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

I'm reaching out today to inform you that I've fallen victim to identity theft. Please consider this letter as a formal dispute regarding the following accounts. I've already reached out directly to all the companies involved, as instructed, to address this issue. I've filed an identity theft report with the FTC and have contacted all the companies to dispute the information that shouldn't even be appearing on my file. I kindly request your assistance in resolving this matter. 
Please remove these accounts promptly. Your attention to this matter is greatly appreciated. I apologize for any frustration expressed ; however, these oversights on your part are causing significant financial difficulties for me. 

XXXXXXXX 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

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Debt collection

I payed the debt with the agreement it would be removed from my credit report in 2013, but to date have been unsuccessful in getting them to remove it. Each time I call, they just tell me they ca n't remove it and they never agreed to that. Creditor is Alpine Credit in XXXX, CO. Phone is XXXX and address is XXXX XXXX XXXX, XXXX, CO XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I received a purchase order from XXXX for delivery to California. 
I contacted XXXX because I didn't make the purchase. I found that my account was hacked and they placed several credit cards in American banks in my name. The banks are : TD Bank, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX. 

I don't know if more accounts have been opened in my name, I would like to alert all companies, as I have never used a credit or debit card with American banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect , INC . 
XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX REPORTED INFORMATION : Amount of debt : [ XXXX ] Amount of debt : [ XXXX ] Date of Service : [ XX/XX/XXXX ] Date of Service : [ XX/XX/XXXX ] Provider of Service : [ XXXX XXXX ] Provider of Service : [ XXXX XXXX ] On XX/XX/XXXX, I sent a letter requesting specific information regarding TWO debts Americollect is reporting on my credit file. This was not a refusal to pay, but rather a notice that I am disputing the claim and requesting validation. i have the right to request this validation and HIPAA authorization pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Unfortunately, I did not receive the following information I requested : Agreement that grants them the authority to collect on this alleged debt. 
A complete breakdown of fees including any collection costs and medical charges. 
A copy of my signature with the provider of service to release my medical information. 
Cease any credit bureau reporting until the debt has been validated by me. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor on my behalf regarding this account and the results of those claims Alleged account number. 
Address on file for alleged debtor. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

This is a second request to provide the information. Withholding information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA, as it would be deceiving me after my written request. Therefore, I request full documentation of what they received from the provider of service pertaining to this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act. I have attempted to call several times, but when I advised that my call could not be recorded, I was placed on hold for an extended period of time before being disconnected. Under Florida law everyone involved in a conversation must agree to be recorded and I have a right to decline the recording. The Fair Debt Collection Practices Act says people collecting debts cant oppress, or deceive clients.
Product: Bank account or service

I 've banked with PNC Bank for nearly XXXX years, and I 'm finally leaving them because they charge ridiculous overdraft fees. I 've asked for reimbursement for these fees ( they re-order high to low, so they can ensure overdrafts on even small amounts ) and they wo n't do it more than once in apparently XXXX years. It seems to me that banks require greater regulation in how they administer overdraft fees since it 's obviously a huge revenue-generation strategy.
Product: Credit reporting or other personal consumer reports

Account was charged off XXXX XXXX XXXX and I was advised by the company after 7 years the account will be dropped from my credit report on all 3 bureaus. As of XX/XX/XXXX this is still sitting on my credit report. I have filled multiple disputes with the company except harassing calls and them updating my balance every 3 months to keep this on my report. I informed them the account is a charge off and has been for over 7 years and would like this removed immediately from my credit they have yet to do so. I am requesting that this old account be removed from my credit due to it is causing issues with my husband and I buying a house. They call numerous times a day still wanting me to pay for a old charge off that during a extremely rough economy I can not just give the amount they are requesting
Product: Credit reporting or other personal consumer reports

I have a repossession from XXXX XXXX on all 3 credit bureaus. Ive written to the companies and advised that i was involved in the class action lawsuit they had against them for predatory lending. XXXX had agreed to remove any and all derogatory accounts pertaining to the lawsuit. Ive disputed woth all three credit bureaus and the derogatory acct. is still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing about account XXXX on my credit report and to request that you either provide a method of verification or permanently delete the account. I previously disputed this account with you, and you responded by stating that it was verified and validated as accurate. However, I have since followed up with the original creditor, and they were unable to fulfill my request for validation of the account. 
I am aware that it is my right by law pursuant to 15 USC 1692g to request validation of a debt, and it is concerning that the original creditor was unable to provide any relevant information relating to the debt. Additionally, the original creditor informed me that the account had reached the statute of limitations and that they were no longer actively attempting to collect on the account. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I would like to remind you of the responsibilities of the Credit Reporting Agencies to report complete and accurate information. It is my belief that proper procedures were not followed in the investigation of my dispute, and this behavior could constitute fraud, identity theft, and false and inaccurate reporting. 
This letter is my final attempt to address this issue before I exercise my legal rights as a consumer. I urge you to investigate this matter and take appropriate action to rectify the situation. Failure to do so may result in further legal action on my part. 
Please provide me with a method of verification for the account or remove it permanently from my credit report. I look forward to hearing from you soon. Please provide evidence of the reasonable procedures used to determine the validity and accuracy of the information. Please provide the names numbers and addresses of the people contacted for you to come to your conclusion to insure your procedures were reasonable, impartial, and fair to preserve the rights of the consumer. 
Please provide Documentary evidence and any other valid information. Please request the Disclosure from the furnisher that I signed giving your company permission to furnish the account as a failure to do so could constitute identity theft because my private protected non public information is being shared between two companies in a business transaction that does not involve me except to harm my reputation. 
Please send all required Documents.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account with XXXX when I moved, I paid my final bill as discussed on the phone when I closed the account. Their bill was reflecting an additional month they told me I didnt owe and would go away when billing gets updated, it never went away, I called them a couple times about this and was told to either let it go and keep waiting or pay it and wait for them to refund me. They then put on my credit report Im not paying a bill they told me I dont owe and its not being removed from my credit after disputing it. I have since paid it and am now waiting on my refund from XXXX ( doubt Ill ever see it but wont accept what they did to my credit ) XXXX makes it very difficult to close an account and should be investigated for these difficulties and made to provide an easier way to do this on line, not after long waits calling in to them. There should also be a follow up of what their customer service tells you on the phone, in my situation there was no truth in what they told me. Experience shouldve been able to find this issue and delete it from my export, not just update it that the account is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations reported : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice $ XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$6300.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$90.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. XXXX XXXX : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received a new copy of my credit report a XXXX  ago and I checked that I had an account credit card account opened without my knowledge. XXXX XXXX  put an Account Review Inquiry on my TransUnion Credit report.
Product: Debt collection

I HAVE REQUESTED SEVERAL TIMES FOR ANYTHING THAT CONNECTS THIS TO ME. IT WAS LAST REPORTED ON MY XXXX REPORT ON XX/XX/2024. IT SHOWES XXXX. IT IS NOT MINE
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with XXXX XXXX XXXX XXXX and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called XXXX to dispute the money. XXXX said I would get an update by XX/XX/XXXX. 

Because she asked for a cancellation, she then asked me to send her another {$100.00} through Zelle, with the contact information XXXX. I did that ( transaction number XXXX ), but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, XXXX to be Zelle. They said " ZELLE : for your protection, your {$100.00} payment to XXXX XXXX XXXX was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. 

Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX  image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refusedtogivemeone.
Product: Credit reporting or other personal consumer reports

i have dispute errors multiple times and experian rep tells me that it came back certied last when i call to dispute XXXX XXXXXXXX XXXX XXXX XXXX account that supposed to be closed and with a XXXX balance.one was a credit card with a XXXX limit and the other one was a loan that was paid off and hasnt been a update since XXXX of last year and i also contacted XXXX XXXX XXXX XXXX. I cant understand how the dispute came back in 3 days that the information was accurate and certified which has to be a lie and i have proof my accounts are closed with XXXX balances. XXXX and transunion are accurate why not experian? this has been a ongoing issue i have with experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against equifax concerning their refusal to block derogatory information from my credit report despite my submission of verification that I am a victim of XXXX XXXX. The refusal to act in this situation has had a significant and detrimental impact on my financial stability and overall well being.on XX/XX/scrub>XX/XX/2024 I submitted a dispute to equifax with supporting documents and request to remove negative items off my credit report accompanied by verification documents that substantiate my status as a XXXX XXXX victim .which clearly supported my claim. ( FCRA ), specifically under 15 USC 1681c-2, mandates that credit reporting agencies must block derogatory information related to identity theft upon victims request.
Product: Debt collection

I am disputing an account/collection that was opened in  XXXX  of  2016 with a  company known as    Convergent Outsourcing. Th ey are claiming that I owe the amount of {$670.00} for which I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, and only XXXX, shows a Citicard account that does not belong to me. I contacted Citicard and they verified that I do not have an account with them and recommended I file a dispute with XXXX. I filed the dispute, but XXXX says that Citicard verified that the account belongs to me. I also received a letter from Citicard stating " they are unable to update the credit report because to remove authorized users from credit reporting the authorized user must be removed from the account ''. I called Citicard again and explained that someone had committed fraud and that the account is not mine. They said I am not in their system so they can not do anything about the account because I am not in their system. I told them the reason I am not in their system is because I do not have an account with Citicard. The representative just kept saying there was nothing she could do because I am not in their system. Their letter also said that if I have any questions regarding the matter I should call the number on the back of my card, which I can't do because I don't have a Citicard card because I don't have a Citicard account. For some unknown reason Citicard simply has no interest in contacting whomever it is they are sending the bills to in an effort to straightened things out, so at this point I am left with no other choice than to file a report for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX There should only be one address listed on my report XXXX which is XXXX XXXX  XXXX XXXX XXXX, SC XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX. XXXX XXXX 4.XXXX  XXXX 5 XXXX XXXX XXXX XXXX 6. XXXX XXXX Please remove inaccurate employers as well as listed below : 1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Employer : UNKNOWN Date Updated : XX/XX/2020 XXXX XXXX Date Updated : XX/XX/2020
Product: Debt collection

I am writing to bring to your attention an ongoing issue regarding fraudulent accounts on my credit report. Despite the successful resolution and deletion of these accounts by other credit bureaus, they persist in your report. I am providing additional details to facilitate the expedited removal of these fraudulent entries. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXPLEASE DELETE!!! 
I previously disputed these fraudulent accounts and provided supporting documentation, including an Identity Theft Affidavit. Other credit bureaus have acknowledged the fraudulent nature of these accounts and subsequently removed them from their reports. 
I am requesting your immediate attention to this matter and a thorough investigation into the continued existence of these fraudulent accounts on your credit report. As the other credit bureaus have already taken appropriate action, it is crucial that you expedite the resolution of this dispute and remove the inaccurate and damaging information from my credit file.
Product: Credit reporting or other personal consumer reports

Hi I have hard inquiries to my cridit report thats not belong to me I will like it to be remove I have XXXX hard inquiries thats I didnt authorize XXXX XXXX ( Finance ) XXXX  ( Finance ) XXXX XXXX ( Finance )