23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in 2017 and several accounts through Comenity Bank were opened in my name. It appears these debts were sold to a third party called XXXX XXXX. I submitted a notarized fraud claim and disputed this with all three credit bureaus and the debt buyer removed all of the accounts from my credit report. In addition, all of these accounts were opened within 30 days of each other which further points to identity theft. 



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 have requested proof of this account being mine. XXXX responded with account verified. They have never sent me the requested proof of an account with United Consumer Final S and me. Please remove this from my report
Product: Debt collection

I actually do n't know whats going on seens i have XXXX i have accesses of my credit info, my credit went down from excellent to good because of this creditor called CFM GROUP XXXX, GA XXXX I do n't recall if i have got any phone calls or latter from them and i do not recall if i own anybody any kind of money.
Product: Credit reporting

Initially, I disputed an item on the Early Warning report after which I received an updated copy. Upon reviewing the report, I noticed that every payment to my creditors whether ACH, checks and Debit Card payments are in this report since 2013. I do understand reporting an account is Overdrawn and resulted the closure of the account, Bank closed the account and credit score for the account but not all my transactions. I called XXXX XXXX XXXX to find out why they would report all the transaction history on the account, I was told they did not provide the information to Early Warning. Next, I called Early Warrning to ask them why we 're providing all transaction history to other people inquirying without my permission. They told the only items that will reflect on the report were payments processed twice. I explained to her the transactions on my report are payments successful the first time. In addition, I asked them to remove all the transactions and leave the statuses on the accounts. My report also includes purged accounts, pending close accounts dated as far back as 2013, and accounts that should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to inform all parties that in the last thirty ( 30 ) days I explained in my letter to that, you, as a Federal Reporting Agency has not complied followed FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, Equifax, XXXX, and the company itself, but no one has responded. On XXXX XXXX, 2022, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy items from my credit report.
Product: Credit card

A credit card was opened without my consent or knowledge and I just found out about it through a collection agency.
Product: Credit reporting

Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Experian is reporting. I have informed Experian that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Venmo quite frequently. My email linked to my Venmo is XXXX XXXX
Product: Mortgage

I had my mortgage with XXXX XXXX XXXX XXXX XXXX and they sold my loan to Fay Servicing LLC, back in XX/XX/2021. On XX/XX/2021, I requested a payoff from XXXX XXXX XXXX attorney XXXX XXXX XXXX XXXX ( because I am in an active chapter XXXX bankruptcy and the payoff comes from them ). 
On XX/XX/XXXX I receive an email from XXXX XXXX XXXX XXXX stating to contact XXXX XXXX XXXX because there is no open file for my property address. 
I contacted XXXX XXXX and I was told a letter was sent to my bankruptcy lawyer about the sale my lawyer states they never receive any letter from XXXX XXXX Loans or Fay Servicing LLC. 
Now Fay Servicing who is my new mortgage company said they can not talk to me and that my bankruptcy lawyer has to send them a letter of authorization to give me any information on my loan. Fay Servicing refuse to give me a Supervisor. 
I need to get a payoff and insurance information from Fay Servicing LLC and I am not getting anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XXXX XXXX : {$470.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$760.00} XXXX - XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$470.00XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX  XXXX : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Experian XXXX to keep my credit updated. 
Within in 24 hours my credit report has wrong information on it I try to call them about the matter, but the 2nd time they would not take my call This company mislead me to think they could help with my credit They have managed to make matters worst. 
Account were not updated XX/XX/XXXX, for XXXX XXXX XXXXXXXX Payments on other accounts not updated My phone number on my personal account was wrong, which they are using my phone number XXXX XXXX XXXX to contact me I never used this phone number and the information on the accounts are wrong They put a new credit card on my file which I told them to cancel XXXX XXXX XXXX the last time this account was update was XX/XX/XXXX In good standing Date opened XX/XX/XXXX Balance - Status Open/Never late. 
XXXX  XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$6400.00} Status Open/Never late. 
XXXX  XXXX In good standing Date opened XX/XX/XXXX XXXX {$2700.00} Status Open/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX XXXX {$4000.00} wrong Status Open/Never late. 
XXXX XXXX  In good standing Date opened XX/XX/XXXX XXXX XXXX XXXX Status Open/Never late. 
XXXX In good standing Date opened XX/XX/XXXX XXXX {$0.00} Status Open/Never late. 
XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccuracies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the three credit bureaus to validate these accounts. Failing to validate this reporting account within the legally stipulated timeframe without presenting any evidence is not permissible. The following accounts require investigation and correction for inaccurate reporting on my credit file, as they are listed in my credit report : XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX : {$430.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX : {$430.00} XXXX XXXXXXXX XXXX Balance : {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint to Transunion # XXXX I submitted complete and accurate Identity Theft reports with fraudulent inquiries listed. Transunion applied a fraud alert on my credit report but did not remove the fraudulent inquiries from my credit report so that my credit file can report accurate information. If someone used my identity to attempt to gain credit then how could you possibly verify it with the creditor? They would have to produce my wet signature. I list several inquiries so what company needed authorization? It was never clear. I took the liberty of contacting these companies with the fraudulent inquiries listed and they all had no knowledge of Transunion or any other credit bureau contacting them. I keep getting automated responses. These fraudulent inquiries are damaging my credit file. It's your obligation to report complete and accurate information.
Product: Mortgage

Dear Sir or Madam, This is second time submitting this complaint ; first time was in XX/XX/2023 ( see the attached ). 

I was having financial difficulties in making the monthly payments at then my house XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). So I had contacted Wells Fargo for the loan modification, and they asked me to write a hardship letter ( see attached documents ). I had contacted them multiple times and finally they granted me the loan modification over the phone. They instructed me to make bigger payments during the next 3 or 4 months which I did. After the extra payments were made they did not modify the loan. After repeated calling and speaking with them, they stalled and said the paper work will be going out for the modification. But they never did. 

I ended up making extra payments because of what they promised to be the loan modification ; I was led to believe I have the loan modification and made me make extra payments. 

After that my house ended up put for for short sale ( see attached ) and I lost all of my equity in the house of over XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent funds from a family member and there was an error code XXXX claiming there was some error with the receivers information. I called into customer service after I verified with the sender the info was correct. After still having issues I called back into customer service after I was told to call back with the sender with me on the line. I was on the phone for almost twenty minutes when the rep told me something that made no sense which was that my mother had sent too much money or that I had received too much money and thats why the transaction wasnt going through after knowing that was not a factor since I had not received funds in months I asked to speak to a supervisor. The supervisor got on the phone very nasty, unprofessional and rude and wanted to demonstrate his incompetence by immediately saying he would not speak on a conference call. When I informed him we were already on a conference call with the previous agent for over 15 minutes he began to raise his voice to over talk me and say " you have 5 seconds to hang up the call or I will. '' Then the half bad english speaking " supervisor '' hung up on me and my mother. When calling back to customer service I was placed on endless holds and refused to be transferred to a supervisor. After the third attempt I finally got a supervisor who alleged he had no way of finding the name of the supervisor and that they would review the call history. I spent over an hour going back and for and on hold with western union.
Product: Credit reporting, credit repair services, or other personal consumer reports

Started receiving letters and phone calls from car dealerships about loans over the past few weeks. Initial thought was these where just scam phone calls but after we looked at my credit score there have been multiple hard inquirers on my credit and in my name over the past month. When we looked at my credit report there is also alternative names and addresses on file that don't belong to me. My credit score has also dropped due to these inquirers. We have frozen my credit on all 3 companies and now want to know what the next step is for me to make sure no loans were taken out in my name, find out how to my information got out and how to protect it going forward, and how to get my credit score back to where it was before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX 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 sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX BALANCED {$110.00} XXXX XXXX XXXX BALANCED {$520.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Checking or savings account

I tried closing my account with N26 Bank and they asked me in the Chat method for all my information AND SSN. Nobody is supposed to give their SSN around willy-nilly. Anyway, even after giving them the option to call/text me at the cellphone listed, they refused and first the chat-rep ( 'XXXX ' ) dropped off even after I gave my SSN. When I got back on again with her, she closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX Account Name : None ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX for a free consultation on my XXXX  to possibly purchased some XXXX   from this particular XXXX  located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my XXXX XXXX evaluation. A few weeks later I got their results and I was told that XXXX would not make a difference on my XXXX. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it. 
Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX  ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX  showing on my credit report as a thirty day late from that loan
Product: Credit reporting, credit repair services, or other personal consumer reports

PERSONAL STATEMENTS XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

This collection agency continues to add this collection on my credit report with all 3 agencies. The original debt was with XXXX XXXX XXXX more than 7 years and Paramount continues to add and take off of my credit report causing my credit score to lower, especially when I have worked so hard to keep credit clean. They will report to all 3 agencies, I put in a complaint, it gets removed time goes by and they add it again. 

It seems that XXXX sold my account to multiple buyers and the medical debt is more than 7 years old I want them to cease all collection efforts as this is damaging my credit and the account is more than 7 years old. On top of that I have another agency trying to collect the same debt that again is more than 7 years old.