23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked for validation and verification on several occasions and these people have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR XXXX XXXX XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX XXXX XXXX, has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES XXXX XXXX to be in a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO XXXX. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so, I have successfully disputed this DEBT and they still continue to harass me.This is another violation that these DEBT COLLECTORs have created. 
They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. This has harmed my ability to secure private credit for personal, family, and household purposes not for XXXX. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX XXXX, this is aiding and abetting fraud on the Consumer who is a natural person.
Product: Credit reporting or other personal consumer reports

I've had credit alerts and a freeze on my reports but there's been constant fraud with my credit reports and refusal of investigation of any form even after mailing in a police report proving identity theft and credit freezes/alerts for the past XXXX years. 
I just received a call this morning from a lender that a loan was approved in my name this morning. I had just woken up a few minutes prior to this call and I haven't applied for anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency XXXX XXXX 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 accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer credit report maintained by you which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, 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 XXXX 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

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I written a letter to Experian and XXXX disputing a bankruptcy on my credit report. They replied to be that they contacted the bankruptcy court and the court verify that they reported it. which is false. Experian and XXXX violated the FCRA. I contacted the United States Bankruptcy Court of XXXX XXXX of Illinois. They told me that the court do not report any bankruptcies to credit bureaus, That a third party reports to credit bureaus. And a third party can not report. They also sent me a letter stating they don't report to any credit bureaus. This is what Experian wrote to me : The dispute for the bankruptcy named US BKPT CT IL XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Court Name : US BKPT CT IL XXXX Address : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX Type of Record : Bankruptcy Reference Number : XXXX
Product: Credit card or prepaid card

I received a denial letter from Chase dated XX/XX/2017, regarding a fraudulent application for an XXXX credit card. This is the 8th application submitted in my name and every time I have received a denial letter from Chase. I am a victim of identity theft so I have an extended fraud alert placed with all three credit bureaus. Chase is NOT following the proper protocol when an application is submitted. They are supposed to contact me PRIOR to completing the approval process to confirm I am the one who submitted the application. In all of these instances, Chase has not done that. They have denied each application without confirming my identity. The representative I spoke to, I believe his name was XXXX or something close to that, said that the letter I received is merely a notification that an application was submitted but with the same breath called it a denial letter not once but several times. There is a huge difference between a notification letter and a denial letter. I 've received notification letters from other companies I applied for credit with and they indicate on their letters that they can not proceed with processing my application until they have confirmed my identity. I 've attached a copy of Chase 's letter. This letter is obviously not a notification letter. It indicates my app was not approved due to bankruptcy, which is a clear indication they ran my report to see that information without contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items DEPT OF ED/XXXX  XXXX Balance : {$7300.00} DEPT OF ED/XXXX XXXX Balance : {$44000.00} DEPT OF ED/XXXX  XXXX Balance : {$20000.00} DEPT OF ED/XXXX  XXXX Balance : {$22000.00} DEPT OF ED/XXXX  XXXX Balance : {$2400.00} XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF ED / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$22000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF XXXX / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXhe information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to FCRA 605B, you need to eliminate any false accounts from my credit report. Would you mind checking the documents? Some of the accounts listed are incorrect, with inaccurate amounts and dates reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, resulting in unauthorized accounts and inquiries appearing on my credit report. I did not open these accounts, nor did I authorize any of these inquiries. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
Unauthorized Accounts : XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$170.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2800.00} XXXX. Capital XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1500.00} XXXX. Possible XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$220.00} XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$310.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$640.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX Bank. By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus XXXX, Experian and XXXX, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. 
They also violated my rights under 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructi. 

Also the Credit bureaus took mor than 30 days to complete my investigation, here is my certified mail tracking # XXXX
Product: Debt collection

Sent dispute in and asked for verification and validation on this alleged account reporting on my consumer report. This item has not been validated or verified and is a violation of the FCRA and the FDCPA.. I requested that this item be deleted. This did not happen. since this item is still reporting on my consumer report, I will be seeking for damages under the FCRA and the FDCPA for every month this account has reported to my consumer report FROM CREDENCE RESOURCE. That will be up to {$1000.00} per violation. Credence Resource will be held liable because they are the ones reporting the account on my consumer report.
Product: Debt collection

I have filed complaints against and about sw credit system LP, they have been contacting me to collect a debt from the primary XXXX they agreed to removed an account that I believe to be fraud and not Mines, it was removed from credit report An now has popped back up, this account is not mines it is the act of fraudulent activity, I have asked for debt validation numerous times An have only received bills with my name on it no signature of contract or service, I know that they are required to provide, I know this is identity theft an I have followed every step they have refused to release the proper documents because there are none I have never had XXXX account or sign any documents to pay sw credit system to collect a debt! All contact needs to stop an I need this fraudulent activity deleted from my credit report, they have sent out many different debt collection letter that have had different balance amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was once part of my parents credit card but was removed XX/XX/2021. My credit score on my chase app, powered by XXXX, has been affected by it since then still. There is no reason that my credit score should still be affected by a credit card that I have been removed from, do not use, and do not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} 3 ) XXXX XXXX XXXX XXXX ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX/ XXXX Please block the above accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was approved for an unsecured personal loan from a lender I found online. At that time they were dba as LightStream A Division of SunTrust Bank but I think theyre now Truist Bank . The loan was {$5000.00} with repayment terms of 48 months. After receiving a confirmation email regarding my final payment, which I have recorded and documented, LightStream began harassing me about my unpaid overdue balance. Despite my best efforts to resolve the dispute by contacting them and providing them with a copy of the email I received from them as well as a screenshot from their, they continued to make negative inaccurate reports to all 3 major credit bureaus about the loan being late, and eventually written off. They turned me over to collection agencies, reported negative information about me and refused to accept the undeniable proof I was providing them that my loan was paid in full and on time. Im tired of trying to resolve this issue on my own and just want this negative information removed from my credit report. Please see my attached documentation, screenshot of the original email and information from the Light Stream website which shows everything needed, including dates, account number, loan details, etc. Please review areas circled in red of my attachment for what I believe is proof that on XX/XX/XXXX the Principal Balance of my account XXXX was {$0.00}, next payment due date was reported as NA and Amount Due was {$0.00}. The loan originated on XX/XX/XXXX for 48 months ( 4 years ) and this email is dated XX/XX/XXXX which is almost exactly 4 years to the day of the original loan date!
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX, the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with XXXX XXXX were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I see inquiries on my report that should be removed for good reason since I have never had thoughs accounts opened up
Product: Credit reporting or other personal consumer reports

I have reached out to Experian to get a copy of my credit report but they continue to refuse to provide it. 

According the Experian, they are not able to verify my current address. However, I have uploaded copies of my current driver 's license with my current address on it, and have also uploaded a copy of current utility bill at least seven different times directly in their web-site 's upload page to no avail.

I have call Experian several times, but every time they say the same thing. I need to upload my driver license and a copy of a utility bill.

According the the CFRA, it is my right to have access to my credit report and they continue to deny me this right. 

I have uploaded copies of the information provided to Experian.
Product: Credit reporting or other personal consumer reports

Ive reached out to XXXX, TransUnion, and XXXX in writing requesting the process by which they verify public information that they are reporting on my name. I still have not received any response. The request I have made to them is below : PLEASE SHOW ME VERIFICATION THAT FOR ALL THE INFORMATION REPORTED ON MY CREDIT IS BEING TAKEN FROM THE ORIGINAL SOURCE. ANY THIRD PARTY INSTITUTE OR SOFTWARE IS NOT SUFFICIENT TO PROVE VERIFICATION. THE COURT ALSO DOES NOT RECEIVE ANY DATA FROM YOUR COMPANY SO I NEED PROOF OF VERIFICATION THAT YOU ARE USING THE CORRECT SOURCE. 


XXXX XXXX XXXX : Bankruptcy Original filing date : XXXX XXXX XXXX Reference Number : XXXX Record Type : Voluntary XXXX Court : US BKPT CT CA L A TransUnion XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX XXXX  Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX XXXX XXXX XXXX : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX, XXXX Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX
Product: Credit reporting or other personal consumer reports

I discovered incorrect late payment records on my credit report that dont match my usual payment activity. Please fix these mistakes and update my account.