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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Bank Account # XXXX XXXX opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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: Debt collection

For over a year now, I am being called every day. I told them that I do not have an account with them because they are not the original owner of the account to collect the debt and that they brought the debt. I have also explain that I didn't sign anything with they stating I owe them. Since then, they have been calling me every day all day along and they call my job and I told them " do not call my job, I am not allowed to have debt collectors contact me on my job '' they ignore me and continue to call my job and ask to speak to me, and when I answer or anyone answer they start asking for me stating they are a debt collector needing to speak with me ''. I am tired of them calling my job and my cell phone non-stop from morning to night.
Product: Debt collection

I noticed this debt added to my credit report in XX/XX/XXXX. I have not received any notices, letters, emails, or phone calls in regards to this debt from Diversified Consultants of XXXX, XXXX I 've disputed it with the credit reporting agencies. It shows it was added XX/XX/XXXX, but I am very aware and check in regularly with the credit reporting agencies to stay on top of what is being added or removed from my credit. This debt did not appear until XX/XX/XXXX. I have not been able to reach anyone or get a returned phone call from any representative of this organization, even upon request. I 've also emailed requesting proof or documentation of this debt and to speak with a representative. I still have yet to get any correspondence of any kind. It states that I owe the amount of {$160.00} to XXXX XXXX XXXX. However XXXX XXXX XXXX has not contacted me via email, phone, or written notices. I recently had XXXX company removed stating that I owed {$160.00} to XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX were XXXX account together. It was a bundle package, and was only XXXX bill/statement for both each month. This is harmful to my credit as it shows as a derogatory mark. I ended the services with them in XX/XX/XXXX, so I do not understand why almost a year later this would surface on my credit without any notices, letters, calls, or emails from XXXX XXXX XXXX or Diversified Consultants. XXXX XXXX XXXX has all current information to contact me and I have n't received anything from them. If this is in fact my debt I will pay it, I would just like documentation stating why I owe this and for what service. As I stated I ended services with them back in XX/XX/XXXX. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion XX/XX/, 2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Consumer Loan

LOST JOB.. LATE 1 MONTH, NEXT MONTH PAID 2 MONTHS PAYMENT PLUS FEES. XXXX INTEREST ON PROMOTION TELL XXXX/XXXX/17. SYNCHRONY BANK SLAPPED {$270.00} WORTH OF FEES ON BILL. LOST JOB WENT ON PROGRAM ... NOW HAVE CASH TO PAY OFF PROMOTION. SYNCHRONY BANK WILL NOT WITH ME AND ARE GETTING READY TO HIT ME WITH DEFERRED INTEREST.
Product: Debt collection

Southwest Credit Syste {$780.00} asked for verification company never sent. 
XXXX XXXX XXXX {$1300.00} called company for verification never received. 
XXXX XXXX XXXX {$18000.00} called company for verification & sent mail no proof received XXXX XXXX XXXX for {$860.00} This company refuses send in proper verification unaware of account XXXX XXXX XXXX for {$2000.00} Account is still reporting false information XXXX XXXX  XXXX for {$1400.00} asked for verification company never sent. 
XXXX XXXX for $ XXXXcalled company for verification never received. 
XXXX  XXXX For {$490.00} called company for verification never received. 
XXXX XXXX XXXX  for {$1200.00} unable to present proof of debt seeking to have account removed.
Product: Credit reporting or other personal consumer reports

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled my credit with my consent or knowledge. 
GLOBAL LENDING SERVICES pulled my credit without my consent or knowledge.
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. 


XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states 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

XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, Transunion or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 @ XXXX XXXX I called Equifax in regards to my credit file. I asked about two collection accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX to disputed both previously was told by XXXX that they were no longer showing on my credit file. Then I inquired about the hard inquiries on my report she states that they at Equifax  can not remove unless I have documents from creditors. I explained that I mailed out follow suit letters stating removal of same inquiries from XXXX and XXXX. She then placed me on hold returns to call and says " she 's seeing where a police report was sent to XXXX but not seeing it at Equifax. '' Which is totally false because I 've sent no such document. Then I mention the BREACH at Equifax and she then says " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and etc. were around the time of the BREACH. '' My response why are these still showing then? I then ask for another Rep. After being on hold for an hour, at around XXXX I 'm speaking with XXXX. I repeated what occurred previously. She says " no the two collection accounts listed above were still showing on my credit file and that inquiries can not be removed from credit bureaus unless creditors send something electronically to bureaus. '' Contacted creditors they state they do n't have records after 30 days, or they have no account to reference. I tell her what XXXX the previous rep said and XXXX says she does n't know why she said those things. Placed me on hold comes back on call and says " I see where there was a fraud alert placed with XXXX  and XXXX  so one was placed with Equifax also '' But she just told me that Equifax could n't see what the other credit bureaus show. THEN SAYS THANKS FOR CALLING GOODBYE! I 'm baffled and angry.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a new credit account on XX/XX/XXXX with XXXX XXXX where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. 

I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at XXXX and could not find the account in question as it did not show up in my virtual wallet that I set up with XXXX personnel for all of my accounts. I worked with XXXX personnel to try and find the account information. After searching XXXX customer service figured out where the account information was located. I paid the amount due on the XX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that XXXX never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. 

After I spoke spoke to XXXX Customer Service I spoke on the XX/XX/XXXX to the XXXX Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though XXXX personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.
Product: Checking or savings account

On XX/XX/2023 I entered my bank branch to find out if there had been any XXXX  in the hold that had been placed on my account, and what if anything I could do to access my account, as it had been placed on an indefinite hold since XX/XX/2023. 

At the teller 's window was a bank employee, XXXX XXXX, who, instead of helping me with my case, refused to do anything to help, berated me in front of other bank employees and customers. I asked to speak to anyone else, and he refused. When I asked to speak to his manager, he threatened to have me removed for trespassing. It was humiliating, and I left the branch feeling helpless and hopeless about how and when I would have access to my own account and money.
Product: Credit card or prepaid card

I have been trying to cancel my Commerce Bank XXXX  card for XXXX months, since XX/XX/2023. I do not use the card and have recently been scammed twice and am very concerned about identity theft. I have made it clear to XXXX different Commerce Bank customer service representatives over the phone that I URGENTLY wish to cancel my account, and yet my account is still open. Every time I call, I wait on hold for more than a half hour before I can speak to anyone, then the person says they can't help and transfer me to someone else and I wait for XXXX minutes again. I spent an XXXXXXXX XXXX XXXX XXXX on the phone approximately XX/XX/XXXX and finally someone at least said they'd send me the paperwork even though I was away from home and working in another state and told them I wanted my account closed immediately. I am not home and the paperwork never arrived. My account is still open. I just tried calling again and was on hold for another XXXX minutes but gave up. I've wasted at least XXXX hours trying to cancel this account and have been unsuccessful despite telling people on the rare occasion I actually get through that I urgently need to cancel my account. I see no way to do so online. Very irresponsible and stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't  XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Debt collection

Experian is reporting a collection account thats not mine. XXXX XXXX XXXX {$620.00}. I had never had a XXXX account and never will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED A BANRUPTCY LISTING ON MY CREDIT REPORT WITH TRANSUNION .I RECIEVED A RESPONSE BACK FROM TRANSUNION STATING THAT THEY VERIFIED THE BANKRUPTCY WITH THE BANKRUPTCY COURT .I CONTACTED THE BANKRUPTCY CLERK AND WAS TOLD THAT THE COURTS DO NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST A THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF .SEE ATTACHED LETTER.TRANSUNION PROVIDED NO INFORMATION ON WHO VERIFIED THE LISTING. THE ONLY THING TRANSUNION DID WAS LIST THE ADDRESS OF THE BANKRUPTCY COURT AS VERIFICATION. TRANSUNION HAS VIOLATED NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT. THE LISTING IN QUESTION IS BANKRUPTCY ( XXXX )
Product: Credit card

This is the third time I 've contacted you about Capital One. The name on the credit card is XXXX XXXX, last XXXX of account is XXXX. They restricted my account, I do n't know why. I have submitted all the information requested and even made payments with my bank account on line and I 'm am still getting letters telling me they think my account is fraud. It is not. I have written letters and called them to refer correspondence to my attorney 's address and they are still sending letters to my home. I have done nothing to indicate fraud and I have been more than accommodating in helping straighten this out. I still have n't received a credit of the {$25.00} late payment fee they charged me for my first payment even though I sent it in 3 weeks in advance. They charged me more interest too. I am furious about this and I want the interested back dated. I want the restriction taken off my account and I want my credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 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 a account without my written instructions By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 


Thank you for your time and help in this Matter.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue regarding my credit report, specifically related to late payments reported on my XXXX XXXX credit card account. 
I sincerely acknowledge that my account reflects a total of XXXX days late payment. which is not indicative of my usual payment habits. Unfortunately, during the time these late payments occurred, I was facing unforeseen personal and financial challenges that significantly impacted my ability to meet my payment obligations on time. While I take full responsibility for the lapse, I want to assure you that these circumstances were exceptional and do not reflect my commitment to fulfilling my financial responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim This is not my account. This is a formal notice that your claim is disputed.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Student loan

I submitted a school misconduct form XX/XX/year> in order to discharge my private student loans. The misconduct form was denied XX/XX/year> and I am attempting to request information on why I was denied, the reason in the denial letter were vague and didn't tell me why I was denied. My school is part of the borrowers defense, I am a post class member, but my school is listed in the schools that conducted misconduct.
Product: Checking or savings account

Received multiple {$20.00} fees for OOPS as well as {$29.00} fees for returned payments resulting in my account to further become overdrawn.