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

My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in 2018. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my Equifax account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this complaint to you today to follow up the complaints and letters I previously submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX to remove the Disputed Fraudulent items that are completely UNKNOWN to me. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. I feel like the Credit Bureaus have not yet taken action to my previous complaint and I going to follow up the complaints O previously submitted. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX  XXXX  XXXX Balance Owed : {$350.00} XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Product: Debt collection

Diversified Consultants continues to call me even after I have disputed the validity of the debt when they are supposed to put it on a 30 day hold. 

In addition, even after I speak to them on the phone, they call back multiple times per day. This is harassing.
Product: Credit reporting or other personal consumer reports

THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached. 

The Car has been vandalized and broken in to severla times while in XXXX I feel as a result I am requesting the Mazda removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Product: Credit reporting

I have requested that Equifax remove numerous address from my credit profile. They are not accurate or correct. They still continue to report these addresses. All the addresses they have listed as previous should be deleted and removed they are not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

From XX/XX/2021 to XXXX there was unauthorized charges on my credit card totaling {$7300.00}. I did not authorize those charges and no one else is on the credit card account. Initially Bank of America reversed all the charges, but after there very very short investigation, they decided that the charges were not fraud. In their letter to me they stated, " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' I have sent them numerous letters including a signed IDENTITY THEFT VICTIM 'S REQUEST FOR FRAUDULENT TRANSACTION/ACCOUNT INFORMATION. I have also sent them signed letters that I did not give permission to anyone to use the card. My last valid transaction on the card was XX/XX/2021. 
I have been able to contact one of the Merchants ( XXXX ) to reverse a {$25.00} charge on the account. I contacted XXXX for a {$6.00} charge, which they could not locate the card in their system because they said it was locked out because of fraud. I have reached out to other Merchants whose phone number was valid. I will attach a full copy of the transactions.
Product: Credit reporting or other personal consumer reports

I denied on several occasions in the last 30days to rent an apartment. Upon requesting from the leasigdesk a consumer report it was brought to my knowledge thats XXXX is once again reporting someone elses delinquencies on my credit report. I also noticed in the last month when I tried to check my credit report for all three credit bureau Im unable to check it for XXXX and TransUnion because it says the credit bureau are reporting different information. Every 2-3 months XXXX continues to mix my credit file. This has been non stop for a year and since they cant seem to stop then they need to pay me for damages this has caused. The creditors the report from state that I dont even have accounts with them but XXXX continues to report several inaccurate and delinquent accounts that adversely affects my credit. I have been denied renting apartments, a mortgage, a car and job. I have sent XXXX multiple disputed and once I think the issues is resolved they mix my credit file up once again. As its visible to see in the attachments my credit score is significantly lower on XXXX and TransUnion vs XXXX. On the leasingdesk consume report it stated that the negative accounts were never disputed but indeed they were several of times. The account would be removed then return. I have provided XXXX with documentation regarding debt validation none of the creditors have any information. I have no accounts with any of the creditors listed on that consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE XXXX-18 OVER 30 DAYS XXXX, Equifax, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

EQUIFAX CERTIFIED MAIL # :XXXX Equifax. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.
Product: Debt collection

I have been repeatedly called by P & B Capital Group ( XXXX ) regarding debt for XXXX XXXX, NOT MY DEBT. 
Multiple family members have also been called regarding XXXX XXXX. None of us are XXXX XXXX. 
He is my nephew and does not live with me or any of my family members that this agency is contacting. 
I have told this company and others that I am not XXXX XXXX nor does XXXX XXXX live with me. 
This particular company told me that XXXX XXXX listed myself, my XXXX sons and my XXXX daughter-in-law as contacts ... absolutely NOT TRUE ... I can guarantee that that was not done as I spoke with my family about this issue and was assured that none of us were listed as contacts. 
This particular company is lying..all one has to do is XXXX someone's name and it will listed " contacts '' ... they are not getting our phone numbers from the debtor directly. And all of our numbers are on the do not call list..they get around that by simply XXXX  the names of the debtors and targeting family and friends.
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX. Account : XXXX XXXX Account XXXX : XXXX Balance : {$1500.00} : Opened : XX/XX/XXXX XXXX. Account : XXXX XXXX XXXX  Account Number : XXXX Balance : {$9300.00} : Opened : XX/XX/XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX Balance : {$1000.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$5700.00} : Opened : XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA XXXX XXXX ( XXXX XXXX XXXX ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC XXXX XXXX XXXX XXXX XXXX documents This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Debt collection

XXXX and XXXX XXXX  have refused to provide me with a usable letter of XXXX  balance after I paid off my debt in full.

They say it may take up to 45 days - but can't be sure- it may take longer. 
They said I would just need to call back. 

The money has left my account- I've paid them. I see to reason why they can't provide me with the proof I need to show that I've paid my debt and can then fix my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX submitted her debit card information to XXXX credit report information. XXXX no longer has a credit card because she has great credit. XXXX closed her credit card information as soon as she received her credit card.
Product: Credit reporting or other personal consumer reports

I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate personal information on my credit report
Product: Credit reporting or other personal consumer reports

My identity was stolen through a data breach which led to me getting a hard inquiry cause my Equifax credit report was pulled from XXXX XXXX XX/XX/year> XXXX
Product: Mortgage

I made one direct wire payment to Select Portfolio Servicing , Inc. On XX/XX/XXXX in the amount of {$650.00} for XX/XX/XXXX payment and two payments by direct wire service to Select Portfolio Servicing , Inc. XXXX XX/XX/XXXX in the amounts of {$650.00} and {$91.00} for " Other Fees ''. Select Portfolio Servicing , Inc. lost these payments until approximately XX/XX/XXXX, at which time I was approved for a trial mortgage modification. I sent the certified copys of the wiring confirmation and also my bank statements showing proof of the 3 cleared payments. They have brought my credit score down by XXXX points. They refuse to correct the score and reporting now that they have found the 3 missing payments. My payments I made were in well before the XXXX XXXX Grace Period End Date ) of the month they were for. XXXX XXXX XXXX XXXX XXXX has the worst record keeping and service representatives I have ever encountered. They need charged with fraudulent credit reporting and negligent erroneous record keeping. I had a 100 % payment record with no miseed payments from XXXX till XXXX, they have taken away something I was very proud of and continue to cause me financial injury by not restoring my perfect payment record. I have also sent them the first trial modification plan payment of {$510.00} that was due on or before XX/XX/XXXX. I sent it by XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX. The {$510.00} is being held in a separate part of my mortgage account till all 3 trial payments have been submitted properly. I just want my credit scores corrected with all 4 Credit Reporting Bureaus they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been removed and has now reappeared on my credit report. This case has been more the 10 years This student loan company has reported multiple student loan and amounts that I never recieved. The school has been shut down due to fraudulent activities. Nelnet has continually reported increasing interest and shown multiple loans and amounts on my XXXX and my XXXX credit report. while my case is a part of a lawsuit against the school that is in pending to be removed.
Product: Credit reporting or other personal consumer reports

I obtained copies of all 3 of my credit reports from XXXX XXXX, XXXX XXXX, and Equifax XXXX on XXXX. 

I noticed an inconsistency regarding the account XXXX 

It does NOT appear on XXXX. This is because they, XXXX, honored previous inaccuracy disputes and obliged deletion. 
It DOES STILL appear on XXXX as XXXX XXXX XXXX It DOES STILL appear on Equifax as XXXX XXXX XXXX XXXX XXXX These inconsistencies are deemed INACCURATE and must be DELETED, please, from my credit report from your agency listing. Please delete XXXX XXXX XXXX / XXXX - XXXX XXXX  XXXX from my credit report and confirm completion ASAP. This inaccurate and inconsistent data is defaming my character and causing unnecessary damages and loss of credit obtainment. 

Thank you so much for your help. 

15 U.S. Code 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. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 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.
Product: Credit reporting or other personal consumer reports

As per the quidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Traficking debt bondage, which falls under trafficking according to Trafficking- Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following account XXXX Account Number XXXX, Balance {$35000.00}.
Product: Vehicle loan or lease

The monthly statements have no information about the interest or interest rate you are paying each month and only show the amount you owe. I have looked extensively for the interest rate I am paying on their website as well and it can not find. Also the amount of interest paid each month is buried in the account history tab but no rate can be found. I tried to make an additional payment online and because I am set up on auto pay this is possible. I cancelled the autopay too try to resolve and still can not make an additional payment. When you request a payoff if give you the option to send by mail so maybe that is why you can not make a single additional payment from their site. You should be able to make a payment online as this is more mainstream plus there are mail deliver concerns. Requiring the mailing of a payment I feel is prohibited and seems like a way to keep you from paying off the loan so they can make more interest.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX - XX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!