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

Subject : Identity Theft Report Unauthorized Account with XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute an unauthorized account that has appeared on my credit report under my name. The details of the fraudulent account are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> I did not open or authorize this account, and I am a victim of identity theft. I request that this fraudulent account be immediately removed from my credit report and that all associated inquiries be deleted as well. 

Enclosed, I have attached a copy of my government-issued ID, a police report ( if applicable ), and any supporting documentation to verify my claim. Please investigate this matter and provide written confirmation once the account has been removed. 

I appreciate your prompt attention to this urgent matter. If any additional information is needed, please contact me in writing at the address listed below. 

Sincerely, a XXXX XXXX
Product: Debt collection

I continuously receive calls from a companies ( the name and number change each time ) with the scam stating that I owe a debt and they 're filling charges with the courts for felony check fraud if I do n't pay them money. They call my work, my husband, my family, my mother-in-law, my husband 's ex-wife and others. I told them not to call my work or anyone else and to serve or send me with papers verifying the debt. They wo n't even tell me what the debt is. That is why I know it 's a scam ... That and the fact that this has been happening for years now and still have not ever received any verification. I 'm tired of being harassed. 

The latest call to my mother-in-law was from a place called Bronstein XXXX XXXX from XXXX. My husband received a voicemail from an unknown number to call back at XXXX. The guy said that court papers were being delivered to my work and home for failure to comply. He did not mention his name or the company 's name. My husband saved the voicemail.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX HAS BEEN CONTACTED SEVERAL TIMES THAT 2 ACCOUNTS ARE ON MY XXXX CREDIT FILE THAT ARE FRAUD. I WILL BE FILING LEGAL ACTION AGAINST XXXX XXXX XXXX BY XX/XX/scrub>/2025 IF THESE ACCOUNTS ARE'T OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover the same error and inaccuracy that I already raise and dispute to your agency. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681.

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX 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 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 yea
rs.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Cash App Information : XXXX XXXXXXXX XXXX XXXX Dates of Fraudulent Transactions : Year XXXX XXXXXX/XX/XXXX at XXXX ( Logged out ) this was not me XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX ) This was not me XXXX XXXX {$1500.00} XXXXXXXX XXXX ( XXXX XXXX ) This was not me XXXX XXXX {$20.00} XXXXXXXX XXXX  ( add money ) This was not me XXXX XXXX {$50.00} XXXXXXXX XXXX  ( add money XXXX This was not me XXXX XXXX New device login at XXXXXXXX XXXX XXXX logged out ) This was not me XXXX XXXX {$2000.00} XXXX XXXX ( payment ) This was not me XXXX XXXX {$1000.00} XXXX XXXX ( payment ) This was not me XXXX XXXX {$2000.00} XXXXXXXX XXXX  ( payment ) This was not me XXXX XXXX {$2500.00} XXXX XXXX ( payment ) This was not me XXXX XXXX {$1000.00} XXXXXXXX XXXX ( it services ) This was not me XXXX XXXX {$50.00} XXXXXXXX XXXX ( add money ) This was not me XXXX XXXX New device login at XXXXXXXX XXXX ( logged out ) This was not me XXXX XXXX {$1.00} XXXXXXXX XXXX  ( add money ) This was not me XXXX XXXX {$3000.00} XXXX XXXX ( payment sent ) This was not me XXXX XXXX {$50.00} XXXX XXXXXXXX XXXX XXXX XXXX  This was not me XXXX XXXX {$10.00} XXXX XXXXXXXX XXXX XXXX XXXX This was not me What Happened : I am a victim of identity theft and fraud. A man, posing as a bank security representative using the name ( XXXX XXXX ), called me on XX/XX/year>, using a phone number registered with XXXX. He contacted my banks, XXXX and XXXX XXXX XXXX, pretending to be me. This deceitful scheme allowed him to hack into my accounts. He charged unauthorized purchases to my XXXX debit and XXXX and XXXX  credit cards, submitted applications for XXXX consumer loans in my name with both XXXX and XXXX and drained all the funds from each of my accounts, leaving me with devastating financial consequences. The man also purchased items from XXXX, and XXXX using my identity and funds. 
The man funneled the funds from my bank account through XXXX XXXX, XXXX, and Cashapp. The Cashapp, XXXX XXXX, XXXX, and XXXX XXXX names were " XXXX XXXX, '' " XXXX XXXX, '' and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been and on-going issue with Experian, XXXX and XXXX as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these 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
Product: Mortgage

After two complaints with the cfpb the same problem exists recap XX/XX/XXXX ask if home could be repurchased was told yes had till XX/XX/XXXX to buy XXXX received documents from XXXX XXXX XXXX filed on XXXX eviction process had been approved XX/XX/XXXX second complaint with cfpb SHELLPOINT response was sent to me on XXXX stating XXXX XXXX has all information to repurchase home .I have been in contact with XXXX XXXX since XXXX when I received my eviction letter XXXX XXXX told me they have nothing to do with the sell or purchase of home they only filed in eviction they gave me XXXX XXXX contract information.i have been in contact with XXXX and XXXX since XXXX and both parties say no one of their contacts will let them know what to do this is the same service I received as a customer they put all matters off till you are out of time like starting the eviction process before the time they given me and refer me to people whom I've been in contact with that can't get answers either
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/2023 to remove the listed items which 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 block any items not later than XXXX business daysI sent the Bureaus letter. 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report are incorrect and need to be removed. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXXI called and the following companies need to remove inquiries done under my name that are not mine without permission Law 15 usc 1681 604 section 2 states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit card or prepaid card

Late fees on credit report is reported inaccurately.. please do a full investigation to verify late payments reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX  XXXX {$430.00} XXXX 15 U.S.C, 1681section 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and LCI continue to report a bankruptcy on my report while XXXX, XXXX and XXXX have removed it. This needs to be removed immediately from my report as it has been removed everywhere else per the attached letter from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax several Times about information on my credit report.

After the Ask me for my Full Name, DOB, Social Security number and Address they tell me that I have to sent in a copy of my drivers License, Social Security card and a Cover letter asking them the same Question, that I called for. 
Why is it that after we give them our personal information, they tell us that our questions can not be answered and want us to send personal info through the mail?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent inquiries from my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following unauthorized inquiries : Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. 

The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family. As legal verification of my identity, I have included copies of my social security card and driver 's license.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

I had made calls to Regions Bank in the XXXX and XXXX time frame for issues with them charging me overdraft fees after I would check my account and it stated funds were available. I had called they told me that the other transactions hadnt posted yet and thats why I was charged an overdraft fee since they had all cleared and put my account in the negative. I thought that was strange since the available balance had shown I had sufficient funds when I would make a transaction. Overdraft fees were at the {$36.00} amount each time it would happen. I didnt think there was anything that I could do about it, so I left it alone. However, due to the current settlement, I found that I was actually the one in the right.
Product: Credit card or prepaid card

My business checking account was debited by American Express for purchases I did not make on my Amex Plum Business Card in 2018. I have called Amex many times and submitted documentation but the issue is still unresolved. American Express continues to ask for sensitive bank documents which they know my bank will not provide in order to avoid reimbursing me. 

These are the dates and amounts debited from my checking account by Amex. 

XX/XX/2018 {$2500.00} XX/XX/2018 {$2800.00} XX/XX/2018 {$2500.00} XX/XX/2018 {$5800.00} XX/XX/2018 {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX  # 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

2 ) In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an inaccurate information on my credit report. To this day, over 45 days later, I have not received a response from Equifax and XXXX. This item was successfully removed/deleted ( XXXX XXXX XXXX ) from all three bureaus, and later re-inserted under a different name ( XXXX XXXX XXXX ) by Equifax and XXXX. I feel as though I am being taken advantage of and being ignored regarding my disputes. Section 611 ( a ) plainly states that failure to investigate the item within 30 days gives reason to immediately remove the item from my credit report. In my case, it has been over 45 days so it should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due tot he XXXX I have been caused. 

I also filed a CFPB complaint with XXXX XXXX XXXX company and received a response from them regarding this matter which I have attached to this complaint. It indicates that they had no role in re-inserting this once deleted account back onto my report under a different name and also advised me that because they had no hand in that, they were unable to remove it from my report. They apologized for the inconvenience this has caused me. 

On top of that, Equifax and XXXX are reporting this inaccurate and unverifiable information illegally. I have mentioned multiple times the inaccuracy of the term of months, high credit, last reported date, last active date and date of last payment on this item. This has caused me extremXXXX XXXX and has greatly hindered my capability of obtaining new credit. I have taken all necessary steps ( disputing with the bureaus directly, reaching out to the company directly ) & this is my last resort. Is it not fair and this item should be deleted immediately. 

PLEASE REVIEW ATTACHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a complaint. I have found one fraudulent unauthorized item listed on my credit report. The items is as follow : XXXX XXXX  XXXX XXXX {$1700.00}. I have attached a copy of my FTC Identity Theft Report XXXX for review. You have 30 days per the Federal Credit Reporting Act to investigate. Please let me know of your findings in a timely manner. Thank you.
Product: Credit card

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.
Product: Debt collection

I am writing this letter because of erroneous information on my file. I have been trying to fix this dispute, but all to no avail. I demand for comply and conform or I will take a legal action. Thank you.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, and XX/XX/XXXX I reached out to XXXX in regards to incorrect information listed on my credit report. I also filed a dispute with XXXX and TransUnion in regards to the incorrect information being reported on my credit as a balance instead of paid in full due due to the discharge letter I received. After XXXX rounds of disputes with XXXX XXXX TransUnion. They continue to certify it as true and accurate regardless of edfinancial sending updates to the credit bureaus in XX/XX/XXXX, and XX/XX/XXXX as paid in full. Also, I have filed dispute, sending them the documentation at XXXX XXXX  sent me as a paid in full letter, and they still have disregarded and continue to report balances when there is no balance to report and the account is paid in full.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 3 MONTHS 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. 


XXXXXXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX