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

Consumer Name XXXX 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 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( 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 reporting, credit repair services, or other personal consumer reports

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Multiple accounts have been created with my name, social, date of birth. Citibank and Citibank BestBuy are the latest of the accounts that were successfully obtained. Also, a checking account with XXXX XXXX XXXXXXXX was fully established, which has since been shut down. An account was created with XXXX & XXXX, XXXX XXXX XXXX and others with my identity. I wonder if the breach occurred when we obtained a home loan last XXXX ( 2021 ) because the entire application with XXXX & XXXX was done electronically ( DUE TO COVID ). The site was supposed to be secure. I have spent {$250.00} to get XXXX XXXX, and an obscene amount of time with each fraudulent activity to shut it down. Our system is BROKEN!!
Product: Debt collection

There was an account opened XX/XX/2022 that I did not open there have been 2 accounts open I. That year without my knowledge that I do not have access to and Ive been calling both companys and they keep saying that they sent letters for me to dispute but I never receive them, Ive been fighting this for 2 years now and still nothing, Ive called multiple times, filed a police report and everything and from what I told my information matches but I know for a fact it is not me I only have a XXXX  XXXX and XXXX XXXX account I dont have anything else other than the XXXX XXXX credit card as well, they are saying that I owe XXXX and I do not because I have no access to this account, I have never used it, the only bank I have is XXXX any credit card that I used is linked to my XXXX account, the only time I learned about this account is when I was checking my credit history and found out about it years ago and Ive been fighting it since and still nothing, then i get a letter today
Product: Debt collection

Last XXXX 2015 XXXX of their staffers called me in representation of XXXX to settle a balance of {$150.00} that I had with XXXX for XXXX services. Nevertheless the evidence shows Credence Resource never paid XXXX that balance because XXXX kept sending me letters for no payment despite I submitted confirmation number of the payment I got from this debt collector. Recently I had to pay {$150.00} to XXXX to restore services. 
The amount paid to CR was {$73.00} on XXXX XXXX, 2015 and the confirmation number is XXXX. So that I ended up paying {$220.00}.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights.

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 my 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 crimes which antedates the report by more than seven years.

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

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX   credit report showing an inquiry from XXXX XXXX XXXXXXXX ( XXXX ) from XX/XX/XXXX that she did not authorize. An official dispute of this inquiry was provided to XXXX XX/XX/XXXX, however XXXX replied they were not able to research the issue further due to lack of information. XXXX was provided, the date, the credit bureau and the PII of my client, this is more than enough information to find and remove data from a credit report. A credit report obtained XX/XX/XXXX listed the XXXX inquiry still listed under XXXX. This is a violation of the FCRA. Recent changes to the FCRA ( Sec 621 ( a ) ( 2 ) ) have increased penalties for violations for failure of " duty to correct ''. 


XXXX client, XXXX XXXX is a victim of identity theft. She was notified that her information was used to obtain a cash advance loan with Check Into Cash on or around XX/XX/XXXX for an amount of {$850.00} dollars. An official dispute of this was provided to Check Into Cash XX/XX/XXXX ; however a credit report obtained XX/XX/XXXX still listed the Check Into Cash inquiry under XXXX and as of this date Check Into Cash has failed to reply as to the status of the dispute, this is a violation of FCRA and my client 's consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent " Equifax '' several certified letters 120 and 90 days ago disputing the late payments they're reporting is inaccurate and needs to be corrected as I never been late on any of my accounts. Equifax never responded or corrected the problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX   XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX   XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX  XXXX XXXX  XXXX  XXXX/XXXX   XXXX/XXXX  XXXX  XXXX/XXXX  XXXX  XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate items on my credit report. These negative items are erroneous, and I request that they be thoroughly investigated and removed from my report. It is imperative that these errors be corrected to reflect accurate and positive information. 

Please treat this matter with urgency, and take immediate corrective action. If I do not receive a timely and satisfactory response, I will have no choice but to pursue legal action due to the significant harm these inaccuracies have caused in my life. 

Attached, you will find the necessary documentation, including dispute letters, identification, and other relevant information for your review.
Product: Debt collection

Several years ago we got into a hardship when my husband became ill and had to be off of work for several months. I had a XXXX XXXX credit account that I had opened in XXXX. After awhile, I was getting behind on my payments during this time, so I contacted XXXX XXXX and did a settlement arrangement with them. I paid that off, but for some reason, XXXX XXXX  reported to a collection called Portfolio. saying I owe {$690.00}. I have tried numerous times to contact trying to dispute this, but in their response they are claiming this is correct when I know it is not. My only problem is, it being several years ago, I can not find my proof. I do not want to pay again after I have settled with XXXX. It is not right to not want to work with me on this matter, I have already told Portfolio, I will not pay this. They are wrong. I have tried several times to get this disputed. It has been put on my credit file as a charge off of {$690.00} by XXXX / XXXX but I never get mail from this company. They refuse to let it go off of my credit report when I contact.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal and correction of several inaccurate and unauthorized entries on my credit report, which are causing significant hardships in relation to my transportation, housing, and overall financial well-being. I have previously reported these issues to Experian and have taken steps to resolve them directly with the respective companies. Despite providing supporting documentation and clear evidence, my concerns remain unaddressed. 

I am also aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for accepting unreliable information and failing to notify consumers of updates in a timely and accurate manner. This legal action directly mirrors my own concerns regarding the safety and accuracy of my credit profile and personal data. These unresolved discrepancies are causing a negative impact on my ability to secure credit and other financial services. 

Specifically, the following accounts require urgent attention and resolution : XXXX XXXX ( Account No. XXXX ) This account is not associated with me, and I have provided concrete proof to this effect, which was acknowledged by the company itself. Despite this, Experian has continued to report this debt. I request the immediate removal of this account from my credit report. 
XXXX XXXX XXXX ( Account XXXX. XXXX ) This account is inaccurate and should not be reported. During the pandemic, I returned a vehicle to the leasing company ( XXXX ) due to transmission issues. The vehicle was a " lemon '' under the law, and I provided documentation to XXXX XXXX, which agreed to close the account with a XXXX balance. However, Experian continues to report this account as open and active, in violation of my consumer rights. I request that this account be removed or corrected immediately. 
Account No. XXXX This account does not belong to me, and Experian has failed to properly verify the debt in accordance with credit reporting regulations. Despite my attempts to have this error corrected, the account remains on my report. I request an immediate investigation and removal of this account. 
These inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they are also causing severe hardship in my daily life, as I am unable to access credit and other essential services due to these unresolved issues. 

I urge you to act promptly and ensure that these derogatory marks are either removed or corrected in accordance with the law. Please provide me with written confirmation that these issues have been resolved and that my credit report accurately reflects my true financial obligations. 

Thank you for your attention to this matter. I expect a timely resolution, and should this issue remain unresolved, I will not hesitate to pursue further legal action to protect my rights.
Product: Credit card

XX/XX/XXXX, I attempted to use my credit card and was denied. I called up Compass Bank and was told there was a hold on the card as there was fraudulent activity on it. Since then, over 3 months later, the charges and accruing interest have not been removed despite phone calls and repeated visits to the bank. 
The excuse used is that I have to dispute the charges, despite Compass knowing they are fraudulent as they told me about the dubious charges in the first place. I have requested numerous times a hard copy of their dispute form and so has my banker, all to no avail. 
What is particularly galling in all this is that Compass Bank is well aware that these charges are fraudulent and yet refuse to remove them from my credit card. 
Only one banker has bothered attempting to help me, the rest of Compass Bank customer service has been abysmal bordering on contemptuous.
Product: Debt collection

I contacted IQ Data International regarding an outstanding debt that appeared on my Credit Report. IQ Data International informed me that they would reduce the total balance due to {$3500.00}, accept payment of {$1700.00} today ( XXXX ) and send me a letter/receipt showing that my outstanding balance would be {$1700.00}, due by XX/XX/XXXX. After I made payment of {$1700.00}, IQ Data International sent me a letter ( via email ) saying that I owed {$3500.00} due byXX/XX/XXXX. I contacted IQ Data International and asked for a " receipt '' for the {$1700.00} that I paid, including a remaining balance-due notice. IQ Data International refused to send me a written-receipt of payment and remaining balance due. When I reminded them that that was a violation of our agreement and illegal, IQ Data International said that I was committing fraud if I did not pay them. Regardless, I ordered a stop-payment from my bank and notified them of this illegal behavior. IQ Data International representatives were very hostile and made no attempt to honor our agreement or the law when they refused to provide a receipt of payment.
Product: Vehicle loan or lease

CFPB has looked into this before, a previous complaint filed. After CFPB contacted Exeter Finance, things were Ok for 3 months. But now the same thing is happening. If I try to pay early- the payment does not reflect as such, and delays invariably take place. It is almost as if they want to just charge late fees. 

By the way- the late fees compound daily. Which I think is unfair and illegal. 

Please help me get straight with Exeter so this nonsense stops.
Product: Debt collection

Not only do I dispute this debt, but the debt collector, LVNV Funding, and their attorney, XXXX XXXX, with XXXX & XXXX in XXXX, AZ apparently obtained a judgment against me without my knowledge and without verifying the debt, and then proceeded to locate an individual with a similar name, contact her employer, garnish her wages, and in the process provide her with enough information about me ( including my name, SSN, supposed debt amount and creditor, etc.. ) to track me down and harass me via social media, blaming me for the supposedly mistaken garnishment. 

Since the garnishment was squashed by the court, the debt collector has sent yet another a letter outlining specifics about both me and the debt to another unrelated third party and has increased the total supposedly owed. 

It is unacceptable given a. ) it's not my debt, b. ) they didn't contact me before obtaining a judgment ( or contacted the wrong person ), c. ) they released very personal, identifying information about me and my supposed debt to a stranger who proceeded to harass me, not once but twice, and d. ) they have not stopped their efforts.
Product: Debt collection

I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system. 

I received a text message from XXXX XXXX on XX/XX/2023, and on XX/XX/2023 about collecting the debt. 

When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity. 

I sent a letter to XXXX and XXXX XXXX. I will also be filing a complaint with the XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been incorrectly attributed to me without my awareness or authorization, causing considerable XXXX. As a victim of identity theft, I have already reported this incident. This situation urgently requires attention, as it has negatively affected my financial standing and personal reputation. I request your assistance in swiftly removing all fraudulent information from my credit report and conducting a comprehensive investigation. I stand ready to provide any necessary evidence and, if needed, pursue legal action to defend my rights and seek appropriate redress. Your immediate attention to this critical matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Us15 title 1666b According to the United States Code, Title 15, Section 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. I would really appreciate it, if I could get all my so call late payments remove from all three agencies. XXXX XXXX, and transition. 
I would like to thank you and advance for resolving this matter. 
XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry from XXXX in XX/XX/2019 which I never applied. 

XXXX claimed it was a XXXX XXXX error. My account never existed
Product: Credit card

I opened a credit card through synchrony and LensCrafters about two years ago. Planned to use the card annually for my prescription eyewear. I used the card in XX/XX/XXXX and XX/XX/XXXX and paid both balances off, never missed a payment and paid more than the minimum due each month. I went to check my account yesterday and saw it was closed. They never even informed me of the closures. Contacted synchrony today and they told me they emailed me back in XXXX, I have many emails from synchrony but nothing stating my account was closed. They did not give me a good reason and the first person I chatted with tried to tell Me it was them decision of the credit bureaus to close my account and if I wanted to find out why I should call them. This is horrible tactics and upon researching they do this all the time to consumers. XXXX alone is full of complaints as is social media sites. This company should be barred from being able to be a creditor.
Product: Money transfer, virtual currency, or money service

I paid for concert tickets online using Zelle and then they blocked me and didnt send me the tickets. I tried to dispute with XXXX, Zelle, and my bank.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from experian say they have completed and investigation on XX/XX/18 and i still have inaccurate information reported on my experian report.I have attached a certified copy of my ucc11 information request which shows i have no lien placed against my name with the companies they claim they validated. This is a violation of the Fair Debt Collection Practice Act. I have also attached a re investigation letter for their review.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my account from XX/XX/year> to XX/XX/year>. These payments were inaccurately reported as late due to circumstances directly related to the CARES Act, specifically in regard to financial hardship I faced due to job loss during the XXXX pandemic.They are hurting my credit restricting me to obtain credit. Under the CARES Act, financial institutions are required to offer assistance for those affected by XXXX hardships, including job loss. As I was directly impacted, I requested payment relief and was under the assumption that my account would be protected from negative reporting during this period. Despite these conditions, late payments have been reported to the credit bureaus for the above-mentioned months. I kindly request that you investigate this matter and correct the reported late payments. Please take the necessary steps to ensure my credit report accurately reflects the agreed-upon payment deferral.I expect confirmation of the removal or correction of these late payments within 30 days, as is my right under the Fair Credit Reporting Act ( FCRA ). I also request written confirmation that this correction has been made. 
Thank you for your prompt attention to this matter. If further information is required, please do not hesitate to contact me.