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

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged 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 : XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I XXXX XXXX XXXX XXXX XXXX XXXX did not make the charge. I ask that the items be deleted to correct my credit report. I reported XXXXXXXX XXXX XXXX XXXX XXXX to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XX/XX/XXXX, i requested my report from XXXX, XXXX  and Experian. Upon reviewing my reports, i noticed multiple errors and inaccurate information reporting on all three reports. On XX/XX/XXXX, I mailed letters to 2 of the 3 credit reporting agencies, by certified mail ; disputing erroneous items and inaccuracies due to it affecting my life financially and i requested validation of the debts with documentation to prove i am liable for these debts and i also requested that if they could not validate these debts that they delete them from my file. I am unable to receive the help i need due to the negligence of these companies. I received confirmation from both credit reporting companies that my disputes had been received. Experian confirmed receipt on XX/XX/XXXX and XXXX  confirmed receipt on XX/XX/XXXX. I received correspondences from both XXXX  and Experian before the 30 day expiration but it was not of the items i had disputed. They both provided me with a updated report with the same inaccuracies on it. XX/XX/XXXX, i sent another letter to each credit reporting agency certified, letting them know how they failed to investigate my disputed items and provide me with validation of the debt. They took no action at all on either of my disputes. Experian confirmed receipt on XX/XX/XXXX and have yet to respond as my credit report still has them erroneous items on it. And XXXX   confirmed receipt on XX/XX/XXXX and restarted the original investigation giving me another 30 days for me to wait on another investigation due to their negligence. The FCRA does not say credit reporting agencies have 60 plus days to investigate, however it does state that credit reporting agencies have 30 DAYS to investigate erroneous items disputed. IF they are unable to validate the debt during that period of time, the disputed items must be removed or i am able to take legal action and receive up to XXXX per disputed item. I retain all records, and communication with all the credit reporting agencies and am fully prepared to take legal action if this is not corrected.
Product: Debt collection

I informed the original merchant that they charged me for things that I did not request, did not authorize, and that I was injured and stolen from them. Instead, they very foolishly chose to send me to Amerisist. I wrote Amerisist a dispute letter IMMEDIATELY but they ignored it. They have violated FDCPA laws. The original " creditor '' is potentially liable under the Rosenthal Act for that.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$290.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot credit services called on XXXX XXXX, 2017 saying a payment was overdue. I told the person on the phone I had NOT received a statement from Home Depot. They insisted I make a payment over the phone, so without a statement to review I went ahead and gave them my XXXX XXXX checking account information to pay the balance in full and close my account. A couple of weeks later, I received a letter from Home Depot stating my payment was refused by XXXX XXXX. I knew this could not be true the charge was {$290.00} dollars, I immediately went to the local branch of XXXX XXXX they had no record of a transaction being declined on my account EVER. I then went to the local Home Depot customer service to straighten out the error it seems the person that called on XXXX XXXX  from Home Depot credit services did not enter my account information in correctly which resulted in XXXX XXXX being unable to process the payment on XXXX XXXX. Home Depot switched my statements from paper to estatement without my consent or knowledge with caused the late payment. Home Depot 's credit card services entered my checking account information incorrectly causing my payment which was one day late not to process. When I noticed a XXXX point drop on my FICO score I  called Home Depot 's credit card services and was asked by the person on the phone, what do you want me to do about it? I am considering cancelling my Costco membership and Citi savings account due to this unpleasant experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon CFPB I wish it didn't come to this I took the liberty of trying to fix the issue with LexisNexis Customer Center first before turning to the CFPB for help even though I have no formal agreement with them. 

On XX/XX/2022, I submitted a formal letter to LexisNexis Customer Center via certified mail the number is XXXX XXXX XXXX XXXX XXXX. 

In this letter I requested all original documentation and proof of my express written consent to Lexisnexis giving permission to share with non affiliated 3rd parties. Further I notified Lexisnexis my desire to opt out from my personal information reporting, in accordance with the Gramm Leach Bliley Act. 

On XX/XX/2022, it was confirmed that someone had been picked up at the post office on behalf of LexisNexis. As of now, XX/XX/2022, I still haven't heard back from the business. Nor have I received my LexisNexis report that i requested on XX/XX/2022 My financial reputation has been damaged, as a direct and proximate result of the actions by LexisNexis. These actions meet the essential elements of a libel lawsuit. I'm looking to the CFPB for help in getting a response from this company explaining why they are harassing me, violating the GLBA, and not complying with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I reached out to TransUnion due to me looking over my latest credit report from this particular bureau. The reason being is because I noticed XXXX hard inquiries that I did not authorize. When I was connected to a young man in the dispute department about my concerns. Instead of him asking for more detailed and personal information the customer service rep tries to push me to the idea of calling a company by the name of XXXX XXXX XXXX. The young man states that I should take advantage of the XXXX XXXX XXXX special deal for {$99.00} I could not believe that he was more focused on pushing me to call XXXX XXXX XXXX instead of helping me with the following inquiries that I have no knowledge about - 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Product: Debt collection

XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update or repair these accounts immediately : 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

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX XXXX Last reported XX/XX/XXXX {$1300.00} Reported balance Highest balance {$1500.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$3600.00} Reported balance XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$560.00} Open balance XXXX  XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$320.00} Open balance {$1800.00} Reported balance XXXX XXXX {$960.00} Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX/ XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet XXXX XXXX has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

I keep getting emails fradulently representing to be from one of my credit unions that show a sharp drop in my credit score. The credit union says they are not from them, and a check of my scores through another site shos no drop. A close look reveals the actual sender to be : XXXX XXXX
Product: Credit card or prepaid card

I received a letter from XXXX On XXXX XXXX 2017 for a XXXX XXXX with XXXX XXXX which i never applied for so someone is using my info to get credit cards under my name so concerned about my identity and personal info bieng used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notwithstanding allegations of fraudulent charges regarding XXXX XXXX XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the Equifax, XXXX  and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Product: Credit reporting or other personal consumer reports

I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with an account and inquiries that are fraudulent and I didn't authorize them
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This account has been closed since XX/XX/2022. This tradeline should no longer be on the my credit report. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax & ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Mortgage

I just found out that my mom and aunt were duped into signing up for something called the hero program and now if we don't pay XXXX in property tax by the end of this month our house will be sold. My mom and aunt are both elderly and XXXX and most certainly did not understand what they were signing up for. It says we can do a payment plan but I can't afford the down payment. 
I have less than two weeks until we are effectively homeless. They were scammed into signing up for something they did not understand. 
My mother and aunt did not even receive contract paperwork and have no way to fight this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a second report from TransUnion. It is the same as the first one. Lacking current information. I never requested the report. The problem is the same. They are not providing up to date information and have made no effort to do so. 

Also, they closed the previous complaint and never solved the problem. 

I am filing another complaint. I am not going to let them get away this this lack of service.
Product: Checking or savings account

Discover closed my banking account on XXXX XX/XX/2022 with no other details than " due to a business decision. '' They refused to offer me further information when asked. This came after freezing my account on XX/XX/2022. This required me to stay on hold for over 14 cumulative hours to even talk to a security representative as they had no means of other contact and had high volume supposedly for " fraud attacks. '' Calls were frequently dropped on their end after being on hold for XXXX minutes at a time. My account was in good standing with a maintained balance and no overdrafts, fines, etc. I had recently made a deposit of {$16000.00} from a check that was a gift from my mother.
Product: Debt collection

XX/XX/2019 I receive a voicemail threatening to take me to court over a credit card debt. XX/XX/2019 they called again. They even quote a new address that is associated with me. They called me last week as well. And emailed me payment processing. I email them back telling them do not contact me again I asked for an email address so I can send them a letter that an old debt is paid for. They want to try and validate my letter stating my debt was paid. They said it should have an Id number they hang up said I should pay my bills and Id get something delivered at the new address they gon na contact my job
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XXXX XXXX, XXXX  XXXX XXXX ( Bank ) XXXX XXXX, XXXX  These inquiries are fraudulent I do not own any XXXX  nor XXXX  XXXX cards besides authorized users in which I didnt not apply please delete immediately My information may have been impacted by the XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Vehicle loan or lease

Santander agent stated that I would be approved for an extension due to being laid of due to COVID-19. Later they stated I did not receive extension and reported late.
Product: Checking or savings account

I found out that 3 checking accounts and 2 savings accounts have been opened in my name and I didn't open them.