23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I took out a pay day loan on XX/XX/2022. I was given the money but then I was sent to the XXXX  hospital for a mouth. I was not get a paycheck. So when I got out I had to restart working. I called them right away stated what had happened and to see if they would work with me. They said they can't work with me and that I need to start paying double payments. I was not able to because I was getting less than 35 hours a week. Then I notice on my last paycheck that I received on XX/XX/2022. XXXX XXXX XXXX garnish 15 % of my paycheck which was about {$150.00}. I called my human resource office and they stated that they have a wage collection paper that I have never signed. I was never sent to court or served papers for this. I took out the amount of {$350.00}. According to XXXX XXXX XXXX  I owe the company over {$1100.00}. I was not servered paper work from small claims court or severed paperwork from a judge. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of Identity theft. XXXX XXXX XXXX Reprted fraudulent accounts to my credit report. I ask that this fraudulent accounts be removed immediately.
Product: Credit reporting

I get an account report with XXXX and experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around
Product: Credit reporting or other personal consumer reports

These accounts have been erroneously reported on my credit file, and I am exercising my right to dispute and investigate them. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I have filed several disputes with XXXX XXXX and XXXX this has been paid in full and settled on XX/XX/2024 Resurgent/LVNV Funding LLC/XXXX  states it take 30 to update with the credit reporting agencies. This unacceptable!!! As a consumer I shouldnt have to wait 30 days to have my credit reports updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXX have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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 Balance {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with Navy Federal Credit Union XXXX Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Navy Federal Credit Union Home Loan ) making the report is not included on my consumer report. Navy Federal Credit Union, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent a letter to this company to validate this debt and they did not respond
Product: Credit reporting or other personal consumer reports

Someone using my ssn for capital one credit card which is effecting my credit score.
Product: Money transfer, virtual currency, or money service

Ally Bank has no way to delete XXXX recipients on it's website. 
It doesn't exist at this point in time apparently. I can create them but can't delete them if they are incorrect or no longer used. 
Also it's 'bucket system ' doesn't work. Transfer into Ally Buckets doesn't work at all. 

Customer Support takes 25 minutes or more. I just want to talk to someone period. Companies should be required to respond with in a 5 minute time period. Chat is no better. I tried both chat and was on hold for at least 20 minutes this morning!!! 

Chat was as follows : What do you need help with today? 
Checking, Savings or CD Read You - XXXXXXXX XXXX You're connected with Ally Assist, our XXXX XXXX 
XXXX- XXXXXXXX XXXX Hi. How can I help? 
Ally Assist - XXXXXXXX XXXX Why can't I delete XXXX XXXX!!!!! XXXX XXXX - XXXXXXXX XXXX Sounds like you need help with XXXX. Which of these do you want to do? 
Ally Assist - XXXXXXXX XXXX Something else Read You - XXXXXXXX XXXX I'll pass the chat to an associate who can help you more. 
Ally Assist - XXXXXXXX XXXX Our team is swamped it may take an hour or longer for an associate to connect. 
XXXX- XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Transunion XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$570.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$230.00} **Inquiries** XXXX XXXX  ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was not properly or reasonably protected by Equifax and was subject to the recent data breach they are involved in.
Product: Debt collection

In XX/XX/2024 I got a notice on XXXX of a Collection Debt from Certified Collectors-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Phone number ( XXXX ) XXXX. The amount was for XXXX for an XXXX  bill. 
I filed a dispute and asked for a Debt Validation Letter. On XXXX the record was deleted from XXXX, and no letter was ever sent to me. 

Today XXXX this exact same company for the exact same bill, put this out on my XXXX file. What's next .. XXXX XXXX 

I feel this is harassment as they are trying to collect on something that has never been proven to be mine. Changing Credit bureaus does not make it legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XXXX XXXX XXXX. Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you
Product: Credit card

to whom it XXXX concern, i have been a vitim of fraud for years. i have placed several blocks on my credit, and even have frozen my credit over the years due to being a victim. 
Recently, someone tried to open an account under my name from paypal credit. 
fraud case number XXXX. According to the fraud XXXX i need to block all the credit bureaus. 

please give me the steps to move forward with this matter XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXXA Date of inquiry : XXXX Delete!! 

Unathorized inquiry. 
XXXX XXXX  Date of inquiry : XXXX Delete!! 

i noticed this issue in XXXX incorrect information needs to be removed : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employment info : XXXX XXXX XXXX Under15 USC 1666b this late payment entry is a violation.I have beeen incorrectly billed. 
XXXX XXXX Account number:XXXX please update the status of this account to " paid on time ''. 



This account needs to be validated. 
XXXX XXXX XXXX Account NumberXXXX This account needs to be validated. 
XXXX XXXX XXXXXXXX Account number : XXXX This account needs to be valited : XXXX XXXXXXXX Account numberXXXX This account needs to be validated. 
XXXX XXXX XXXX  Account numberXXXX This account needs to be validated. 
XXXX XXXX Account numberXXXX This account needs to be validated. 
XXXXXXXX XXXX XXXXXXXX Account number : XXXX This account needs to be validated. 
XXXX XXXX XXXX Account numberXXXX
Product: Credit reporting or other personal consumer reports

On this date XX/XX/XXXX The Credit bureaus stated Accounts XXXX XXXX XXXX XXXX Account Number : XXXX ) ( XXXX XXXX Account number : XXXX ( XXXX Account number : XXXX ) were properly investigated but how is that possible if the status updated reported is inaccurate, the balanced updated is inaccurate, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and Transunion XX/XX/XXXX, last payment inaccurate with different dates being reported ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Transunion No information being reported. Also this account was in good standing XX/XX/XXXX but not reported on XXXX nor Transunion. Also this account was reporting charge off from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and also reporting charge off for different dates on XXXX from XX/XX/XXXX and XX/XX/XXXX which false information. This is ground for removal. This law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my report. 
Also none of these accounts are being reported or accurate across XXXX nor XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY. 

XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXX Transunion Account Name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. I am demanding removal of the listed accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of the incorrect information ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of these unauthorized inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and their unauthorized reporting practices, which have caused significant financial and personal harm. 

XXXX XXXX actions constitute willful violations of the FCRA, including : 15 U.S.C. 1681b : Reporting corporate credit information without my written consent. 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate and complete information. 15 U.S.C. 1681c : Improper reporting of adverse information without following FCRA guidelines. Engaging in deceptive practice of selectively reporting only negative information after years of not reporting one single positive account history, causing significant harm to my business and personal finances in order to force a legal settlement. Only negative items were reported when years of positives are shown nowhere on my credit report. This was malicious and willful. They continue to report negative after charge offs when accounts closed in XXXX. 

these actions violate XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) in addition to FCRA
Product: Credit reporting or other personal consumer reports

Eastern account gave you guys info regarding a balance of {$230.00} balance and when I call Eastern they said the balance is {$590.00}. More so the company XXXX doesnt exist anymore Ive been trying to contact them. The issue was they never gave my health insurance the correct code from my XXXX  done in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was involved in a data breach a few years ago. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a 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