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

THIS CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! 

I have sent multiple letters disputing a chapter XXXX bankruptcy that is not mine. XXXX has deleted it from my report. Yet the Chapter XXXX Bankruptcy still has not been deleted. They are not following the method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy. They state that it is verified as accurate but have not provided me any of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

On XXXX XXXX my mortgage with OCWEN reached its maturity date. OCWEN would not accept my last payment due to fees on account. I tried to work this out with OCWEN, instead they hired XXXX to start foreclosure. On XXXX XXXX XXXX sent me a NOTICE OF INTENTION TO FORECLOSE. With the amount of XXXX needed to satisfy mortgage. The amount was good for 30 days. I did n't have all the money, so I call OCWEN to reduce some of the fees to no avail. On XXXX XXXX, 2016 XXXX sent me a new complaint with XXXX due. I contacted OCWEN and they sent me a higher amount due.
Product: Debt collection

a debt validation letter was sent to you on XX/XX/2021 and have yet to heard a response, please advise.
Product: Credit reporting or other personal consumer reports

I have requested from : Equifax, XXXX XXXX XXXX to removed accounts preventing me from getting housing in accordance of the fair credit reporting act. they did not respond accurately. the person and consumer XXXX XXXX XXXX, makes this complaint by the following laws : fair credit reporting act, 15 U.S.C. 1681 section 602 ( 4 ) ; consumers right to privacy.

fair credit reporting act, 15 U.S.C. 1681 section 603 ( a, b, c & d ) ; the individual making this complaint is a person and consumer seeking relief from information provided by credit reporting agencies.

fair credit reporting act, 15 U.S.C. 1681 section 604 ( ( a ) ( 2 ) ) ; in accordance with the written instructions of the consumer to whom it relates.

Please remove the following accounts from my credit report provided by the 3 credit reporting agencies ; in the open and closed status, current and in collections status and any comments left by any of these companies. I am a victim of consumer exploitation and disability thru the unemployed pandemic and these accounts are keeping me from getting housing and other prosperous necessities in regard to financial timing. my rights are being voilated. 

XXXX XXXX XXXX acct. ending in XXXX, credit card, legitimate. 
XXXX XXXX XXXX acct, ending in XXXX, credit card, legitimate. 
XXXX XXXX acct. ending in XXXX, consumer dispute not resolved charges are not legitimate. 
XXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX  acct. ending in XXXX, consumer dispute not resolved account was current when closed. 
XXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX  acct. ending in XXXX, unknown account. 
XXXX, XXXX  XXXX acct. ending in XXXX, consumer dispute not resolved, payment attempted but not accepted. 
XXXX XXXX XXXX  acct. ending in XXXX, credit card, legitimate. 
XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX  acct. ending in XXXX never did business with this bank connected to credit repair agency. 
XXXX acct XXXX ending in XXXX, unknown account.
Product: Consumer Loan

I have an old account with Toyota financial services that has been paid in full, but they have reported it to the credit Bureau as past due. This has caused my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX  On XXXX I mailed a certified letter to all 3 credit bureaus, Equifax, XXXX and XXXX. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX, Equifax and XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, XXXX reports date XXXX and Equifax reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date of Last Activity : XXXX reports XXXX, XXXX reported XXXX and Equifax reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date Of Last Activity : XXXX reports XXXX, XXXX reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, XXXX XXXX
Product: Debt collection

I, XXXX XXXX XXXX, recently pulled my credit report and have found these debts to be inaccurate, fair and substantiated. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. These negative listings on my credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 



1. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

2. Agreement with your client that authorizes you to collection this alleged debt.

3. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early last year I saw a hard inquiry on my credit reports stating someone had attempted to open an account with XXXX XXXX financial services for a credit card. This was not me. I contacted the credit companies, as well as XXXX XXXX, and put a fraud alert on my account. I filed a dispute with the three credit bureaus asking for the information be removed. The credit bureaus state that they merely relay information provided by banks, and I must take it up with the banks. 
Later, this happened again, I had a inquiry stating that an account was attempted to be opened with Lowes, through Syncrony bank. This time I repeated the steps, and filed a police report on the matter. I sent all materials including the police to he credit bureaus, who again told me to take it up with the bank. I contacted XXXX XXXX, and Synchrony bank, who have now been jacking me around for a year, with proof and fair notice of identity theft and that they are reporting fraud on my credit report, and a sworn affidavit of such from me. 
In particular, XXXX XXXX has now sent me a third request asking for my account numbers and things I already sent them. I spent an hour on the phone with XXXX XXXX describing the circumstances, emailing the items and the police report to the supervisor on the phone, then a month later they want to know something more and have me re-send the same information again? 

XXXX XXXX is now participating in the fraud by deliberately stalling fixing their error.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the continued reporting of fraudulent accounts and inquiries on my credit reports by XXXX, XXXX, and Equifax, despite submitting a valid Identity Theft Report through XXXX and other supporting documentation. 

Fraudulent Accounts : XXXX Auto : Account Number : XXXX ( All XXXX Bureaus ) XXXX  Auto incorrectly claims this account belongs to me. Despite notifying them of identity theft, they have sent correspondence to an incorrect address and have failed to provide any evidence linking me to this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Violations of Federal Law : The continued reporting of these fraudulent accounts and inquiries violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Requires the blocking of fraudulent information upon receipt of a valid Identity Theft Report.

15 U.S.C. 1681i : Obliges credit bureaus to conduct a reasonable investigation when disputes are filed.

15 U.S.C. 1681b : Restricts permissible purposes for accessing and reporting consumer credit information.

15 U.S.C. 1681e ( b ) : Mandates credit bureaus to ensure maximum possible accuracy of the information reported.

Resolution Sought : Immediate removal of the above-listed accounts and inquiries from all credit reports. 
A comprehensive investigation into XXXX Autos improper handling of my case and their failure to validate the account after an Identity Theft Affidavit was submitted. 
Full compliance with the FCRA, with statutory damages under 15 U.S.C. 1681n if violations persist. 

The letters I submitted for this dispute are attached for reference. I respectfully request the CFPB to ensure that XXXX, XXXX, and Equifax comply with federal law and uphold my consumer rights. 

Thank you for addressing this urgent matter. I look forward to your timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Medical Collection is reporting a debt collection account on my XXXX credit report. That debt is not mine. I have contacted American Medical Collection over two months ago to remove it. They sent me a letter confirming that they will remove it from my credit report but unfortunately they never did.
Product: Money transfer, virtual currency, or money service

I tried sending money through Pangea Money Transfer for {$290.00} + the fees. Its been over 4 days and my transfer has not received in XXXX. I have been calling repeatedly to Pangea and they havent been doing anything to get my money transferred to XXXX. I have requested call back from a manager couple of times and no one is calling back. I have exhausted all the resources to get my money back. Transfer ID XXXX
Product: Credit reporting or other personal consumer reports

Im submitting today to inform the credit Bureaus I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Bank refused to change my address asking me personal questions about my employment. I have not had bank statements in months just yet online which I can not access.
Product: Money transfer, virtual currency, or money service

I need all monies that was reported to be refunded
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Response to XXXX XXXX 's Claims Regarding Complaint Dear CFPB, I am writing in response to XXXX XXXX 's recent communication concerning my complaint about their unfair and illegal credit reporting practices. 

XXXX XXXX claims that I submitted my initial dispute on or about the same day I filed my complaint with the CFPB and that prior to this, there was no record of me requesting validation of the debt. They also mention that this complaint represents their first record that my address differs from the address used at the time of placement. 

I would like to clarify and dispute these claims with the following facts : Multiple False Reports : On XX/XX/year>, and then again on XX/XX/year>, XXXX XXXX reported false information on my TransUnion credit report. Initially, they reported that I owed {$110.00}. Subsequently, they changed the amount to {$110.00}. The statement they recently provided indicates a different amount of {$110.00}. This inconsistency clearly demonstrates a lack of accuracy and reliability in their reporting. 

Lack of Validation and Signature : I have repeatedly requested validation of the debt from XXXX XXXX, including a request for my signature to verify any obligation. They have failed to provide this validation. The absence of my signature further supports my position that I do not owe this debt. 

Given these points, it is evident that XXXX XXXX has been inconsistent in their reporting and has failed to adhere to the requirements of the Fair Credit Reporting Act ( FCRA ). Their inability to provide proper validation and their contradictory reporting amounts have caused undue harm to my credit score and personal stress. 

I respectfully request that the CFPB take appropriate action to address these violations and ensure that XXXX XXXX corrects their records. I also request the immediate removal of all erroneous entries related to this debt from my credit report. If this issue is not resolved promptly, I will be compelled to pursue legal action to protect my rights. 

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

I HAVE A DITECH LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX. 

IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND DITECH PROMISED ME. 

PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint with CFPB on XXXX, XXXX Credit Karma had an incorrect phone number on my account. CFPB was able to correct this information and the complaint was closed. But I also had complained of possible identification theft by Credit Karma in my original complaint with CFPB. Twice during my contacts with Credit Karma, they requested I send them a copy of my drivers license and a utility bill. Both times there was no response from Credit Karma after sending them this information. I had previously contacted them a total of XXXX times to correct both issues. When Credit Karma contacted CFPB, they only responded for the incorrect phone number. No investigation was made on possible identification theft. So, someone with Credit Karma has XXXX pictures of my drivers license and utility bill. Deeply concerned with i.d . theft and lack of investigation by Credit Karma into this issue. I have copies of all email correspondence to confirm these interactions. I hope you can resolve this issue. Thank you.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to formally dispute and report fraudulent accounts and unauthorized activity appearing on my consumer credit reports with Equifax, XXXX, and XXXX. These accounts were not opened or authorized by me, and I have never had any dealings or agreements with the entities listed below. 

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand a thorough investigation and resolution of this matter. The FCRA ( 15 U.S.C. 1681 ) ensures my right to dispute and correct inaccurate information on my credit report and obligates credit reporting agencies and creditors to address fraudulent activity. 

The fraudulent accounts and hard inquiries appearing on my credit reports are as follows : Equifax XXXX XXXX XXXX Account XXXX. # # # # # # XXXX XXXX XXXX Account XXXX. # # # # # # XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX Georgias Own Credit XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX [ Account Details Unavailable ] XXXX XXXX XXXX [ Account Details Unavailable ] These fraudulent accounts have also resulted in several unauthorized hard inquiries and collections accounts that are negatively impacting my creditworthiness. 

Actions Requested : Immediate Removal : I demand the removal of all fraudulent accounts, inquiries, and collections items associated with them from my credit reports.

Investigation : Conduct a full investigation into these accounts and inquiries, and notify me of the results promptly.

Prevent Further Damage : Flag my credit reports to prevent any future fraudulent activity.

Supporting Documentation : To assist with your investigation, I have attached the following : A copy of my government-issued ID.

A recent utility bill or proof of residence.

A copy of my credit reports highlighting the disputed accounts.

Under the FCRA, you are required to investigate my dispute within 30 days. Please provide written confirmation once the fraudulent items have been removed, along with an updated copy of my credit report reflecting these corrections.

I trust that you will take this matter seriously and act promptly to resolve this issue. I can be reached at the contact information above if further documentation or clarification is needed.

Certification : I affirm, under penalty of perjury, that the information provided in this affidavit is true and accurate to the best of my knowledge.
Product: Credit reporting

I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies, Transunion being one of these agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the TransUnion Credit reporting agency has not followed the law. As a result, I am still suffering the effects of documented and filed identity theft against me that is being furthered by Transunion not adhering to the protections afforded me in this situation. I 've done everything they 've asked and provided all the documentation and they still have not blocked the fraudulent information from my credit file. 

Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. In spite of all the documentation they requested that I sent, they had not and still have not blocked this information. 
Blocking Bad Credit Information from Credit Reports The law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax via cell phone concerning credit inquiries that i did not authorize. I explained to the customer service reps that I am constantly receiving emails with offers from various credit card companies offering to extend me credit, and that if i put the last 4 digits of my social security numbers in that i could check how much credit i could qualify for without it reporting to my credit profile, But when I checked my credit report i discovered that i had in fact received hard inquires from those credit card companies. The representatives from each company ( equifax, XXXX XXXX, ) Told me that they could not me remove those inquires from my credit profile even though the FCRA says I have a right to dispute any unauthorized items that may appear on my credit profiles. These companies house our information without our permission, and when something is wrong or inaccurate they treat you like you are wrong about your information, and that there is nothing that can be done when your credit profile is being reported inaccurate. XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), these inquiries was not authorized by me, i gave no one permission to access my credit profile, nor do i have any accounts with these companies who accessed my profile with out my permission.