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

In XXXX, I discovered that I was a victim of Identity fraud and took all the steps to solve the issue. I had XXXX negative account on my three credit reports, and the account is from XXXX partial act # XXXX. I contacted them and told them I had no idea about this account. Also, I sent letters to all the credit report agencies. The item got deleted from my credit report from the three agencies. Still, suddenly now, after Experian deleted it from my credit report, they sent me a new credit repport, including again the negative account. I know my rights, and after 30 days, if they do not answer, they have to delete it, and they did, but they got it back again. Only Experian did this. They cant delete something and put it back again. Please help me because I Wrote letters and letters to Experian and nothing. 

Thank You
Product: Credit reporting or other personal consumer reports

There was a breach and my information was stolen and my credit has been hacked. Someone is using my information and XXXX has also added things to my credit as well. My identity was stolen when I was XXXX. I filed a police report in 2001 in XXXX. I have been fighting ever since to get things off that been added on that not mines and nothing is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit company has me with one open account for {$19000.00} for child support Enforcement and XXXX but no account numbers to go with them i do not want false information on my credit report in no way it violates my constitutional rights.. 

XXXX credit report company is putting accounts on my credit report with out my written permission which violates my constitutional rights. they have XXXX  account # XXXX date opened XX/XX/XXXX, XXXX Account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX,.,,, balance at {$19000.00} ... XXXX XXXX account # XXXX placed for collection XX/XX/XXXX {$1400.00},,, ,XXXX  XXXX account # XXXX date opened XX/XX/XXXX balance {$310.00} now they are violating my rights that i have in the next paragraph ... .i would like this false information off of my credit report right away, they can not produce a copy of my written permission..and it violates my prvacy..and the information is false ..... 


15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

it also states a consumer reporting agency can not furnish a account with out my written instructions. 



15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a 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 XXXX, and I am submitting this complaint myself without the involvement of any third party. Attached is a detailed letter outlining the unauthorized inquiries being reported on my credit report. 

The accounts listed in the attachment are all unauthorized inquiries. I have never had any transactions with the entities associated with these inquiries, and none of them have been verified.
Product: Credit reporting or other personal consumer reports

I've recently a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life.
Product: Credit reporting or other personal consumer reports

My divorce decree shows the judge ruled Im not responsible for the house and eqifax or XXXX XXXX isnt removing the account keeping me from the ability to get a new XXXX XXXX
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. Delete : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to paid as agreed, paid on time, never late. THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO ON TIME, NEVER LATE, PAID AS AGREED OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to equifax disputing accounts that does not belong to me that have not did anything about it I sent letters in XXXX of 2022 as well as XX/XX/2022 and XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report due to a data breach incident. Under the protections provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following items be blocked and deleted immediately. 
Fraudulent Accounts : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX  - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$6600.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt c

ollectors. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
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. 
XXXX XXXX XXXXXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account # : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX DPT ED/XXXX Account # : 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

I have disputed the collection account XXXX XXXX XXXX several times and this is the second attempted complaint in reference to this collection company and XXXX credit Bureau. The original credit card company XXXX account was open XX/XX/XXXX, credit limit {$300.00} and was closed charged/written off XX/XX/XXXX. XXXX XXXX is reporting this closed account as open with a past due balance of {$750.00}. Incorrect reporting/inaccurate right? Again this has affected me adversely and as a consumer I'm held to a standard of practice why is the credit bureau and collection company are allow to disregard and or not be held accountable to the FCRA compliance. When notified of the error they reply with account verified.
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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXXXXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX and 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 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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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

Ive asked the Transunion, XXXX, XXXX, and XXXX XXXX  to Verify who is the " Original Creditor '' of the " Alleged '' Debts on My Report. They have not done a proper investigation over the last 4 years of me disputing the companies. I have been denied for Buissness and personal funding. Under 15 USC 1681-1681c. 15 USC 1692j. All 4 Credit Reporting comapanies contain inaccurate alleged debts with all different information. No proper investigation, BY LAW, was never done. 15 USC 1681a- 1681r.

Thank You
Product: Credit card or prepaid card

My Citibank credit card comes with an extended warranty program, whereby they double the original product warranty. 

I filed a claim under this program XX/XX/2019, and submitted the required documentation. 

After that I made multiple calls and sent multiple follow-up emails to check on the status on the claim, and never got an estimate of the resolution date. On one occasion, mid-XXXX, I was promised a callback from an adjuster within two dates, but the call never came. 

The first communication from Citi after I filed this claim was XX/XX/XXXX, where they asked for the repair estimate, which I submitted as part of the original claim, but resubmitted it once again. I find unacceptable both the fact that they looked at my claim for the first time six weeks after the original submission, and then asked for the document already provided. 

Currently, almost three months after the original claim, I still dont know its status. I feel that Citi is knowingly dragging out this claim to essentially make their extended warranty benefit unusable, thereby failing to deliver on the benefit sold to us as part of the credit card.
Product: Debt collection

XXXX/XXXX XXXX XXXX BALANCE {$6400.00} this was a fraud account opened and disputed back XX/XX/2016 this was removed from my credit reports by XXXX as fraud and now it was added back to my credit reports. I disputed the validity of this debt and account on XX/XX/2016 as fraud
Product: Debt collection

had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " XXXX XXXX XXXX XXXX '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you
Product: Credit card

I purchased a set of mugs on the platform XXXX. The mugs arrived with defects and I requested the vendor to allow me to return the mugs for a refund. The vendor never answered back and enabled me to return the merchandise. 

Opened a dispute with Amex, which informed me that the vendor had provided info stating that they give me the option to return ( which was not true ). Amex sided with the vendor. When I tried to reopen dispute with Amex, Amex told me that the dispute was too old and because of that, they couldn't reconsider it again.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX has a collection against me in the amount of {$5400.00}. On XX/XX/XXXX I disputed this with XXXX because this account does not belong to me. I also disputed with transunion because the amount shown with them is {$5600.00}. XXXX, XXXX XXXX XXXX XXXX never provided me with a physical copy of the validation. I DID receive a letter from XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX in response to my dispute which on their letter it states I owe {$5600.00} which again the amount is invalid due to other credit bureaus showing different amounts. XXXX XXXX XXXX XXXX XXXX XXXX did not validate through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report Account information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX Account # XXXX are all inconclusive and invalid. I would like the written validation of the contract and for a response in 15 days. 

This account does not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verified Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable documentation. I demand to see verified Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit card or prepaid card

capital one na on XX/XX/2021 text me with confirming venture card will arrive XX/XX/XXXX. I had security freezes and a fraud alert on all 3 bureaus and management on phone fraud Id theft verified they were blocked retrieving from XXXX, which verified admitting the ID theft fraud freeze filed with ftc and XXXX NJ pd affirming fraud existed. They have not removed any information on cra 's such as inquires and zero investigation information they required has been processed since XX/XX/XXXX immediately calling after 4 days since their reports of inquiries. No contact has been received yet fcra in at least 3 sections according to XXXX XXXX XXXX XXXX XXXX provided to represent which is investigating practices. This was fraud and need information on cras updated
Product: Credit reporting, credit repair services, or other personal consumer reports

They the person known as Experian is willfully and deliberately reporting an account as charged off when they are fully aware that the account was paid in full back in XXXX of this year. I have asked them to correct this fraudulent and inaccurate status and they have refused to. They are also reporting XXXX different dates of last payment.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiry that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiry removed from my file as soon as possible. 

XXXX XX/XX/year>