23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed a 17 point drop of my Fico score with Equifax on XX/XX/21 not given an clear explanation to what cause the drop. I'm not happy with this drop and will like for this to be further investigated!

Please resolve.

Thank you.
Product: Credit reporting or other personal consumer reports

I did not received the XXXX XXXX XXXX. When I realized, I went to the store and paid the complete balance. I complained with the cashier about not having received the statement, and she gave me a customer service number. I called there and explained the situation. They confirmed that there was an error in the address, and fix it. Since there was an error in the address, I never received the statement. Moreover, the company never called me to notify the payment delay. Therefore, this late payment should be removed from my credit history.
Product: Debt collection

The main issue with what's going on with all these communications is I am being confused with that of my Dad due to us having the same name. First of all, it has been years since I had any credit cards. I had cancelled them all in the past when i was younger. I am getting notifications in the mail ever since i left My Dad 's house and his mail has been coming to my address for things that are not mine. His bank statements, his medical bills, and other forms of mail are coming to my house. 
I am getting mail from Portfolio Recovery Associates LLC for a debt that I'm pretty sure is nothing to due with me. I never had a XXXX credit card. I know that for a fact. This is becoming a nuisance now and needs to stop. I recently received a letter from them about a execution order toward a job i don't have anymore which is even funnier. They have the wrong person to begin with!!! Me and my dad have the exact same name and there has been alot of confusion with the identity between us both. It has become to a point where its seriously starting to effect my stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having repeated problems with XXXX primarily. They have changed the account infomariont of my XXXX XXXX XXXX tradeline now, FOR THE 3RD TIME! I've had enough of them. XXXX and now, EQUIFAX, had re-imputed the balance owed as {$490.00}. I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the 2nd time that XXXX has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with EQUIFAX as well. I OWE NO BALANCE TO US FEDERAL CREDIT UNION AND THEY CAN VERIFY THIS.
Product: Credit reporting or other personal consumer reports

After recent review of my credit report, I found that XX/XX/XXXX had placed a negative account on my Credit file. I now question the Validity of thst negative reporting. 
First and foremost under the F.C.R.A. it is imperative for companies to accurately report to the credit reporting agencies information that is not only accurate but also precise. In this case the credit report states that there is NO BALANCE on this account. But is still reporting as negative for supposed lates during the periord that this account was open and being used by this writer. I emphatically deny that assertion by XX/XX/XXXX. 
I now state for the record that I never paid XX/XX/XXXX late at any time. Therefore if XXXX XX/XX/XXXX is UNABLE to produce PROOF that this cunsummer paid this account late at any time, this negative account must be removed from the creit report.
Product: Credit reporting or other personal consumer reports

Hello Im writing this complaint today In regards to an investigation of an account I disputed with transunoin about account ; XXXX XXXX company account number XXXX XXXX  that was sent out to me XX/XX/year>. This account was investigated and says it was " verified as accurate '' even though there is still some discrepancies especially with the date opened, high balance and credit limit section which report differently across the XXXX major credit bureaus XXXX, XXXX and transunion. I understand that after an investigate into an account the credit bureau is suppose to make sure some where in this account section it says that this account was disputed by consumer which it does not. Under " XXXX XXXX XXXX XXXX ( XXXX ) -Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' I want this account deleted from my report and I will not have to pursue any legal remedies. Please see attachments
Product: Debt collection

On XX/XX/XXXX I sold a XXXX XXXX XXXX to a stranger for XXXX XXXX Upon sale the title was signed over to the new owner, I filled out and submitted a Release of Liability online to the CA DMV. On XX/XX/XXXX, I received a letter from a debt collection group called Finex Group, LLC Collection Services stating that I owed {$2600.00} for this vehicle, which was towed to and held at a tow yard two days after I sold it. I called Finex and explained that the vehicle no longer belonged to me and that a Release of Liability was filled out and submitted with the DMV, however they stated that they did not care and insisted that because at the time of tow the vehicle still showed me as the registered owner, that I am liable for this debt. I have since obtained a certified copy of the Release of Liability from the DMV ( attached ) which I have shown to Finex, but they continue to insist I owe the debt. I have spoken to the DMV Investigations Division Offices in XXXX and XXXX XXXX, of which representatives from both offices have informed me that regardless of whether or not I was the registered owner of the vehicle when it was towed, I am not liable for this debt since I have filled out the release of liability. During my attempts to contact Finex Group and dispute this debt, they have maintained that I owe this alleged debt, and that the amount of the debt is increasing daily due to interest. They have also threatened to damage my credit score. 

I must note that due to issues with a pending transaction with the CA DMV, the Release of Liability I originally submitted was received but not processed. It is however still shown on file as submitted, as seen on the certified copy of the Release of Liability. I have since re-submitted the original document to the DMV, and it has been processed on XX/XX/XXXX and backdated to the date of sale ( XX/XX/XXXX ). Representatives from both the XXXX XXXX and XXXX DMV Investigation offices have assured me that this is still valid proof that I do not owe this debt, as Release of Liability notices can lawfully be backdated with full validity. 

I believe that I am not liable for this alleged debt under California Vehicle Code 5602, and that the amount that they are attempting to collect from me qualifies as extortion under California Civil Code 3068 ( Section c1 ).
Product: Credit reporting or other personal consumer reports

Experian has inaccurate information on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 accounts that are on my credit report that I have been disputing with the bureaus and the furnishers since XXXX these accounts are not mine and they do not belong to me I need to get these accounts off my credit asap. I have filed for FTC I have a notarized identity theft affidavit but nothing is being done about this. 

XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXXXXXX XXXX XXXX - XXXX {$6200.00} Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting

Upon checking my credit report I found an account listed in my name ( XXXX ) which I eventually identified as XXXX XXXX reported through XXXX ( XXXX XXXX. XXXX While this account balance was listed as only {$14.00} it was an account that I had never ha with XXXX XXXX. But the account was listed as derogatory/collection/charge off with XXXX missed payments. Account was listed as closed on XXXX XXXX, 2013 but missed payment monthly was being listed consecutively including the current month. I reacted immediately filed a dispute with TransUnion informing them that the account was not mine as well as sending a certified letter to XXXX. TransUnion say they processed the dispute and they marked the account " disputed by consumer meets FCRA '' and continue to report the account exactly as previously stated with same derogatory language. XXXX identified themselves a the reporting agent for XXXX XXXX. Their response was even more gross asking for my social security number and my XXXX digit credit card number after I told them I never had an account with XXXX XXXX ( around and around goes the merry-go-round ). At this point of frustration I have to rely on this Bureau to get results as my efforts are proving futile. All I want is removal from the credit bureaus this erroneous account and a letter of apology from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct or discard these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD ) XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX REPLY ACCOUNTS ARE UNDER REVIEW.YET CONTINUE TO TRANSMIT LATE PAYMENTS. INFORMATION TO ALL CREDIT AGENCIES EFFECT MY APPROVAL ON ANY LOANS I HAVE APPLIED THIS IS IS IN VIOLATION OF FTC UFC 16. THEREFORE ARE LIABLE FOR DAMAGES I HAVE INCURRED {$10000.00} TO DATE
Product: Credit reporting or other personal consumer reports

The following account is not supposed to be reported to my consumer report. 

Account Number : XXXX Account Name : XXXX XXXX Amount : {$8900.00} Alongside this complaint I have also provided an FTC report. 


I am requesting the immediate removal of this account
Product: Payday loan, title loan, personal loan, or advance loan

To whom all this may concern, I am filing a complaint on AMERICAN FIRST FINANCE, INC for Violation of Unfair & Deceptive Business Practices, Violation of Consumers, and Money Had and Received. On XX/XX/year> I went to XXXX XXXX and purchased a washer and Drier set and paid {$910.00} for the washer and borrowed {$1000.00} for the drier although it only costed {$780.00} with taxes. When I called two weeks later to pay off the account they asked for XXXX and I refused that amount and they said they would fix the problem and never did. There for now I am filing this complaint with supporting documents. I feel that deceived into receiving loans from an unlicensed lender, AFF, in which the essential terms are undisclosed and interest rates exceed maximum statutory limits. XXXX charge ; maximum rates. 
( 1 ) INTEREST RATES.A licensee may lend any sum of money up to {$25000.00}. A licensee may not take a security interest secured by land on any loan less than {$1000.00}. The licensee may charge, contract for, and receive thereon interest charges as provided and authorized by this section. The maximum interest rate shall be 30 percent per annum, computed on the first {$3000.00} of the principal amount ; 24 percent per annum on that part of the principal amount exceeding {$3000.00} and up to {$4000.00} ; and 18 percent per annum on that part of the principal amount exceeding {$4000.00} and up to {$25000.00}. The original principal amount as used in this section is the same as the amount financed as defined by the federal Truth in Lending Act and Regulation Z of the Board of Governors of the Federal Reserve System. In determining compliance with the statutory maximum interest and finance charges set forth herein, the computations used shall be simple interest and not add-on interest or any other computations. If two or more interest rates are applied to the principal amount of a loan, the licensee may charge, contract for, and receive interest at that single annual percentage rate which, if applied according to the actuarial method to each of the scheduled periodic balances of principal, would produce at maturity the same total amount of interest as would result from the application of the two or more rates otherwise permitted, based upon the assumption that all payments are made as agreed. 


Innocent misrepresentation is a false statement of material fact by the defendant, who was unaware at the time of contract signing that the statement was untrue. The remedy in this situation is usually rescission or cancellation of the contract. I was denied that option.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX XXXX {$97.00} XXXX/XXXX   XXXX {$470.00} SOC SEC ADMIN OFFICE O  XXXX {$23000.00}
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquires and I have asked them to be removed and the Bureau did not remove them.I am providing an Identity Theft report attached and I am requesting that the inquiries be removed because they are inaccurate and not mine.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of incorrect reporting, and identity theft that has already been reported. According to 15 U.S.C 1681 Section XXXX A section XXXX states a consumer reporting agency can not furnish an account without my written instructions, and I have not provided any written permission for these transactions to be added onto my consumer report. I am requesting that the information be blocked and deleted. My request to block is not being made in error as stated before. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my report within XXXX days from the date of the receipt of this notice. I look forward to your response. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 about XXXX eastern time i called XXXX  , XXXX  and Experian to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Product: Credit reporting or other personal consumer reports

Why do you keep on closing my complaints?! I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX multiple times to report theft, but each time they have returned verified reports, which is absurd because the reports they sent were for a XXXX XXXX, and my name is not XXXX XXXX. When I confronted them, my account was locked for reports. Consequently, I sent hard copy forms with my Social Security number and license. I have not received any updates or correspondence. I demand that any accounts associated with my Social Security number be deleted immediately, and that everything be removed from my credit report as the names do not match mine. I want everything corrected and fixed, or I will take legal action, as my lawyers are on standby.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus continue to report bankruptcies that don't belong to me ... ... all 3 claim to have verified these bankruptcies with the courts ... but the courts clearly state that they don't provide any information to any 3rd party including Credit Bureaus. So these bankruptcies are being reported incorrectly ... inaccurately and unlawfully ... .per the FCRA.
Product: Credit reporting or other personal consumer reports

Im writing to notify you I was a victim of identity theft and data breach that has impacted my credit and financial information. as such I request that you block and delete all accounts related to the following agencies from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX  XX/XX/year>2024 XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card or prepaid card

So today ( XX/XX/2023 ) I tried to log in to my penfed account to pay my credit card only to be kicked with the message I have been blocked on loging to the account. When I called pendfed I was told they need some documents for me to prove I am who I say I am. This resulted in a 2 hr on the phone with me sending in a copy of my passport, driver license, vehicle registration, vehicle title, social security card, Government work ID badge, nexus card before this could get resolved. 

The thing is per the law Banks and credit unions are required to verify your identity when you apply to open an account. This account was opened over a year ago and I have two credit cards with this company that are down to XXXX owed on them from XXXX. They had all that information on file so instead of harassing customers by trying to make it so they can not make their credit card payments they should look at their own incompetence. 

Identity Authentication - XXXX
Product: Mortgage

We are borrowers who reside at the subject property for the last twenty-seven years. After an unexpected accident which led to wifes XXXX and we applied for a loan modification. We have disclosed all our financials, in spite to that Lender keep getting the same unaffordable for us monthly mortgage payment. Instead of adding all missed payments to the current mortgage principal amount, like every modification done, Lender is keep asking for a gradually increasing down payment knowing in advance that we can't pay that. This is only made us feel more miserable and hopeless than before. It doesnt sound at all like we even been offered a loan modification. We hope we have a wrong impression, but it feels like our Lender SN Servicing fully understand and knows that giving us such high monthly payment will lead us to imminent default wright away. Feels like Lender simply enjoys and doing everything that put us in the default without any chance to recover. It hurts to see how people smiling behind your back enjoying your suffering. Our constant stress level impacted our health.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Crediting Act this Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX has violated my RIGHTS. Under 15 U.S Code 1681 Section 602 states " I have the right to privacy '' also under 15 U.S. Code 1681 section 604a Section 2 states " a consumer reporting agency can not furnish an account without my written instructions. ''