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

This is my Follow-up 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 XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained 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 XXXXnformation Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I recently received a letter from the IRS stating that there has been a change in my XXXX taxes due to Bank of America reporting a cancellation of debt. This came as a complete surprise because I had never received any notice or 1099C regarding this matter and the debt was written off ( not on my credit reports ) many years earlier. 
History : BOA repossessed our boat in approximately late XXXX even though payments had not lapsed 60 days. We lost everything during the crash and used all of our savings, etc. to try and keep current with bills, even though we were advised to claim bankruptcy. I had called BOA to ask for arrangements because of our situation. Their response was a flat no and the boat was picked up soon after that call. In addition, they kept all my personal belongings left inside the boat. 
Today, I just spent almost 2 hours on the phone with BOA trying to get some proof of this charge off reported to the IRS of {$18000.00}. I was transferred thru five phone numbers and disconnected twice, and no one could supply me with information. I was able to find someone to send me a copy of the 1099C from XXXX, and another person read me a letter that BOA mailed to me in XXXX that offered a settlement of approx. {$16000.00}. However ; he claimed it was in PDF form and there was no way he could get a copy to me. I feel that if BOA can cancel a debt six years after  the fact, they should be well prepared to supply the paperwork to back it up. Again, this debt has not been on my credit for many years. I feel the amount has been inflated and erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost card and requested new card to pay the bill online. Citibank not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Closed XX/XX/2022 Shows up unpaid
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has 2 inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. XXXX will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?
Product: Credit card

Capital one customer rep didn't correctly enter my new bank payment info prior to payment date. They tried to take the money from a closed bank account. 
I made a call and paid the bill as soon as I received an alert of a returned ACH payment, I called very upset and set up auto payments again viu a customer service repXXXX All late fees and interest charges were waved and they apologized for the error. 

Next billing cycle, capital is asking me to pay the 'stmt amount '. Statement includes the returned payment, but not the new payment made. Capital requests I pay again the payment amount + late fees and interest charges that were waved. 

They demand I pay the whole statment amount that is outdated. Statment is XXXX dollars, current balance is XXXX XXXX XXXX XXXX XXXX. Current balance is a running balance that has the payment applied and fees and interest waved. 

Called customer service, but they say I have to pay the statement amount that has late fees that were waved because I agreed to pay full statement amount when I enrolled into auto payments when they entered my new bank info. No record of any calls between me and customer service rep about bank changes made in XXXX. No record of who waved the fees, no adaquate notes explaining the issue was caused by error made by capital employ .... 

Asked if they have a record of the fee waved, they do but can't trace it to why it was done. 
Asked them to tell me my corrected balance due for the statment ending XX/XX/XXXX, customer service says its XXXX because that's what the statment *says*. Current balance owned to date is XXXX dollars. Capital wants the uncorrected balance and late fees +interest or, per customer service rep, I will be responsible for additional late fees and interests. 

Asked to file a complaint, customer rep says she will, but it will be internal and I will not know the outcome. I asked who can I file a complaint with that will share the investigation outcome with me, she says she doesn't know. 

Call was 1 hr and 4 min on XXXX XXXX XXXX XXXX.it was recorded. 

The customer service people who handled my call were unskilled, and were attempting to use fradulant and deceptive practices to charge me interest and late fees on a payed balance. 

The whole ordeal is affecting my excellent credit score..
Product: Mortgage

I received a notification that my credit score dropped 8 points. When I looked into the reason why, It states that as of XX/XX/2020, my balance with US Bank Home Mortgage increased {$630.00}. I have been in the COVID mortgage relief suspension program since XX/XX/2020. I'm not sure why my balance has increased when I am currently in a program that provides mortgage debt relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these inquiries for already a long time and yet the Credit Bureaus have not completely completed my requesets. Once again, I am a victim of identity theft and these inquiries were the results of sduch crime. Under the FCRA section 605b, these inquiries must be removed if the Credit Bureaus are unable to prove the authenticity ans validity of these inquiries. On the previous complaints I submitted, I requested that the Credit Bureaus probvide proof oc authenticity to support their claims that the disputed inquiries belong to my name. However, the Credit Bureuas have failed to do so, therefor, the disputed inquiries must be removed. However, upon reviewing my updated Credit report, the previously disputed inquiries are still reporting which is a clear violation of the FCRA. The disputed inquiries are as follows : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX 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: Debt collection

I have been getting continuous communication from XXXX XXXX XXXX for a debt I do not owe. They are trying place a judgment against me for XXXX  XXXX XXXX card that I do not owe money on. Ive contacted XXXX XXXX XXXX and spoken with several individuals including the manager. I have a XXXX balance and the account is so old that all information has been purged from their system. I received a judgment from XXXX XXXX in 2017. Court date was scheduled and because the plaintiff failed to appear ( XXXX  XXXX  XXXX ) they dismissed the case. I now receive another letter from XXXX XXXX XXXX XXXX for another judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

From birth I have been deceived by the very corporations I believed to be in my favor. For years ( XXXXpresent ) I've been disputing the bureaus against there accusations of alleged debts. EQUIFAX, INC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means! In XXXX, several items were removed from my report and thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as the Original Creditor, Natural person, Federally Protected Consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXXXXXX  : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : DEPT OF ED {$840.00} : XXXX violated my rights. 19 inquiries on my Transunion credit 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account on My Credit Report From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Experian must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXXXXXX XXXX CBNA/XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX  credit report . I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XX/XX/2022 CBNAXXXX XXXX XXXX  XXXX XXXX TN XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of SS # - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from the 3 Credit Bureaus advising that my Capital One Auto loan is 30 days past due. This is incorrect and I want it removed ASAP. Ive had my car since XX/XX/XXXX and never been late. This information thats being reported on my credit report is incorrect. Im very upset and frustrated because my score has dropped tremendously from this incorrect information. I contact Capital One Auto on XX/XX/XXXX and a representative stated that she would dispute it. I have documentation that my car payment has never been 30 days past due and my account doesnt show that Ive ever been 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of after several of accounts were removed form my account then replaced. This is a updated report that was recently pull and none of my reports from the bureaus are reflecting. Please correct information. Once information is removed, you can not go back and put it on my report again which you did. I am being taken advantage of, many practices are been broke by your company. You have hurt my ability to obtain credit and I cant get a sba loan for my current business. Please XXXX XXXXELP ME IN THE TRYING TIME. I CURRENTLY HAVE XXXX AND HAVE BEEN IMPACTED BUT STILL I PAY MY BILLS ON TIME. I WANT ALL NEGITIVE ITEAMS REMOVED FROM MY CREDIT REPORT AFTER SEVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY UNDER THE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have a piece of information passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or a account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

Following up on my previous communication regarding inaccuracies on my credit report, I am writing to express my continued concern and disagreement with the resolution of the items listed below. Despite an initial investigation, these inaccuracies persist on my credit report, negatively impacting my credit score and financial well-being. 
Disputed Items for Reinvestigation : XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( Appears To Show Accurate On My TransUnion Account, But XXXX Deleted It Due To Inaccuracy & Fraud Information Can You Please Now Show Me What Yall Do Differently You Please Remove This Thank You, & If Not Show Me Description Of The Procedure. 15 USC 1681 ( I ) XXXX. XXXX- Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status Collection/ChargeOff Account Status DEROGATORY  XXXX XXXX - XXXX Payment Status Collection/ChargeOff Account Status DEROGATORY XXXX XXXX XXXX Payment Status Collection/ChargeOff Account Status XXXX XXXX XXXX XXXX Payment Status Collection/ChargeOff Account Status XXXX  XXXX Payment Status Collection/ChargeOff Account Status DEROGATORY XXXX XXXX XXXX Payment Status Collection/ChargeOff Account Status DEROGATORY XXXX XXXX XXXX Date Opened XX/XX/XXXX Payment Status 90 Days Late ( Sep-Dec ) Not Even Showing A Date Can You Please Remove This Thank You, & If Not Show Me Description Of The Procedure. 15 USC 1681 ( I ) XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Type : Note Loan Payment Status 60 Days Late ( Sep-Dec ) Not Even Showing A Date Can You Please Remove This Thank You, & If Not Show Me Description Of The Procedure. 15 USC 1681 ( I )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have inaccurate fraudulent accounts reporting on my credit report