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

This CFPB complaint has been filed to request pursuant FCRA that you, the XXXX credit reporting agency, block 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 two secure credit cards opened at XXXX XXXX XXXX  on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XXXX the account number ( XXXX ), a furniture loan at XXXX XXXX XXXX Simple on XXXXunder the account number ( XXXX ), and a collections account at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1500.00}, that appears to be related to XXXX XXXX  phone company. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or inquires as reported. The aforementioned accounts, collections, and inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and inquiries are the result of identity theft and fraud ( XXXX ). I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aformentioned accounts, collections, and inquiries the result of identity theft and fraud.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : DPEDXXXX Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX and 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: Debt collection

I sent a letter to CONN CREDIT CO for Account number XXXX asking for verification and original documention of contracts with my signature per FCRA. I was notified that this account was valid with no proof of verification or proof of fair and thorough investigation per FCRA.
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in 2024| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX credit card, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the XXXX XXXX XXXX XXXX XXXX Account N u m b e r : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A m o u n t : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to obtain credit from my bank for over 3 years. Each time to try to get my Credit Freeze Lifted my XXXX XXXX XXXX XXXX XXXX claims that they can not obtain my credit information. I get tricked into giving them my Credit Freeze Pin Number : and my credit information is being manipulated. I have been trying to work with Equifax Credit Reporting Bureau, however this company seems to not be doing a good job monitoring my credit information.
Product: Debt collection

On each of the weeks of XX/XX/2019, I inquired about an outstanding debt with XXXX XXXX. The debt was referred to Midland Credit of XXXX, IN, who had the debt for an unknown amount of time, after which, it was sold to XXXX XXXX XXXX of XXXX, KY. On every communication attempt, I have asked to please verify an outstanding debt that, according to Midland Credit , it is the amount of ~XXXX USD. The only response is that my account is on hold. 

I have an urgent business matter on hold that requires my obtaining information enough to include the outstanding amount within a real estate deal which calls for paying off the debt at closing. My home is currently securing the XXXX XXXX debt. In order to lift the lean, I need to provide the closing professionals with the address and amount of payoff. 

Please compel XXXX XXXX XXXX to respond with this information as time is of the essence. 

Thank you,
Product: Student loan

I have contacted Navient several times about lowering the payment on my private loan. It is impossible to even get a hold of them due to their horrible customer service. I will get an agent and then get transferred to a dead line, or simply the phone call will end. The times that I have been able to contact and talk to someone about my issue, they have stated that my payment will be lowered, which never happens. There is no follow through. Nothing. I have been told that I would receive a call back and I never do. They offer no options for private loan repayment. They tack on ridiculous interest rates to the point that most of the money on this loan I did not take out. This is out of control. I feel like I am a victim of fraud.
Product: Vehicle loan or lease

I was notified from the credit reporting that a loan was applied for from this company. I did not apply for a loan nor have the means to apply. My social security was stolen and I have been trying to resolved the issue. I have no credit in trying to apply for a loan.My account is flagged from all bureaus as alert on my account for fraud.
Product: Debt collection

I am writing to file a formal complaint against National Credit Systems for their egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to rectify this matter and seek validation of the reported debt, I have encountered flagrant disregard for consumer rights and substantial financial harm. 

On XX/XX/2023, I sent a demand for validation to National Credit Systems regarding a reported debt they claimed I owe. Despite this, on XX/XX/2023, they responded with a refusal to validate, failing to provide essential documentation, including a signed contract bearing my ink signature, records indicating when they received the debt, the contract with the original creditor, and the amount they paid for it. These actions not only violate the FCRA but also demonstrate their inability or unwillingness to comply with basic consumer protection provisions. 
Furthermore, National Credit Systems has been reporting this debt without my consent, a clear violation of FCRA Section 605B. Additionally, the reported debt is not legally enforceable in the state of Georgia, where I reside, as the statute of limitations on debts is XXXX years. Despite these legal constraints, they persist in reporting the debt, thereby perpetuating their unlawful actions. 

As a direct result of the fraudulent reporting by National Credit Systems, I have been unjustly denied access to credit opportunities for the past XXXX years. This includes the inability to secure financing for purchasing a home for my family, causing significant emotional distress and financial setbacks. 

Therefore, I am requesting compensation for the losses I have incurred due to the actions of National Credit Systems. I ask that this compensation align with the policies outlined by the Consumer Financial Protection Bureau for violations committed by credit collections.

Additionally, I request that National Credit Systems immediately cease all reporting efforts related to the disputed debt and remove all claims to report inaccurate information from my credit report to rectify the inaccuracies and prevent further harm to my financial standing.

Enclosed with this letter, you will find copies of all relevant correspondence, including receipts of my demand for validation and National Credit Systems ' refusal to validate, as well as any supporting documentation related to the disputed debt.

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take appropriate action to hold National Credit Systems accountable for their failure to ensure the accuracy and fairness of consumer credit reports.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX financial-delete line paid in full, never late-as show delete line from the report Consumer Disputes This Account Information Charged Off Account Account Transferred Or Sold Fixed Rate
Product: Debt collection

I have two collections agencies reporting the same debt on my credit report credit report
Product: Debt collection

XX/XX/XXXX, theft occurred with XXXX XXXX of 2 mobile phones. The perpetrator used email XXXX and phone XXXX ( neither belong to me ) in order to purchase two mobile phones using my stolen credit card number. On XX/XX/XXXX i noticed a fraudulent charge on my XXXXXXXX XXXX card for {$220.00}. I reported to the credit card, and after their investigation XXXX bank removed the charge from my account and issued a new credit card. Later in spring of XXXX the collection agency, Sunrise Credit, contacted me to collect {$3000.00}. This is when i realized there was a case of Identity Theft since the collection was associated to my social security number. 

Local police report was filed on XX/XX/XXXX with the XXXX Police Department. 

I contacted XXXX XXXX customer service, i visited their local office, and mailed them the same information described here. They would not take back the phones, they would not stop the collection agency. I have not yet heard a response from the letter that I sent. I also sent a letter to Sunrise Collection Agency and called them, resulting in no response or assistance in resolving. 

Lastly, I contacted XXXX because Sunrise Credit collection agency is on my credit report and is negatively affecting my credit score. I sent a letter to XXXX also disputing this collection and asking for the removal from my credit report. I have not heard back from XXXX on this as they are still researching.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, XXXX  and Experian removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on several occasions that these inquiries do not belong to me. I contacted customer service in XX/XX/XXXX and told them that my sister name was reporting on my credit report and that several of her information was on my file as well. They removed most of the information but these XXXX inquiries are still reporting. On XX/XX/XXXX they placed an fraud alert on my file but didnt remove the inquiries. I need these inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX all removed because they do not belong to me. Each time I contacted and wrote to Experian they came back saying please contact the company to have them removed but the companies do not have my information in their system.
Product: Payday loan, title loan, or personal loan

This loan company charges way out of control and can not keep making the payments. I have already pay  XXXX  to date. I borrow  XXXX . There interest is  XXXX  which when done would have pay {$3500.00}. Can not the time needed a loan. My fault for not paying attention to the fee or interest amount on the contract or on line. It is expensive way to go. Want others not to be scam into a loan shark at charge way to much for the loan. I could not get a loan from good company and could not borrow from family or friends. There was a family issue that needed to be corrected. I choose badly. I feel this has been pay in full. These loan companies are rip offs. People need to be cautions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ).

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX  was never late ! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reporting late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

This company states that they are arbitrator of XXXX XXXX. They state that I opened this payday loan on a bank account in my name. I do not know an information about this. This law group is using abusive and taunting tactics to exploit. I have asked several time to put all of this in writing. Apparently with their arbitrator this is in active court but can not or will not provide further information. I donor have knowledge of this and I am asking for proof of their claim or STOP CALLING and Provoking me.
Product: Credit card or prepaid card

Received a " XXXX XXXX  '' Citi credit card ( ending in XXXX ) on XX/XX/XXXX and looked similar to my other Citi " Thank you, card. I didn't apply for it, but due to the similarities to my other card, thought it was being transitioned to this new card instead. I completed the activation via the website, but was prompted to contact the fraud dept at Citi. 
Upon doing so, i began asking questions to the rep about the card and truth coming out that someone had called in from Pennsylvania on XX/XX/XXXX to apply for the card. When questioned if identifying information was requested from the applicant, I was informed that it had not been. This is a new product for CITI, which does concern me that new products are pushed heavier and that my identification was comprised along with credit report run without confirming the identity of the false applicant. 
We left the XXXX long conversation that they would close out the new card and was provided an XXXX for an investigative team that i was to call the next day between XXXX. 
On XX/XX/XXXX at XXXX, i called the number provided of XXXX, which was a fax number. 
Upon calling into CITI, I found out that the new card that i did not apply was never closed out and that an alternate card that I have, CITI Thank you ( ending in XXXX ) was closed out instead. We will now have to wait XXXX days for a team to investigate and approve that request for that card to be reopened, all while the new fraud to be closed out. I have not been made aware whether charges were made on the fraudulent card or not, as no-one was able to answer that question. 
CITI admitted that nowhere during the process of the false applicant calling in on XX/XX/XXXX that the same level of identification questions were asked and that it wasnt a red flag that the new applicants address was somewhere random in XXXX which ive never lived in. 
I have filed a police report and will be uploading the complaint to the credit bureaus. 
I have also been made aware that CITI has no intention on removing the inquiry from the credit bureaus or requesting that it be deleted, as that is my problem, per the rep that i spoke with on XX/XX/XXXX. This level of incompetence is a major burden to me and compromises my financial affairs.
Product: Credit card

I have contacted my local police department and filed a criminal complaint about credit card fraud and identity theft. This credit card account by marcus GM goldman and sachs credit card was opened fraudulently using my identity. I am a victim of identity theft and fraud. Goldman Sachs refuses to close credit card account because they think I opened it when my identity was stolen. I have taken all the correct steps but Goldman Sachs refuses to close out this fraud account. Please help remove and delete this account permanently. I am a victim of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : Under 15USC 1681b- permissible purpose 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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX NEVER gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts listed below as a consumer demanding deletion of these accountsXXXX XXXX XXXX  : XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXXE ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Fin Accts Sv in XXXX of XXXX with a debt owed of XXXX for equipment from vyve communications. Immediately during the XXXX day dunning period I called Fin Accts and reported that this was an invalid debt, no correct as I had already sent back the equipment they were saying the debt was for. The lady asked if I could send her the receipts from the postal service showing I had returned the equipment in which I did send them proof that the equipment had been mailed back, they had the date and tracking number of when I returned it. My town was hit by a major hurricane and it showed that due to postal service having NO service the equipment was sitting with the postal service. They still reported this to the credit bureaus as a PAID collection. This was never a paid collection as I proved to them that this was an invalid debt. It should have never been reported to any bureaus being the proof was sent to them. I have sent letters disputing this account as inaccurate information on my credit profile reporting to XXXX and XXXX on XX/XX/XXXX and again on XX/XX/XXXX in which no response was given to me from the XX/XX/XXXX dispute. Both XXXX and XXXX remain reporting this as a paid collection. I have never paid them anything, it should have never been added to my credit report after I proved this equipment had been returned. I didn't have to pay anything.
Product: Debt collection

binance us sent a debt collection to an agency named XXXX XXXX  and its been reported to the credit bureaus in the amount of {$4200.00}. ive never heard or been associated with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian