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

Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/year>XXXX  ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information includes the following accounts, collections, and inquiries appearing on my consumer credit report, which I do not recognize or have knowledge of : XXXX XXXX XXXXXXXX Account Number : XXXX Total Fraudulent Amount : {$24000.00} XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$7300.00} XXXX XXXX ( Two Accounts ) : Account Number 1 : XXXX Total Fraudulent Amount : {$53000.00} Account Number 2 : XXXX Total Fraudulent Amount : {$11000.00} XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$7500.00} XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$6700.00} XXXX Account Number : XXXX Total Fraudulent Amount : {$5000.00} XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$5800.00} Additionally, this fraudulent information has resulted in several hard inquiries and collections appearing on my consumer credit report maintained by you, including but not limited to inquiries related to the fraudulent accounts above. 

I have attached a list of the hard inquiries in question, as well as a copy of the consumer credit report maintained by you showing the fraudulent items. 

Furthermore, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX i DONT OWN ANY OTHER STATE IDS OR ADDRESS ANY OTHER STATE ADDRESS OR ANY INFOMATION OTHER THAN WHAT IAM SUBMITTING my lawyer disputed and wrote a letter to all collections on my credit report all incorrect information is incorrect all account that do not match my Id information with same state and address is considered fraud and must be removed I am making a final goodwill attempt to have you clear up this matter. The account they sent back verified are entirely inaccurate, incomplete and represents a very serious error in they reporting. 


I have attached me id & theft police report & letter that my lawyer have wrote this companies with no responds my wallet was stolen So everything that is on my report must match my id The thieves are still using it till this day I will not freeze my accounts because this allows me catch anying who is using with alerts set up in realtime these are the accounts I have verified and some of these are not reporting on all credit reporting at all!!!!! With is another volnation of law. they are as follows loans XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX bank {$1400.00} XXXX XXXX XXXX XXXX bank {$370.00} XXXXXXXX bank {$1000.00} error is currently reporting {$0.00} this wrong XXXX XXXX bank use {$2000.00} error every payment was on time currently reporting two late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human being and I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 they have violated my rights numerous times I demand the accounts below be removed because ( 1 ) I have the right to privacy and did not give Equifax written permission to furnish these accounts. ( 2 ) In light of recent investigations brought upon Equifax I find my consumer file is being irresponsibility tampered with. Over the past few months I have made SEVERAL attempts to remind Equifax of their duty pursuant to 15 USC 1681. I appears they ( Equifax ) is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1861E [ B ] assumes I am due promised accuracy in my report based on federal law. I have communicated with them several times in an attempt to correct my consumer report. USC 1861 I [ A.5 ] states reinvestigations of all of the unverified information must be promptly removed. I requested full validation of any previous investigated accounts from the creditor reporting and Equifax and as of this complaint have not received validation from either ; therefore, thus have not been validated. The company 's are as follows : XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting information without permissible purpose. Furthermore this account is only reporting on my Transunion Consumer Report. Pursuant to 15 USC 1681e ( b ) states all consumer reporting agencies must maintain maxium possible accuracy. 15 USC 1681b ( 6 ) states all Credit Reporting Agencies must work together.
Product: Credit reporting or other personal consumer reports

I've requested why the disputes I had made were never addressed after a violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. I've requested a FDCPA verification request for a formal dispute of inaccurate credit information and requested formal demands for proof of valid contracts to XXXX XXXX accounts and XXXX XXXX XXXX XXXX XXXX account on XX/XX/year> and never received a response as of XX/XX/year>. 

I've requested to have all 3 of these removed by Transunion and have the XXXX XXXX XXXX XXXX account removed by XXXX as they only removed two of the XXXX accounts. They are failing to do this and are in complete violation of the FDCPA act.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was placed on my birthday XX/XX/2020 last year. At speedy cash. Never took out this loan never was even working to take out a loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute with Experian ( certified mail # XXXX XXXX XXXX XXXX XXXX XXXX ) regarding an inaccurate and unverifiable XXXX XXXX account on my credit report. Supporting documentation was provided of all the inaccuracies among all credit reports. On XX/XX/year> Experian concluded that the information that they are posting in my credit report the information being furnished by XXXX XXXX meets the requirements of the FCRA. The following note was added on my credit report : " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) ''. My dispute outlined over XXXX inaccuracies with this XXXX Account among all three credit reports. Experian did not perform a reasonable investigation into my dispute. See the attached supporting documentation with all the inaccuracies and their unfair deceptive tactics of re-aging this account.
Product: Money transfer, virtual currency, or money service

I already submitted all the required documents or documents I had with scammer to executive office.I had sent all the screenshots of scammers.As I mentioned My current situation is very critical mentally and financially!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a late pay on my Bank of America credit that over 7 years old and will not remove it from my history. This occurred in XXXX of 2014.
Product: Debt collection

After reviewing by a copy of my credit report and I realize that as a consumer Professional Credit XXXX is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They are saying that I owe this alleged debt which this debt is not mines. This is abusive practices 15 USC 1692a.You can have access to this alleged debt but you should not have my Personal Information. You have violate other rights which each violation is {$1000.00} per occurrence. have attached my ID to help identify me.
Product: Credit card or prepaid card

Someone is trying to open a credit card under my name and was denying.
Product: Credit card or prepaid card

I am a victim of identity theft. I discover a multiple credit cards accounts under my name. I called the banks to stop the fraudulent then the accounts have been closed. 
I have an FTC and police reports, I have called Bank of America, and XXXX XXXX XXXXequesting them to send me a written letter showing I am not responsible for the charges on the account since XX/XX/2021 and they promise to do so and never did. Then sent them aletter by mail on XX/XX/2021 with a copy of the FTC report and proof of my identification. I did not hear from XXXX. Bank of America sent me a letter saying that I did not report the fraud on one account however I did report it to them as will as to the experience and XXXX. 
The accounts number as follows Bank of America XXXX and XXXX XXXX XXXX XXXX My e mail address XXXX My mailing address XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

I tried logging into my bank today, and got a notification my account was locked. I just opened the account, and deposited a fairly large inheritance check I received. I contacted the bank who informed me that they could not provide me with any information over the phone, and I would receive a letter. This happened XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this XXXX XXXX and I requested the method of verification to which I am entitled but unfortunately, you guys didn't do any of what I've been requested you to do. You guys need to get your errors rectified or I will be forced to take this to the next step should you continue holding me up. The letter was sent on XX/XX/2022 and it's been over a month now.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep getting my sons information mistaken with mine. My name is XXXX his is XXXX nothing similer except for the XXXX .All his collection show up on my credit report can not seem to make the credit report companies to understand this. All of the addresses that he has used show on my report .All of the credit he dose not pay show on my report .Maybe he has used my S.S. # i do not know .Have been trying for years to get this corrected but to no avail .We have different S.S. # what could be so hard for this to be corrected?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached to XXXX NUMEROUS times, Ive disputed theses items on my credit report numerous times and they still have failed to provide proof that these items are mine. XXXX  was unable to verify these items so they have been deleted from my credit file. Im very curious to know how XXXX  was able to verify these items but XXXX  wasnt, Im demanding they provide proof, I would LOVE to see it.
Product: Debt collection

Portfolio recovery reported a XXXX XXXX account to my credit. I disputed they kept reporting. Informed portfolio did not live at the address year debt was opened. They will not validate debt by mail and stated they do not have a signature of who opened the debt. Then accused my parents of opening this debt and committing a crime. They did not live at that address at that time either. Ive disputed this on my credit report too. I informed portfolio I know my rights under fair credit reporting act and again asked them to validate the debt in writing and send a copy of the signature for whomever opened the account. They wont do this and have no signature on file. They continued to say then my parents committed this crime. Again told them they didnt live at the address in that time either. Again they refused to work with me and validate the debt. They said they will just keep reporting it to my credit report as they can do that as much as they want.
Product: Credit reporting or other personal consumer reports

The following address are not associated with me, and are incorrect. Please update your record immediately. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX5 U.S.C 1681 section 602 A. States I have rights 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, credit repair services, or other personal consumer reports

I am making a complaint against this collector for reporting an inaccurate information on my credit report and this collector failed to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I'm a natural woman submitting this complaint on her own behalf without the assistance of any third party. The companies identified in this FTC report # XXXX improperly obtained my personal identifying information through aggravated identity theft and are using it to improperly report negative information on my consumer report without my written consent or authority. XXXX XXXX, XXXX, XXXX, and Experian are reporting inaccurate, false, and fraudulent accounts, hard inquiries, collection information, incorrect names, addresses, phone numbers, and employment information that don't belong to me and were made without my permission, written consent, or legal authority, as well as information that wasn't collected from me. 
See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAGE STREAM I applied for a credit card for XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. 
I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and XXXX XXXX cards merged. I did not receive credit for clothes I returned, so I canceled my acct since they were having so many problems while they were merging cards. 

I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and XXXX XXXX  and asked why, and they said they could not tell me. They told me to call Sage Stream. Sage Stream said they could not tell me either, but would send me a letter. 

The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX  and XXXX. Everything was correct and my FICO is still very good. 

Sage Stream said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file. 

Sage Stream refuses to help correct this information, so I am placing a security freeze on my account. 

Who is Sage Stream and why are they creating so many problems for people? 

Please take action and help consumers. 

Thank you! 
XXXX XXXX.
Product: Student loan

On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if XXXX continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ XXXX $ XXXX. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I am not sure what else to do.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request for removal of adverse information from my report, resulting from trafficking, under the The Debt Bondage Repair Act ( DBRA ) to Transunion and received a confirmation email that the request was received and under review. 

It has now been 11 days and no information requested has been removed, nor have I received any communication requesting supporting documentation or communication that more investigation is needed. Today I again emailed requesting an update. It has been past the 4 day rule as required by law for Transunion to block all information outlined in my trafficking victim letter, which was accompanied by proof of identity ( driver 's license ), a self attestation signed by an XXXX official, as well a letter from an XXXX victim 's advocacy organization as outlined in the DBRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Creditor, I am writing to dispute the negative items on my credit report associated with your company. I have reviewed my credit report and noticed several inaccurate and unfair items, including late payment accounts and charge off accounts. 
Firstly, regarding the late payment accounts for XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), and XXXXXXXX XXXX ( account number : XXXX ), I would like to point out that these accounts were a result of temporary financial difficulties. While I admit that I fell behind on payments, I have since caught up and am now current on all accounts. I kindly request that you remove these late payment accounts from my credit report, as I believe they are unfairly affecting my credit score. 
Secondly, I noticed that XXXX XXXX XXXX ( account number : XXXX ) has charged off my account. I am devastated by this news, as I have always strived to maintain a good credit history. However, I was not made aware of this charge off until I reviewed my credit report. I kindly request that you provide me with more information about this charge off, as I believe it may be inaccurate or unfair. If the charge off is indeed valid, I would appreciate the opportunity to work out a payment plan to satisfy this debt and prevent further damage to my credit report. 
Finally, I am disputing the charge off accounts associated with XXXX XXXX ( account number : XXXX ) and XXXX ( account number : XXXX ). I have no recollection of opening these accounts, and I have not received any communication from your company regarding them. I kindly request that you provide me with more information about these accounts and take appropriate steps to remove them from my credit report if they are found to be inaccurate or fraudulent. 
As a law-abiding citizen, I understand the importance of maintaining good credit. However, the negative items on my credit report are causing me great emotional distress and anxiety. I kindly request that you investigate these matters thoroughly and respond promptly, as I am eager to resolve these issues and restore my good credit history. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX/XXXX/XXXX from XXXX XXXX. The creditors is reporting on my credit report as derogatory when it is not my debt and my daughter has XXXX. This is also a VIOLATION OF HIPPA LAW. My daughter indignation should not be disclosed to a XXXX party and this company is trying to collect when it had been paid my XXXX.