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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX U.S. Bankruptcy Court Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX  XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$5700.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , XXXX 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 : XXXX XXXX {$11000.00} XXXX {$11000.00} XXXX {$0.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$31000.00} XXXX XXXX  XXXX {$14000.00} XXXX {$0.00} XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX {$58000.00} XXXX XXXX {$2800.00} XXXX XXXX {$4600.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$27000.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$76.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX  XXXX {$1300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # [ Enter Complaint # from FTC report ] 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: Checking or savings account

XX/XX/2021, Wayfair debited from my checking account for merchandise I never ordered or received. This occurred 2 times on the same day. One amount for {$800.00}, and the other {$180.00}. I did not order these items. Additionally, my bank charged me a {$30.00} processing fee. 

I have contacted Wayfair via the telephone and was told this matter was going to be referred to Wayfair 's XXXX team. 

To date, I have not received a credit refund back from Wayfair. 

These debits from my checking account have place hardship and as a result, I am not able to pay my monthly bills.
Product: Credit reporting or other personal consumer reports

These account was previously disputed and are still in the middle of investigations because you can not make updates or corrections once a consumer mentions violations and erros they see on they credit especially if the account is closed and the credit file is locked the only thing a company can do is to submit to all applicable laws and follow the steps during investigation just asking to provide complete validation as to why this could be verifiable information on my credit file but companies have yet to conduct a full thoroughly truthful investigation and have yet to provide evidence to support all claims. 
the companies are reporting false / misleading account information that is not mine to furnish information to my credit report with consent forms, no write off receipts since a debt could be sold or no information as to how to you came up with the verification of accounts, went against my rights and ignored requests without any notification by mail with at least some internal supported documentation as to why you did but as you know reporting false inaccurate information on someone credit file is against the law FCRA section 611 & section 623 ( e ) so Im demanding you to delete all accounts listed from credit file now and do not give access to a third party source to view /make new updates with your bureau consent unless its sign by applicable laws showing i gave access to my credit file no tradelines are authorized no charge offs with no reciepts of sales are authorized ... ... .... I have shared and been sharing all enclosed documentation showing all inaccuracies and all valid proof you are in fault and not follow your govern laws. So why can't you do the same for me?. A computer generated response is not supported documentation ; it's false/misleading. 

Once again because i know you're not blind or maybe a real person is not conducting the investigation which is a violation of my rights i'm gon na say this again ; Provide evidence 2 ) conduct a personal investigation not a computer generated 3 ) contact your creditors ask to confirm a deletion of each account they can not properly validate and provide evidence to 4 ) within 3 to 4 business days after you have clearly saw the violations delete all furnishing data and send an up to date report to the address above. 

NOTE : iIF YOUR COMPANY STILL WANTS TO PLAY THE COMPUTER VERIFICATIONS GAMES, BE READY TO BE FINED XXXX PER VIOLATIONS, PAY COURT FINES FOR IMPROPER REPORTING MISLEADING INFORMATION, HAVE LAW AUTHORITIES AUDIT YOUR COMPANY BECAUSE YOU AGREED TO LIE AND DO FRAUD AND MORE.
Product: Credit reporting or other personal consumer reports

credit was obtained in my name but was canceled because of alert also credit being applied for in my name
Product: Debt collection

Account Name : TD BANK XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

TNXX/XX/XXXX account # XXXX was paid and closed in XX/XX/year>2023 and is still being reported on my credit report and is hindering me from obtaining credit.
Product: Credit reporting or other personal consumer reports

On my personal account has more than one phone number and it should be one number and that number is XXXX  My current address is one and they have many addressesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report XXXX XXXX and noticed some things are incomplete and not accurate. 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. These accounts [ Exeter Finance LLC of Account & XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # [ XXXX  XXXX ]. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your respons
Product: Debt collection

XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attached a my identytheft report Thanks for giving this letter your prompt attention..
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX XXXXXXXX XXXX XXXXXXXX. These accounts are not related to any transactions made by me, the consumer.
Product: Consumer Loan

My car was repossessed on XX/XX/2017. It was a Sat and all the businesses to get the situation handled were closed, so I had to wait until Monday. That Monday ( XX/XX/2017 ), I called Toyota and the first man that I spoke with told me that the amount would be {$710.00} and some change. I informed him that I could pay that and he said that I needed to wait for a letter that states the rest of my fines and that they had 3-7 days to get the letter. I asked what fines and he stated that of the towing company. With that being said, I called XXXX in XXXX which is where my car is. I asked them what the amount was going to be to be able to get the car after I pay Toyota and they stated that they were waiting for Toyota to send them the letter and without the letter they ca n't tell me anything. We have been struggling and I understand why they took the vehicle but I have been trying to pay Toyota now for 5 days and today marks the 7th day that my car is still in the impound. I have no idea how much money is accruing everyday on their lot, Toyota wo n't even let me pay them and I have no idea what else to do. I am XXXX and just wanted to get the situation handled as quickly as I can and Toyota is making it impossible for me to get my car back. I have been willing and offering since day 1. My husband and I were struggling to make payments and have told Toyota that we understand why they took the car but that we just want to get it back. I have spoken to managers, I have called at least 3 times a day since that Monday and still have gotten nowhere. I have appointments coming up ( I have XXXX ) next week that I have no idea if I will be able to go to because I do n't know when they are going to receive this letter that they keep talking about and not taking a payment. Everyday the cost increases. We are already struggling and the process to get our car back only racks up more charges and makes it more and more expensive. They say that the letter is required by the state but I have not seen anything in my research about this letter but what I have found is that I am not the only one in this position. They have even taken full payments before and still make their consumers wait 10 days before being able to get their cars back. Ridiculous. I am a willing customer who understands why her car was repossessed and have tried and tried to pay to get my car back and am constantly being pushed back. My husband is on the road and I have no other means of transportation and I am XXXX. I do n't know what else to do and need help.
Product: Checking or savings account

I was scammed out of {$600.00} for a puppy that was promised, and was never delivered. Over the last two months since XXXX, I've sent {$200.00} every month to secure the puppy through XXXX XXXX. Once the puppy was never returned I requested refunds from the people who stated they had the puppy, and was turned down. XXXX XXXX states that there was nothing they can to do but to make a police report, and call my bank. I immediately filed a claim with Chase Bank on Monday XXXX just to find out today my claim was denied. I am out of {$600.00} during a pandemic and was trying to get a puppy for my daughter for XXXX and is extremely frustrated. I just want my money back to find a puppy for my daughter. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and noticed some inaccuracies. I as the credit bureaus to verify and Experian removed the accounts. I sent the results to the XXXX and XXXX but the continue to say the information is correct. My question was if Experian found the items to be incorrect how are the verifying the data. All report must be a the same on all three reports. Experian then, reinserted the accounts without proper notification as required. Under fcra sec 1681i sec 611. the following accounts are listed below. 

XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX dealer # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX In accordance with to the FCRA these creditors have violated my rights under the following credit reporting laws 15 U.S.C 1681 sec 609 PART 5 15 U.S.C 1681 sec 604 A sec 2 15 U.S.C 1681 sec 602 A
Product: Checking or savings account

On Thursday, XX/XX/2022, I mailed three checks by putting them into the mailbox outside of the XXXX XXXX XXXX XXXX. 

Check # XXXX was made out to my sister XXXX XXXX XXXX for {$2400.00}. 
Check # XXXX was made out to my brother XXXX XXXX XXXX for {$2400.00}. 
Check # XXXX was made out to my brother XXXX XXXX XXXX for {$2400.00}. 

All three checks were signed by XXXX? ( XXXX XXXX XXXX  and deposited into his or her bank account at Bank of America, and the money was taken out of my account on XX/XX/2022. 
I do not know the place and bank account number where the money was deposited because in the three months since this occurred I only spoke to a person from Bank of America the day the money was taken from my account and Bank of America recognized this as fraud. Since then, I have never received a call back from anyone even after numerous calls to Bank of America. I have only spoken with those who answer the phone or someone who can not give me information on the case, and each time was told that someone would call me back but that has never happened. All I have been told is that Bank of America has the money, but it has not yet been returned to me. The XXXX number from Bank of America is : XXXX. 
My bank, XXXX XXXX XXXX, filled a report against Bank of America on XX/XX/2022 and has not yet received a response from them.
Product: Mortgage

House was in foreclosure in XXXX due to ex wife not paying mortgage. I had to contact congressman XXXX as Carrington Mortgage Services , LLC would not accept payments from me although I held the mortgage. Once the congressman helped me, I brought the mortgage current and never missed a payment until I was XXXX and forced to go on XXXX XXXX in XXXX for one year. During this period, I tried desperately to get Carrington to work with me in an effort to make lower payments, which would of been Loan Modifications. Carrington would not work with me in any capacity. I was awarded a Chapter XXXX case in XX/XX/XXXX. Since that time, I have complied with any and all request from my attorney, Carringtons attorneys, and the courts to resolve this situation. Carrington has continued to file for Motion to Continue status, requested the same paper work of financial status at least 6 times claiming it was lost or never received, missed deadlines by not responding to the bankruptcy courts, not shown up for court hearings, and in general, I believe going out of their way with these delay tactics. This is costing me unnecessary time, stress and money, and has now cost me my marriage. I want to stress that Carrington Mortgage Services , LLC, has been delaying an outcome since prior to the COVID pandemic. It is my wish that you can investigate Carrington, force them to bring this situation to a close by helping me get the loan modification that my attorney has presented. I dont want to lose my house, I have not walked away from my financial obligations, nor have I not complied with any and all requests. I hope and pray you can help me.
Product: Debt collection

2 to 3 phone calls a week from XXXX claiming I owe {$140.00} and they want there money. I donot owe them any debt. 
They leave options on how to pay this debt and claim to be Penn Credit
Product: Debt collection

I have received countless emails from LVNV FUNDING LLC for harassing me. I sent them a certified stop cease letter 6 weeks ago, but they are still emailing me nonstop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter on XXXX to all 3 major credit reporting agency regarding some inaccurate accounts on my credit report. its been 3 month and I have not gotten a response yet. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, and XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX has violated my rights. 

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 : Its also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

Portfolio Recovery is the name of the company. I have no idea who this company is. This company calls my phone multiple times a day everyday all week constantly. The company never leaves messages nor voicemails just constantly ringing my phone from hundreds of different numbers but they all show on my caller ID as Portfolio Recovery. This is harassment now. I'm tired and I have tried all kinds of blocking services but somehow they still get pass the blocking and call from multiple numbers. The last call was today at XXXX pm and the telephone number was XXXX. Please help stop the annoying calls. Thank you.