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

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. Please see attached documents for remedy solution.
Product: Credit reporting

My present employer is XXXX XXXX effective XX/XX/2014. Also NEVER had a credit card issued with " XXXX '' as middle initial
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and the companies responded. They deleted and blocked some of the fraudulent items but there are still fraudulent items remaining on my credit report. I submitted a complaint again last XX/XX/XXXX and XXXX XXXX and again it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit card

Purchased the product from XXXX on XX/XX/23. Sales rep filled out all paperwork in front of us so we could do payments on the product. Sales rep informed that payments would not be requested from their second party payment service until 30 days after delivery. XXXX occurred on XX/XX/23. By XXXX nothing had been sent to our address concerning a statement or credit card. XXXX was called to attempt to get information but we were told they had no access to this information, only the company. Attempted to contact the company, TDfinancing, multiple times throughout the span of a week and was only able to speak to an actual representative once who referred us to the same automated questionnaire that required an account number to access our account to make payments. We do not have an account number and have tried to obtain this information multiple times with no response unless we are able to provide the account number we were never given. We received only XXXX email from the company in a promotional form but nothing has been sent through the mail or through email with information to get us signed up and started to make payments. An email was sent to the company on XX/XX/23 after we became hopeless that calling the company would yield any help ; no answer has been received in response to the email. The company site advised they will respond within 30 days, however, it seems very unlikely with our experience and as that timeframe begins to come to a close that any response or help will be given.
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. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXXDEPT OF ED # XXXX, Account name : XXXX/DEPT OF ED # 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 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 or 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

This is my 9th 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, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was XXXX XXXX XXXX while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see XXXX XXXX face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXXXXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

This will follow my previous complaint filed on XX/XX/2024 where in I advised the CFPB that even with repeated written requests and letters XXXX or more of the credit bureaus have failed to provide a copy of my annual report and credit score. I do not have a SSN but I do have a Tax ID #, and it is impossible for me to access my reports online or file any disputes online. I can only request reports to be delivered to me by mail which is a very frustrating and time consuming process. My XXXX is not good so calling in is also not a very good option for me. Unfortunately even after filing a complaint and sending in multiple letters to the credit bureaus, I still have not received an updated copy of my full report or scores from any of the XXXX credit bureaus. I also attached a copy of my original complaint because there are several accounts that I do not recognize and I am not sure if the credit bureaus have done anything about this. Also, Equifax keeps sending me notices saying that the can not locate my file, however, I have attached a copy of my Equifax score from XXXXXXXX XXXX so I am not sure how Equifax can say I have no file but XXXX is providing me with a XXXX score from my Equifax report.
Product: Money transfer, virtual currency, or money service

I tried to buy 2 VIP tickets to XXXX XXXX from a person who called themselves XXXX. It is unclear now whether or not that was his real name. I contacted him by phone at the number XXXX ( XXXX XXXX XXXX. We spoke on the phone and agreed that I would pay {$170.00} as a deposit before I collected the tickets, and {$170.00} after I collected the tickets. When I went to pay him the 2nd amount, he told me that because the amount was the same and done 2 times in a row, his bank, XXXX XXXX XXXXXXXX, had flagged the transaction as fraud and that I would be refunded within 1-2 business days. These transactions occurred near XXXX on Thursday XX/XX/XXXX. I called my bank, Chase, to confirm that he was correct and they told me that the 2nd payment was " pending '' but that it had gone through on their end. I assumed this meant that XXXX XXXX XXXX had indeed marked the charge as fraudulent. I sent him a new amount of {$170.00}, which fulfilled our agreed upon amount of {$350.00}. In reality, all {$520.00} was subtracted from my Chase account and processed/delivered to his XXXX XXXX XXXX account. I used a service called " XXXX XXXX '' to conduct the electronic transfers between bank accounts and he provided me with an e-mail address that he uses on his end for the service. That e-mail is XXXX. Both Chase and XXXX have told me that their fraud departments can not do anything to reverse the transactions, and of course, this " XXXX '' is nowhere to be found for comment as he did not deliver the tickets as promised, and ALL 3 transactions went through. In the end no tickets, loss of {$520.00}, and 3 entities ( XXXX XXXX XXXXXXXX, chase, & XXXX ) all telling me they can not help me.
Product: Consumer Loan

I buy a car in the delers of XXXX XXXX XXXX XXXX I was offered hill of interest in buying a XXXX XXXX at the time of signing not set me by the interest the day after I realized they gave me an interest 8.25 I was talking to the manager I was treated very badly and my family, and they did not explain to me that this kind of space used car tires and does not use additional tires
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 XXXX XXXX XXXX. 


UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan from this site, and on XX/XX/31 I paid off the remaining amount, which per their site was, XXXX. 

Three days later, it was still showing as pending, and I had to call customer service twice to try to push the payment through. They took a verbal confirmation and said it would go through today, XXXX. 

It didnt go through. When I called they attempted to charge me XXXX. I told them that I would not pay additional interest due to their system errors and after a lengthy back and forth with a supervisor, they agreed to charge the original amount. I am concerned the payment still will fail to go through and they will report my payment as late. If theyre making it this hard to pay off the loan, I can only imagine what theyre doing to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are well aware ~143,000,000 people 's personal identification was leaked via improper security at Equifax . I am " likely '' one of these people, as stated by their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS XXXX  ACCOUNT XXXX IS REPORTING ON MY CREDIT FILE STILL AND IT IS INCORRECT. IT HAS BEEN DELETED FROM ORIGINAL CREDITOR ON XX/XX/2021 AND I NEED THIS INFORMATION UPDATED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Eastern account system has an account on my credit report that does not belong to me. Enclosed is the copy of the complaint and account information that I sent to Eastern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

I have provided proof of eight specific inaccuracies in my report. While I anticipate that some may be corrected, I believe Experian will unjustly refuse to remove others. This selective removal is unfair and detrimental to me as a consumer.

Due to these inaccuracies, I have suffered financial damage. I was denied credit and had to request XXXX XXXX to reissue new cards because they were sent to an incorrect address reported by Experian. This erroneous information is not reported by any other credit reporting agency. 

The delay in receiving my business credit cards from XXXX XXXX by XX/XX/year>, caused significant financial hardship for both my business and my employees. I am seeking compensation of {$5000.00} for each of the eight inaccuracies listed in this complaint, totaling {$40000.00}. 

I respectfully request the CFPB to investigate this matter and hold Experian accountable for their negligence and the financial harm caused to me.
Product: Debt collection

Hello, On XX/XX/2020, a dispute was settled for a past cable bill I shared with a ex about 15 years ago. The debt collector at this time was called "XX/XX/XXXX. '' It is for " XX/XX/XXXX XX/XX/XXXX'' This was deleted from my credit report on the date listed above. 
Here are the results of my dispute : ITEM IN DISPUTE XX/XX/XXXX XX/XX/XXXXXXXX DISPUTE REASON : Accuracy This account is too old to be on my credit report. 
This account is closed. 
RESULT : Disputed item deleted XX/XX/XXXX investigated your dispute and deleted this item from your credit report. 

Now, it has appeared back on my credit report under " I C SYSTEM '' It is for " XX/XX/XXXX XXXX. '' I am not responsible for this account and it should be deleted from my account. They should NOT be allowed to change debt collecters and start the process all over again. Please look into this and delete from my credit report ASAP. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 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

I have sent Experian several identity theft reports with proper identification and Federal Trade Commission identity theft reports about XXXX XXXX XXXX account. This is NOT mines and asked them several times to remove accounts from XX/XX/XXXX to present through various official agencies including the federal trade commission, police reports, etc. Experian failed to remove XXXX XXXX XXXX account and is considered to be in violation of the fair reporting act. I would like this to be investigated and XXXX XXXX XXXX account to be removed from my Experian credit report immediately.
Product: Debt collection

Please be advised that i am disputing this collection due to the fact that credit collection services XXXX XXXX XXXX XXXX, MA XXXX Does not have a current license is missouri to collect on debts. This information is stating that their license is forfeited according to the secretary of state missouri. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that Credit Collection services are licensed to collect in missouri. Your response is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

Credit karma is providing false advertisement. I was told I was preapproved for a loan and a couple of credit cards, but I went through the process and never got approved and I still got credit inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Experian. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Experian credit report. Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent account continues to be reported by Experian despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my Experian credit report. The company has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXXcount Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, last verified, closed date, and last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, date of last activity, balance Owed, and creditor type. 

Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in XXXX XXXX Code XXXX. Additionally, I referenced XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX XXXX XXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card or prepaid card

This XXXX, I decided to close my XXXX Comenity credit card. I had a balance of {$64.00} and paid it in full on XX/XX/XXXX. I then contacted their customer service and requested that my account be closed as soon as the payment posted. I received confirmation from them that they would be closing the account. 

I checked my account the following day and saw that the payment was posted and my balance was {$0.00}. I also received a letter from Comenity dated XX/XX/XXXX confirming that my current balance was {$0.00} and the account was closed. 

A few weeks later, I received a bill from Comenity for a {$40.00} late fee and {$2.00} interest charge. They are claiming that the fee was charged on XX/XX/XXXX which contradicts their confirmation on XX/XX/XXXX that my account balance was {$0.00}. So essentially they charged me this fee after I had made my payment in full and after they confirmed that the account was closed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX