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

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX Date of inquiry : XX/XX/2022, XXXX XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Date of inquiry : XX/XX/2022, XXXX  Date of inquiry : XX/XX/2XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion, XXXX and XXXX in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my credit score. But to no avail.

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus.

please help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX U S DEPARTMENT OF EDU XXXX Account Number : XXXX XXXX U S DEPARTMENT OF EDU XXXX Account Number : XXXX XXXX
Product: Debt collection

I usually do not answer calls to XXXX area code numbers. Due to scamers usually using telephone numbers starting with XXXX. But decided to answer the call one day, & was told they have an important message for me. So I decided listened, & they stated I owe a debt. As of today I do not owe any debt of any kind. And when I had asked for proof of said debt, they refused to provide me, with the proof of said debt. So I told them that, until they could provide me with the proof. Of said debt that I supposedly owe. I'm not giving them any information, or money. Nor am I confirming my identity with them, & I will no longer answer their phone calls. Now they are starting to harass me daily. Calling me everyday, up to XXXX times per day. As early as XXXX, & even past XXXX some nights, with calling me as late as XXXX. I have put the numbers on my phone 's block number option. But that just sends them straight to voicemail, everytime they call. Which they fill my voicemail box up to where no other voicemails, can be left. And I have to spend XXXX mins each day, deleting messages from my inbox daily. It's becoming to be a nuisance now. Please do something about this. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT IS BEING REPORTED WITH {$7800.00} BALANCE XXXX XXXX 2021. MY XXXX XXXX XXXX XXXX BALANCE IS {$0000.00} XXXX. CORRECT INFORMATION. MY DUE DATE IS THE XXXX OF EVERY MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am a victim of identity theft and fraud on. The information listed XXXX/XXXX & XXXX XXXX/XXXX XXXX XXXX which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

This XXXX/XXXX & XXXX XXXX/XXXX XXXX XXXX accounts resulting from identity theft should be blocked. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



Please retrieve police report # XXXX from the XXXX police department and send all relevant documents to DATA furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to XXXX XXXX XXXX torelease myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Product: Debt collection

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am constantly trying to unfreeze my Equifax credit report and constantly get the run around saying they are unable to unfreeze because they need my drivers license and social security card. 
I have faxed and mailed by documents numerous times and Equifax states they are either unreadable or the mail got lost. 
Equifax has also been unable to add my birthdate to my credit report as I have requested this on numerous occasions. 
I am also unable to retrieve my credit report online and can not get my annual free credit report. 
I am also unable to unlock my Equifax credit online. 
By law I should be able to get my annual credit report and unfreeze my credit report at anytime. 
I am attaching a copy of the letter I sent to Equifax, drivers license and ss card.
Product: Credit reporting, credit repair services, or other personal consumer reports

*********Hello, my name is " XXXX XXXX '', I have been filling my complaint for over past year or so but none of it has worked. I notice that some of the name and addresses that are listed on my credit report are inaccurate. Please remove these name and addresses as they are not belong to me and the incorrect informations below are intervening me from obtaining credit. 
**Name reported : XXXX XXXX XXXX XXXX XXXX ( There are two the same name " XXXX XXXX XXXX `` , delete 1. 
**Addresses reported : _ XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ****************************************************** ^^^ I request an investigation on these loans and hard inquiries within the legal time frame of 30-45 days as I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the belove items ) and filing lawsuit if not done. 
**. Other Loans : _ XXXX/XXXX  Reported : XX/XX/XXXX ** Hard Inquiries : _ XXXX XXXX/ Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . 
XXXX  XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX -/Inquiry : XXXX XXXX, XXXX XXXX XXXX/ Inquiry : XXXX . XXXX, XXXX ***Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer '' reports I must receive a disclosure that this letter was received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never received any disclosure or writing mailed. DELETE IMMEDIATELY!!! 
XXXX CREDIT CARD : XXXX Reported : XXXX XXXX, XXXX " '' '' This charge off account is not mine, delete please!!!! 
**Collections : XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX  in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$77.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$74000.00} FSNB, NA XXXX Balance : {$53.00XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed it over 36 days ago and the required notice of dispute is missing. That indicates that there was not a proper investigation. Delete these account for failure to perform investigation per fcra regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the following accounts on [ XX/XX/2022 ], in which Equifax received ( XX/XX/2022 ) The following accounts listed has been illegally reaged in an attempt to damage my credit report. 

I want these accounts deleted because the date last active column is inaccurate and has been reaged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive attached appropriate documents to back up my complaint.
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

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

I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; On XX/XX/2018. While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger,  XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX  and the other in XX/XX/XXXX. The vehicle purchased in XXXX, according to GM Financial, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the XXXX XXXX  and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.

Since we were recommended by a friend who said that XXXX XXXX XXXX  always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014 I applied at XXXX XXXX TARGET for TARGET RED CARD. I never received the card in the mail and since I do not have the card number i have been unable to pay the one time charge of XXXX some odd dollars for the last just over 6 years. I just want to pay my bill and have that 6 years of delinquent payments removed from my credit score. It was at no fault of my own. I have made multiple attempts over the years to reach the TARGET RED CARD distributor and I've just about had it with their shenanigans. 
My name is XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX All I have is the last four digits of my account number provided on the receipt given upon opening the account XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redresfor these violations.
Product: Credit card or prepaid card

My credit card was supposed to be a prepaid credit card with a secure {$300.00} deposit for only 1 yr, " card issue date XX/XX/XXXX and it is now XX/XX/XXXX and this card is still in the prepaid status! i started with suntrust, then bb & t and now truist, " why am i now paying credit card fees and interest on my own {$300.00} " plus i now pay an annual fee and now trusit is saying that the reason why my secure card has not been changed to a unsecure credit card is because i only made the minimum amount payments, { NO TRUE! ] " no payments have never been missed or late since XXXX, '' truist said to me that i can never change to a unsecure if they return my {$300.00} deposit, " so to me i, am forever trapped paying 28 % interest on my own {$300.00} every month plus a {$39.00} annual fee1 thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company requested my Credit report to many times
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX
Product: Debt collection

On XXXX XXXX, I received a voicemail from XXXX XXXX ( sp? ) stating that he intended to serve me with legal documentation that required my signature. He stated that he would come to my place of employment between XXXX and XXXX, and proceed to my home and " wait there a while for me to show up. '' He said if he did not see me TODAY, it would result in further action and be considered a " missed appearance. '' The number he left was XXXX, and I needed to reference my document number, which was XXXX. I called this number and spoke to a XXXX XXXX. This person told me they wanted to settle an old debt. He gave me two different amounts that I owed ( $ XXXX and then $ XXXX ), and said they would settle for {$400.00}. He asked for debit card information so I could pay, and also gave me payment options. This was suspicious to me, so I asked for his business name, which is Audubon Liberty Associates. He gave me three different phone numbers when asked, and when I asked the physical address of his business, he first said they were in North Carolina. When I asked him again, he told me they are in South Carolina. When I told him he initially said they were in North Carolina, he responded " No I did not. '' He got rude when I pushed with more questions. He refused to give me the physical address of his company. He gave me XXXX digits and asked if those were the last XXXX of my SSN. They were not. I asked what address they had on file and it was not at all familiar to me. After I pushed, he then said they must have the wrong person. It was clearly a scam.
Product: Debt collection

I recently opened XXXX XXXX profile. And upon reviewing it I realized it was an account on there that I was not responsible for. Nor did I authorize anyone else to open in my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. 
The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXXXXXX 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 reporting or other personal consumer reports

I am writing in to dispute inaccurate personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information in a consumer 's credit report. 

I have mailed off several disputes to Experian, XXXX and XXXX and its always the same ole thing. They want to send that same " stall tactic letter '' out but can not mail out any updates or responses from the Credit Disputes that I am sending to them. By Law they are supposed to do their jobs and as consumers, we have the right to dispute erroneous information/accounts on our credit report. 

Disputes are attached since I can not get them to even review my disputes. Never Ever