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

I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 


Below are the details of the unauthorized accounts and inquiries I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.
Product: Debt collection

ON XX/XX/18 I RECEIVED A TOLL VIOLATION, UNAWARE AS I RECEIVED NO NOTICE FROM NJ XXXX XXXX IT ENDED UP GOING TO A COLLECTION AGENCY. I CONTACTED XXXX XXXX AND PAID THE TOLL DIRECTLY TO THEM. XXXX XXXX XXXX IS STILL ATTEMPTING TO COLLECT THE DEBT. I CAN NOT PROVIDE PROOF BECAUSE MULTIPLE VIOLATIONS WERE PAID ON THE CARD SO MY CARD STATEMENT WILL BE USLESS. I GAVE THE COLLECTION AGENCY THE TRANSACTION NUMBER AND THEY ARE STILL TRYING TO COLLECT THE DEBT. I TOLD THEM TO CONTACT THEIR CLIENT ( NJ XXXX XXXX  ) AND THEY HAVE NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from the police notifying me that I am a victim of identity theft, so I requested a credit report. Upon viewing my report, I saw addresses listed there that I never used or lived at. One of which is XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Address ID XXXX.
Product: Credit reporting or other personal consumer reports

My concern about inaccurate information appearing on my credit report is formally expressed in this letter. I am convinced that the errors in the report are a misrepresentation of my financial background and that they need to be corrected right away after a careful examination of the report 's contents.

I'm confident that you are qualified and required to look into my concerns right away under the terms of the Fair Credit Reporting Act ( FCRA ), in accordance with the FCRA. As a consumer, I have every right to make this request, especially given that the disputed information significantly affects my credit score.

Furthermore, it's crucial to understand that this procedure is not just a request but rather a requirement of the FCRA. Section 611 ( 15 U. S. C. ) mandates credit reporting agencies. S. C. 1681i ) to carry out an investigation into disputed items within 30 days of receiving a dispute letter. The announcement made today serves as that notice and sets the timer for this contractually required deadline.

I look forward to having full cooperation from you and a careful analysis of the pointed out problems. I have no doubt that once you look into this matter, you'll find that the disputed details don't match up with my actual credit history. I trust you to report things accurately, and I hope this issue can be resolved quickly.

Now that the investigation is underway, I would appreciate regular updates. To ensure that the information reported is entirely accurate, it is in both of our interests. FTC regulations state that upholding this level of accuracy is essential for fostering ethical behavior and defending consumer rights.

Finally, I have no doubt that you will adhere to the FCRA 's rules and the fairness that the Act encourages. I appreciate your commitment to a swift and complete resolution of this matter. We appreciate all that you do to guarantee the accuracy of consumer credit information.
Product: Debt collection

I was told by Original Creditor - SYNCB/Amazon that XXXX XXXX XXXX ( XXXX ) is the servicer of this old charged off Amazon store card account. They provided me with this phone # XXXX to contact to pay this account in an effort to have it removed from my credit report. However, this company has never contacted me, nor sent me anything with regard to this to dispute it nor anything else and when I call - which I have done NUMEROUS times they have a recorded message that will have you wait on hold for a moment then will say they are not able to take your call and to call back or leave a message. I have tried emailing them and faxing them to no avail. I CAN NOT get ahold of this company in any form or fashion and we are purchasing a home and must get this account Paid/Settled. Can you please look into this matter and contact me back regarding this matter. I can be reached via email at XXXXXXXXXXXX or via phone at XXXX or via mail at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. 

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

I contacted Transunion via telephone XX/XX/XXXX. XXXX, after XXXX XXXX notified me of a negative collection on my account. I also received a statement from XXXX  aka XXXX XXXX XXXX XXXX late XXXX in which I responded by US mail stating I did not owe this debt and show me your proof. I still have not received a response from XXXX  When I spoke with customer service at Transunion, I was told it this negative collection by XXXX  was removed and put back on my credit file at at the request of XXXX Company. At that point, I asked to speak with a supervisor. A supervisor named XXXX took my call. Told me it was not up to them to verify information. I told him that was incorrect. There job is to verify consumer information. Told him I mailed Transunion a package with all my receipts and pertinent information that validates my claim. I gave him the USPS tracking number and he said they never received it and continued to tell me to work it out with XXXX  Company. This supervisor with Transunion had a strong foreign accent as did the first Transunion employee who assisted me and it appeared to me this people were from another country handling the calls and had no experience and gave me wrong information. They are supposed to verify all information from me and the collector which they did not do. 

XXXX supervisor with Transunion told me I must have sent my package to wrong address. It was mailed with tracking to their XXXX. XXXX XXXX - XXXX, PA, which I verified with him. Still he said they never received it. I am at wits end for this has affected my credit file. XXXX  will not place this collection on my credit file because they could not verify XXXX XXXX 's collection on me. My credit score with XXXX  is excellent but Transunion continues to defy my requests to get documentation from XXXX  company concerning this so called debt they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I tried to contact Barclays Bank to obtain physical proof of the 5 late payments that are posted on my account with them. It has been over 30 days and I have yet to receive a response to my request. Also was not notified of my late payment status withe creditor.
Product: Credit card

XX/XX/year> I asked them to help me make a payment of {$9.00} that wasnt going through even though I was using the same card to make payments for the same merchant on other orders. They didnt help or get back to me and closed the ticket request which resulted in a late fee and my payment not going through on time. This balance was then reported as late to the credit bureaus. I got in touch with them again on XX/XX/XXXX and was finally able to make the payment after I got customer support from a person and not a bot however they didnt amend the false late payment due to the payment glitch in their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that on around XXXX I saw a lot of pre approvals on credit Karma. At first I didnt pay it any attention but credit karma continuously sent me emails and notifications about the pre approvals tells ] ing XXXX  that I was pre approved for credit cards, personal loans and auto loans. Every day I would see this offers anytime I logged in to see my credit scores. So After a few months of being told I was pre approved I thought I was in the perfect place to apply. I received many offers through credit karma I told my family about vacations and investments we were going to use these pre approvals for. So I finally applied on various days and I got denied for credit cards and personal loans. I was distraught. I was very angry and I felt deceived. I was advertised for months that I was already pre approved. Credit karma kept sending me notifications about my pre approvals. This was all a lie. I was severely stressed out. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went from from XXXX to XXXX. Now every time I see pre approvals I immediately close my phone and shut my computer off. This has made me very uneasy and XXXX that I havent checked my credit as frequently as I should.
Product: Debt collection

I opened a Home Equity Line of Credit in XXXX with First Midwest Bank that I have never used. I would pay an annual {$50.00} fee upon receiving their bill each year. 
I did not receive a bill for this {$50.00} fee on this never used account in XXXX. I did not receive any reminders of an annual fee being owed. 
On XX/XX/XXXX I received a letter of collections for a past due amount of {$60.00} that was dated XX/XX/XXXX. This letter was not clear 1. It did not clearly articulate what this amount was for ( {$50.00} annual fee and I assume a {$10.00} late fee? ). It stated that failure to pay immediately would result in further collections and the reporting of the delinquency to the credit bureau ''. They neglected to mention they reported that collection when they sent me this letter. 
I received a phone call XX/XX/XXXX from a woman who did not clearly or properly identify herself. There was no message as to the reason of her call. The phone number XXXX does not identify as belonging to First Midwest Bank, a XXXX search showed this number as reported SPAM. The woman who called spoke fast and garbled - ( XXXX from XXXX XXXX XXXX ). I do not have a relationship with XXXX XXXX XXXX. At no point was any reference that she was calling regarding an unpaid annual fee on a HELOC. 
I contacted the bank by phone XXXX as well as went into a bank branch to personally hand the letter attached. I requested that they remove the collection entry from each Bureau that First Midwest reports too ( XXXX, XXXX, XXXX, and XXXX, there may be other regional bureaus too ). I also asked the line of credit be closed at consumer request. I was told by XXXX XXXX that he had no control of the reporting and that it could take months to change the reporting ( XXXX was referenced ). I am submitting an additional complaint surrounding their credit bureau reporting - as of XXXX, I see the account closed and {$0.00} owed but they have not removed the collection. I am hoping the CFPB can help get this resolved.
Product: Credit reporting or other personal consumer reports

For over one year, XXXX XXXX XXXX has been issued repeatedly ( 6-7 times ) to an individual who accesses and changes my info online ; then uses card ( s ) to charge. My wife and I have not used the cards during this time and notified the agency many times/spoken to over 20 supervisors et al ( latest today ). We have been called by XXXX supervisors regarding usage and new cards issued with promises of negation of charges including annual fee and no negative affects to credit agencies. 

Credit was given for annual fees to billing on cards we never even received. No notification of other person using cards under my name every given to credit agencies by XXXX, though promised many times? no correction ; rating has dropped from XXXX ( been there for many years ; do have one of the initial XXXX XXXX and other cards, mainly used ). 

Requested stoppage of person 's ability to change info via internet made repeatedly. Requested mailing of replacement cards only via certified mail made repeatedly. Never done, just promised. Very inept unconcerned employees. 

Latest charges occurred in XXXX ( haven't been there for over 20 years ) while I was at home XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my report were reported to me XX/XX/2022, were not verified to my knowledge and that they are fraudulent.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XX/XX/XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX  I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDNELNET and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the incorrect reporting of late payments, which should not have been attributed to me. 
Payment History Prior to Transfer : I have a consistent history of making on-time payments before the account was transferred. The incorrect reporting of 120-day late payments is not reflective of my responsible financial behavior and payment history. 
Dispute Already Filed and Marked Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain on my credit report, suggesting that the matter was not fully addressed and corrected. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


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

Equifax was notified on XX/XX/2018, Of an account that does not belong to me. They was asked to submit physical proof that the accounts in question belong to me. Instead they sent a letter stating accounts was verified where's the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am a victim of identity theft. My personal information was used to open a loan from XXXX XXXX for {$15000.00}. 

I learned of this upon reviewing my credit report/score in XX/XX/2019 at XXXX XXXX. I noticed the account was opened in XX/XX/2019. I immediately disputed it with all three credit bureaus. I also followed the appropriate protocols at IdentityTheft.gov and sent letters to both XXXX XXXX, as well as, all three credit bureaus to close the fraudulent account ASAP and to remove the fraudulent information from my credit report ASAP. As of today, all three credit bureaus have completed their investigation and removed the account from my credit report as it has been an act of identity theft. 

As a victim of identity theft, which may have occurred with the numerous breaches of data from credit card companies and other companies, my personal information such as my name, date of birth, social security number, address, email and telephone number was used to open this account, unbeknownst to me. 

I can confirm that my bank which is a XXXX XXXX XXXX has not received any payments or funds from XXXX XXXX nor has made any payments to XXXX XXXX. I have researched their claim, but do not see an inquiry to support this. 

Lastly, how can you verify someones identity through a phone system. Perhaps, physical documentation should have been collected or having the person visit a branch to ensure their true identity. As a victim of identity theft, my personal information was used to verify the account which was how it was opened. XXXX XXXX should have taken more precautionary measures to ensure it was the correct person opening the account. 

I am in the process of filing a police report. 

Again, I'm not at fault, responsible or liable for the account. Since the account was opened fraudulently using my personal information, I intend to continue to fight this and repair my financial reputation. 

Based on the above details, I kindly request this account be closed. 

Thank you!
Product: Debt collection

I joined XXXX in the beginning of XX/XX/XXXX. They sent validation request on my behalf to XXXX. I then sent my own validation letter ( 2nd request ) on XX/XX/XXXX via USPS Certified Mail. In the letter I requested definitive proof that the debt they are trying to collect is indeed mine. I have yet to receive the requested validation, instead I have gotten the SAME EXACT response letter 3 times now, saying the debt has been VERIFIED. On XX/XX/XXXX I submitted my first complaint to your office because the mandatory 30 day waiting period lapsed ( Complaint # XXXX ). XXXX then responded that they did in fact validate the debt, which is absolutely false, ( attached are copies of our communications. ) I sent my THIRD request for validation via USPS Certified mail on XX/XX/XXXX. Surprise, surprise! I got the SAME letter again. This debt has NOT been properly validated and I want PROOF that it is mine.
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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : 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 have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. 
I need the following inquiries deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I never open a XXXX  account. I contacted the creditor by mail and by email in XXXX and XXXX. Again recently in XXXX. I have contacted transunion no response. I would like for the information to be removed before exploring other remedies to bring legal action. This account was open during the XXXX security breach.
Product: Debt collection

The Company in question is LVNV Funding LLC. I have sent them 3 letters to verify the validity of a debt they claim I owe. Instead of verifying this debt, they send me a letter stating that they don't feel obligated to verify because they think it is coming from a third party etc. So they basically do not want to verify the debt but instead keep it on my credit without verifying. I want this investigated. I have the letters from LVNV rejecting to investigate. I want this debt permanently removed from my report since they do not want to keep in accordance with Fair Credit practices like verifying debt.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I didnt make about XXXX of them and there is currently XXXXXXXX XXXX in my name that I do not know about and its not me and I just got in the mail today something from XXXX XXXXXXXX saying that a platinum secured card with a balance of XXXX XXXXXXXX XXXX was sold or transferred to portfolio recovery associates , LLC XXXX XXXX XXXX, XXXX VA XXXX. It says portfolio recovery associates LLC is now the owner of your account and is responsible for collecting future payments and answering questions you might have they might contact you about your account directly through a representative since your account has been sold please do not send future payments to XXXX XXXXXXXX and I never had a XXXX XXXX credit card nor did I have any knowledge about this and theres apartments in my name. My credit score keeps going up and down down for the most part Im currently at like a XXXX but I never use my credit before and I also have hospital bills and I dont go to the hospital at all