23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT ( DSNB AMERICAN EXPRESS ) IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS TRANSACTION. THIS HAPPENED BECAUSE OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Equifax has violated my rights by having XXXX XXXX XXXX XXXX XXXX # XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identified that resulted from a alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

its a corporate account that is reporting on my personal credit and Im a victim of identity theft. the account is still under investigation
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human tra_icking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I believe the account is invalid. UPGRADE INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.UPGRADE INC XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681. Section 602 of the FCRA affirms my right to privacy. Additionally, under 15 U.S.C. 1681e ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Furthermore, according to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Account Name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile. It has now exceeded 90 days since I sent my inquiry, but I have yet to receive a response to these inaccurate records on my profile. I understand it is my right to ask for a thorough investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX for XXXX XXXX and Experian regarding a hard pulls that was done on my account that very day. XXXX XXXX  listed XXXX XXXXXXXX as requesting information/performing a hard pull and Experian had listed : XXXX XXXX twice - once on XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX as having pulled my credit.

I had called each of the 3 credit bureaus and placed a credit freeze on my account. I had spoken with Experian on XX/XX/XXXX and was informed that I had fraud alert included with my subscription and a case would be created to look into each of the unauthorized request made on my account. On Monday XX/XX/XXXX I called XXXX and had to converse with a bot over text messaging. I was informed that a written letter would need to be sent to the company. I then called XXXX on XX/XX/XXXX and was told that a dispute would be placed however I would need to file a report with the FTC in order to have the hard pulls removed from my credit report. I contacted and spoke with the fraud/application department at each of the institutions who pulled my credit, all had informed me that a stop would be placed on the application and a fraud alert placed on it. Also, the company will be reporting fraud to the credit bureaus to have them remove the inquiries from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX/XXXX/17 I got identity theft and XXXX ( XXXX XXXX ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked XXXX to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX handled it very well and quickly. 

Mercedes Benz also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.
Product: Credit reporting or other personal consumer reports

USDOE/XXXX  is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Delete account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

Lexisnexis Is violating my rights I submitted a dispute XX/XX/2021 the return receipt states they received it on XX/XX/2021, today XX/XX/2021 they still have not started the dispute which is a violation of the FCRA & FDCPA Then on XX/XX/2021 lexisNexis sent a letter with a form requesting me to do their investigation for them which is not my job in which is not required by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I applied for a home loan to refinance my current mortgage. The application was sent through a mortgage broker to Reliance First Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. When I received the application summary letter from Reliance First Capital, which included my credit report, it also contained an application summary for a completely person for a loan she applied for on XXXX/XXXX/XXXX. The documents contain this individuals complete credit report ( via XXXX mortgage ) social security number, all of her account numbers and other XXXX. While this may have been inadvertently included in my mailing, it still raises concern about the quality control and compliance processes at this company. I am now concerned that my denial letter with full XXXX is being dispersed to other consumers who have applied for loans through this company.
Product: Debt collection

I applied for a mortgage and a debt collection agency was on my account for a paypal credit card that is under a different name. Synchrony bank acknowledges that the person who opened the account is paying and her name is XXXX XXXX XXXX, but they will not send a letter to the debt collector or the credit bureau stating that this was erroneous for up to 60 days. This was their mistake. That isn't even my name. It is ruining my credit and keeping me from getting a home. The account with synchrony isn't even on my credit report! The reference number is XXXX with synchrony.
Product: Credit reporting

Equitfax reflects my school loan is defaulted. That is incorrect. I have consolidated all my loans and have been paying my school loan for the past two years. This process is frustrating and has ruined opportunities for me and my children 's education. No other credit report reflects this loan defaulted. Why does equitfax?? How does equitfax pull their data?????
Product: Credit card

I spoke with a company called XXXX and explained that I could n't afford to make a payment on my Capitol one account that day but I would call back on XXXX/XXXX/16 and set up payment arrangements on the account. I am not sure of the date that I spoke to them about the payments but I believe it was around XXXX/XXXX/2016. 
Today I recieved a phone call from a relative that I have n't spoken to for two years saying she spoke to someone from the same company who told her that I was in default on my Capitol one credit card. They gave her my balance, told her that they spoke with me about my account and that I told them I would call back to make payment arrangements and never called them back. They gave her a date that they spoke with me and everything!! Now that relative has told my whole family that I can not pay my bills and is dragging my name through the mud. I called XXXX agency and spoke with a manager named XXXX and he told me he would look into listening to the call and apologized for what happened. After speaking to him I decided to call back and make a request to hear the call, and XXXX stated that he did n't believe there was a way to do that. I have contacted my lawyer because I believe my FDCPA rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX ( XXXX ) Via phone to have this loan not report on my consumer reports. They claimed they couldn't help me but according to LAW On my truth and lending DISCLOSURE, 15 US Code 6802b. I MUST have the opportunity to have any information not be disclosed on my consumer report. I WAS NOT GIVEN THIS OPPORTUNITY. As now it is XXXX and this is a detriment to my consumer report.
Product: Debt collection

Today is Tuesday, XX/XX/2022 and I am filing a complaint about a collection that was found on my credit report. I have been dealing with numerous accounts being opened under my identity fraudulently and have filed two other complaints about my identity theft issues with CFPB. This collection is from Southwest Recovery Services located at XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX for the collection in the amount of {$570.00} on behalf of XXXX XXXX XXXXXXXX. On my credit report, it shows that this account was fraudulently opened under my name on XX/XX/2022. After learning about this fraudulent account, I contacted XXXX to file a dispute about this collection since I am a victim of identity theft. XXXX is the only bureau that has this fraudulent collection account on my credit report and the other two credit bureaus, XXXX and XXXX, do not. I filed a dispute with XXXX about this collection on XX/XX/2022 and my dispute was completed on XX/XX/2022 with no email or text informing me of the results. This was very odd since I always receive updates on my disputes with XXXX since I signed up for text and e-mail notifications. This led me to call XXXX today, XX/XX/2022 at XXXXXXXX XXXX and I spoke with an agent named XXXX. I informed her that I filed a dispute about this collection on XX/XX/2022 and received no response about my results. She stated that XXXX concluded that 'I am the rightful owner of this account based on their investigation, ' which is upsetting since XXXX is aware that I have filed multiple disputes about fraudulent accounts being opened under my identity. I requested to file another dispute on this collection today since it is not right how XXXX is conducting their investigations. I let XXXX know that I am and have been a resident of XXXX XXXX all of my life and I have no affiliation with XXXX, which is where all of these fraudulent accounts are being opened under my identity. This is not the first time results from XXXX were not in my favor, which is why I continue to reach out to CFPB to find resolution with my identity theft matter. On XX/XX/2022, I went to my township 's police station, XXXX Police Station, to file another police report on my identity theft issue. I filed my police report with XXXX XXXX XXXX and he included this fraudulent collection from Southwest Recovery Services on my police report. In addition, XXXX XXXX XXXX has entered me into the XXXX as a victim of identity theft. I have frozen all of my credit reports with all three credit bureaus, as well.
Product: Credit card

I contacted comenity bank as result of a fraudulent account opened in my name. I request a fraud case be opened. They had already flagged as fraud but I never heard anything. In contacting I asked them to send me confirmation that case was open and they refused. More specially I also communicated that my credit reports had been frozen so Im not sure how these were opened and I was told that there were two credit bureaus being used that are unknown innovus and sagestream. This is unethical that they would request credit checks from unknown credit bureaus. And give instant credit to individuals in the store without any validation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 


Account : XXXX. 

Account XXXX XXXX  Removed as a collection but Shows as a closed Account on my credit file. 

Account : XXXX XXXXXXXX Removed as a collection but Shows as closed and reports a late. 

Account : XXXXXXXX XXXX Removed as a collection but Shows as a closed Account on my credit file.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section XXXX, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section XXXX states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, XXXX XXXX XXXX consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

so i got robbed for XXXX. girl in my building asked to cash a check she is a XXXX singer i livew in XXXX i said ok, then next day XXXX was in my account through a boigus check. wells fargo refuses to pay me back, i pad the XXXX to not mess up my credit. they said they arent at fualt and im out of luck. I did not do any of these transaction, i was straight robbed. it has taken me this long to make a complaint because i was working and trying to survive in XXXX with no money. i want to sue, get my money back from wells fargo. they are at fualt. the check was obv fruad. the transactions these ppl did with my account were red flags and they did nothing. this is absoultly ridiculus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX and XX/XX/XXXX are inaccurate. My payment history reflects consistent on-time payments, and I have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Summary of Errors and Discrepancies : The account reflects late payments in XXXX and XX/XX/XXXX, which are inaccurate. 
Payment history should reflect 100 % on-time payments. 
The discrepancies misrepresent my creditworthiness and violate consumer protection laws. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX XXXX XXXX and XXXX XXXX on my credit file. These accounts and the associated balances do not belong to me. I have sent removal letters and multiple documents many times over the course of a year. This situation is unacceptable, and they are violating several rules and regulations regarding the dispute process for accounts like these. Again, these accounts and balances do not belong to me.