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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX  XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. 

Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 

The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. 

Apparently, not on was the case never XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts open in my name without my permission or authorization, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. There is also wrong information submitted and incorrect spellings of my name including XXXX XXXX XXXX and XXXX XXXX XXXX. There due to these false account openings this has created financial hardships and issues with my actual accounts. Multiple accounts were affected as long as my financial well being. 

I was recently contacted by several lenders and collection agencies about various accounts that were opened without my permission during the timeframe of XX/XX/XXXX thru XX/XX/XXXX. We believe this stems from a scam taking place in XXXX where I was scammed by an auto dealer whom stole {$10000.00} from me and failed to deliver a vehicle. A police report was filed regarding the scam, as well as reports w/ XXXX XXXX XXXX Attorney 's office, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for the state of New York. 

Furthermore, it is also believed that since these same bad actors were in possession of my personal information that my info was either sold by the organization or misused by the same organization. These same bad actors continued to apply for multiple lines or loans ad credit during the better half of this year XXXX. There were over 25 inquiries counted from one credit bureau alone. 

All 3 credit reporting agencies have also misused my credit report as my true information has been compromised, name misspelled and fraudulent employers listed. 

This same company ( which scammed me ) is also under investigation for the same types of crimes against multiple individuals. However, we do not have any definitive evidence that these same bad actors stole my identity. There is now a pending judgement that was enforced by the DMV of New York during their investigation for the outstanding funds that were stolen from me. ( Hearing Unit XXXX ; XXXX XXXX XXXX ; Facility XXXX ). 

I have yet to be paid from judgment and the business, as well as the owners, are now unable to be found and have not been served with the new court order. These people should be in prison not having a judgment only against them. Thanks for your help
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX PHONE NUMBER : ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXXXXXX XXXX Type of disputed information : Secured Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX. XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : XXXX XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I did a balance transfer to my XXXX 's perks card in the amount of {$1400.00}. On XX/XX/18 I paid {$200.00}, XX/XX/18 I paid {$49.00}. The {$49.00} was to go towards my bill and the {$200.00} to the bal. transfer. I called and spoke with a rep who said she would do this as only {$15.00} was showing applied to the bal. transfer. XX/XX/18 I paid another {$200.00} and called to have them allocate {$100.00} to the bal. transfer. I also sent an email through the website for the credit card to advise that my current bill is still only showing {$15.00} applied to the bal. transfer. When I called I mentioned this too and she said it was getting done. I made another payment of {$300.00} om XX/XX/18, calling 2 days later to move {$200.00} of this over. I explained I had a concern as this was my XXXX call to reallocate funds towards my bal. transfer and I should have {$500.00} towards it and the bill was reflecting {$100.00} and a change to my original purchase date. The guy said he would fix it and I would see it on my activity as moved online. I said I had heard this several times before and he said he was fixing it. XXXX XXXX I made another payment of {$200.00} and again called to get {$100.00} reallocated. I spoke with the woman for a while and she assured me she has a financial background and is one of he best reps they have there and she knew exactly what needed to be done, she would make sure all {$600.00} was reallocated to apply to my bal. transfer amount. I continued to email the person for help as well documenting each time I called. My current bill just came out and guess what, it shows {$380.00} applied to my bal. transfer and the original amount transferred has now changed to {$1200.00}. I do NOT have time to call every month to try to fix this and get aggravated. I have a XXXX  at home and this bal. transfer was supposed to make my life easier but has added hours of work to my life. Please help me.
Product: Debt collection

My father used my social security number, license, and financial information to obtain an apartment and was " evicted '' during covid. I now owe {$1500.00} according to rent recovery that should not be my debt. I talk to them XX/XX/2023 to discharge the debt but they refused. I did not get written correspondence about a settlement offer or anything of that nature.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isnt completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is Against Experian for not following the fair credit reporting act and not reporting XXXX XXXX XXXX to the proper federal jurisdiction for breaking the law. 

Currently experian is wrongly allowing XXXX XXXX XXXX  to break the fair credit reporting act as creditors are required to update accounts/reports on a monthly basis. As of today XX/XX/2020 My report shows the XXXX  XXXX XXXX personal loan account, that I borrowed against myself, that it has not been updated since XX/XX/2020 and it still shows the account balance of {$9000.00}, when the account balance should be zero and reflect as all payments were made on time. This was paid off on or about XX/XX/2020. 

Experian knows this hasnt been updated and for the failure of Experian to not provide accurate reports suggests Experian knows theres problems with my social security number and accounts should automatically be updated through the computer credit data basis. All of this Evidence is pointing that my Experian credit are reports and or accounts are not tied with my social security number. 

Which means Experian is manually updating my reports when it should be an automatic computer interface within all banks and creditors. If this doesnt get resolved immediately then Experian is admitting to breaking the law with XXXX XXXX XXXX and other creditors in the past. Iv had to file atleast a dozen if not more complaints with just Experian in  the last two years, which proves there s a computer Interface problem with my social security number and credit information. 

My report is being manually updated and its identity theft. Should be automatic. Im not accepting the law being broken and the abuse from experian. I shouldnt have to file a dispute or complaint every month for basic reporting and to get a correctly updated report. And your stealing money for not giving me automatic accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed Equifax and XXXX has this company XXXX account number XXXX which is a collection account reporting as a open account on my credit report. It also displays a past due balance According to the F.C.R.A law this is not in compliance with F.C.R.A and I can have this account removed. Ive tried disputing this several times using the dispute services of the credit bureaus to no avail. The credit bureaus do not truly investigate they simply re-report what information they have. After continuously violating the F.C.R.A laws the compensation is removal of inaccurate information but they simply updated and attempted to correct whatever they could which is again unlawful acts and or a direct disregard to the rules of the F.C.R.A.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn : Supervisor Subject : Request for Removal of Fraudulent Accounts and Inquiries Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 


These accounts and items were not authorized by me and are fraudulent. I have no knowledge of their existence or activity. 

I have attached and uploaded the following documentation to support my dispute : Copy of my government-issued ID Copy of my Social Security card FTC complaint Notarized Affidavit Personal statement letter Thank you for your prompt attention to this matter. 

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

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems XXXX XXXX XXXX XXXX consumer report : Dispute : Source of Information : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX  XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my ChexSystems & XXXX XXXX XXXX report. I have attached documents to verify my identity
Product: Mortgage

RMS ( aka Reverse Mortgage Solutions, XXXX, TN ) periodically tries to find ways of putting our contract in foreclosure. Most recently an attempt was made to justify this behavior by claiming that our home had been uninsured. First we where asked to prove that we had hazard insurance. Have you ever heard of homeowners insurance that didn't include hazard insurance? Our insurance company supplied the necessary proof. 
Then they came back with the claim that we weren't insured in XX/XX/XXXX. Again our insurance agent supplied the necessary proof. 
Two weeks later we received a certified letter informing us that we were now in foreclosure. 
We contacted the mortgage company on a conference call with our insurance company who informed RMS that they had sent all relevant proof by fax. The relevant proof has been sent again. It should be noted that the foreclosure document is dated XX/XX/XXXX. It was received XXXX. 
It made no sense to us the RMS would try to foreclose on an insurance detail that occurred in XX/XX/XXXX and that had never before been raised as an issue. 
This company has demonstrated a pattern of creating pretexts for harassment. 
It needs to be stopped and brought to the attention of relevant regulatory agencies.
Product: Money transfer, virtual currency, or money service

I am writing to formally appeal the decision to permanently limit my PayPal account, which is associated with the email address XXXX. I believe this limitation was placed on my account by mistake and would like to provide some information for your consideration. 

Firstly, I have always adhered to PayPals policies and guidelines. At no point have I engaged in any activities that would violate these policies. I am confident that my account activity has been in full compliance with PayPals terms of service. 

Given this, I kindly request that you re-investigate my case. I am willing to provide any additional information or documentation necessary to facilitate this review. It is my hope that a thorough re-evaluation will reveal that my account was mistakenly flagged and will lead to the restoration of my account. 

I greatly value PayPals services and rely on them for both personal and professional transactions. The limitation on my account has caused significant inconvenience, and I am eager to have this issue resolved as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and the opportunity to continue using PayPals services without restriction.
Product: Debt collection

Received call from XXXX - said he was XXXX calling from Critical Resolution Center and I should call immediately or else. Asked me to call XXXX. I referred to my attorney - when she called they hung up on her. Gave me a reference # of XXXX. Never stated who they were representing. Think it is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX Account # XXXX {$0.00} 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received numerous letters and phone calls from Bay Area Credit Service stating that I have a collection that I owe somewhere around {$400.00} ( I am at work right now, do not have the exact amount ). I thought all my collections were taken care of because I had two other collections which I settled but not before I had them report for several years and also sending me many letters and phone calls while Bay Area Credit Service had not done either until the past year. I asked them to tell me the hospital name and phone number, the original source of debt, but they were going around that and I never got a clear answer. I was getting annoyed with their constant barrage of phone calls and called the hospital I went to and they said all I owed was $ XXXX~ and that they had sent that to state collections. I called state collections and they said that they had it sent back to the hospital, which I called them again and they said they found where it was forgiven once it came back. I asked why I never saw this on my credit report for the past 3 years ; they said because they were trying to give me a chance to pay it off before affecting my score. They then continued after that, saying they would report to the credit bureau for my collections and they would stop contacting me because this was my " last chance ''. I have yet to see it on show up on my credit report and even after being threatened that this was my " last chance '' to pay off the collection, I still receive phone calls and letters from them. 

Apologies, this is a wall of text, I am unable to go through it again while at work.