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

I am filing this FTC Identity Theft Affidavit to report 3separate fraudulent inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer FICO credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

CFPB Complaint against Credit Reporting Agencies Experian What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard 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 hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate public record currently listed on my credit report. Specifically, the record inaccurately indicates a judgment against me, which does not exist. Upon reviewing my credit report, I was dismayed to find this erroneous public record. There has been no judgment filed against me, and this mistake is seriously affecting my credit standing. I have taken the necessary steps to address this issue and have filed a complaint with the Federal Trade Commission ( FTC ) to document the inaccuracy and its impact. Given the serious nature of this error, I urge you to conduct a comprehensive investigation into this matter and remove the inaccurate public record from my credit report immediately. The presence of this false information is unjustly damaging my credit profile and could have significant adverse effects on my financial wellbeing. 

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

CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against Equifax, XXXX and XXXX. 
I recently experienced fraud involving my information, unauthorized inquiries without permissible purpose and invalidated accounts still reporting negatively on my credit report. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax, XXXX and XXXX to date. I would like any and all accounts/inquiries removed that should not be there as they are impacting me negatively. I have been denied auto loans more than once recently due to these accounts on my credit being inaccurately reported. The companies did not receive my permission to obtain anything from my credit being as they were third parties and my information was shared without my knowledge .The collections shown are unable to produce proof of debt validation, committed auto fraud against me and the contract has been rescinded, sold my info to another company ( illegal ) or past statue of limitations and still on my report ( illegal ) never gave Equifax XXXX XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. Equifax, XXXX, and XXXX is in violation of 15 U.S.C. 16816,15 U.S.C. 1681c, [ 15 U.S.C. 1681d ] 5 U.S.C. 168le ] ,15 U.S.C. 16811, [ 15 U.S.C.

1681q ] and 15 U.S.C. 1681n, [ 15 U.S.C. 1681s-2 per the FCRA. I would like these items/inquiries removed immediately as I am not able to better my l situation with these still in place. If not I will be forced to pursue legal action and plan to seek remedy for damages. My current address is XXXX XXXX XXXX XXXX, Tx XXXX and I do not wish to have a phone number in place and am not obligated to. Any other personal information on my report should be removed as I can not be contacted through those avenues and some I do not even recognize as that information has never belonged to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed Thank you for your assistance. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed to XXXX Equifax, XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate account on my Experian credit report. Despite multiple attempts to resolve this issue, Experian continues to furnish incorrect information regarding an account with XXXX XXXX. The details of the account are as follows : Account Name : XXXX XXXX Account Number : XXXX Dispute Reason : This account represents an illegal repossession, and I am not responsible for it. 
I have disputed this account multiple times and have provided a letter directly from XXXX XXXX confirming the details of the illegal repossession. Experian remains the only credit bureau reporting this account. 

I am including a copy of my credit reports from all three credit bureaus, highlighting that Experian is the sole bureau furnishing this account. Additionally, I am attaching the letter from XXXX XXXX once again for your reference. 

I request that this account be deleted from my credit report due to its inaccuracy. If Experian fails to delete this account promptly, I will proceed with legal action to address this violation of the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX  WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00}
Product: Debt collection

Harassing phone calls for XXXX years. I do not owe any money to anyone, this was always a mistake. Told them by phone. Sent them a letter through their organization. Reported them to XXXX. Notified the Attorney General of Virginia. They have called at XXXX on Sunday morning, all hours day and night. It stopped in 2011 after the attorney general notified them to stop. Recently it has started again and I want it stopped before I explode. I am XXXX vet with XXXX and need to have the harassment stop. It is insane that someone who 's paid every bill over his lifetime should be bothered by XXXX like this at age XXXX. The company, Allied Interstate, is obviously run by incompetents and or psychopaths
Product: Debt collection

I was served court papers from utah attorneys/ XXXX XXXX XXXX of XXXX utah on XX/XX/XXXX representing Midland Credit Management in XXXX, Utah saying I owed {$500.00} for my XXXX credit card account but Ive never recieved any kind of notification from MIDLAND CREDIT MANAGEMENT credit caard balance was only {$250.00}
Product: Credit reporting or other personal consumer reports

This company tried to collect money from me but i didnt recognize this company, another person use my identity for this. 

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

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXX  Balance : {$2300.00}.
Product: Debt collection

XX/XX/18 & XX/XX/18 both dates I received phone calls ( XX/XX/XXXX ) on my cell phone and ( XX/XX/XXXX ) on my home phone from XXXX XXXX XXXX asking for a person with the same name. Without verifying I am that person the party released they were collecting a debt and the company they were calling on behalf of, XXXX XXXX. Each time I confront about breaking the law about releasing that information their representatives hang up on me. My wife called back XX/XX/XXXX and spoke to a team leader named " XXXX XXXX '' confronting about releasing personal info related to said debt without verifying and the harassing calls by repeatedly hanging up and he as well released the info without verifying address or social security number. The request was submitted to cease communication from both numbers and they were notified a complaint would be made on the now three documented occasions of the release of private info.
Product: Bank account or service

Chase bank switched one of my accounts from Savings to Checkings. In doing so, they failed to leave the overdraft protection that I had. Then they subsequently charged me overdraft fees. Chase is constantly finding ways to charge fees regardless of the numerous efforts I make to prevent this. They also rearrange withdrawals to justify overdraft fees.
Product: Vehicle loan or lease

In XXXX 2018 I was financed through Credit Acceptance Corp of Michigan. I was low income and had a very low credit score. I'm not even sure how I managed to get the loan. Not even 3 months into the car loan I lost my job and couldn't pay the car insurance on the car. I lost my job because I was jailed for fighting and it cost me my job. I couldn't pay the insurance and the car was then stolen and totalled in a high speed chase with police. The car was flipped and it was a total loss. I sent credit acceptance the police report but they did not bother to care. They charged me 22.99 % interest on the loan and the state of Louisiana only allows up to 12 maybe 14 %. They took advantage of me me knowing I was low income and would be so excited about just getting a car. I paid {$3500.00} down payment for the car and the total amount was still {$12000.00} after the down payment which now I know is insane. They charged me for extra insurance that I knew nothing about that would have been voluntary. NOw that the car is totaled they are crushing my XXXX XXXX and continuing to add more and more to the loan which is now at over {$16000.00} and counting. I've tried to dispute it over and over again and they won't make any changes. The criminals who stole the car still have not went to trial. I now owe a tow company thousands and XXXX for a wifi box that was in the car. The loss of my job cost me my home as well so I had the car packed down with personal items that were a total loss because of the theft. Credit Acceptance knowingly ripped me off with the contract. They knew I was low income and they could take advantage of me and they are still taking advantage of me 2 years later with my credit report and the amount owed. The car was stolen and totaled in a chase with police and the criminal has still not went to trial. I am paying the ultimate price for others taking advantage of me. I do not know what to do. I can not afford an attorney and I called legal aid and they don't have any openings for me to even tell them about my story until XXXX. Credit Acceptance has wronged me and I know they did thousands of others because I read about the cases and they still have many other suits in action. I'm asking that someone please help me and stop these people from taking advantage of others. I am still walking because my credit score is trashed. I am a single mother and low income. This is insane.
Product: Payday loan, title loan, or personal loan

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Product: Credit card or prepaid card

XX/XX/2022 I received an alert via text and email possible fraudulent changes were being attempted. I called the bank and spoke with a representative stating I did not make said charges and asked if the charges went through. I was told no. I informed the representative I had downloaded the card on my XXXX XXXX  during the account set up and I had not physically received the card in the mail. I ask that a new card be sent to my door instead of the mailbox as I live in a HOA and the mailboxes are are placed in certain areas of the community for access. I received my new card and all seemed to be in order until the charge showed up on the new credit card and no explanation was given and case was closed. I called in and spoke with another associate and she stated that she notes showed that I cancelled the request which I did not. I asked the case be opened back up because the charge was FRAUD. Called in again and was told that the investigate showed a chip was used in the same location as where I live so it must have been me. Advise that I file a Police Report, which I did, maybe they would be able to get video footage of the person making the charges. I feel as if they misrepresented the fact that the charges did not go through when indeed they had and did a poor investigation internally just to get me out of there hair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX XXXX Account # XXXX which is a credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2013 Experian on 10/01/2013and XXXX XX/XX/2013 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act convergent Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX of XXXX there was an unauthorized transaction that took place. I reported it to Apple/Goldman Sachs on XX/XX/XXXX of XXXX. They gave a provisional adjustment on XX/XX/XXXX of XXXX. On XX/XX/XXXX of XXXX they reversed the provisional credit in the merchants favor. Also on XX/XX/XXXX of XXXX I reopened the disputer XXXX. On XX/XX/XXXX of XXXX I received the following email language Because your recent transaction dispute was resolved in your favor, the temporary credit you received including any related interest charges is now permanent. 

Disputed Transaction Details Transaction date : XX/XX/XXXX Merchant name : XXXX Credited amount : {$200.00} On XX/XX/XXXX of XXXX I got a message on my phone regarding the XXXX fraud charge from XXXX of XXXX
Product: Checking or savings account

On XX/XX/2020, I was the victim of a robbery when I was on vacation in XXXX, SC. I was made to give up my ATM card and info, as well as virtually send money to the suspect. Despite clear photographic evidence of the suspect at the ATM with my bank card, the bank BB & T is flat out refusing the claim based solely on the fact I am pictured in the car during the robbery. It's important to note I was forced into the vehicle and have included that information in the police report as well as a description of the vehicle. XXXX PD has a suspect, who was formally convicted for DEBIT CARD FRAUD. BB & T has refused to even try to corroborate information with XXXX PD and furthermor, have refused the basic right to an explanation from the analyst assigned to my case which I was promised. I am familiar with Regulation E and wanted to advise of a blatant violation of it by BB & T, now Truist.
Product: Debt collection

I have contacted XXXX and XXXX about this account that has already been paid in full since about a month after I moved. The debt collector said that they was going to remove it from my report and never did.