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

My name is XXXX XXXX XXXX. There are two fraudulent personal loans appearing on my credit report as a result of identity theft committed by my father who has the same name as me with a different middle initial. The first loan is from XXXX for {$2200.00} taken out on XX/XX/XXXX. The second is from OportunXXXX for {$500.00} taken out in early XXXX. I filed the initial identity theft police report to XXXX XXXX XXXX Police Department on XX/XX/XXXX. I filed an amended police report to XXXX XXXX on XX/XX/XXXX to reflect the correct amounts stolen as well as the bank account and routing number information associated with the loans. 

XXXX and XXXX, as well as one of the original creditors XXXX, have refused to remove the accounts from my credit report despite me sending each of them a valid identity theft police report as well as supporting evidence to substantiate my claim of identity theft. My evidence includes text messages where my father directly admits the accounts are solely his. In these texts he tells several lies that he's not sure why the accounts are appearing in my credit report because the companies confirmed his SSN was used for the accounts. This was proven to be a lie as the companies have confirmed multiple times that my SSN was used to open the accounts. 

The credit bureaus and XXXX are refusing to remove the accounts from my credit report because the loans were deposited into my bank account. However I have sent them bank statements showing the immediate transfer of these funds out of my bank account once received. My father has always had access to my bank account and routing numbers as well as personal information, as he does my taxes. I have explained this to the credit bureaus and XXXX and provided them with bank statements showing the transfer of funds, yet they are still refusing to remove this account from my report. They do not seem to grasp that fraudulent loans can often be deposited into the victim 's own account as a way for the fraudster to cover their tracks. This act of deception is especially more plausible in my case since my father had access to all of my information ( as most fathers do ) and lived in the same home with me during the time of these thefts.

The identity theft case is still under investigation by XXXX XXXX and evidence is being reviewed by XXXX XXXX XXXX and Detective XXXX XXXX. Unfortunately this case is very low priority for XXXX XXXX as they deal with a lot of violent crime, so they are taking very long to close the case. Moreover, they lack experience handling fraud cases and have had trouble understanding the evidence I submitted to them. Therefore, any communication between the credit companies and the police may have been fruitless. 

The XXXX account in particular is causing damage to my credit score due to late payments and fees accrued by my father. It is extremely important that these accounts are removed from my credit report so that my credit can be repaired.
Product: Debt collection

I have filed a dispute with all 3 credit bureaus again on XX/XX/2022 to have these accounts that I have no idea about taken off of my credit. I have even contacted the original account holders as well on XX/XX/2022. Each time that I reach out to these companies they want me to give them my information not verify with me what they have, I am telling them that I have never had an account with them and do not know what kind of credit card company that they are and with a couple of companies there are even two accounts. These companies only have updated information due to pulling my credit after I filed my dispute. I know this only because of receiving updates from my disputes stating what is going on and it informs me of what each company does. These companies reported to the credit bureaus that their information was correct when I know it was not due to the fact that I have never received anything from them and they will not give me any information, they only want me to give them information to validate the information that they have on me. I only have 3 valid credit card companies that I use that I have had for more than 10 years anything else if fraud. I have my credit locked due to identity theft that happened a couple years back and I thought I was covered. I do not know how long these accounts were open or closed or how they were even paid on. But they are now with collection companies and on my credit. I am not paying for something I did not do and can not validate. They have update there information now on my credit report to match it correctly. I have again tried to contact them to find out information but am still getting the same run around of them trying to get me to validate what they have and I am not validating an account that does not belong to me. One of the original owners of debt has been removed from my credit and so should the debt collector but they have not. But all of them should be gone.
Product: Credit reporting or other personal consumer reports

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a XXXX cancellation of debt from the following charge off account listed ( NAME ) account # After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the XXXX form.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Recently, I was reviewing my Equifax credit report and noticed that there was incorrect information listed for my XXXX/XXXX account. I tried to file a dispute online, however I was not able to. I also called today and spoke with someone whom I could not understand. I tried explaining that the information posted was incorrect and she hung up on me. On XX/XX/XXXX, it shows the closing date of this account as XX/XX/XXXX however I have amother report from XX/XX/XXXX that shows the closing date as XX/XX/XXXX. This account was removed from my credit report and put back on in XX/XX/XXXX. 

There Is also a XXXXXXXX XXXX  account and a XXXX/XXXX account that are over 10 years old on my Equifax credit report. The Fair Reporting Credit Act states that credit reporting agencies must report correct and updated information. Equifax is changing information as well as reposting outdated information, which is against the law and affects my credit rating negatively.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Public Information : Bankruptcy # XXXX has violated my rights. I looked at my Experian credit report on XX/XX/2024 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

I bought the car on XX/XX/23 with Mercedes Benz financial instead of my personal credit union to obtain all the rebates & discounts then I intended to refinance the vehicle after my first payment was applied. In the meantime I wanted to cancel the maintenance service which I did on with the dealership on XX/XX/23 for {$5800.00}. Check was sent & completed on XX/XX/23 by dealership to Mercedes Benz financial. I then preceeded to refinance with my credit union & when I requested a payoff amount the {$5800.00} was added back to account balance. I called MB financial talked to XXXX Subject XXXX XXXX & he stated the dealership requested the check be sent back to them as there was an error in the check amount they sent. The dealership states they resent the check back to MBF & was cashed XX/XX/23. At this time I called both the dealership & MBF on the same call XX/XX/23 & MBF stated they would research & take care of it on their end. Many follow up phone calls have been made to MBF as I want to pay this car off with them but need them to apply the refund check & all the interest from XX/XX/23 to my account so I can get a good payoff amount. NO ONE will call me back or assist me with information on my account. Calls have been made on XXXX & XX/XX/23. I have requested a supervisor each time & I get no one is available. Mercedes Benz dealership has also tried to contact multiple times & they have refused to talk to them as well. I need resolution. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXXXXXX XXXX in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX XXXX Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, XXXX, Equifax, and XXXX have failed to investigate.
Product: Credit reporting or other personal consumer reports

Dispute of Negative Accounts Request for Deletion for Non-Compliance and Inaccuracies Name on Report : XXXX XXXX Social Security Number ( Last XXXX Digits ) : XXXX Dear Sir or Madam, I am writing to formally dispute the negative accounts reported on my credit report by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These accounts are inaccurately reported, and I am requesting their immediate deletion from my credit report due to their failure to meet compliance standards as outlined in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. 

Please find the accounts in question below : XXXX XXXX XXXX XXXX : {$720.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$540.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX These entries are damaging my credit report and, upon review, XXXX contain inaccuracies or reporting issues inconsistent with the XXXX XXXX compliance standards. I request that each of these accounts be thoroughly investigated, verified, and, if non-compliant or unverifiable, immediately removed from my credit file. 

Actions Requested : Verification of Compliance : Confirm that all aspects of these accounts are fully compliant with Metro 2 standards, including the reporting of balance, status, dates, and creditor information.

Deletion of Unverifiable Accounts : If these accounts can not be verified as accurate or compliant with all applicable standards, I request their immediate deletion from my credit report.

Written Confirmation : Please provide written confirmation that these items have been investigated and, if appropriate, removed from my credit report.

In compliance with 15 U.S.C. 1681i, I request that you complete this investigation within the legally required 30-day timeframe and provide me with an updated copy of my credit report showing these corrections. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution and verification of these corrections. 

Sincerely, XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, XXXX, & XXXX with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have some fraudulent accounts removed from my credit report. I retrieved a police report from the city of XXXX Ohio where my wallet was stolen with my ID and credit cards in it, I also retrieved a police report from the city of XXXX, Georgia where the creditors stated the accounts were opened and now, I also opened a police report where I actually live and provided proof of my address to them multiple times. The creditors and the 3 bureaus continue to verify the information correctly with incorrect data. The address and phone number that they report for these accounts is not on my credit file. The address and phone number reporting are Fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent address that all the above accounts are reporting to which is also not on my credit profile, but they continue to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed above and the 3 credit bureaus and I have yet to receive it. The incorrect data and no signed application showing proof that these accounts belong to me was reason to remove all fraudulent accounts from my credit file. I am asking for your assistance in this matter to step in and push them to do the right thing and remove these fraudulent items. I have sent them several reports including my personal Identification from the month of XX/XX/2022 until now XX/XX/2022. PLEASE HELP ME Thank You
Product: Debt collection

MERCANTILE ADJUSTMENT BUREAU # XXXX lack of information sufficient to form a belief as to the truthfulness of doctrine of laches, waiver, allegations within account. MERCANTILE ADJUSTMENT BUREAU claim is barred by estoppel, accord and satisfaction, payment, release, modification, statute of frauds, and/or unclean hands.The Agreement is void for want of offer, acceptance and/or consideration. I XXXX XXXX never entered in to any contractual agreements.MERCANTILE ADJUSTMENT BUREAU has failed to exhaust the administrative and/or contractual remedies .MERCANTILE ADJUSTMENT BUREAU is not entitled to recover the damages it seeks.MERCANTILE ADJUSTMENT BUREAU claimed losses are the direct and proximate result of its own negligence, intentional conduct, acts and/or omissions or the conduct, act and/or omissions of third parties for whom I XXXX XXXX am not responsible.
Product: Debt collection

Received letter of attempt to collect debt. Debt is related to identity theft issue with Nordstroms. Nordstrom didn't cancel and close account when first contacted in XXXX. The fraud department individual i spoke to said account would be closed and it wasn't. Contacted Nordstrom again and now it's closed and they are starting fraud investigation. Made several attempts to contact debt collection company with phone number provided. Unable to get anywhere with that
Product: Credit card

I have enlisted the aid of XXXX agency to consolidate my debts and lower interest rates. I have only been able to make minimum payments for the last couple of years. Synchrony Bank is the only creditor that has not accepted the offer from this company. They are wanting a larger payment than offered. If they had accepted the offer I would not have a late payment. The offer for a balance of {$1700.00}, was {$42.00} per month, they refused it wanting {$43.00} per month. I approved the increased deduction for XXXX and when it was offered they wanted {$3.00} more {$46.00}. XXXX contacted me to increase the withdrawal from my checking account. During this time I have been getting collection calls from Synchrony that I have not picked up. The total debt amount at the time it went to XXXX was {$1700.00}, the account was closed. I am sure they have added late fees and other charges to my total debt. I chose to handle my debt responsibly and reimburse everyone rather than choose Bankruptcy. The original offer was for {$1700.00} and {$42.00} per month. Please help!
Product: Money transfer, virtual currency, or money service

I had added around {$55.00} to my Venmo account and shortly after my account had gotten frozen and was told that I needed to wait 180 days to be able to access the money. So well over 180 days passed and I contacted them again. They wouldn't tell me why my account was temporarily frozen and I tried to get them to work with me and let me just take the money out of my account but they ended up telling me I had to wait another 180 days. I've verified my identity over 20 times with them through the process but they still are holding my money from me... I want my money now.
Product: Credit card or prepaid card

I opened a credit card account with my bank, USAA, in XX/XX/XXXX. After using the account for approximately two years, I paid the balance due in full ( approx. {$1400.00} ) and requested the account be closed, shredding the card in my possession. Much to my surprise, approx. two years later in XX/XX/XXXX, USAA used the very same credit account to cover an overdraft on my checking account. Unaware that the credit account was even open, the amount due on the supposedly closed account began to become past due and collect interest. This continued for many months and I was not notified. Finally, some 10 months past due, as I was applying for a home loan, the past due account was brought to my attention, and although upset that the account was even open to begin with, I promptly paid the full amount and requested the account be closed, yet again. With a stellar credit history besides this mishap, USAA has refused to accept responsibility for dropping the ball and failing to close my credit account in XX/XX/XXXX, resulting in the one and only blemish on my stellar credit history. Not only have they refused to correct their mistake, or refund late fees as a courtesy, they have also not removed their negative report on my credit history, caused by their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

There are some information on my credit report that are in correct.
Product: Debt collection

Diversified Consultants is attempting to collect a debt they claim I owe to XXXX XXXX XXXX. I have disputed this in writing and requested validation. They have not provided validation and continue to post negative information to XXXX credit bureaus.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Ally Financial Inc . I believe this company has possibly engaged in improper repossession practices. Im thus seeking more information regarding what exactly happened here. On the following page, youll find more details about our complaint. 

To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/year>. My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint by email or written mail. Please see below.