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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NCXXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the XXXX Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  IXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX SERVI Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX CO Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax in regard to account # XXXX. Equifax responded to my dispute by saying that the account in question was verified. As a consumer, I have the right to request how that item was verified by requesting the credit bureaus XXXX XXXX XXXX. On XX/XX/XXXX I sent out a letter to Equifax requesting the method of verification. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you a method of verification within 15 days of your request. Equifax failed to provide any documentation proving they did their due diligence. I received a letter on XX/XX/2023 only saying the debt was verified again. No information on the method of verification, and past the XXXX timeframe. It is my understanding that under FCRA Section 611 ( a ) ( 5 ) ( A ) if a consumer reporting agency is unable to verify the accuracy of a disputed item within the given timeframe, the agency is required to promptly delete the item from my credit report. I request this account to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my eleventh attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}
Product: Vehicle loan or lease

Due date every month is XXXX. Company has one time of the loan you can change the date. I changed the date on the XXXX in the morning to the XXXX and they sent the charge anyway. I did this on the website. 
1. The biggest problem with this is there was no confirmation email sent saying there was a change. Any change on an account should always have confirmation sent either by email or by mail if any change is made.

At the same time on the website, I took off my auto payment information. The payment information was still charged.

2. The biggest problem with this is there was no confirmation email sent saying any change was made on the account either by email or by mail. I have the account setup by email so I should have received something. 
I called on XX/XX/19 and spoke to a representative named XXXX who said it was still setup on autopayment and that taking it off of auto payment on the website does not cancel autopayment. She also stated that changing the due date does not cancel the payment and that a phone call is required to make both changes. In other words the website makes no changes.

The Consumer is not protected at all. The company is overprotected. There is no governing laws being applied to this company to protect the consumer in any way. 

When I called on the XXXX, I asked the rep if I could move the payment to a little further out since it had only been 3 days. She said no. I asked for email confirmations to be sent to me in regards to the changes I made on the XX/XX/19 date and the rep said no.

The rep stated that it is clear when you make the changes that it is a one time opportunity to make a change on the date. I asked the rep if there is anything she could do to assist me. She asked what I would like her to do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft please see attached report for in-depth detail.
Product: Credit card or prepaid card

I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX  credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. XXXX XXXX and Northstrom accounts were open.
Product: Debt collection

Subject : Formal Dispute of Inaccurate Information LVNV Funding LLC Account XXXX XXXXXXXX Dear XXXX Dispute Department and CFPB, I am writing to formally dispute inaccurate information being reported on my credit report by LVNV Funding LLC. The account in question is Account XXXX XXXXXXXX, with an alleged balance of {$1700.00}. This account is being reported on my credit file with XXXX without any valid written, signed consent from me, as required by law. It is important to note that this account does not appear on my credit reports with XXXX or XXXX, further underscoring the inconsistency and inaccuracy of this information. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incomplete or inaccurate information on my credit report. This letter serves as my formal dispute and request for the immediate removal of the inaccurate information in question. I am invoking the following provisions of the FCRA : XXXX Section 611 ( 15 U.S.C. 1681i ) This section mandates that credit reporting agencies must conduct a reasonable investigation upon receipt of a dispute regarding the accuracy of any item on a consumer 's credit report. Given the absence of proper documentation, this account must be deleted from my file. 
XXXX. Section 609 ( 15 U.S.C. 1681g ) This section obligates credit reporting agencies to provide consumers with a complete and accurate disclosure of the information in their files, including the sources of the information. As part of my dispute, I request that XXXX provide all documentation that supports the reporting of this account, including any written agreements or signed consents. 
XXXX. Section 623 ( 15 U.S.C. 1681s-2 ) Under this provision, information furnishers, such as LVNV Funding LLC , are required to report accurate information and correct any information that is found to be inaccurate. Failure to verify the legitimacy of this debt violates this section of the FCRA. 
LVNV Funding LLC has provided no written, signed documentation proving that I authorized this debt or that I have any legal obligation to pay it. Without such verification, the reporting of this account is inaccurate and constitutes a violation of my rights under the FCRA. I request the immediate removal of this account from my credit report. If XXXX does not remove this disputed account, I may pursue legal action to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I recently noticed this fraudulent account was reporting on my credit report and I would like to have it removed. It is reporting as a charge-off and its not mine. 

I have reviewed my credit report and found several charge-offs that are associated with accounts I did not open and have no knowledge of. These charge-offs appear to be either a result of fraudulent activity or are simply errors in reporting, as I have no prior association with these accounts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am entitled to have accurate and verifiable information reported on my credit file. The continued inclusion of these erroneous charge-offs is in direct violation of my rights under the law.

Relevant Legal Protections : FCRA - 15 U.S.C. 1681 : This law mandates that all information reported on a consumers credit report must be accurate. The credit bureaus and creditors are required to conduct a thorough investigation into disputes and remove any unverifiable or inaccurate information. 
FCRA - 15 U.S.C. 1681i : I am requesting that an investigation be initiated into these inaccurate charge-offs and that the information be corrected or removed within the 30-day period as required by law.

FDCPA - 15 U.S.C. 1692 et seq. : The law prohibits debt collectors from reporting false or misleading information to credit bureaus. If these charge-offs are a result of fraudulent activity or have been falsely attributed to me, the creditor is violating the FDCPA, and I am entitled to seek damages.
Product: Credit card or prepaid card

In XXXX of 2020, Kohl 's claimed I had a late payment of {$30.00} for credit card account. I disputed that the payment was made late. I also told them over the phone that I was out of work due to CoviXXXX and couldn't afford any more fees. 
Kohl 's made no response other than to start to add interest and penalties to my account. I phoned several times repeating this. They continued to ignore my calls and began mailing me bills which have now added up to over {$300.00}. as well as report me to credit agencies. 

Since then, I have sent them multiple emails explaining my dispute of the original charge and insisting I be able to email someone about this account so that I can document what I have told them about being out of work. I believe them charging me fees violates the CARES ACT. They initially responded by emailing me back ( confirming the receipt of my emails ) and stating they won't communicate this way with me and that I need to call. After 6 or so emails, they told me they were having an agent look into communicating with me in writing. however, Kohls has not contacted me in a manner I can document XXXX email ) and continues to add fees and interest to my account and to report me to credit agencies.
Product: Credit reporting or other personal consumer reports

This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
The accounts in question are listed below : Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Under the Credit Reporting Act, 15 U.S.C 1681g I have a right to demand that you disclose me all of the documents that you have recorded in your file at this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate items on my credit report and distributing them to 3rd parties you are damaging my my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK XXXX XXXX REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND US BANK XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported discrepancies to several accounts on my credit reports with each reporting agency XXXX, XXXX and Equifax and they continue to report inaccurate information. This inaccuracies are hurting my credit score.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX - XXXX/XXXX/2024 XXXX XXXX  XXXX - XXXX/XXXX/2024 XXXX XXXX  - XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX  - XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX - XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. This has been a rough time during the covid 19 pandemic outbreak
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX  XXXX A XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, a debt collection agency based in XXXX, MO, filed a collections account on my credit reports with Equifax and XXXX for a medical debt that I have no knowledge of, from a doctor 's office that I have not been to in many years. No party involved has ever sent me a bill or attempted to collect any debt from me, which means my best " evidence '' for my claim is the lack of having ever received any sort of bill/invoice. I have disputed this account at both credit reporting agencies. XXXX deleted it from my account in less than a month from my dispute. Equifax attests that XXXX XXXX has " verified '' that this account belongs to me and has since refused to delete the invalid account from my report. I am now on my third dispute with Equifax, again for an account that I have no knowledge of and no company has attempted to collect from me, including the mentioned collection agency. 

Equifax sends me emails about " working hard to fix my problem '' but in reality they are just sending a message to the creditor and letting them decide whether it is valid or not. Then, in order to append information to my appeal, they want me to fax in a copy of my social security card and the supporting documents. Not only is this both a slow and unreliable way to attach documentation to an online claim, and not only is this an incredibly insecure practice, it is also a flagrant attempt to obfuscate the appeals process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow I was signed up for a Transunion {$24.00} service, billed to my credit card. I do not remember signing up for this. 

I attempted to cancel this subscription and after repeated calls to customer service, I was unable to -- I kept being transferred to different departments ; some departments said I do not even have an account, so they could not cancel an account that does not exist, and others said I signed up for something and should take responsibility and pay for it. After wasting a lot of time, I decided to give up and dispute the charge with my credit card issuer. 

Fortunately, this charge was reversed. For good measure, I reported that credit card lost/stolen to get a new card so Transunion would be left in the dark and would get lost. 

However, even after doing this, a month later, I saw the same charge appear ( same credit card account, different number, different 3 number security code, different expiration date ) as a transaction. I have no idea how Transunion got my new credit card number, and I have no idea how to contact them to cancel my subscription, given my past experience ( nor do I want to spend the time doing this again ). I did try to see what " service '' I was billed for -- When I go onto Transunion 's website to try and access this {$24.00} service, I am unable to log into an account, even when " recovering '' the account with my social security number, birthdate, and last name. 

To recap : I received a {$24.00} charge a month ago for a service I am almost certain I did not sign up for. I have spent an inordinate amount of time trying to " cancel '' this service, to no avail. My credit card company was luckily able to handle this through the dispute process. However, even after going through the steps of getting a new credit card ( and changing the billing information for everything that was paid through this card, an arduous process ), they were still able to bill me for this phantom " service '' a month later. 

These charges are at best an honest mistake, at worst criminal. Transunion wasting my time is purely criminal.