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

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance : {$15000.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Account # : XXXX Balance : {$21000.00} Open Date : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXXXXXX used my personal information to obtain multiple loans and is using other construction companies to scam citizens and financial companies. 
XXXX XXXX were to build a house but has not done anything. Submitted multiple claims for the same work in this case they submitted two claims for roofing to two different financial companies but no work has been made. XXXX XXXX and XXXX XXXX are claiming payment for a non existent roofing. I did not need any roofing done because the existing one is about XXXX years a go. GoodLeap and another company are paying for something that does not exist, and I already notified both of them that there is no roofing done. I sent them photo of my roof. 

I do not know the company XXXX XXXX, never met any of their representatives, never signed a contract with them, did not agree to this roofing agreement, all was done on line as a scam of XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

In the 2nd to XXXX XXXX XXXX XXXXXXXX I contacted the CFPB because experian Has inaccuracies on my credit report reguarding XXXXXXXX XXXX  which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX XXXX  to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I realized I fell victim to identity theft and found an inquiry I have no knowledge of : XXXX XXXX XXXX XX/XX/year>. Please remove this fraudulent inquiry from my credit report. I also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TranUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, last XXXX account XXXX credit card account open at XXXX XXXX  on XX/XX/XXXX, last XXXX account XXXX an personal loan open at XXXX opened on XX/XX/XXXX under the account number XXXX and XXXX XXXX  account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX. several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to urgently bring attention to the fraudulent and erroneous personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Product: Debt collection

XXXX XXXX is disputed they sell debt to portfolio recovery I dispute portfolio recovery for proof that this account is mine which it is not they send me invoices with no signatures on them I contact credit companies the verify I ask portfolio recovery for a actual signed contract with my signature they do not have I ask XXXX XXXX they do not have I ask credit reporting companies they do not have I made off to settle three time just to clear my credit reports and remove account from them completely no response { Under section 623 { a } { 8 } FCRA I request the accuracy of this account that is not mine with an actual signed contract under this section the have 30 days even tho it's been over 120 days sense I started this dispute accept my offer enclose again or show an actual contract that no one seems to have AND REMOVE COMPLETELY FROM CREDIT REPORTS .No one has shown proof that this is my account I owe nothing on this account this dispute is with portfolio recovery.dispute now over 120 days
Product: Checking or savings account

CITIZENS ACCESS CASE Number : XXXX I have lost access to my online bank account since the beginning of XX/XX/2022 when the company performed upgrades on their systems. As part of the upgrade, I was required to update my password. When I attempted to do so I got the following message from their system. 
" We have encountered an error- please try again after some time. We apologize for the inconvenience. '' I then called the customer service number on XX/XX/2022 and they were NOT able to access my account with my Name, Social Security Number and Date of Birth. They told me that for some an unknown reason the system did not recognize me. But not to worry had a backup way to verify my identity using public domain information. I got one of the question wrong and they told me that I had to wait 24 hours before they could try again. So I called the next day, had to explain the whole situation to another customer service rep and this time I got the questions right so they were able to access my account. I asked them to help me update the password and they said that they could NOT do it as it was beyond their capabilities and that someone that could help would call me back. I then asked for a direct contact number/email for the of the agent and they said that they were NOT allowed to do so and that I would have to call the customer service number and go thru the same process of answering the public domain questions as they could not associate my account using my my Name, Social Security Number and Date of Birth. 
I have a significant amount of money in their account and I am not getting any responses from the ONLINE bank.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these Inquiry or not done by me I have reach out to Trans Union Credit Services by phone XXXX as well by mail po box XXXX XXXX, PA. XXXX Please help me get this resolved none of the inquiry listed below should be on my report I never tried to get credit at any of these places. 

XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX IXXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX (  Finance ) XX/XX/XXXX XXXXXXXX XXXXXXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

There is an inquiry on my credit report that I don't recognize. I've contacted XXXX and the representative made it clear that they were going to remove it, but it's still in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous letters to all the bureaus to fix incorrect information on my credit report and they have not responded. It has been more than a few months. I would like all the incorrect information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to XXXX. We began using XXXX XXXX XXXX in XX/XX/XXXX. 

XXXX XXXX CONTACT INFO JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them. 

We were clients of XXXX in XX/XX/XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. InXX/XX/XXXX they turned the account over to collections agency, Jefferson Capital. 

XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to Jefferson Capital System. 

Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}. 

There are two issues. 
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ). 
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I was charged {$50.00} overdraft fee for an {$8.00} recurring subscription. I spoke to Chase Bank as so as I found out about it and they refused to reverse the fee.
Product: Debt collection

An illeged debt in the amount of {$1600.00} was sent to the credit beauraus. The illeged debt was then disputed for inaccuracy and to validate ownership of the illeged debt via original signed contract which was never furnished. The illeged debt appears to have originated with XXXX XXXX and then sold to debt buyer XXXX XXXX XXXX. The debt buyer then illegally tried to collect of the illeged debt, and eventually filed a lawsuit unbeknownst to myself as the address associated with the debt is incorrect. I only learned of this as my employer has informed me of a wage garnishment set to start next week. The lawsuit No. XXXX has cited an orignal illeged debt amount of {$1600.00} which differs from that which was falsely reported to the credit beauraus, which is a violation of my consumer rights. The attorney XXXX XXXX, who is attempting to collect the debt is also in violation of several laws, as he us acting as a debt collector. I have listed the violations below and request that ALL communications and attempts to collect this elleged debt be ceased immediately a d removed from all credit reporting agencies. 

1.Pursuant of Rule 60 ( A ) ( B ). Original alleged debt In the amount of {$1600.00} was sent to the credit beauraus. Illeged debt was disputed for inaccuracy and proof of debt validation ( original signed contract ) which was never furnished. XXXX XXXX XXXX. XXXX states original debt I'm the amount of {$1600.00} which is completely inaccurate. 

XXXX of United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX And XXXX v. XXXX XXXX XXXX XXXX. XXXX L.. XXXX. XXXX. XXXX XXXX. Attorneys can't testify ; statements of counsel in brief or in oral argument are not facts before the court. 

XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX. XXXX A. An attorney for the plaintiff can not admit evidence into the court. He is either an attorney or a witness, '' and, " Statements of counsel in brief or in argument are not facts before the court. '' XXXX of XXXX XXXX XXXX XXXX S.Ct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al., Petitioners, v. XXXX XXXX XXXX No. XXXX. Supreme Court XXXX XXXX XXXX XXXX XXXX lawyer who regularly tries to obtain payment of consumer debts through legal proceedings meets the XXXX 's definition of " debt collector '' : XXXX who " regularly collects or attempts to collect, directly or indirectly, [ consumer ] debts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : Late Closed XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX  XXXX {$7900.00XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Product: Debt collection

Are reporting to credit Bureaus When I have numerous times in writing disputed their right to collect and or report to the credit bureaus negative credit info on me. 
I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt. 
All they provide is statements from original creditor, but refuse to show proof of documents any purchase contracts or assignments proving they have the legal right to collect & provide negative info to credit bureaus .As well as what they purchased the alleged debt for, not the balance on original creditor statements
Product: Credit reporting or other personal consumer reports

I am submitting the following statement regarding a recently added collections account on my credit report in the amount of {$4200.00}. 

I disputed this charge, deeming it both false and illegal, and requested proof of an executed contract that would obligate me to pay this amount. I firmly believe that the charge is unlawful, as it stems from an attempt by a landlord to inflate fees as a form of retaliation. Throughout my tenancy, I consistently paid on time, never defaulted, and fully met all fiduciary responsibilities. 

Within only a few days of my dispute, Experian sent correspondence indicating that the debt had been " verified. '' However, the provided documentation consisted solely of a copy of the lease agreement and photographs, which do not substantiate or validate this charge. The so-called " verification '' was not a legitimate investigation, but rather a mere file dump of the only relevant information availableinformation that does not obligate me to this charge. 

Given that no legitimate investigation was conducted and no changes were made to my credit report, I am requesting the immediate removal of these illegal charges.

Experian provided insufficient proof and labeled it " verified '' after less than 1 week. There was no investigation, any attempt to investigate the matter would uncover fraudulent reporting on the part of the reporting company. 

Due to the recent lawsuit filed by the CFPB against Experian, I am formally requesting a comprehensive and impartial review of the disputed entries on my credit report. 

The lawsuit raises important concerns about adherence to federal consumer protection laws and the accuracy of credit reporting procedures. 

As a consumer, I trust that Experian will honor its obligations under the Fair Credit Reporting Act by ensuring that all information reported is accurate, complete, and verifiable. Should the disputed information not be verified as correct following a fair investigation, I kindly request that it be promptly removed from my credit report. 

This request is made in good faith to ensure that my credit report accurately reflects truthful and reliable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 for the 609 LETTER regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am shocked to see my Credit report being infested by a large amount of erroneous and fraudulent items that were indiscriminately reported by the Credit Bureaus. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission and I need you to remove the these items as soon as possible : XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$63.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.