23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, I was railroaded by an identity theft attack that has resulted in the destruction of my credit file. I first noticed a problem when I was denied for credit and when my credit card was cancelled. Shortly after I began receiving notices from debt collectors. 

My first attempt to address the matter was to hire a company known as a credit repair service. Months went by and little was done to improve my situation. I began researching how to recover from identity theft which is when I filled out my FTC identity theft report. My FTC report number is XXXX. I printed out all the letters, reports, disclosures, proof of identity and followed every instruction. I mailed out letters to every debt collector, original creditor and all 3 credit bureaus reporting the identity theft to them. 

My second attempt was to file a police report with XXXX County Sheriff 's Office. My police report case number is XXXX. 

The results were that most creditors complied with my requests and removed the fraudulent accounts from my report. The credit bureau 's also blocked several accounts such as XXXX XXXX XXXX XXXX and Discover Financial. Over the course of these past 2 years, these accounts have popped up on my credit file multiple times which results in me spending more time printing and organizing letters, postage costs, trips to the post office, etc. They've also reported multiple account numbers at times, multiple entries and sometimes no account numbers at all. 

After 2 years of this nightmare, I am ready to have peace restored in my life. I recently went for a HELOC loan from XXXX XXXX  and was denied because on my XXXX, XXXX XXXX is reporting an account. The underwriter understood my situation but was unable to approve me due to this fraudulent and delinquent account reporting. 

Discover Financial account number XXXX is reporting on my XXXX credit file. This account was opened in XX/XX/XXXX. They are claiming the balance due as {$21000.00}. No matter how many times I have mailed Discover Financial asking for all documents regarding the account, all receipts, all statements and removal of the account they have ignored me and refused to comply. They sent me 1 packet that had 1 page cover sheet showing a statement balance. That is all I ever received from them. At this point they are interfering and violating my rights under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX is reporting 2 accounts for me, Account numbers XXXX and XXXX according to what is reported with XXXX These accounts were opened in XXXX and XXXX of XXXX. They are claiming my balances as {$27000.00} and {$30000.00}. They are also reporting 1 of  these accounts with XXXX I have never had any account with XXXX XXXX XXXX XXXX and I have never been in the military. I have mailed XXXX XXXX over a dozen times in the past 2 years asking for documentation, receipts, statements and to remove these accounts and they have refused to comply. I have never even received a response. At this point they are interfering and violating my rights under the Fair Credit Reporting Act.
Product: Debt collection

The alleged balance due was originally sent to the incorrect XXXX office for XXXX aged individuals in the above captioned case. I am not XXXX age and do not qualify under that program. My XXXX information has been listed for more than 20 years as XXXX Standard or Select. XXXX has this information, additionally, every time I am treated, they scan my XXXX card. For hospitalizations or procedures such as this, they are very diligent in getting this payment information. Due to the error on the part of XXXX, the bill inadvertently was sent to the incorrect XXXX office, hence the payment not being made. 


At this point, I was never given any debt validation or sent any copy of a contract signed by me saying that this amount was even due or that I agreed to provide you with any information. Rather, I made 9 attempts to rectify this situation and was ignored all 9 times. This is nothing short of XXXX. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/08, I sent a letter about inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Dispute Letters were all sent.
Product: Credit reporting

I was attempting to print off all XXXX credit reports. XXXX went easily and already corrected the disputes. EQUIFAX has the identity portion that must belong to someone else.This is affecting my credit as XXXX says I have XXXX things lowering my score. 
I was asked to identify myself by selecting a mortgage as well as a loan that I do not have. I owe nothing and never pay a bill late. As a result of lack of identity to their satisfaction I could go no further and did not get my report. The XXXX report XXXX I was in the middle of reading and it would go no further and they now say I can not get back in either to read or print off my free copy. Please help me .Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my car was stolen from my home. I was walking out the door to leave for work at XXXX and my car was gone. I worked closely and very diligently with my insurance company to provide every detail immediately. I was anxious to not have a car because school was approaching. I have XXXX  children going to XXXX  different schools. I needed a car immediately. XX/XX/2019 my car was considered a total loss. My insurance company confirmed they would be issuing a check and my GAP insurance would pay the reminder of the balance and that I was no longer responsible for the payments or the car. I made every payment on time while I owned the car. I was never late. I asked XXXX XXXX XXXX to not penalize me because the other companies did not provide the pay off in a timely manner. This is the only late payment on my credit report and it is reportedly negatively on my report while I am in the process of trying to purchase my first home. Please do not hold me accountable for someone stealing my car and ruining my life.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to get in touch with equifax for over a month with access to my account so I can submit a dispute. For some reason, my account can not submit disputes. 



I have called weekly since XX/XX/24, and I am told there is nothing they can do to fix my account. I have my ticket # which should be resolved, but it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Starting the XXXX of XX/XX/XXXX my XXXX XXXX which had a {$1600.00} credit balance but zero ( {$0.00} ) charge balance suddenly had charges appear. To XXXX credit I was notified of sudden charges that did not fit my pattern. They were all eventually removed from my account ( mid XX/XX/XXXX ). I found out that the person who committed my fraud problem actually changed all of my information on my account from address to email accounts. I could not verify my identity so that I could get everything monitored. I was requested to send a copy of my drivers license and a letter verifying my identity. They acknowledged the letter and reset everything. In XX/XX/XXXX I was notified of a {$2600.00} Charge Off ( CO ) from XXXX was recorded. I tried to access my account and again I was not allowed as it was not my personal information that was on my account. They refused to acknowledge my information and demanded another letter with my personal information attached. I again complied and sent a copy of my initial police report on the theft in XX/XX/XXXX. I have sent copy after copy of the report. The investigator in New Mexico has provided his personal cell phone and email address as well as the investigations department number and email for any and all creditors to validate the fraud. Now I can not get them to take off the fraud which has destroyed my credit and I can not complete the purchase of my house due to this fraud. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran. Who is XXXX XXXX XXXX XXXX and if I did not have the kindness of a relative my family and I would be homeless. Please intervene. I can provide copies of the aforementioned information.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, and XXXX are obligated by the FRCA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX, XXXX, and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report, if EQUIFAX, XXXX, and XXXX do not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB forms to audit consumers account. EQUIFAX, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
EQUIFAX Commission file number .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX North Carolina XXXX XXXX 
XXXX XXXX file number. XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( collectively, the XXXX Entities ). XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( collectively, XXXX ) for the dates associated with identity before being sold.
Product: Money transfer, virtual currency, or money service

Ive been scammed on Zelle multiple times, and with this no action has been done to assist or help me. Zelle hides behind bank apps and although can be helpful they refuse to involve actual customer assistance. I feel if you are dealing with money you need to be dealing with people and not allow scamming, exploitation or any discrepancies against their users.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a charge off for XXXX XXXX XXXX That same reporting that is listing the account as a charge off also shows a balance of XXXX. The account itself was not mine to begin with. But there is clearly a flaw in their investigation when the account shows XXXX charge off and an amount of XXXX. If there is no money owed on this account, it should not be listed as a charge off. You cant have a charge off for a XXXX dollar amount. Every time its updated theres a different remark with another item that is incorrect. As a matter fact, the trade line is now showing a charge off for the month of XX/XX/2023. When prior to this this account was many years old.
Product: Debt collection

A company called XXXX XXXX, not sure what state that is in said in XXXX I took out a loan for {$250.00}. I never did. A year later a woman was arrested for the crime here where I have lived the last 8 years. I had no idea the money was my responsibility. She served 9 months for fraud. A company called NCA kept calling me ; so I said I would just pay it so it is not a hassle later or shows on my credit report. XXXX is the only agency I see it show up on. They have never provided me with any proof where this was taken out or what date or even an ID showing it to be allegedly me. I have ZERO collections on my accounts. I do not owe any money on past accounts. This will not go away. I want to buy a house but the possibility of this coming off my record, maybe be somewhere else : not 100 % sure ; puts the year at XXXX for a fraudulent {$250.00}!! Please help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following accounts and remove them. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, XXXX, Experian, and XXXX has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX, and Experian is in direct violation of the FCRA and the XXXX XXXX XXXX of XXXX
Product: Credit card or prepaid card

They closed my account for fraud activity, when I called to let them know that I had not made those charges, now they are saying that I owe them a balance on the closed account if {$730.00}. The whole reason why they closed my account was because of the fraudulent activity so why would I pay the balance due because of it. It does not belong to me, they removed it from my credit report and then brought it back after a few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX  started I was forced as a XXXX  to search for a job. With almost no experiece I filed for many jobs until XXXX contacted me sending with great opportunities. I applied for it and got sent a check home with {$4500.00} to only buy needed materials and return what was left I could not believe it, I tried checking the check online since I thought that wells fargo could detect any fraud, but no the check was in succesfully even after a day. So I continued with the job process I was told to buy a printer for doing fax in the job and buy a laptop. The laptop needed to be purchased with a company they knew to install a software and record my hours of working. The total of this was {$3000.00} but I didnt care because they sent a check fo that. I sent the money to the company and after another day the check bouced. They scammed me and left me with nothing in my account because the school I was going for even gave a XXXX  relief and that was all I had. I contacted the bank which was wells fargo knowing that they had a finacial support according to them. I called and filled a case after making me wait months theg said that nothing could be done, there was no explanaition they just said that they checked the case and my account and that this purchased were done by myself and no fraud was seen they could not help me. I need help regarding this issue like me many have gotten scammed, and I wish I could get my money back losing this money made me even stop my studies. Please help.
Product: Debt collection

An account was added to my Experian credit report XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I called to see what this was about and was informed I had XXXX different accounts. XXXX XXXX made me aware that they had incorrect personal information for me such as email address, social security number, and address. I was a victim of Data Breach and Identity Theft and pursuant to FCRA 605B15 U.S. C. 1681c-2 and the items should have been blocked and deleted within 4 business days. I uploaded ALL the information they requested on 11/11/2024 and the worker XXXXXXXX XXXX informed me they had millions of accounts to deal with and mine doesn't take priority and that I have to wait an indefinite amount of time before my issue would be resolved.