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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an XXXX XXXX opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. They also include a Credit Card opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX. Additionally, there are XXXX XXXX XXXX opened at XXXX XXXX XXXX XX/XX/XXXX under account numbers XXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I 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. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

Im financially damaged because i had to hire XXXX XXXX to aid in removing this inner derogatory of my report. The statue of limitation in North Carolina is 3 years. The drop off date is XX/XX/2020 for this charge that is trying to be reinstated into my report.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and notice account not reporting accurately. I had three late payments I know I paid on time cause my bank had a glicth and error that states that .My bank said I had to write all 3 credit bureaus to get them remove even though they made mistake. The consumer reporting agencies have need to report all information with complete accuracy. These accounts have not been late on payments. I have attach a copy of this report on complaint on the following dates. XXXX, XXXX, XXXX, XX/XX/2023. 
I AM REQUESITNG YOU REIVESTATGATE AND PROVIDE VERIABLE PROOF WITH RECORD SHOWING I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED PAID ON TIME IMMEDIATLY TIME
Product: Credit reporting or other personal consumer reports

I PULLED MY CREDIT AND SAW INQUIRIES THAT WERE NOT MINE
Product: Credit reporting or other personal consumer reports

Hello I found two unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit report file.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts and my repeated requests for a thorough investigation, I have yet to receive any resolution or corrective action. 

These incorrect entries are significantly damaging my credit file, severely impacting my financial stability, and hindering my ability to live a normal life. The ongoing negative effects have caused considerable hardship, and I now find myself in urgent need of your assistance to rectify the situation. 

I kindly request that you initiate a comprehensive investigation into the reporting of each disputed account. It is crucial that appropriate measures are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control of my financial well-being. I urge you to treat this matter with the highest priority and to take swift action. 

Your cooperation in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and support.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I call Sallie Mae on XXXX XXXX, about trying to lower my monthly payments because I was recently laid off from my job and I am unemployed. I informed them that I still wanted to make my monthly payments, but I could not afford the monthly payments which is almost {$800.00} now. They told me there was nothing that they can do and I should have filled out a form to lower my monthly payments in the year of XXXX  I told them that that was almost 8 years ago and I was able to make my payments of {$400.00} then with no problem now.Im having a problem and theres nothing they can do but what they did was double my monthly payments going forward I want to pay my loans. I just need my payments lower so I can afford the payments and also afford to live as well.
Product: Credit reporting or other personal consumer reports

Good Day I XXXX XXXX have contacted Transunion several times!!! I am demanding immediate deletion of this inaccurate information!!! I have demanded they remove this bankruptcy information!! Its either an error or a lie!! I have also contacted Nevada Bankruptcy court which stated verbatim!! They do not provide nor verify bankruptcy information!! Therefore according to FCRA Transunion is in direct violation : 15-ISC 1681A2B, 15-USC 6802, 15-USC 1681, 15-USC 1681 ( section 602 ) A, 15-USC 1681 ( section 604 ) 15-USC 1681-C, I have contacted Nevada Bankruptcy Court who confirmed this is a record of direct violation of Transunion as they do not verify!! This is NOT my bankruptcy, Transunion illegally placed this on my consumer report!! XXXX XXXX also confirmed this is NOT my bankruptcy!! I repeat I am demanding that Transunion immediately delete Bankruptcy # XXXX!! This is not my bankruptcy!!! XXXX  Bankruptcy Court also stated they did not verify this to Transunion therefore this information is an error or a lie either way this is inaccurate information and I am demanding that Transunion immediately removes this off of my consumer report!! ASAP!!!! This inaccurate information does not comply with the FCRA and the information must be deleted immediately!! If this inaccurate bankruptcy is not immediately deleted off of my consumer/credit report I will contact my attorney as Transunion is in direct violation of reporting inaccurate information!! Transunion has my police report on file as well as my identity theft report from when my wallet was stolen and my information was compromised!! 
Police Report Number : XXXX I demand Transunion Credit Bureau delete this false inaccurate information immediately!!! FCRA rule # XXXX XXXX XXXX Transunion File Number : XXXX Date Of Birth : XX/XX/ Delete this inaccurate bankruptcy immediately!! According to FCRA guidelines this is a direct violation of Transunion and I have the right to a fair credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. 
I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX Date opened>>>>>> XX/XX/2003
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of Trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that Trafficking. 
XXXX. XXXX XXXX : Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking .Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a XXXX form of Trafficking in persons or XXXX Trafficking if the consumer has provided Trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or XXXX Trafficking if the consumer has provided Trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Credit card or prepaid card

On XX/XX/2018 I received a letter and XXXX   credit card from Capital One, A CARD THAT I DID NOT REQUEST. It should be noted that the credit card had an absurdly high APR of 24.24 % and a {$95.00} annual fee. I immediately called and attempted to cancel the credit card, but the customer representative demanded a lot of personal information to cancel the card, such as date of birth, Social Security Number, home address and phone number. I refused to provide this information for a card that I did not request and the customer representative refused to cancel the card. I was then transferred to a Fraud Prevention specialist who refused to tell me why the card was sent to me or how or why the card was ordered. After a heated discussion I was told I had " no choice '' but to provide my personal information, which I did, since I had no other choice. I vehemently object to providing my personal information to a company, just to get them to cancel a credit card that I did not request.
Product: Student loan

I have sent numerous emails and placed many calls to HESSA-NJ class loans about negotiating a feasible payment plan. The loans were taken out for my attendance at XXXX University in XXXX, PA. They wanted XXXX payment per month, but i 'm not able to afford that amount. So i started paying them XXXX per month making an effort to pay what i can afford. Now they are wage garnishing me at XXXX percent each paycheck. With my current income they are collecting XXXX per month. If nj class would simply negotiate this price with me and create a reasonable payment plan, I would pay this amount with no problem. I would even pay XXXX dollars a month, but they wo n't agree to it. Now i am in delinquency and they are taking XXXX dollars per month, which i would pay without a wage garnishment claim. This can be settled in a honest and fair way, without destroying my credit.
Product: Checking or savings account

I have a checking bank account at BBT in North Carolina. My account became blocked and no one can tell me why. I called the bank several times and was told different things by different representatives. First I was told my debit card was block and then after some digging I was told that my account was pending closure and then back to online representatives telling me my account is blocked. 

At this point I just want my account closed. I can not visit a branch due to the global situation but I keep being told to go in to close the account which again I absolutely will not and can not do. I am completely unsatisfied with the handling of my account and I want it closed immediately.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025
Product: Debt collection

I am a full-time rv'er and go from camp ground to campground every six monthes so i was never notified by collection agency of said debt or original owed. Now that it was in collection i have paid since and feel it should be removed from credit report for i had no knowledge of said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX, XXXX. XXXX XXXX : {$0.00}
Product: Credit card

I'm filing this grievance as Ive exhausted all options for resolving the payment history for my JC Penney account/card. Ive had my account with JC Penney since XXXX & never missed a payment as I take pride with my credit obligations & payment history. To ensure payments are not missed, I have my account set-up for XXXX  so the billings are not lost in the mail. For whatever reason, I did not receive my billing statement for the sum ( s ) due as I normally do which created my account to become past due. As soon as I became aware of the status I immediately addressed the issue. My frustration is that I expressed I did not receive the billing statement ( s ), yet I feel it fell on deaf ears. As noted, I have been a long-term customer of JC Penney and this made me feel like just a number. It is my hope that Synchrony/ JC Penney will take into consideration my long-standing relationship with JC Penney and restore my perfect payment history for my account status with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent a letter onto 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/block any items or information not later than 4 business days. 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 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to take all the old address of off of my Bureau report and they have not. I have Rights as a consumer to ask if I have not lived or even resided at the residence. I have been at my present residence for over 4 years and I told them those addresses were wrong, I have disputed them 3 times and sent a formal fax. only 1 address should remain on my report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$190000.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$180000.00} XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$10000.00}
Product: Debt collection

Auto loan was paid in full due to the manufacturer ( XXXX ) buying my vehicle back due to electrical issues, i received a notice today XX/XX/21 that i now have a 30 day late posted to all three of my credit reports, called Porsche financial and was told this was due in error and should NOT have been issued a 30 day late and would submit a deletion but would not give me a confirmation of this deletion request. 

Account # XXXX The action from Porsche financial has severely impacted my credit scores in a negative way and should be treated with the utmost of importance to rectify their wrong doing.
Product: Credit card

This is about the capital one data breach, class, action lawsuit. Ive had an account with them for several years and knew nothing about the class action lawsuit until I saw something saying that people gotten paid for their information been breached. I contacted them letting them know that I never received any information about the lawsuit and I was told that an email was sent in XX/XX/2022, and that it was too late for me to be added to the lawsuit. The representative could not provide the email address that the said email was sent to, and of course I have no email from Capital One saying anything about a class action lawsuit I was never told about the lawsuit. I was informed that it was too late and there was nothing that I could do because I missed the cut off date. This is unfair.