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

XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XX/XX/XXXXXXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXXXXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and all need to be deleted from my credit report : XXXX XXXX. Inquiries : XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with XXXX XXXX, and it was reported on [ Date of Report ]. The details of the account are as follows : - Account Holder : XXXX XXXX - Reported Balance : {$2500.00} - Account Type : Credit Card - Status : Closed - Remarks : Charged off as bad debt, Canceled by credit grantor I dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX. 

XXXX. **Verification of Account Ownership : ** I request that XXXX XXXX XXXX clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

XXXX. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information. 

XXXX. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft.

- Correction of any errors or inaccuracies in the reporting of the fraudulent account. 
- Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

I have attached copies of relevant documents and correspondence related to this dispute for your review and investigation. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX Account Number : XXXX Amount : {$190.00} Date of Account:XXXX
Product: Debt collection

Afni was reporting on my credit report that I owed {$100.00} for a XXXX collection. I never owed XXXX XXXX that amount. When I filed a dispute with XXXX they reduced the amount owed to {$0.00} and reported it as if I had paid the {$100.00}. This needs to be completely removed as this is still inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX ...., XXXX XXXX XXXX .... )
Product: Credit card

I have an account with PAYPAL under XXXXXXXXXXXX and I used this account to purchase items from Ebay. I purchased an item on Ebay for {$910.00} on XX/XX/XXXX from a merchant in XXXX using my XXXX XXXX XXXX credit card and the payment was transacted through PAYPAL. The merchant defrauded me and sent me an empty packet. I promptly complained to Paypal and since PAYPAL was not acting in good faith, I asked my credit card company to reverse the charges. Although my credit card company reversed the charges, Paypal still owes me {$20.00} for this item as my credit card was charged XXXX and the rest XXXX was the reserve funds that was in my Paypal account. I talked with a Paypal representative as late as XX/XX/XXXX and he said that the refund would be sent to my bank account associated with Paypal. I still have not received the refund of {$20.00} that PAYPAL owes me. The transaction happened in XX/XX/XXXX and today is XX/XX/XXXX. I wonder if PAYPAL would tolerate this kind of non-payment if I had owed Paypal money. Please order Paypal to refund my money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I did not authorize and one late payment that is wrong
Product: Student loan

I do n't feel I own this loan I was enrolled in what i thought was free program that closed while i was attending the school. After a while i started getting bills and was not sure what to do or how to go about getting this issue corrected. In order to stop for getting a wage assign me i went into consolidation to stop this because I could not afford assignment. I asked for simple copies of signed documentation showing i signed for this loan. The company is claiming the school closed XXXX-91. I do not agree with that It closed while i was there. I 'm asking if their claiming it closed that date can the please provide their information. The school did not give me any closing information and missing paperwork
Product: Checking or savings account

Established a business checking with 5/3 Bank XX/XX/XXXX-recommended by 5/3 to sign up for credit card processing. Was told by 5/3 account was declined. For 2.5 years 5/3 branch staff never admitted they knew what the abbreviation on my statement was for charges of {$140.00} monthly for XXXX   ACH billing were. In XX/XX/XXXX returned to branch again regarding fees. Was advised to open a merchants acct thru them. Their rep advised me when she came out & I ask her about the abbreviations, she called & learned I had already a merchants account. That had been in place since XX/XX/16 which cost me! XXXX monthly. Never received a credit card terminal, never received 1 billing statement. Was advised I had a open acct with XXXX now XXXX. I must contact them directly to resolve receiving my refund request for mothly fees. As we have our Merchant processing thru another company along with a terminal, we had in place already when starting new relationship with 5/3. Again never received any equipment, no contract, no monthly statements. After 15 days allowable  processing time required, still havent received any refund we calculate 30@XXXX= XXXX. Today was the agreed date for restitution and or explaination on there plans for resolution. Cust service rep stated the notes indicate their intent to refund {$250.00} but the back office hadnt signed off on it yet. This is major fraud. Please assist in anyway possible. Ive contatced 5/3 on sevral levels along with their processing company XXXX now dba XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a mailed a formal letter to EQUIFAX requesting documentation validating ( provable documents as to the accuracy, completeness, timeliness and otherwise compliance of how account is reported ) of XXXX XXXX/XXXX  Account # XXXX that is listed on my report. 

As of today, XX/XX/2020, XXXX  has yet to provide this information within the allotted 30 days. I request that Equifax delete this account from my credit report immediately.
Product: Credit reporting

This complaint is in regards to an XXXX credit report. It involves a credit report inquiry on XXXX XXXX, 2014 in the name of CREDCO/CHASE ACCT RVW. I sent XXXX letters to Credco/CoreLogic asking why my credit was pulled and what XXXX XXXX XXXX Bank represented to them for permissible purpose to pull the credit report. I failed to receive a satisfactory answer and so I emailed Credco/CoreLogic. A representative by the name of XXXX, at XXXX called me. He explained that their relationship with XXXX is automated and they receive nothing in regards to why the report was pulled. I asked what XXXX represented to them that was permissible, and he said nothing, other than he could send me an explanation of what " represented '' actually means, as there are different areas that would cover. I told him that I sent a letter to the address provided by Credco/CoreLogic, for XXXX XXXX XXXX Bank, with an address in XXXX TX. My letter was returned " return to sender '' without explanation. He said it appeared there might be a suite # for the address, but that was cutoff based on what he was looking at in the system. He did give me a contact name of XXXX XXXX and phone # of XXXX. I called the phone # and it is no longer in service. I left a message for XXXX to please investigate further for accurate contact information. I have no clue why XXXX XXXX XXXX Bank would be conducting an account review in 2014. The system of pulling a person 's credit report in this situation, without any permissible criteria or accurate contact information is worrisome. Please investigate both Credco/Corelogic and XXXX XXXX XXXX Bank to get to the bottom of why they pulled my credit report. 

Thank youXXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX I was injured at XXXX XXXX where I resided. Injured my XXXX  which has resulted in over XXXX XXXX  since XXXX and cost me work and placed me in financial distress. I was awarded a settlement of $ XXXX from the property for the injury and was allowed to move from the property without fee or fines. Property management agreed to allow me to break my lease and leave the property due to the inability to still live in the unit due to the stairs that I could no longer climb to access my unit. now in XXXX when I am preparing to purchase my first home I am being held up due to a debt that no one can tell me what it is why its there or anything the leasing office informed me that they don't even have a file on me.
Product: Money transfer, virtual currency, or money service

I sent digital currency from one echange to another with the wrong address receiving end.

Sent Bitcoin to a bitcoin cash address from one echange to another. XX/XX/2018. I asked them to help recover those funds and they replied that they are to busy and dont have the resources for that. That your XXXX dollars are lost. I wrote back begging them to help and that i needed the money badly. They said they might get to it but can t guarantee that it will be any time soon. Very vague anwser. Pretty much they dont have customer service but an anwsering service.
Product: Credit reporting

XXXX. Consider keeping your old accounts open. 
***REMEMBERING ''THE BELOW STATEMENT FROM EXPERIAN '' ... ... ***The length of your credit history is considered by many credit scoring models, so your old accounts may be doing more for you than you realize. The longer that your positive payment history is, the better it can look to creditors trying to discover how long you 've handled credit responsibly, and have been in good standing. Old open accounts can show creditors you have been savvy with your credit use for an extended period of time, which can make them feel more at ease. 

***PLEASE HAVE ''EXPERIAN CREDIT AGENCY '', TO PUT BACK ON MY CREDIT REPORT THE OLD ( XX/XX/XXXX EXTABLISHED ... WITH ''XXXX CREDIT CARD '' ... .THRU XXXX ... .THAT WAS TAKEN OVER BY : XXXX XXXX. 
I NEVER MISSED ANY PAYMENTS ... ... NEVER LATE SINCE XX/XX/XXXX. WHY? WAS THIS TAKEN OFF ....? I NEVER MEANT FOR THIS ITEM TO BE TAKEN OFF BY ''EXPERIAN ''. 

PLEASE RESTORE THIS ITEM, WHICH WILL IMPROVE MY CREDIT SCORE, WHICH NOW STANDS AT : XXXX ... ... ... ( REMEMBER I WAS AT : HIGH OF XXXX .... ( XXXX ... .XX/XX/XXXX ... ... WHEN I WENT TO XXXX TO GET MARRIED & HAVE MY SON. 
CAME BACK TO FIND THERE HAD BEEN XXXX COMMITTED ON MY SSAN & NAME. 
PLEASE ADD THIS CLOSED CREDIT CARD FROM : ''XXXX '' ... .. ( XXXX XXXX CREDIT CARD ) ... ... RESTORE TO MY CREDIT FILE. 
Thanks., XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting a late payment from XX/XX/2019 incorrectly. Credit card company XXXX XXXX XX/XX/XXXXXXXX said they would fix the issue and I sent the letter to the bureau and it still hasnt been removed.
Product: Debt collection

I 'm getting calls from a company claiming to be " Miller and Associates, '' phone number XXXX. Most of the time they call and hang up or I call and they hang up. They call saying I owe about {$4000.00} from a bank account with XXXX bank opened in 2011, and when I tell them that I have no idea what this is about they begin saying that I can deal with it in court. I have received no letters in regards to this debt, it 's not even on my credit report. I 've asked them numerous times to send me a letter with information about this and they say that I 'll just have to appear in court. I spoke with a " XXXX XXXX '' and she said that I was trying to defraud a bank, that I need to just " pay my bills '' and " good luck keeping my job. '' She even asked me to give her my employer 's name and phone number so she could talk to my boss, which I do n't understand why that has anything to do with anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX on Transunion and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX
Product: Student loan

I dispute the past due claims by Navient of pass due amount due to the fact I am on a reduced payment plan and have been since the claims, my payments are automatically paid and payment are set for a reoccurring set amount. I have contacted Navient three other times about this problem and was told it would be taken care of. Each time I called I was told to give it 4 0r 5 day to rectify but there was no change and now it showing several month pass due. I recently called and was told by collection that my bank account would not process the payment back in XXXX of 2016, then she tried to force me to make a payment by threatening me when I told her I would check my account and call her back. I checked my bank account and there was no refusals on this month. I am requesting my credit file be updated and the negative marks taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit  Reporting Act.
Product: Student loan

I have been directed by both XXXX ( first servicer ) and Navient ( originally XXXX and XXXX ) into forbearance since my loans became due six months after graduating from XXXX in XX/XX/XXXX, due to my unemployment. Since my loans shifted from XXXX and XXXX over to Navient I have had nothing but misinformation. I was recently granted forbearance on all my loans for what I thought was a period of one year ( XX/XX/XXXX for XXXX loans, and XX/XX/XXXX for XXXX others ), this is what I applied for. Just yesterday I received an email saying they were going into repayment in XX/XX/XXXX. I log in to my account XXXX loans are saying due XX/XX/XXXX and the other XXXX are due XXXX! Yet, the first XXXX are showing under the details in forbearance until XX/XX/XXXX, if they 're in forbearance how is a payment due this XX/XX/XXXX??? The other XXXX are showing in forbearance until XXXX, again how is a payment due XXXX if forbearance does n't end until XX/XX/XXXX ( which, again is not even the date I requested )?! I am thoroughly confused by this information, and I feel it is intentional to mislead. I have tried contacting Navient concerning this and they ca n't give me a straight answer. I am terrified this is going to destroy my credit which I rely upon for employment in my field. I will attach screen shots from their site showing the inconsistency in information from one page to the next, and between the mobile and desktop site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX BANK XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX CARD XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Product: Debt collection

This company called me and stated I as the cosigner of my daughter 's rental lease owe {$600.00} after she moved out. They gave no reason and stated we both are the hook for an additional {$600.00}. I asked them to provide documentation and a reason why, I also reached out to the apartment company who told me I need to speak with the debt collector only. I called them back and they told me I must pay the {$600.00} and provided no reason. I asked for documentation and they never mailed or emailed or followed up. I contacted an attorney who I paid to request documentation of why we owed {$600.00} and requested documentation be sent to him. They did not send any documentation to him or us and then proceed to put this debt on our credit reports citing extremely past-due fees - we do not know what the fees are for.
Product: Debt collection

XXXX $ was put collection and i was getting calls during work hr disrupting my office
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing a complaint against Equifax, I have disputed a collection account several times with them despite me sending a proper documentation they still have yet to remove this fraud item from my credit report I have disputed this collection over 10 times in the past four months to no avail nothing is been done I have even sent a complaint with cfpb that didnt do anything they are still reporting this collections despite me sending the documentation, the item gets deleted and its placed right back on report The dates I sent documentation from current to past, I am victim id theft this really isnt right this collection is still reporting and I am providing proper legible documentation Collections : Fair collections & outsourcing Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$52000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account unknown to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX