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

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto insurance policy opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 am writing to address a serious issue regarding account XXXX  XXXX on my credit report that is reporting inaccurate information. The payment history for this account is entirely incorrect, with XXXX account showing XXXX in XX/XX/year> while another bureau reports 150 days late in XX/XX/year> which is a clear violation of the Fair Credit Reporting Act ( FCRA ). From then on, the payment history is inconsistent with each bureau reporting different information. There are different open dates being reported, as well as the date last active which is very crucial and looks as if it has been re-aged. I previously notified you that I would be seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Your response stating that XXXX had filed for protection under Chapter XXXX of the XXXX XXXX  XXXX in the XXXX XXXX of Texas, does not address my concerns about the inaccurate reporting. Your response did not confirm or deny the incorrect information, nor did it address my request for the accounts to be updated to paid as agreed, never late. This lack of resolution is unacceptable. I am requesting that you remove this information immediately from my credit report. Failure to do so will result in further action.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Accounts XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$560.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

code 15 USC 1692c states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XX/XX/2023, an account was opened unaware to my knowledge & ive been trying to close it since. they have been sending me multiple emails calls etc after telling them i never had that card. they charged it to my credit anyway.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 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
Product: Debt collection

I don't recall having a contractual relationship with this collection company. I am requesting to give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

In XX/XX/XXXX I noted a collection on my account from the collection agency of ARC, For almost 700 $ original debt was from utility XXXX XXXX XXXX XXXX XXXX. I immediately contacted the collection agency, and requested details of the debt. I found that my information had been used to obtain services in a state I was n't even living in during a portion of service. From XX/XX/XXXX to appx XX/XX/XXXX someone was without my permission using my name through XXXX XXXX XXXX. When I contacted ARC they informed to get a police report, type a letter for  why I was disputing and send it in. After I had sent them the information it took several months but inXX/XX/XXXX the account was closed, and removed from credit. Then just over one month later the collection is back on my report, I never received any notice of this what so ever. How can something that was closed and proven to be identify theft by the collection agency be reopened again by the same agency. What are my rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened XX/XX/XXXX in my ex husband 's name. Now is showing on my credit report. I paid balance in full on XX/XX/XXXX and was told to file this complaint to have it removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one of the XXXX diesel vehicles that was bought back in XXXX of 2017. The account still reflects being open on my credit report when it should obviously be a closed account. The balance reflects XXXX  which means it was updated appropriately, but the account there is no reason for the account to still be open.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report the account listed as XXXX XXXX incorrectly. The account has several inconsistencies which means it has not been properly validated. Furthermore any account charged off with a balance over {$1.00} that credit balance is due to the consumer so how is this account reporting a high balance and several late payments. 

Account Type - Detail : Flexible spending credit card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$13000.00} {$13000.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
Accounts closed by credit grantor Amount XXXX XXXX XXXX XXXX credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY Remove all late payments and negative items on my account, and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Upon submitting several disputes with Discover Bank and the credit reporting agencies, I learned that Discover Bank refuses to provide me with a full detailed transaction and payment history. After several requests for supporting documents to validate this alleged debt amount, Discover Bank Representative XXXX, during my last discussion via phone informed me that Discover Bank does not have a full and/or complete transactions and payment history of my account. In addition, he went on to verify that Discover Bank purged my file and that there were no transactions and/or payment history dating back before XXXX XXXX It should be noted for the past XXXX years, I have been disputing with Discover Bank and all three credit reporting agencies to report the correct balance. I told them my issues with the transactions and payments. However, my credit report balance dispute investigations continue to conclude as XXXX. Please note that XXXX, XXXX, and XXXX are no longer investigating my disputes regarding Discover Bank. They informed me to contact Discover Bank directly or I have to subpoena the courts to get my completed proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my report there's fraudulent unknown inquires on my credit report mostly on the date of XXXX, 2017, and others
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card

Amex XXXX Cardholder for over 10 years. XXXX stated on annual fee of {$450.00} for my wife and I ( joint account ). For the first time since opening the account we have been billed an additional {$170.00} annual fee for my wife which is not part of the T & C 's and Amex will not honor the disclosed XXXX 's after multiple calls. This is a clear UDAPP issue and no prior notice has been provided.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that I have two late payments on the account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy, I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XX/XX/XXXX ) ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact they we're never late. Thanks. Please see screenshots attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my Eqifax  credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Equifax has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of XXXX
Product: Mortgage

Freedom Mortgage had spoken with me about my payoff back in XX/XX/XXXX. It was supposed to be XXXX. But now as of today XX/XX/XXXX the payoff was XXXX. I had my loan in deferment due to Covid but elected to pay back in payments, not a lump sum. They took the sum from my payoff. About XXXX total without any consulting with me or notice. They also did not explain this process to me when they explained the COVID forbearance action.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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: Checking or savings account

I open an account with capital one checking and they closed account because they said I was using XXXX too much. There was a balance in the account of {$91.00} they claimed they sent me check which I never received. I called them several times and nothing was resolved. Its been about 2 years and they did not send money nor send money to state of Florida treasury unclaimed property.
Product: Credit card

Amex Hilton Surpass claimed to have XXXX times of Hilton points when paying in Hilton XXXX including XXXX by Hilton. 

However I paid on XXXX by Hilton XXXX XXXX XXXX, it only gave me 3 times of points. 

I already notified Amex that, and uploaded the XXXX slip and hotel bill from that XXXX XXXX as my proof of hotel stay.
Product: Credit reporting or other personal consumer reports

Was on the customer support message board with her for like 30 minutes. We tried multiple times to access from divert sources. Could not identify my credit report
Product: Debt collection

I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

A man called from XXXX XXXX XXXX on Friday XX/XX/2021, at XXXX stating he was from the Law Office of Mitchell D. Bluhm and Associates , LLC to speak about a personal matter. The man requested to verify my date of birth and last four of my social security number. He stated them as they were listed in his records to me. I stated that I would not be giving any information until I knew exactly what the personal matter was for as I had already mailed a request for validation of the debt they claim I owe. I sent a letter on XX/XX/2021 requesting a validation of the debt they claim I owe to them. I specifically stated in my letter to cease and desist all communication until I had received information back from the office and for 30 days after to review the information. I have not received any information nor the return receipt that I sent with my request. I requested VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. According to my rights the Law Office of Mitchell D. Bluhm and Associates, LLC has violated the Fair Debt Collection Practices Act and Defamation of Character.
Product: Debt collection

They sent letter saying I can get my assistants takin away So I called they wanted me to pay {$100.00} I said I can pay {$10.00} a month he said I want to see if u will be honest so I will take it someone said if I was going to get the house I said no he said why u pay it I said to be honest he said they done repo it I said yes he said u live on fixed income u ca n't afford to buy home if ur not going to live there I was scared they take my XXXX I do n't know the law like the guy on phone now I guess because I sent {$10.00} I can get sued if I do n't keep paying the guy said he was n't going to make me pay but wanted a {$100.00} I have XXXX I believe letter take my money away