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

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$900.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$0.00}
Product: Debt collection

Debt validation was requested in regard to account. Company responded by sending false documentation that is construed to have come from original creditor but did not. Company did not validate debt and is still reporting false information on credit report.
Product: Debt collection

I sent a cease and desist letter to Columbia Debt Recovery DBA Genesis indicating that the debt was fraudulent and had not lived at the property for over three years. They continued to contact me after the face via email. They have threatened to use any information against me.
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTIONS Is reporting on my credit report. I no clue who this company is. I didnt authorize them to have any of my info. I have no agreement with this company. They are fraudulent in reporting to my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 3 Account Number : XXXX Account Name : DEPT OF EDXXXX Type of disputed information XXXX XXXX XXXX  Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : DEPT OF ED/XXXX Type of disputed information : student loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 5 Account Number : XXXX Account Name : XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

HARD INQUIRIES : Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Thank you for your assistance Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

well I have be fraud my family members even siblings also I do understand why come I had to get my identity stolen. 
my name is XXXX XXXX. and I just want to protect my information. and my I was thinking to get a P.O box because I wanted to not use the address that's XXXX XXXX XXXX XXXX to send any mail there. people there take others mail. so that my mail. will be safe. but as of right not I'm XXXX. college student at this time.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed an account that says in collection from XXXX its hurting my ability to obtain credit. Account number XXXX
Product: Credit card

I have contacted care credit on multiple occasions about fixing this issue with no resolve.

I disputed a charge on my account for fraud which took multiple months and phone calls to resolve.

They still did not do it in a timely manner and When they did I was still being charged random ( nonexistent fees ). In the process of all this I have multiple incorrect late payments reported to my credit hurting my score.

I have called them 3 times and which every time they say to give them 48hrs for the problem to update and nothing has happened. I am very frustrated with this incorrect reporting and will be moving to certified mail next.
Product: Payday loan

It was {$350.00} when I borrowed {$300.00} for a payday loan and I also have a XXXX title loan from the same place for XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Credit Report with Experian, and saw that the inaccurate accounts, inquiries, and personal information was still on my credit profile. This is causing me harm. According to the FAIR CREDIT REPORTING ACT ( FCRA ) The credit agencies and furnishers are suppose to make sure that the information is to be reported in completeness and accurately. Experian has failed to do so. They told me that all accounts were verified without looking at the accounts because if they did they would see that these accounts are not even reporting correctly. I also have some unauthorized inquiries as well. I am requesting the method of verification due to the lack of investigation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and correct for erroneous reporting in my file and are listed on my credit report : 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 am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of certain information from my file. The specific items that I require to be deleted are listed in the report enclosed with this letter. I have been the victim of identity theft, and I did not authorize the charges in question. To correct my credit report, I am requesting that these items be deleted. I have already reported the identity theft to the Federal Trade Commission, and I have enclosed copies of their identity theft affidavit for your reference. I kindly request that you take prompt action to delete the aforementioned items from my file as soon as possible. Thank you for your understanding and cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX   XXXX {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX   and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

On XX/XX/XXXX, I noticed a collections on my credit report from this company and sent a letter requesting verification of the debt, as I did not recognize it. I have not received a response as of the submitting of this complaint. 

On XX/XX/XXXX, at XXXX XXXX, I received a telephone call from an unknown number. The caller stated that they were outside my residence to have me sign " court papers. '' I asked them if they were a licensed process server -- they did not answer ( they said " I have a certificate from the state, and I'm trying to just get you to talk to this company '' -- they did not confirm that they were or were not a process server ). This caller advised me to contact I.C. Systems at ( XXXX ) XXXX and to reference file number XXXX. 

I called the number, and referenced the file, and they pulled up the debt I had disputed with the credit bureaus and via certified mail.They still have not responded to my debt verification request ( as it has not been 45 days yet from the date of my dispute ), but, per the FCRA, are required to cease all collection attempts. 

In addition to telling me I had been sued and " had to sign court papers '' for a lawsuit I was not noticed for ( and a lawsuit which does not exist in my county of residence ), they engaged in debt collection practices today, which are prohibited per the FCRA while a debt is in dispute.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the remove of the erroneous information which is being posted to my report. 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send out a dispute letter to all there credit bureau XX/XX/XXXX Equifax, and XX/XX/XXXXto verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed the correct paperwork per the FCRA and submitted the paperwork with my disputes to the credit agencies. Nothing has been done and I have not received copies of the verification process.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00}
Product: Credit card or prepaid card

Due to an issue with my bank and an ACH deposit not posting in time, a payment in the amount of {$50.00} was returned on XX/XX/XXXX, a late fee or insufficient funds fee charged same day in the amount of {$15.00}. A replacement payment made on XX/XX/XXXX in the amount of {$50.00} has cleared.
Product: Mortgage

The Better Morgage company is refusing to transfer our home appraisal to our new preferred lender that is requesting the appraisal. We have requested in writing via email. Initially told that they could update with the new lender name and address and now are refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai motor finance was sending me collection bills stating I never turned in a leased car. When in fact the car had been turned in two months prior. They then started sending me bill with fees for things I should have never incurred. I made multiple calls to the lease end department. Which was where Customer service siad I need to call. They are only open Monday through Friday 9-5 and have wait times of more than an hour. How am I supposed to get In contact with them to fix he issue if you cant get a person on the phone. Finally they send me a bill for the correct amount but hit me with a 30 and 60 day late payment. I wasnt paying a bill thats the incorrect amount!
Product: Mortgage

I originally got a home equity line of credit ( heloc ) 9 years ago with XXXX. This loan has since been sold once and then ultimately sold again to a company, Real Time Resolutions ) based in XXXX, Tx. They originally told me when I told them this was a heloc that it was n't but after 'investigating ', they finally acknowledged that it is. However they did say that when the loan matures in XXXX 2017, the entire loan would need to be paid off. I told them that the terms of the original loan were that at maturity, payments to the principal of the loan would start. I have been paying interest and principal the entire time since I started drawing on the loan. They told me that they were a debt collections company and did n't have to abide by the original terms of the heloc.
Product: Credit reporting or other personal consumer reports

I submitted disputes through Experian on XX/XX/XXXX around XXXX pm and at XXXX am on XX/XX/XXXX the report came back stating verified. There is no way the investigated the accounts that fast.
Product: Debt collection

I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. 

Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. 

I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. 

This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. 

As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. 

Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. 

It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Product: Bank account or service

On XX/XX/2016 I put check in the my checking account the check was issue to my brother at the time and in was from prudential company. I used the ATM to put the check in I know he was not on the account that not the problem. Couple of days later I get the check back in the mail but it was not the original check it was copy of it. I have made phone calls and wrote letters asking why did the original check was destroyed. PNC destroyed a XXXX dollar check that the person who was not a PNC Bank customer. I would to know from them why they did that and not give the original check. I have been on the with customer service and went to the PNC with no answers. I would like copy of there policy about destroyed XXXX dollar check. The check was deposits in the account and withdrawal on the sameday.
Product: Debt collection

Per my most recent credit reports ( XX/XX/19 ) LVNV is listed as owner of an alleged account from XXXX XXXX XXXX. Per the reports this account was opened/purchased as of XX/XX/19 with an amount of {$650.00}. I have attempted to dispute this account via the credit bureaus, but to no avail. To date, LVNV has not sent any written correspondence identifying themselves as the owners of the alleged account, provided written notification that they are attempting to collect a debt, nor send any correspondence advising that I could dispute the validity of the account ; it simply showed up on my credit report one day. 

A third party ( XXXX XXXX  ) is now sending me email correspondence on behalf of LVNV stating they are the owner 's of the alleged account. I am unsure how they received my email address, but I have received emails from them on the following days : XX/XX/XXXX, XX/XX/XXXX ( two emails-the second appeared to have been triggered by my clicking dispute ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. These emails appear to be automatic and are coming from a gentleman by the name of " XXXX XXXX. '' I take issue with an email being sent " blindly '' to an email address with my personal information available for ANYONE to see, as well as a link that provides more info about said debit. I have not completed the dispute process through True Accord as I am leery since I have never received notification from LVNV and I do not want to give any of my personal information to any unknown parties ; and True Accord is now offering a settlement on the alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00} - XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$710.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.