23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section XXXX ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/2015 Balance {$7900.00} and XXXX XXXX XXXXXXXX Date opened XX/XX/2015 Balance {$2300.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Asked for a debt verification letter from NATIONAL CREDIT ADJUSTERS , L.L.C. My information has been breached and identity may have been stolen. Never received anything from NCA XXXX. Disputed debt with XXXX, XXXX and XXXX and account still remains on my credit report
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : 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. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting Act : 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. 

In accordance with the Fair Credit Reporting Act 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, credit repair services, or other personal consumer reports

Unknown inquiry on my credit reports from Credit Plus XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or my credit be ran, nor any account by this organization! Also, do I know who they are! I also have a identity theft report filed with my local police department.
Product: Student loan

Since XXXX XXXX, I have been receiving information from Navient that my interest-only payments will be ending soon. Just today, XXXX XXXX, XXXX, I receive such an e-mail notice. I kept logging into my online account information with Navient, and that information noted that the Interest-Only-Payments will be ending XXXX/XXXX/XXXX ( see attached ). I decided to call to see what the urgency of the e-mail alerts about the payments ending soon. The online rep checked my account and stated that there is no such information about the IOPs ending in XXXX. While the rep was on the phone, I logged into my account, and sure enough the loan details stated that the IOPs would be ending in XXXX. She pretended not to have that information until I became very firm in my voice that the XXXX was, indeed, posted to my account. Then the Navient rep stated that the information needed to be updated and that the deadline was XXXX XXXX, XXXX -- this was the first time I was given a date. I asked my payments because in those alerts and online there is no mention of the updated payment amount. The rep stated that my payments would be {$220.00}, and I informed her that there needs to be a payment adjustment because I was on XXXX and no way could I make this payment on short notice nor in the future. I asked to speak with an account specialist, and she attempted to find an alternate program and discovered that the phone rep had given me the wrong information regarding my payments. The payment adjustment for XXXX XXXX, XXXX will be {$85.00} and not {$220.00}. This is nothing more than a payday loan establishment with the interest rate climbing by the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/09 I applied for a loan with Transform Inc. They said they could loan me XXXX which I never received. Instead on my credit report shows I owe a company called credit builders {$390.00}. 
XXXX dollars was taken out of my banking account. I reached out XXXX XXXX immediately because I wasnt sure if it was fraud. All I got was a voicemail. You can not speak to a human. So in panic I signed up for XXXX XXXX XXXX, which is XXXX a month and took me lots of time to figure this, a couple days later I did get a text from XXXX XXXX. No one at this company ever calls you on the phone. They do everything by text or email. I feel that this is a bait and switch company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  XXXX XXXX  Account Number : XXXX
Product: Mortgage

In XX/XX/2023, My mortgage company paid property taxes on my behalf in the amount of {$920.00}. My XXXX statement showed that I owed the amount of {$920.00} plus my regular payment of {$590.00}, totaling {$1500.00}. This is the amount that I paid on XX/XX/XXXX. When I received my XXXX Statement, I saw that the payment had been entered as 2 regular payments of {$590.00}, and an optional fee of {$320.00}. I have contacted the company 3 times and the error has not been corrected. At this point, I don't know what I should do.
Product: Credit reporting or other personal consumer reports

formally dispute the accuracy, completeness, and validity of certain items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. The following account ( s ) appear on my credit report and contain inaccurate, unverifiable, or potentially misleading information.
Product: Credit reporting or other personal consumer reports

I have and account that is showing 2 late payments in XX/XX/XXXX, XX/XX/XXXX that i was not late for. I received no bill for these months but was on auto payment anyway so have no idea how it is showing as two late pays on my account, I have not gotten a good breakdown as to how i was late both of these months. I've tried challenging the reporting with the bureaus but have had no success in getting information of the items removed. Please assist me in getting some answers here. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX loan the amount {$1200.00} ( charged off ) XXXX XXXX XXXX XXXX XXXX loan the amount {$22000.00} ( charged off ) XXXX XXXX XXXX {$140.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Deposit Balance on XX/XX/XXXX Loan Amount {$140.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$140.00} Original loan amount - XXXX XXXX {$1800.00} Closed Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Balance on XX/XX/XXXX Loan Amount {$1800.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$840.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$2100.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer XXXX Original creditor : XXXX XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX All accounts above are fraudulent references to Identity theft/ fraud police report # XXXX filed when notice Credit inquiries and unknown accounts tried reaching out to creditors numerous of times about this issue with little to no results. 


XXXX XXXX XXXX {$3300.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Account above was paid off XXXX XXXX And now is back reporting on my account with negative impact to my credit report
Product: Vehicle loan or lease

Chrysler Capital. 
Account # XXXX. 
Date of missing payment in question XXXXXXXX XXXX XXXX 
I have proof it was paid, sent them a fax they said they could not read it.
Product: Credit reporting or other personal consumer reports

Company incorrectly reported account 30 days past due in XX/XX/. My account was in forbearance. I submitted a request for correction along with proof my account was in forbearance, and the little snakes are claiming it was past due. Another agent I spoke with said it didn't matter, once they make a report they won't correct it, even though my account wasn't past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately. 

US DEPT OF ED/XXXX/XXXX  XXXX {$7000.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$21000.00} XXXX   XXXX  XXXX XXXX {$0.00}
Product: Debt collection

I received a call on Monday, XX/XX/2022 and missed it. Upon looking up the phone number, I realized it was a collections company. Having dealt with their tactics 6 months prior in regards to identity theft on my wife, I immediately called MRS Associates back. I was advised of an outstanding balance due under my name and social security number for XXXX XXXX. I advised them this was identity theft and that I have never opened an account with XXXX, nor have I ever lived in Texas, which is the address on the account. MRS Associates advised me that I needed to file a police report stating as such and email to them. I submitted the requested documentation, including the police report, placed a fraud alert on my credit file, and still MRS Associates attached a delinquency on my credit account with all 3 major bureaus. I maintain a credit score over XXXX and now have wasted hours of my time and lost over XXXX points on my credit score because of their dishonest tactics when I was very transparent with them. XXXX XXXX XXXX XXXX is a collaborator with the criminals in these situations in allowing accounts to be opened without proper verification.
Product: Credit reporting or other personal consumer reports

Complain against XXXX XXXX XXXX and I request to opt out from XXXX XXXX XXXX they are making it difficult even after providing name, address and social security number as all other forms i submitted to other companies they should simplify the process and remove my information Additionally, ARS Advanced Resolutions Services , Inc should provide an online application option to avoid making it more difficult and costly for us. Please cease all my information form any secondary credit bureau for my husband and i to prevent solicitation and identity theft this is my privacy right and i should not jump thorough hoops to request something we didnt consent to. 
Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX ) was written off {$9500.00} Section 807 of the FDCPA 15.USC~1692 ( e ) ( XXXX XXXX XXXX XXXX ) {$2700.00} DEPT Written off as well XXXX XXXX XXXX  ) {$420.00} XXXX XXXX ACCT {$55.00} ALL DEPT WRITTEN OFF NEED THEM REMOVED FROM CREDIT REPORT UNDER SECTION 807 of the FDCPA 15.USC~1692
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you guys a while ago asking about those negative items After the investigation, the items were deleted. Unfortuately, the joy was short-lived. The items have returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 16811 ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I haven't received any of this, because of this, I am demanding you remove all information associated with these debts from my credit report instantly! If the information isn't removed from my credit report in 15 days I will be forced to start Litigation and file a complaint with the Consumer Financial Protection Bureau ( CFPB )
Product: Debt collection

I recieve phone calls all week long and I just received a dozen letters in the mail. This is workers comp and not once in the process did anyone bill correctly. I do not want to be harassed about this anymore.
Product: Credit reporting or other personal consumer reports

Experian 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 recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence of furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Accounts include the following : XXXX XXXX in the amount of XXXX ; XXXX XXXXXXXX XXXX in the amount of XXXX ; XXXX XXXXXXXX in the amount of XXXX ; XXXX XXXX in the amount of XXXX and another amount of XXXX ; XXXX XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXXXXXX XXXX XXXX in the amount of XXXX.
Product: Debt collection

On XX/XX/2018 a letter was sent out to me disclosing an alleged debt that I owed. The company Medical Data System INC. has medical information about myself that I did not authorize there for medical data system is in direct HIPPA violation. These accounts need to be immediately removed from my credit file and delete it from all three credit bureaus XXXX XXXX XXXX
Product: Debt collection

I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form.
Product: Credit card

On XXXX I purchased furniture at Ashley Homestore and wanted to take advantage of their advertised no-interest credit. I purchased {$2700.00} of furniture and was initially pre-approved for {$6000.00} of credit. There then was a problem finishing the application- the store clerk and I had to call the Synchrony company. I talked to a person who finished my application and then said it was denied. My credit score was XXXX on that day and is now XXXX. I asked why and was told a letter would be mailed explaining why I was rejected within XXXX days. Its been XXXX business days and I have not received a letter. Reference was XXXX.
Product: Bank account or service

Capital One is changing my bank account without my permission. They are changing it so that I no longer receive rewards. I used this bank for everything, and now I have to go through the hassle of moving all my money elsewhere. This is not acceptable. They should not be able to just force you to change. I agreed to this account, not to some other account. They should have to pay me for the time it takes me to move to a new bank because of their horrendous customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I disputed that various collection accounts with Equifax as being inaccurate as these items are the result of identity theft. FCRA requires Equifax to verify the validity of these accounts within 30 days. If the validity can not be confirmed, they are obligated to remove it from my credit. Despite my attempts, Equifax continues to report unconfirmed, unverified derogatory accounts on my credit report. These inaccurate reporting is penalizing me unfairly and illegally. This is also causing me distress as it is severely damaging my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXXXXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$70000.00} EQUIFAX INQUIRIES : XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX
Product: Checking or savings account

Pnc is blocking me from using my account on certain applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with unauthorized fraudulent inquiries