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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 

Account : XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

lets start its about identity theft, on XX/XX/2020 got letter about credit increase, from paypal which is a Synchrony bank credit card. So called them saying not mine, and week or so later saying im liable for it account ending in XXXXThis has happened three time, called them every time same thing different accounts. The seconded end in XXXX and third end in XXXXNow with over {$18000.00} in dept and in collection. Synchrony bank said it was a digital account so I never got statement in the mail, until the end when money was do .I also contacted the credit bureau , but nothing. Have gotten many letters from bank and dept collectors .I think Synchrony bank changed account number to protect them selfs .I wished I contacted you sooner. What should I do?
Product: Prepaid card

I disputed a transaction in XXXX and it's still under investigation I call once sometimes twice a week and get no real clear response. Some people answer and be completely rude and hang up and others act as if they can't hear me. I'm tired of this company and will never use them again. It's now XX/XX/2023 I've been waiting for a month.
Product: Money transfer, virtual currency, or money service

My money was being taken, apps just taking money off my account XXXX my money was hacked XXXX sending money from my account to people I doesnt even know I have contact cash app about people stealing my money sending to other people taking my money other XXXX parties account they always denied my request my money be taken and I could never get it back
Product: Credit reporting or other personal consumer reports

*Subject : ** Request for Removal and Blocking of Fraudulent Accounts Dear XXXX, I am writing to formally dispute several accounts listed on my credit report that I have identified as fraudulent. These accounts were opened without my knowledge or consent and are a result of identity theft. 

As required under the **Fair Credit Reporting Act ( FCRA ), Section 605B**, I am requesting that these fraudulent accounts be removed from my credit report and permanently blocked within XXXX XXXX XXXX of receiving this letter, as stipulated by federal law. 

To support my claim, I have enclosed the following documents : 1. A copy of my **Federal Trade Commission ( FTC ) Identity Theft Report**.

2. A copy of the **police report** I filed regarding the identity theft.

3. A copy of my **government-issued ID** to verify my identity. 

The specific fraudulent accounts I am disputing are : [ List the accounts, including creditor names, account numbers, and amounts, if available. ] XXXX XXXX XXXXccount number XXXX XXXX XXXX XXXX XXXX -- Account number XXXX Original creditor : XXXX XXXX XXXXXXXX As outlined in Section 605B ( c ) ( 2 ) of the FCRA, you are required to block the information related to these accounts from appearing on my credit report. Please confirm in writing that these accounts have been removed and blocked, or provide a detailed explanation if further action is needed on my part. 

If you require additional information to process this request, please contact me immediately at XXXX. 

Thank you for your prompt attention to this matter. I trust that you will comply with the FCRA and ensure that these fraudulent accounts are removed and blocked as required by law. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and 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. I filed 4 reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC Reference numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : 1. A personal unsecured line of credit opened at XXXX XXXX under the account XXXX on XX/XX/XXXX for {$38.00} and another account from XXXX XXXX with account XXXX on XX/XX/XXXX for {$62.00}. As well as a XXXX account from XXXX XXXX under the account XXXX  on XX/XX/XXXX. XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} XXXX. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} XXXX. XXXX student loan accounts opened at DEPT OF ED/XXXX on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. XXXX. A auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX for {$11000.00} XXXX. A loan or credit card opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$1300.00} XXXX. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the XXXX 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 or other personal consumer reports

This is the numerous time I've mentioned being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my 3 Bureau credit report XX/XX/XXXX. After Reviewing my reports. I noticed there was an account that had a 30 DAY late payment. 
XXXX XXXX XXXX XX/XX/XXXX As a consumer I have rights that should be abided by. To my knowledge I am subject to an investigation about this instance on my report. I understand, By Law you are required to report accurate and verifiable information but you are not respecting my consumer rights. I am requesting there be an investigation.

BELOW ARE THE LAWS THAT ARE BEING VIOLATED : Under the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I understand that these are supposed to be reported but if things such as late payments are being reported it goes against the definition of a consumer report ( as I state above ) which makes it inaccurate and unreliable. BY law its not considered a consumer report because it isn't Fair and accurate information.

Late payments are considered a transaction, the law clearly states Reports containing information solely as to transactions and experiences between the consumer and the person making the report. 30 Day Late Payments are considered Transactions. Therefore, this 30 day late payment should be investigated and Reversed to read ok.

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not grant permission for anyone to furnish such things on my report. Unless it is written consent by the consumer ( me ) these types of report information should not be reported. 

XXXX XXXX XXXX XX/XX/XXXX Failure to comply satisfactorily with the reversal of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I am prepared to take any necessary legal actions if demands are not met. Reverse the late payments for XXXX XXXX XXXX XX/XX/XXXX
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 XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX I look at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalif, after any reinvestegation under paragraph ( 1 ) of any information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX XXXX and Experian that XXXX XXXX incorrectly reported a missed auto loan payment on XX/XX/XXXX. This is incorrect as I traded the car in on XX/XX/XXXX and included documents proving the loan/car was no longer my personal responsibility after XXXX, XXXX, XXXX.
Product: Debt collection

LVNV FUNDING LLC purchased a charged off account from XXXX in the amount of {$7200.00}. REPORTED XX/XX/XXXX. No forward flow agreement or purchase agreement was given upon request to validate and identify this debt. I certify mailed my request, and was not sent all that I requested. I was emailed XXXX times requesting to pay this unverified debt from XX/XX/XXXX - XX/XX/XXXX.
Product: Debt collection

National business factors took over my medical bill originally from XXXX XXXX XXXX XXXX. I was not being charged interest by XXXX XXXX XXXX XXXX, but now that national business factors has the medical account, and they are charging interest with out my knowledge until a statement 9 months after they took possession of my account. It is to this day the only statement I have ever received and it shows no payments or credits that have been made on this account. So it was false anyway!
Product: Credit reporting or other personal consumer reports

Summary** : XXXX XXXX reported a XXXX late payment on account [ Account Number : XXXX ] after the account was closed. A formal dispute was submitted on XX/XX/year>, but no validation or explanation has been provided. 

Attached is a copy of the debt validation letter, copy of my DL, Credit Report, SS Card, Insurance Card for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO XXXX, EQUIFAX AND XXXX AND the scope of the dispute outlined on a CDV WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX/MODE Account # XXXX PO BOX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX XXXX Account # XXXX PO BOX XXXX XXXX XXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

Statewide Credit Service Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 
Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$270.00} dollars on : XX/XX/XXXX. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement.

Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 4 ) that I still owe {$270.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 5. the above named company was not the initial company who I allegedley did business with ; 6. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate  information states that I did busienss with XXXX. And not Statewide Credit Service.

6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;
Product: Debt collection

I receive telephone calls from Portfolio Recovery Harassing me about an account XXXX I have never done business with them. They Claim XXXX XXXX Bank was the seller when was this and for how much? They state that I owe them {$1600.00}. 
This is false XXXX XXXX was more than 8 years ago for less than {$200.00} while I was sick. XXXX had been up for many many years and these people continue to damage my credit. 
They should be fined for harassment calling, false reporting, harassment.
Product: Credit reporting or other personal consumer reports

Ive tried disputing addresses on my experian credit report for years and every time they say it is updated and accurate when its not
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XX/XX/year>, I paid my XXXX XXXX, balance in full. XXXX XXXX sent me a letter regarding my payment and my account status being up to date, and they would be reported as such. 
XXXX XXXX failed to update my accounts status to the credit bureaus and they are reporting the payment history still incorrectly. 

I have disputed the accounts. I have reached out to XXXX XXXX via phone to dispute and request a 1099c account. They referred me to a collection account.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and, I am writing to formally dispute the inaccurate information being reported on my credit file regarding account XXXX XXXX. After reviewing the information provided by each of your bureaus, I have identified several inconsistencies and inaccuracies that are negatively aecting my credit report. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Fair Debt Collection Practices Act ( FDCPA ), and I am requesting immediate action to correct these errors. Without my written consent to furnish my information is a form of identity theft and fraud, according to 15 U.S CODE 1681 this account needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX CARD XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15USC 1681Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Payday loan, title loan, or personal loan

Credit Acceptance is refusing to provide me with the title to a car in which the debt is covered. According to Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq ) companies such as Credit Acceptance is participating in unfair debt collection practices. The Dodd-Frank Act granted rulemaking authority under the FDCPA to the consumer Financial Protection Bureau and , with respect to entities under its jurisdiction, granted authority to the CFBP to supervise for and enforce compliance with the FDCPA.
Product: Credit reporting

I have contacted Equifax several times regarding my personal information. I have asked several representatives to update my mailing address as well as my name on my report. I went through the report and they assured me my information would be updated. Even I received my new credit report, the names and addresses I asked to be removed were still showing.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent letters requesting information to be deleted because it's not reporting 100 % accurate and complete by the FCRA law, per 15 USC 1681e ( b ) and the CRAs haven't deleted them from my credit report. also some outdated items as well.I attached a copy below for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I wrote a letter to XXXX, XXXX, and Experian asking them to delete all inaccurate personal information from my credit report I mailed in supporting documents such as current drivers license, birth certificate, social security card, current utility bill, ect. and they still failed to update my personal information. again on XX/XX/XXXX I sent a second letter to all three credit bureaus with supporting documents and again on XX/XX/XXXX a third letter with little to know result. Some information was updated and removed with XXXX, and XXXX, but nothing changed with Experian, and Experian has been the most difficult to work with. I even sent in a police report where my wallet was stolen that had my current drivers license, and social security card in it. 

I have continued to send letters with little to no results : XXXX letter sent XX/XX/XXXX letter sent There was a collection from XXXX that showed up on my credit report at the end off XXXX or the begging of XXXX I tried to dispute that, but that came back as verified. I have requested a debt validation letter from all three credit bureaus, and I have not received anything. I have not received anything in the mail from XXXX and I truly believe that this collection does not belong to me. 

After my wallet was stolen I started seeing hard inquiries appear on my credit report I don't know what else to do, but the information that they refuse to update or delete is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX and XXXX  ACCT # 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this complain to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous items which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance XXXX {$730.00} XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$7600.00}