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

I uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NEW MEXICO XXXX  XXXX  From my credit file Asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus regarding 3 debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

CFPB Complaint against XXXX XXXX XXXX Experian : XXXX XXXX XXXX ( D/O/B ) XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 1XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) 2XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) 3XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  account number ( XXXX ) 4. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) 5. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) 6. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) 7. XXXX XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) 8. XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) 9. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, and XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Amount : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX and XXXXXXXX XXXX XXXX XXXX XXXX Defaulted on the Lawful Administrative Process and did not Respond to my last Notice sent XX/XX/2024. There was a total of 3 letters sent which is required in the Administrative process and they had a total of 45 days to produce proof and they failed to produce the documentation of my ORIGINAL WET INK SIGNATURE Promissory Note. XXXX avoided my request by making it seem like in both of their letters they sent to call the California office for information which that was not my preferred method of communication in the letters I sent them it was communication by MAIL ONLY to protect myself from CORPORATION Bullying and Harassment. My letter sent to XXXX, in XXXX was NOT a part of the administrative process. Consumer Financial Protection Bureau closed my complaint unfairly because a CORPORATION is Protecting another CORPORATION when they should be protecting the Consumers under the Consumer protection laws. I reject and Dishonor the final outcome of my lawful, truthful honest, legitimate complaint. Redress this issue because XXXX lost by them failing to respond to the final letter and not producing a Affidavit or the Original Promissory Note. 
Redress under the 18 USC 894 which protect Consumers. 

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

Equifax is reporting an account that I paid off XXXX percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all XXXX bureaus are incorrect and inconsistent with one another? The company has been unable to verify this account when I contact them. They also failed to provide any proof of a XXXX form on this so called charged off account. If this account is not removed from my credit report, I will be filing a statement of claim against your company. The letter I sent your company disputing the inaccurate information is attached which is dated and time stamped. I am demanding that the following account be removed from my credit report : XXXX XXXX XXXX
Product: Debt collection

AFNI is trying to collect a {$350.00} XXXX XXXX " debt '' from me. Here is the problem with their claim : - I have never had an account with XXXX- I NEVER lived at the address they are reporting the debt occurred- They REFUSE to verify the details of the debt i.e what months and from what years I owe and what XXXX services I used-They refuse to verify my birth date and social security number. 
-The FDCPA requires them to give 30 days notice of any debt owed. I never got such notice. 

I have disputed this account several times with XXXX and the other CRA 's but each time AFNI has knowingly falsely verified the debt as being accurate. That is an egregious violation of the FCRA guidelines and there are severe fines and penalties set forth in the FCRA for this type of behavior. I want this collection account removed from all XXXX credit bureaus right away.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with XXXX5 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Checking or savings account

USAA has blocked my funds due to an XXXX scheme. the bank has deemed me as being apart of the scheme. USAA has refused access to my funds eventhough the negative balance has been resolved. 

I can provide more details upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XX/XX/XXXX 2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Bureaus regarding their reporting of bankruptcies listed on my credit report. Initially they told me that the listing were being reported by XXXX XXXX and I needed to contact that company. I have contact XXXX XXXX as well as my local bankruptcy clerk of court. The clerk of court has responded that they do NOT report to any credit bureau and I have contacted XXXX XXXX who has confirmed that they are NOT reporting any bankruptcies on my credit bureau however, the bureaus continue to report XXXX. When I ask for verification they send me a letter stating that it is confirmed and that they will not reinvestigate.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I am not sure where to turn. I received notification from XXXX XXXX about a new collection that is reporting on my file that I knew nothing about. It's a company called Ability Recovery Services. It shows it was for a medical provider XXXX XXXX XXXX XXXX XXXX and opened XX/XX/XXXX. I have not been to the hospital in years so I called them to find out what this is or if this was a mistake. They told me it was from a debt back in XX/XX/XXXX. I never received anything in writing about this from Ability Recovery or anyone else for that matter. I asked the customer service person what location it was and she didn't know. I asked what they would settle for and she said {$700.00} I know had I was made aware of this at the time I would have been able to get help from the provider on the cost. The women told me that I should have done it then when it was with the provider. Again I was never told or I would have. She was extremely rude and all I was trying to do was get information.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Inquiry Dear TransUnion Customer Service, I am writing to formally dispute a fraudulent inquiry listed on my TransUnion credit report. The inquiry in question was made by XXXX XXXX  on XX/XX/XXXX. I believe this inquiry is the result of identity theft and does not pertain to any account or application that I have authorized. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 6 ), inquiries resulting from fraud must be removed from credit reports. This section mandates that if the consumer provides sufficient evidence of identity theft, the reporting agency must block any information related to the fraudulent activity. Since neither TransUnion nor XXXX XXXX  has provided proof that this inquiry is legitimate or belongs to me, I request that you promptly remove it from my credit report. 

Please consider this letter as my official request for an investigation into this matter. I also ask for a confirmation of the removal once it has been completed. Attached are any documents I have that may support my claim. 

fraudulent inquire XXXX XXXX  ( XXXX, XXXX XXXX ) Thank you for your prompt attention to this serious matter.
Product: Debt collection

I never received any information on whom I owe a debt to or what company I owe money too. I never received any information from this debt collector of whom they were trying to collect on. Then when i asked they just told me I owe this amount to them and just pay it. 
I reach out to them when i seen this information on my Credit report on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, Principle XXXX submitted my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run onXX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.
Product: Money transfer, virtual currency, or money service

I went on XXXX to purchase an item. The item was listed for {$2.00}, but in the description of the item the seller said they only accept payments from XXXX or XXXX. I have a Wells Fargo checking and savings account and I used XXXX from the Wells Fargo app. The seller wanted {$550.00} for the item and they sent me messages through eBay I have all of the messages on my XXXX account. I sent {$450.00} through XXXX on my Wells Fargo app. I messaged the seller Ill pay them the rest later that week. The next morning the item on XXXX  was taken down and the seller never messaged me back after I sent a few texts. The seller scammed me for {$450.00} and I filed a claim at Wells Fargo on XXXX I waited the 10 days for them to give me an answer on my case. I called Wells Fargo and I was told Im not receiving anything for what I lost despite me having all the evidence of what happened.
Product: Money transfer, virtual currency, or money service

I logged onto eToro website in order to buy some crypto currency. After trying to get the account set up and working I tried to cancel the account because the currency I wanted to buy wasn't available. After that date eToro tried two more times to take out the original authorized {$200.00} dollars. After the final attempt I had to call my bank and stop payment. I then received a letter from XXXX XXXX XXXX saying they were turning me over to collections for the original {$200.00} plus {$50.00} for a returned item fee. I have tried numerous times to call this company and only receive pre-recorded messages directing me to their non user friendly website. I am not using this companies services and want nothing to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

Contacted Credit World Services to verify validity of a balance on College class balance not paid by student loans or financial aid.The representative there did no assist me in any way. She basically stated that this will remain on your credit no mattet what you do.
Product: Mortgage

My fatheXX/XX/XXXXXXXX yrs ago and before he XX/XX/XXXXhe said we could continue to make payments. I have had so much happening in my life that I didn't think I had a problem. I have made every payment on time but PNC started forclosure and was trying to sell it without telling us. I've hired an attorney to temporarily stop the sale. They finally after 10 months sent payoff with a bill for {$12000.00} for their attorney. I stayed with my dad for 3 months before he XX/XX/XXXX, my son got sick and for 7 months I took care of him, my husband had to have emergency bypass and 3 months laterXX/XX/XXXX, and my brother who lives in my dad 's place and has lived there for XXXX yrs got XX/XX/XXXXand has less than 25 % of hisXX/XX/XXXX after covid so I had to take care of him and pay his bills. This is stressing me and him out to XXXX XXXX we are sick. The payoff is {$27000.00} I can borrow the money for that but I shouldn't have to pay {$12000.00}. My dad couldn't read or write so what ever they told him he believed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 {$3500.00} I need help undoing all of my name accounts, suspended credentials, or any errors. I want to remove everything that hurts my name XXXX is asking me to pay {$3500.00}, but I didn't know how to remove it from my name. It's been a year and a half, and I couldn't remove it. My name is damaged because of them. I want help.
Product: Credit reporting, credit repair services, or other personal consumer reports

it's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had XXXX days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$45000.00} XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions