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

hese accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, XXXX, Experian. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$7000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$11000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$9700.00} Date Opened XX/XX/XXXX XXXX  XXXX Balance {$6200.00} Date Opened XX/XX/XXXX XXXX XXXX {$5600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$4500.00} Date Opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXXXXXX XXXXInquiriesXXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

Today, I contacted bank of america " B/A '' via phone around XXXX XXXX about a {$10.00} over the limit withdrawal fee deducted onto my savings account on XXXX. I requested to be refunded the whole amount. After over 60 minutes discussion over the phone [ 30 minutes or more waited for the customer service " CR '' person to respond and look into request ], I was denied a {$10.00} refund to my personal savings account by the CR and the CR 's supervisor. In summary, I informed CR supervisor that the bank statement renewal was over 30 days late [ i.e. 34 days, should have renewed on or about XX/XX/XXXX], and that it is B/A fault, not mine. I informed the CR that B/A engages in unfair business practices, deceptive, and fraudulent ; and third party government complaints will be initiated to about two to three government agencies that will investigate into this. I informed B/A that other consumers/customers could be affected by these deceptive and fraudulent business practices, and that B/A is gaining revenue profit from this scheme. I informed the CR that B/A intentionally fails to inform the consumer/customer the amount of transfers taken during the activity of the account compared to informing the consumer/customer after five to six transfers have taken place during the 30 days of bank activity before the B/A statement renews [ i.e. 30 days ].
Product: Debt collection

MRS BPO sent me a letter in the US Postal mail saying that XXXX XXXX had transferred debt to MRS BPO for collection for {$1000.00}. I do not owe XXXX any money and there are no transactions during this time period with XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Attached you will find information I've identified on my credit report that needs to be deleted from my records immediately.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Debt collection

I received a letter from XXXX attempting to collect a debt. I replied with a letter on XXXX XXXX with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the bbb regarding this matter. I also stated in that complaint that I wanted XXXX to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that XXXX did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, United Student Aid Funds, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX just because he says so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX-discharged XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX  XXXX, XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my identity theft case previously and placed fraud alerts on my credit file. Two new inquiries have appeared without my knowledge or authorization. A collection account previously removed as " XXXX '' with " XXXX '' was resold and resurfaced on my credit report under a different collection agency ( XXXX ).
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed Equifax consumer credit report, there are several XXXX XXXX inaccurate, unverified and invalid accounts listed : These include account numbers XXXX, XXXX & XXXX. Please find attached proof that these accounts are currently in dispute with XXXX XXXX via mail and fax. XXXX XXXX is yet to respond with a confirmation of the debt. Having understood that Equifax is in violation of XXXX XXXX. XXXX ( i ) XXXX ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, Both together and seperately, my consumer and privacy rights are being violated. the aforementioned invalid, inaccurate and unverified accounts are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Debt collection

LVNV IS A DEBT BUYER THAT HAS DAMAGED MY CREDIT WORTHINESS THROUGH IMPERMISSIBLE PULLS BASED ON THE ASSUMPTION THAT THEY ARE CREDITORS AND ARE NOT. IN VIOLATION OF THE FCRA AND FDCPA THEY ARE USING FRAUDS AND SWINDLES THROUGH IDENTITY THEFT AND CONSUMER FRAUD TO ENRICH THEMSELVES UNJUSTLY AT MY EXPENSE. I ASKED THEM TO SHOW THE VALIDITY OF THEIR CLAIM AND THEY HAVE REFUSED TO DO SO AND SO ARE PERSISTENT IN THEIR FRAUD.
Product: Student loan

I was just alerted to an update by way of my accountant that my entire IRS refund was taken by XXXX. It took me 3 years to find a job. I finally found a job and was able to collect income tax and they took the small amount that I was able to recoup. I am a single mother of XXXX children that went back to school at XXXX yrs old. I chose XXXX XXXX which is a XXXX school. They have no job placement. They reported my payment history while I was n't able to pay or find a job to the credit bureaus. I received this letter from XXXX solutions 3 days ago and put it aside out of apprehension. After receiving the news today of my refund, I was tempted to open this letter only to find this information. What can I do to keep these people from taking everything I finally was able to obtain and any future taxable income? They never even gave me an opportunity to get a job and pay the loan back. 

Distraughtly concerned,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My social security number is XXXX, I have disputed five items on the following credit reports : Experian, XXXX and XXXX. Two of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of XXXX, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Debt collection

This been going on for years with no resolution no proof nothingnever heard company just showed up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My car got broke in on 2022 and my identification and my social security card and other personnel docmants was stolen in the result of the break in im attaching a police report have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the following account from my credit report due to violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ). The account in question is : Account Number : XXXX Creditor : XXXX XXXX XXXX Upon reviewing the details of this account, I have identified the following violations : Failure to Validate the Debt : I requested validation of the alleged debt on XX/XX/2024, and XXXX XXXX XXXX failed to respond or provide proper validation within the 30-day statutory period, as required by the FDCPA. 

Reporting Inaccurate Information : The information being reported by Experian is inaccurate and does not reflect any legitimate debt obligation. I dispute this account and request that it be removed from my credit report immediately. 

Lack of Signed Contract : I have never signed a contract or agreement with XXXX XXXX XXXX, and no proof of such a contract has been provided. The debt collectors attempt to collect this debt and report it to credit agencies without such proof violates my consumer rights. 

Due to these violations, I am requesting the immediate removal of this account from my credit report and cessation of all collection activities related to this matter. Continuing to report or attempt to collect on this debt without validation or accurate reporting is in violation of federal law. 

I trust that you will take the necessary steps to investigate and resolve this matter promptly. Please confirm in writing that this account has been deleted from my credit report. 

Thank you for your attention to this urgent matter. If this issue is not resolved promptly, I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. 

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

Experian is violating my federally protected rights. 
Experian was required by law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device pursuant to 15 USC1681a ( b ) ( 2 ) they failed to do so by furnishing the following account : XXXX XXXXXXXX XXXX XXXX. 
They were also required by law to get my written consent before furnishing my consumer report pursuant to 15 USC 1681b, they failed to get my written consent, they are civilly liable to me pursuant to 15 USC 1681n, this is my relief : STATUTORY DAMAGES {$2000.00} ACTUAL DAMAGES {$10000.00} Totaling {$12000.00} for monetary relief. 
THEY WERE TO REPORT ACCURATE INFORMATION THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME NOR HAVE I GAVE THESE COMPANIES THE AUTHORITY TO ACCESS MY CONSUMER REPORT. OMIT THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MXXXX  XXXX DUE TO THERE FAILURE TO COMPLY WITH FEDERAL LAW THEY HAVE CAUSE ME TOTAL DISTRESS AND MULTIPLE DENIALS.
Product: Credit reporting or other personal consumer reports

This complaint is being filed to request that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that has been the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and inaccurate information consists of and account with XXXXXXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX with an amount of {$2500.00} ; and collections accounts with XXXX XXXX XXXX, Account # XXXX opened on XX/XX/XXXX with an amount of {$5300.00} ; XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with an amount of {$3100.00} ; and XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with an amount of {$6200.00}. These accounts have resulted in several fraudulent inquiries, collections, and an account appearing on my consumer credit report. I've attached a copy the consumer report maintained by you which shows the above mentioned items which were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act. XXXX XXXXXXXX account # XXXX has violated my rights. 

15u.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
Product: Vehicle loan or lease

I had a car loan from Ally Bank from XX/XX/XXXX through approximately XX/XX/XXXX before I did a voluntary repossession for health reasons. 

I believe the interest was not computed accurately. My account has since been referred to a debt collector, XXXX XXXX XXXX who wants {$4200.00}. I am unclear on how the deficiency balance was computed because I never received any confirmation from Ally Bank about the process after I turned the car in. 

I request full transparency because this is negatively affecting my credit.
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/XXXX. Was out of work for Covid 19. Fall behind and I did pay the monthly off in XXXX when I went back to work So they reported it as late on my credit report I ask the credit bureau to remove and they said no And XX/XX/XXXX I had death in my family was out of town for 2 months left my credit card at home my sister died and left a XXXX  son and trying to get a house so he can move I. With me but these late payments are hurting me I been deny a lot of things because of these late payments
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.

has violated my rights. Or a list of inquiries : 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 cons
umer 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

I have been asking the credit bureaus to fix my credit report for over 6 months now. They have my birthdate wrong and accounts on my file that are not mine. All of the bureaus have been notified and still nothing. They WILL NOT CHANGE MY BDATE.
Also they are showing 2 accounts from national credit adjusters that are not mine and a bankruptcy on experian. I have had a issue with id theft and these are just not my accounts
Product: Credit reporting or other personal consumer reports

XX/XX/year> To Whom It May Concern : I am writing to dispute obtained personal information appearing on my credit report maintained by your bureau. I have reviewed my credit report and found there are several inaccurate data points within my personal identification which you are reporting. 

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : My only name is : XXXX XXXX *Please delete any other name/s you are reporting that does not match. 

My only address is : XXXX XXXX XXXX XXXX XXXX, In XXXX *Please delete the following addresses you are reporting that does not match nor belong to me : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Ga XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ga XXXX *I do not wish for my telephone number to be listed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are documents that verify my correct personal information, including supporting documentation. 

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 reinvestigation within XXXX  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 this updated report. I would also like to request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months. 

Please correct this information as soon as possible and send me an updated copy of my report to the above address. 

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

I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from XXXX  and XXXX ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from Equifax, and nothing from XXXX or XXXX  since the first. I have included the letters I've sent as proof.