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

DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Completed investigation of FCRA dispute - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 
Please delete these fraudulent items in my file : XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian, has ignored my request provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Account Name : XXXX XXXX XXXX Account Number : XXXX.
Product: Checking or savings account

XX/XX/2021, I was unable to log into my account with Alliant credit union. I called and was told I was voted out of the credit union. I was never able to access my funds. I was told I would be reimbursed and almost two months later that has not happened.
Product: Debt collection

May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. 
XXXX, XXXX. XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX, XXXX. customer service representative. 
XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service representative. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. 
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.
Product: Money transfer, virtual currency, or money service

Starting on XX/XX/XXXX, there have been 20 fake checks that have my company 's Wells Fargo Bank checking account number but wrong names withdrawing money from my account. Wells Fargo only managed to catch 3 of the 20 fake checks and reversed the transactions. By XX/XX/XXXX, {$83000.00} has been withdrawn from my company 's account using such fake checks. 

I discovered the issue and reported to Wells Fargo Bank in early XX/XX/XXXX. The local bank manager pushed me to call customer service instead of filing a report when I visited the Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called the customer service to file a claim, the person told me to wait for 10 business days for investigation. 

On XX/XX/XXXX, the bank called back, but it was only about replacing my company 's account number. I went to the local bank at the same address on XX/XX/XXXX. A bank clerk said the investigation was ongoing. 

On XX/XX/XXXX, when I called the bank about replacing my bank account number, as suggested by the bank clerk, the customer service said there was no fraud claim on my account at all. I went to the bank office again. And this time, the bank manager filed a fraud claim for me, and told me to wait for 10 business days. 

However, in terms of replacing my account number, because the account is " compromised '', the bank refused to provide much help when my business partner was in XXXX and not near any Wells Fargo Bank. I ended up paying for the shipping fees myself to get the documents signed. 

As of XX/XX/XXXX, the stolen money has not been returned to me yet.
Product: Debt collection

I am just received this stating that this is my debt. This is not my debt. I have never in my life had XXXX XXXX XXXX. I have been with XXXX for XXXX  years for my phone, cable, and home internet. I have never had or signed up for XXXX. This is a result of identity theft or mistake identity. This debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding the negative items found on my credit report. I have recently reviewed my credit report and discovered several inaccuracies that require immediate attention. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Firstly, I would like to draw your attention to the following personal information that is incorrect. The address associated with the account number XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX are not correct. I request that you remove these addresses immediately from my report. 

Secondly, I have noticed that an employer by the name of XXXX XXXX  is listed in my report, but this employer belongs to someone else. Therefore, I kindly request that you remove this information from my report as it is inaccurate. 

Furthermore, I am disputing the following accounts listed on my credit report : XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account numbers for these accounts are XXXX, XXXX, XXXX, and XXXX respectively. I have no record of these accounts in my possession, and I believe this information is inaccurate. I request that you remove these accounts from my report immediately. 

Lastly, I am disputing another account under XXXXXXXX XXXX with account number XXXX. I have no record of this account in my possession and I believe this information is also inaccurate. Therefore, I kindly request that you remove this account from my report without any delay. 

I understand the importance of maintaining accurate credit reports, and I hope that you will take this matter seriously. I request that you provide me with a written confirmation of the removal of these items from my report. 

Thank you for your cooperation in this matter. 

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

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Highest Balance : {$4000.00} Account Name XXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$10000.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$7000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$30000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Highest Balance : {$12000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$33000.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$6300.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$15000.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$790.00} Account Name : XXXX XXXX BANK XXXX Account XXXX : XXXX Highest Balance : {$30000.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$6000.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$32000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$6500.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$3600.00} Account Name : XXXX Account Number : XXXX Highest XXXX : {$8400.00} Account Name XXXX XXXX Account Number : XXXX Highest Balance : {$4000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance XXXX {$15000.00} Account Name XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$1500.00} Account XXXX : XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$2700.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Highest Balance : {$15000.00} Account XXXX : XXXX  Account Number : XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Balance : {$0.00} INQUIRIES XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not been reporting my payment history with the Exprian. I have reached out to XXXX on numerous occasions and even followed their advice to create a dispute with Experian. I started the dispute XX/XX/20 and had to follow up with XXXX on XX/XX/20 about the payment history being sent to Experian. Today XX/XX/20 XXXX removed the loan from Experian and never reported the missing payments from XXXX.
Product: Credit card or prepaid card

i have never missed a payment on gas card or my medical card. i knew that i would need new credit for our flooring and reduced the line of credit on my gas card by {$1700.00} and my medical card by {$4000.00}. i then was approved for less credit than i needed at 2 flooring stores. i closed those cards and my gas card to increase my chances of getting the credit i needed. i was then denied even though i reduced my credit lines by {$12000.00}. this stinks. i will no longer use Synchrony bank or its Vendros going forward.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unauthorized Inquiries on my credit report I am writing to dispute unauthorized inquiries on my credit report maintained by your agency. Despite my previous attempts to resolve this issue, these inquiries remain on my report. 

Unauthorized Inquiries : [ inquiry ] XX/XX/XXXX ] [ XXXX XXXX XXXX ] I have been a victim of identity theft, and someone has been using my personal information without my consent. I have contacted XXXX XXXX, Experian, XXXX and informed them of the unauthorized activity. However, they have refused to remove the inquiries. 

Previous Dispute Efforts :. Date of initial dispute : [ XX/XX/XXXX ] Method of dispute : XXXX XXXX XXXX XXXX representative XXXX XXXX XXXX ] Request : I request that you : XXXX. Immediately remove the unauthorized inquiries from my credit report. 
XXXX. XXXX an investigation into this matter. 
XXXX. Provide documentation supporting the removal of these inquiries. 

FCRA Section 611 Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), I request that you take prompt action to correct or delete the disputed information. 

Personal Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] Documentation : I have attached a copy of my Identity Theft report ) to support my claim. 



I certify that the information provided is accurate and true. I authorize your agency to investigate and correct my credit report
Product: Debt collection

Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XXXX XXXX, XXXX Original balance {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. A BANKRUPTCY IS REPORTING ON MY FILE AS A RESULT OF THE ID THEFT. LEXIS NEXIS AND XXXX ARE REPORTING IT. LEXIS NEXIS TOLD ME JUST TO SEND THEM THE POLICE REPORT AND THEY WOULD TAKE CARE OF IT. I DID SO AND NOW THEY ARE SAYING UP TO 90 DATS. EVEN THOUGH THE 45 DAY TIMEFRAME HAS EXPIRED. XXXX WERE SUPPOSE TO PROVIDE THEM WITH THE POLICE REPORT.
Product: Money transfer, virtual currency, or money service

I had {$1900.00} stolen from my Bank of America 's checking account. The money was electronically transfered through XXXX to a person whom I do not know. I called BoA to file for fraud, they said they will investigate but when I called them back 3 weeks later, they said that they can not do anything because the login was using my id and password, which I did not share with anyone. I then went to see them in person, but was also told that there is nothing they can do since XXXX is a 3rd party app and I have to contact them. I called XXXX and they told me BoA has their own version of XXXX so they can not do anything either. I then decided to get a police report, and the number was XXXX. I tried looking up online and there were a lot of people who got stolen the same way, but Bank of America also refused to take responsibility.
Product: Debt collection

I was contacted by XXXX XXXX regarding a debt. I asked question and he used an abusive and threatening tone. He continued to talk over me when I was asking questions. I then spoke with his supervisor regarding the call. XXXX XXXX was the supervisor I spoke with and he said that there was nothing to discuss and that they have removed me from the system. I do not need the torment and harassment methods that these individuals used to carry out there daily business. please help it is just plane wrong.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts ya that are inaccurate XXXX XXXX XXXX Opened XX/XX/XXXX {$55.00} XXXX XXXX Opened XX/XX/XXXX {$330.00} XXXXXXXX XXXX I Opened XX/XX/XXXX {$1100.00} XXXX  XXXX Opened XX/XX/XXXX 2024
Product: Debt collection

Only have a few days worth of info as of XX/XX/XXXX at XXXX. Previous days had been erased. Didn't know they could be reported. 

Calls from XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX Calls from XXXX ( same company ) : XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX
Product: Credit card or prepaid card

There is an auto repair company that did work on my vehicle. It was completely damaged after a few days of taking it there. I took it back. The claimed it was something they could fix. 

They called and said they could not fix it and I had to have it towed out of there. They demanded XXXX. 

There is no pre-authorization or anything in writing authorizing them to do anything for XXXX. The car wouldn't even operate. 

The charge was on discover card. They found in favor of the auto place. Despite a police report for criminal mischief for the damage the auto place caused and no evidence showing authorization.
Product: Debt collection

I received a bill from RMP about a medical bill for a hospital visit on XX/XX/2020 that has been covered by The Dept. of Veterans Affairs ( XXXX ). The XXXX XXXX XXXX shows that my bill was covered with a {$0.00} balance. I paid the debt for second visit with RMP in full. Please see attachment. I believe that they are being unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX on my Account has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy.

15 USc 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B - A creditor may not treat a payment on a credit card / loan account under an open consumer credit plan as late or any purpose
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ). Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an apartment was leased at XXXX XXXX XXXX XXXX XXXX ) I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Cringnal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all '' of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account 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 a account without my written instructions