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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. I did not authorize these inquirieXXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. I did not authorize these inquiries XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft Report.
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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  AV XXXX, IL XXXX XXXX XXXX  OUTSOURCING ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX  CB XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Student loan

I applied for the Public Service Loan Forgiveness Program. In XXXX when I was accepted into the program my loan was transferred from XXXX to XXXX   XXXX. I never received any correspondence in the mailing stating the change or that I was even accepted into the program. Last week I received a notice from XXXX XXXX stating my student loans were behind 120 days with XXXX XXXX. So I called them to see what this was referring to because I was under the impression I was still with XXXX. I was told about the consolidation and transfer of the loan. And that they were sending my correspondences to an old email address because when I had XXXX XXXX back in 2013 I was signed up for paperless notifications. I was never notified that I needed to reapply for my Income Driven Repayment Plan which doesn't come up for re certification until XXXX with XXXX. So my credit was hit very hard because I wasn't properly notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX XXXX and is reaging this account to show a negative account on my Equifax, XXXX reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023.
Product: Checking or savings account

Today I attempted a wire transfer for an urgent purchase of a vehicle. I did the transfer correctly as instructed. Capitol one cancelled the transfer but has not refunded the money yet. Unfortunately, I need the money urgently, thus why I specifically requested a wire transfer. Calling the bank the manager told me they could not do anything to ensure money gets return promptly. I am still waiting. I opened a complaint with Capitol One and the complaint number is XXXX.
Product: Credit card or prepaid card

Paypal XXXX XXXX  Synchrony Bank advertises 2 % cash back on all purchases. 
I have had my Pay Pal XXXX XXXX for 24 months. I have never been late on a payment and pay my card balance in full each month. I have a excellent credit above XXXX. 

I received a letter on XX/XX/XXXX dated XX/XX/XXXX stating my account has been closed due to " high risk of failure to pay. '' This notification comes with over {$6300.00} in purchases made up to 60 days prior to any notification where I will not earn the advertised " 2 % cash back ''. Following several calls to customer service no one can explain the verbiage of " high risk of failure to pay '' or can help with honoring the " 2 % cash back on all purchases. '' I have been told once the account is closed all prior purchases are not eligible for cash back prior to the closing notification. I made these purchases in good faith using the Pay Pal XXXX with the expectation Pay Pal XXXX XXXX Synchrony Bank would provide the advertised 2 % cash back. If I would have been notified of this closure I would have happily used another credit card that honors what they advertise in rewards. 

Please beware of Synchrony Bank and Pay Pal XXXX XXXX!
Product: Credit card

My husband and I banked with XXXX XXXX in XXXX XXXX for 30 years and were among the accounts Chase inherited from XXXX XXXX following its failure during the pandemic. After Chase issued me a debit card this year, I elected to close a Chase XXXX credit card that I opened years ago for business purposes that no longer existed for me. I called customer service on XX/XX/year>, waited to speak to an operator, stated my business, and eventually was connected to a person with authority to close the account. However, that person argued with me extensively, saying he was reluctant to close an account that had been active for XXXX  years. He offered all sorts of options that I did not need or want. I was forced to keep stating that I wanted to close the account while he kept making offers that I am sure would have required continuing fees or payments from me. Eventually he agreed to close the account. I did not appreciate being pressured to accept alternatives to closing a credit card that would have extended my financial obligations to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 certified mail was sent to LVNV funding LLC in regards to a debt of {$860.00}. I asked the company to sent validating documentation for said debt. It is now XXXX of 2023 and I have yet to receive proper documentation. The company has failed to validate the debt within 30 days. 

The company also does not the legal licensing required in FL to collect debt as reported by the XXXX
Product: Debt collection

In XXXX I got divorced. In the divorce degree the court ordered my ex wife responsible for several credit card debts. 

in XXXX XXXX closed the account for the XXXX XXXX Credit card with a balance of {$750.00} that was one of those accounts assigned to my ex wife. as a result of providing them a copy of the documentation. In XXXX the account was charged off. and stopped appearing on my credit report. 

In XXXX of this year, a Company ( Cavalry Portfolio svcs ) I had never hear of, nor initiated any business with started reporting this debt again to the credit reporting agencies. I reached out to the company to find out what was going on. They told me the purchased the debt from XXXX, and that I was not responsible to them for the debt. I provided them the same information, and let the know the account had been closed for some time. The continue to report this to the reporting agencies. I even offered to pay them what they paid for the debt, but they refused. 

This debt is not valid. I have provided proof, and I have never agreed to a business relationship with this company. They do not have my signature affirming I have agreed to have an account with their company. 

I have disputed this with the credit reporting agencies, but they seem to believe it is valid, even though there is no agreement between me and this company.
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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In the beginning it was explained to me that this particular loan was to help small business owners and there was no interest, but just a fee added on to the loan. Currently my payment status is up to date but the last time I spoke with the company I asked them about final payment and they told me I owed the amount {$1900.00} on top of the {$1200.00} Ive already paid them. I was confused about the total amount because the loan was only for {$1200.00} originally when I told them I was never explained any of these extra fees they seem to backpedal and couldnt explain anything and told me they can email me the agreement. The email stated that I abandoned the call with an agreement attached that I was never properly explained. I dont want this bad loan to affect my credit that Im so desperately trying to repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus, and they said that they verified the information from my credit report during their investigation. But how is that possible when the last date active was incorrect, the account type is also inaccurate. This is definitely grounds for removal, which they have violated my rights under 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I hav had multiple ftc reports I have consistently complained and summits disputes I dont understand how easily a credit bureau can place things onto your credit only to hurt or against you and they can not verify it or just remove it without penalty XXXX XXXX XXXX I have never had a account with them I never had service with them please immediately remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I inform you that I am NOT responsible for listed accounts as I have been a victim of Identity theft. 

I have already notified both my local police department and the federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please delete the following accounts from my credit report immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX ( Agent/Beneficiary ) Without Prejudice, All natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I am the victim of ID theft and Equifax is reporting a fraud account. I have tried disputing it and have sent in a police report as well showing it is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding two late payments reported byXXXX XXXX my credit account. 
A Credit Card under my name XXXX XXXX account open since XX/XX/year>, # XXXX with excellent management. I have maintained a consistent history of timely payments for several years. However, XXXX XXXX reported a late payment related to anannual fee chargewithout making anynormal attempt to notify me through the multiple communication methods they have available, including text message, phone call, or letter. This failure to communicate directly resulted in an unfair negative impact on my credit report. 
Under15 USC 1681iof the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit report. Additionally, under15 USC 1681s-2 ( a ), data furnishers are required to ensure the accuracy and completeness of the information they report. The reported information must be corrected or removed if it can not be verified. Furthermore, under15 USC 1666, the Fair Credit Billing Act grants me the right to dispute billing errors, including charges that were unfairly reported without proper notice. 15 USC 1666b : Requires creditors to provide clear and timely statements before reporting a late payment. XXXX XXXX failed to do so in this case. 
Given that this situation has negatively affected my credit score, I request a thorough investigation into these late payment entries. If XXXX XXXX can not provide verifiable proof that they properly notified me and that the reporting was accurate, I formally request that these late payments beremoved from my credit report immediately. 
Please find attached relevant supporting documents for your review. I expect a written response within30 days, as required by law. 
Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs Apple credit card reported I had a late payment on XX/XX/2022. I called the creditors and they wont fix it or help me anyway. I talked to different people and they never help me with this. I just want them to report it as PAANL ( Paid as agreed, never late ). 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. 
EQUIFAX INC EQUIFAX LLC EQUIFAX CONSUMER SERVICES ARE NOT FOLLOWING THE FCRA RULE OF LAW. 
EQUIFAX INC. IS NEGLIGENT.

EQUIFAX INC HAS CAUSED DAMAGES TO MY NAME.

EQUIFAX INFORMATION HAS CAUSED DAMAGE TO MY FAMILY FUTURE.
Product: Credit card or prepaid card

I RECEIVED A DEBIT CARD IN THE MAIL I DID NOT APPLY FOR, I AM CONCERNED ABOUT SOMEONE TRYING TO STEEL MY PRIVATE INFORMATION, THERE USING MY NAME AND MAILING ADDRESS INFORMATION .I CALLED US BANK RELICARD SERVICES BUT THEY WERE OF VERY LITTLE HELP, I HAD MY PRIVATE INFORMATION STOLEN ONE TIME AND IT WAS A VERY BAD SITUATION FOR ME, I HEARD ABOUT THIS HAPPENING BEFORE WITH THE SAME COMPANY, I HOPE SOMETHING CAN BE DONE ABOUT IT ... ... ... ... ... ... ...
Product: Credit reporting or other personal consumer reports

Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX. Ive been trying to get a fraudulent Dismissed Bankruptcy off my credit file with Equifax for over 6 mos. I have provided documentation from XXXX XXXX, Equifax keep sending me the same results stating that its been verified dated back in XX/XX/20. I also provided them documentation from XXXX XXXX stating this file was deleted because it didnt belong to me, I forward a copy of the letter from California XXXX XXXX XXXX stating they dont do third party verification and I sent the letter from Pacer   stating they dont do third party verifications. If equifax had verified this erroneous account XXXX XXXX wouldve verified they deleted the Bankruptcy from my file. Equifax continues to lie and disregard the proof provided. 

Not to mention all my data was apart of EQUIFAX DATA BREECH! NEVER WAS COMPENSATED, NEVER GOT ANYTHING THEY PROMISED!! Than they have the nerves to lie and not due their job!! 
I spoke to a lady today w/Equifax she said Equifax verify with the courts but the dispute results states Otherwise. The dispute results states that this account was verified through XXXX XXXX! I am preparing to file sue against Equifax if this isnt deleted ASAP! Please contact me ASAP. Thank you so much! 

XXXX has been doing the exact same thing! They arent verifying information they only go off their last verification when I really dont think they verify anything they just tell you in writing that the erroneous files will stay on your credit file and it proved to belong to you! Someone really needs to look into these two agencies regarding their ethical behavior as to how they handle peoples credit file. My next complaint with be with my attorney to file a law suit. This is awful!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported by Experian, XXXX, and XXXX, I have numerous old student loans that should have been removed from account going back to 1995. I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.