23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Product: Debt collection

Dear XXXX, Re : Dispute of Inaccurate Information and Failure to Properly Investigate I am writing to express my disappointment and frustration with the investigation conducted by your agency regarding my dispute of inaccurate information on my credit report. This letter serves as a follow-up dispute and a formal complaint.

In 2024, I initially disputed the following item on my credit report : - Transworld systems for the amount of XXXX In response, your agency stated that the disputed item ( s ) were verified as accurate. However, I strongly believe that this conclusion was reached without a thorough investigation, as the information provided by the furnisher is incorrect.

Furthermore, I request that you take the following steps : 1. Conduct a thorough re-investigation of the disputed item ( s ).

2. Provide me with a copy of the documentation used to verify the disputed information.

3. Remove or correct the inaccurate information on my credit report.

Failure to properly investigate consumer disputes is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to correct this matter.

Please find the required documentation to support my dispute attached to this letter. I would appreciate it if you could look into this matter urgently and respond to me within 30 days.

Sincerely, XXXX XXXX
Product: Debt collection

What is this? Attached? Have no idea what this is from. 

I tried to pay the {$20.00} to to get it out of the way, but no one keeps answering. Ive been trying for months.
Product: Mortgage

BB & T now Truist Bank gave a 30-year mortgage loan to my mother in XXXX. She was XXXX XXXX XXXX at the time. She passed away in XXXX and her case was just resolve in probate court. After she passed away, I called the bank regarding the loan, but no one could provide me any information regarding a freeze on the payment because of her passing away. I called for four months in a row, and they always said that someone would call me back, but I never received a call back, so I gave up. I find the practice of giving a 30-year loan to an XXXX highly suspect knowing the likelihood she would live that long to repay was almost zero. We could not make her mortgage payment for her and the bank did not seem to care. Now they sent legal papers regarding foreclosure.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXXXXXX XXXX Account Number : XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - The personal data reporting is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX  : {$500.00} XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  : {$500.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX : {$87.00} XXXX XXXX  : {$25.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I contacted AutoTrakk LLC about an account being reported on my Credit File. The direct dispute was received on XXXX XXXX, 2016. On XXXX XXXX, 2016 AutoTrakk responded with a very vague reply stating that the file was verified by them, which is not adequate information for the direct dispute to be considered responded and verified. There was no supporting documentation and the dispute, as far as I am concerned was not resolved by the lack of information provided by the firm. As a result, I am more than sure that the account must be removed from my credit file and the company must cease collection attempts. In addition, when AutoTrakk initiated the repossession process, they did not follow NC state laws and send notification of intent to sale along with the location and other pertinent information about the sale of the vehicle along with deficiency information. Which makes the deficiency balance void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following FRAUDULENT INQUIRIES on my CREDIT REPORT. I've sent multiple letters, called the CREDIT REPORTING BUREAUS, filed a CFPB REPORT and I have not received any REMEDIES. 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 XXXXt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX On XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX reported a late payment on my credit report! 

In accordance with the Fair Credit Reporting Act XXXX account XXXX and XXXX has violated my rights! 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions!

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Bank account or service

I opened my account with Synchrony Bank through a furniture purchase XX/XX/XXXX. My monthly payment is {$97.00}. I received notification in XXXX XXXX, that a late fee had been assessed. I contacted Synchrony Bank to ascertain why a late fee was assessed and found that my due date was on the XXXX of each month. I requested the due date be changed and they did so and waived the late fee for XX/XX/XXXX. Great, no problems. Now in XX/XX/XXXX I receive a phone call stating I owed {$170.00} and was late even though I had paid each XX/XX/XXXX, XX/XX/XXXX within the first week of the month. After speaking in circles with the representative for over 30 minutes trying to find out why late fees had been assessed and being repeatedly told that I was only making " partial payments '' of {$97.00} and no explanation as to when or how {$97.00} became a partial payment, I requested to speak with a manager. The manager came on the phone and stated that while the late fee from XX/XX/XXXX had been waived, it was only waived from the total amount due and not what was due for the month. Therefore, I owed {$97.00} plus {$25.00} for the late fee in XX/XX/XXXX and only paid {$97.00}. So in XX/XX/XXXX, I was assessed an additional late fee and again, I only sent {$97.00} so now I owed over {$170.00}. I asked if it made any sense to him that a waived late fee still needed to be paid and that this same " ghost '' late fee would then continue to incur XXXX more late fees. I was told that I had to pay what they showed as being due or I would continue to incur late fees. How can a bank waive a fee and then continue to say it is due and on top of that, charge you late fees for not paying the waived fee? This policy was set up for no other reason than to enable the bank to be able to continuously still its hands into your pockets for literally, no reason.
Product: Money transfer, virtual currency, or money service

I was scammed by someone stating that I owed money for missing a court date to the XXXX Police Department on Sunday, XX/XX/XXXX. I sent the money through PayPal to a XXXX XXXX for {$720.00} plus a {$21.00} PayPal service fee for an amount totaling {$740.00}. I was told to meet with someone at the XXXX Police Department later that afternoon. When I got to the police department, I was told by someone who worked there that the person I spoke to on the phone was using the name of someone who used to work at the department and that it was a scam. I filed a report with the XXXX Police Department and was told to also file a report with the police department where I lived, the XXXX XXXX Police Department. I filed a report with the XXXX XXXX Police Department on XXXX, XX/XX/XXXX -- the following report is attached. The case number with the XXXX Bank is # XXXX. 

I received a credit from my bank for the amount taken ( {$740.00} ) shortly after the incident and those involved at the bank said they were going to look into the case. The case was denied on XXXX XXXXXX/XX/2023 and the funds were taken back. The case was then reopened on Friday, XXXX XXXX because XXXX Bank and PayPal did not have the actual police report from the XXXX XXXX Police Department beforehand. Following this, I was told from representatives at XXXX Bank that I needed to get something in writing from PayPal stating that they would approve a credit for the funds, which they never provided. I was told when I called PayPal that since the bank was handling the case now, there was nothing further they could do. A representative at XXXX Bank stated on XXXX XXXX XXXX that if a document of any kind ( email, written document, etc. ) is provided at some point from PayPal stating they approve a credit for the amount taken, they could approve giving back the funds. I am not sure why Paypal can not provide this information and if this is not resolved, further legal action is going to be taken. 

I will note that there is a supplement to the original police report from the XXXX XXXX Police Department since the first report did not have the correct amount taken. The supplemental report was taken down on XXXX, XXXX XXXX -- the following document is also attached.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights . 



I looked at my Experian, XXXX XXXX XXXX credit report on ( DATE ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and inconsistent information reported on my credit report, specifically concerning an account listed as " XXXX XXXX, '' Account Number : XXXX, with a balance of {$2600.00}. 

On XX/XX/year>, XXXX conducted a thorough investigation of this account and removed it from my credit report. The investigation results were as follows : INVESTIGATION RESULTS- DELETED : " The disputed item ( s ) was removed from your credit report. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Despite this, XXXX sent me a report on XX/XX/year>, stating that the information had been verified as accurate and correctly reported. Furthermore, Experian continues to list this account on my report. 

This inconsistency between the bureaus is causing irreparable harm to my credit score, and I am requesting that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n, and remove this item from my credit report.

In accordance with the FCRA, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am also requesting the names and business addresses of each individual with whom you verified the aforementioned account so that I may follow up on this matter.

Please provide me with an updated copy of my credit report after your reinvestigation, as required by law.

I appreciate your prompt attention to this matter and look forward to your immediate action to correct these errors.
Product: Debt collection

Upon review of my credit report on XX/XX/XXXX, I found a listing for Account Resolution Services. It is reported as a emergency service related debt, and the company being the debt collector.
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I have no history of emergency services need, and have never utilized emergency services. Upon request of validation of this debt, none was sent to me by the company. Reportedly, this was also validated by XXXX XX/XX/XXXX, when I made a request through XXXX after asking them to have the company produce validation. Again, I have not received any documents showing how this account was validated or copies of my signature. I am concerned that this was placed on all three of my credit reports in haste, and I am being charged and penalized for an account I never owned, nor received services for. Not only have I never received services for any emergencies, I have no minor children, and would not be billed for any child I have under the age of XXXX.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit reports. I have asked that they dont respond to my request by saying that these accounts have been verified, as they did with XXXX. I have asked for validation, not verification. I would like copies of the documents that you have in their files related to services they are demanding payment for.
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XXXX XXXX Law Dictionary, 6th Edition XX/XX/XXXX defines " Verification '' as, " Confirmation or correctness, truth or authenticity, by affidavit, oath or deposition in averments or statements of party. '' What this means is that their company must be willing and able to produce a document that provides the account ( s ) in dispute belong to me, and the information being reported is accurate and they must be able to do this in a court of law. Their failure to provide me with verifiable proof required to post the account is evidence that the account never existed and therefore is proof that they can not properly " verify '' the account.
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If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they need to be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing theses inaccurate and unverified items on my credit reports which are distributed to 3rd parties they are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681 ( i ), all unverified accounts must be promptly deleted. Therefore, if you they unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of then they must have their account removed from my credit reports. It has already been 30 days, and they are already in violation.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX  XXXX - XXXX - XXXX - {$250.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - {$180.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I paid AMCA in XXXX or XXXX, it was settled at {$300.00} and it is still on my credit report.
Product: Debt collection

Law 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay debt that the debt collector must cease all communications
Product: Mortgage

Since playing at home lending has taken over the mortgage on my home I have had nothing but trouble with this company they pull my mortgage they don't pull my payment on the right date so it has insufficient funds are they double pay my or they double full my mortgage and then I can't pay my other bills they treat me horribly they talk to me down to me they treat me horribly on the phone and won't answer my questions won't send me paperwork of ask for and the last 3 months they've double pulled my mortgage I can't afford to do this anymore and I'm starting to think they're doing this on purpose.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX  - XXXX - {$660.00} XXXX XXXXXXXX - XXXX - {$390.00} XXXX - XXXX - {$380.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

Not only was this medical bill posted to the 3 credit bureaus without first trying to contact me which is a violation of the fair credit reporting act, but I was never even informed of its existence.
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 inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking or removing of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

Received the attached notice in the mail today where my property has been placed in a HIDDEN sale
Product: Debt collection

Midland Credit Management called verified who I was, and then I asked what the debt was for, and the representative kept saying Midland Credit Management, without details. Then my credit score dropped XXXX points.