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 on how to remove the fraudulent items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I would like to clarify that these late payments are not accurate, and I believe there has been an error in the reporting. I have attached supporting documentation, including payment records and correspondence with XXXXXXXX XXXX, to substantiate my claim. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to correct my credit report immediately. I understand the importance of accurate credit reporting and how it can impact my financial standing. 

XXXXXXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I trust that you will address this matter promptly and provide me with written confirmation of the corrections made. 

I appreciate your attention to this issue and your commitment to ensuring the accuracy of credit information. If there are any additional forms or information required from my end to facilitate the investigation, please do not hesitate to contact me. 

Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I have contacted XXXX, Transunion, and XXXX to let them know that the addresses on my report were not mine. They stated they could not fix that for me at this time. Also, Inquiries that were on both my reports I had explained to them I do not have any accounts with them and that I never gave the people permission to use my information. They again stated to contact the companies to have them removed. I had contacted the companies and no information is in their system to show I have any account with them. Also, with XXXX  my name for under known alias is wrong and for my middle name they put XXXX instead of it being an XXXX. I have already filed a complaint with the Federal Trade Commission too.
Product: Credit reporting or other personal consumer reports

Trans Union requires hard copies of Drivers License and Social Security Card to be mailed to them. There is no guarantee of security on Personal Information when mailed.

Request that such information be facilitated to be uploaded securely on their website. Mailing such proofs has opportunities to be compromised. 

Urging CFPB in the interest of individuals to instruct Credit Bureaus to provide foolproof links to upload and not instruct to mail hard copies of such documents to be mailed to them. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with transunion and I have attached the documents that they told me to send to them. I also sent it to them by certified mail. These fraudulent accounts are messing up my life. I have been denied credit because of these accounts. I have already invested in a credit monitoring so that I can immediately see if anything happens with my credit. This is me writing this trying to rectify they situation. I have included documents to verify my identity also
Product: Credit reporting or other personal consumer reports

Based on,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 XXXX business days after the date of receipt.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i XXXX XXXX ) this account in violation not reporting 100 % accurate.In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshas violated my rights.Pursuant to 15 USC 1681 section XXXX A states I have the right to privacy.Pursuant to 15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish accounts without my written instructions.I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN XXXX DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Debt collection

It shows on my credit report that Credence Resource Management reported to XXXX XXXX that I owe them an amount of {$1400.00} on an XXXX XXXX XXXX  bill collection on XX/XX/2018.However, I have never received any type of written correspondence from them any time after the date the debt is reported. Which goes to say they have not provided me with any type of validation of this debt. The debt also continues to show on my credit report and I am aware they can not legally report a debt that has not been validated on my credit report and that it has to be taken off until validated. I have reason to believe as well that this is a possible scam.I currently have a dispute in process concerning the debt with XXXX. I believe as well the account has in fact crossed SOL for the state and type of debt. I've already tried sending them a debt validation letter and have not received a reply. I do not want to pay for a debt that is not mine and/or end up paying a fake collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my credit file and XXXX XXXX XXXX XXXX is listed as the furnisher. That information is inaccurate as the bankruptcy court does not verify or validate information.
Product: Money transfer, virtual currency, or money service

I have been a long time PayPal user, but all of a sudden PayPal is declining me from adding funds and making payments. I have not changed my banking information recently, nor am I doing anything out of the ordinary. I am tired of hearing excuses from front line agents who do not know what they are talking about. There is no point in offering these services if PayPal customers are unable to use them.
Product: Credit reporting or other personal consumer reports

Ive asked to see proof of verification, its been over 90 days and I have not seen and proof of verification to these charges I am not familiar with
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been dealing with XXXX pertaining to a credit card account that is reporting incorrect/inaccurate information on my consumer credit report ( s ) across XXXX, XXXX & Equifax. This account was closed after XXXX and it is reporting late ( s ) for XX/XX/XXXX & XXXX XXXX XXXX & XXXX  day consecutively when this account is XXXX balance and it is not even open. Additionally, there is a XXXX  day late in XX/XX/XXXX when this account wasn't even open then as well it was closed in XXXX. I spoke with the company representative ( s ) and they are unable to locate the account and on top of it I received a letter from this corporation on XX/XX/XXXX/2024 that said that the account is correctly reporting to the account ending in XXXX that they said is incorrect and not from them the representative on the phone said they do not recognize the tone and context of the letter. This is a very frustrating experience over the last XXXX XXXX months dealing with this as not only is the creditor clueless to the details of the account they are reporting wrong information on XXXX credit bureau which is severely hurting my credit for the worse. My score has dropped over XXXX point ( s ) with the addition of these new wrong late ( s ) and the fact they told me they would look into this and remove these late ( s ) from XXXX, XXXX, XXXX & XXXX however, they can not find the account is frustrating and this financial institution holds on accountability. Reaching out to the CFPB is my last attempt to resolve this with the creditor as I am going to file a suit in my local court and litigate against the credit bureau ( s ) and the creditor as I have notified both of them about the violation ( s ) of their incorrect reporting in which they don't seem to care which has affected me financially and mentally. I am trying to acquire a home and this has severely dropped my score which has affected my personal relationship ( s ) and business relationship ( s ) with this wrong information contained on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was routinely checking my credit score on XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted TransUnion and XXXX to have the account removed. I have also contacted the company, XXXX, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting XXXX to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?
Product: Checking or savings account

On XX/XX/XXXX I received a IRS XXXX XXXX form from FlagStar Bank. Upon reviewing the document, on the interest statement portion, the bank lists a savings account of {$300.00} in interest income. I have never had a savings account at FlagStar which listed account number XXXX. I called FlagStar on  XX/XX/XXXX and spoke with XXXX from the Financial Crimes Unit, who was absolutely no help, she made up excuses and did not want to hear my concerns, she would clear as day *** huff and puff XXXX at me on the phone. I believe the bank is falsifying income that does not exist. I never had a Savings account with them nor ever had an account number of XXXX. This bank is full of XXXX and excuses. I am glad that they closed my checking account on XX/XX/XXXX. Who wants to bank with a bunch of thieves and liars. Corporations like this think they are untouchable and that they cant be sued or fined for bogus acts such as this. They are soon to find out, when i prepare for a {$500000.00} lawsuit for creating bogus accounts with fake, falsified income that never existed. This checking account was a merger from XXXX XXXX to FlagStar, and if correctly, remembered XXXX XXXX was opening bogus accounts and had to settle with many customers. Apparently, FlagStar is following suit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax and 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 you receiving this complaint. 


These are fraudulent, inaccurate, and false information consists of a personal credit card account opened at 1. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US 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 card or prepaid card

I had an account with Wells Fargo that got closed without my knowledge or approval. When I contacted Wells Fargo they offered no explanation as to why. My account was in good standing and not overdrawn. They were no help at all.
Product: Debt collection

I 've called & tried to request an invoice and XXXX XXXX ( XXXX XXXX XXXX ) refuses to send me a statement of proof of why I owe & what it is for. They said they ca n't because it has been to long then they need to REMOVED my credit report. This is from 2011 when I lived in XXXX. I do n't remember owing anything when I moved back to XXXX. I 've disputed this & it is closed & open ( collections ) now on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters approx. ( 50 ) days ago on XX/XX/2021, to all 3 bureaus about my credit report having so many unauthorized items on it. I have contacted XXXX, XXXX and Equifax in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX XXXXXXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the Equifax data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at XXXX, Equifax and XXXX do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all XXXX credit bureaus and faxed to Equifax. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # XXXX.
Product: Credit reporting or other personal consumer reports

I view my credit report on XX/XX/year> and I noticed that I have a large amount of inquiries that I did not authorize I tried reaching out to the companies and provided them documents but I have not got any response I reviewed my credit report that I did research on the consumer laws that everything have to be reported on my current report 100 % accurately and it's not and I would like to inquiries to be removed immediately thank you
Product: Payday loan, title loan, or personal loan

On XX/XX//2022, I received and an alert on my credit from a company XXXX XXXX that sent my account to an outside collection agency XXXX XXXX. I paid the collection in full on XXXX/XXXX/2022. Per XXXX at XXXX XXXX. My account was charged off on XX/XX//2022. I paid {$840.00} and when I called them I spoke with a rep by the name of XXXX XXXX  and an supervisior by the name of XXXX @ XXXX both told me once the account was paid XXXX XXXX fail to notify them the account was paid in full and all I needed to do was dispute and they would have the account removed. Account number XXXX.. This is a violation of FCRA and FDCPA.
Product: Checking or savings account

I deposited a check into my checking account today and the bank placed a hold on it for no reason for 10 days and did not tell me until the end of the transaction when I received the deposit slip. I asked why it was being held and they gave me no reason. I have banked with this particular bank for over 20 years, and the company I received the check from I have been with over 3 years. I have deposited many of their checks with no hassle or hold. I do not have a history of bad checks or bounced checks so I asked them for the check back and they told me no. They said I would have to wait the 10 days it said on the deposit slip. They were rude and did not seem to care about my money being tied up for the next 10 days. I told them that money is covering my bills and what am I suppose to do and they said sorry. I called their corporate office and was told that the check should have been returned to me when I asked. They also told me I should have been told that they could not deposit the check and there would be a 10 day hold.
Product: Debt collection

I am not aware of this company. Also if this is XXXX XXXX XXXX, they are prohibited from any collections activity, as per letter received in 2015.
Product: Debt collection

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from XXXX. XXXX for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from XXXX XXXX and XXXX. XXXX XXXX provided no proof of debt and XXXX XXXX indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with Experian to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Experian responds that even though there is clear paperwork indicating that XXXX XXXX was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to Experian, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! XXXX XXXX hasn't provided any proof that this is my debt and XXXX XXXX typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue XXXX XXXX, XXXX XXXX, AND Experian!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is reporting an account on my credit file that needs to be removed. I recently took a look at my credit and noticed this account. I called and immediatley settled this account since I was not aware about any collections on file for myself. This account got settled but I was never given a 30 day right do dispute notice on this account. This is a violation under the FCRA and the FDCPA and for that I ask that they provide me with a deletion letter. I am aware that Credit Collection Services has the ability to remove any accounts since they are the furnisher. I have settled the debt and am now asking for a deletion letter to the bureaus stating this account should be removed from my credit file.