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

In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX a notice from XXXX XXXX XXXX that my account was being closed due to delinquent payments. I contacted XXXX XXXX and notified them that I never had a XXXX XXXX account and filed a fraud claim. This situation is currently being investigated by XXXX XXXX. On XX/XX/XXXX I received a notice from XXXX XXXX  that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by XXXX XXXX. 
As a result of these fraudulent activities I opened an account with Experian to check my credit history and current status and found that both the XXXX XXXX account and the XXXX XXXX  were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. Experian is currently investigating the fraud claims with XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action.
Product: Debt collection

What Happened? 
I am filing this complaint against Sunbit ( XXXXXXXX XXXX ) because they have reported an account on my credit file that I did not authorize, open, or use. I have been a victim of identity theft, and this account is fraudulent. 

Key Issues : 1. Unauthorized Account / Identity Theft I never applied for or opened an account with Sunbit ( XXXX Bank ). 
This account appeared on my credit report without my knowledge or consent. 
I have no agreement, contract, or transaction history with this company. 
2. FCRA XXXX Violation No Permissible Purpose Sunbit has placed a hard inquiry and reported an account on my credit file without my permission. 
Under FCRA XXXX, companies must have a permissible purpose to access or report on my credit file. 
Since I never authorized this account, it must be removed immediately. 
3. Failure to Provide Documentation / Debt Validation I have disputed this account with the credit bureaus, but Sunbit has not provided any proof of authorization, signed agreement, or validation documents. 
Under FDCPA XXXX, a debt must be validated upon request, and Sunbit has failed to comply. 
If they can not prove that I opened this account, the account must be removed from my credit file. 
4. Negative Impact on My Credit This fraudulent account is damaging my credit score, and I am suffering financial harm. 
The charge-off status and hard inquiry should be immediately deleted since this was an unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion about the unauthorized/unknown inquiries that are on my credit report. They have failed to adhere to my request. In the FCRA. 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. The information i am submitting is posted below. 

Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name XXXX XXXX XXXX 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

IN RESPONSE TO CFPB COMPLAINT : XXXX THIS ACCOUNT STILL REFLECTS ON MY CREDIT REPORT TODAYS DATE:XX/XX/2018 XXXX L XXXX XXXX XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION XXXX DEPARTMENT DOCTORS BUSINESS BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX L XXXX XXXX XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my complaint is too major credit bureaus XXXX  XXXX and equifax i found 2 accounts on my credit report that were fraudulent.I tried to fix it sent them an FTC report opening a dispute.Every time it comes back as verified as accurate.And thats when i realize how incompetent they are and how not serious they look at fraudulent information on your credit report.I mean you check your credit report you see inaccurate fraudulent accounts you dispute them and it comes back as verified as accurate? I can not say what investigation they are doing but the results are shocking what can i do from my end for these type of information to disappear from my credit report? I did FTC report and here is the FTC report number i will also attach the copy to this complaint.FTC REPORT NUMBER XXXX. 
First one is XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX Second is XXXX XXXX ACCOUNT NUMBER XXXX Third is XXXX Account Number XXXX Also There are some personal information that is wrong and inquiries that are also fraudulent.
Product: Debt collection

ATTACHED IS DEBT VALIDATION LETTER AND SSC I don't know what account this is and how this company got my personal information which they commited identity fraud to get that. I also don't have a contractual obligation to pay this fraudulent account CAPIO ACCOUNT # XXXX *Please see attached documentation
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I withdrew cash from my blockfi account. I followed up several times up through XX/XX/XXXX and customer service continues to say they are " processing '' my withdrawal but I still don't have my money. I don't know of any bak that takes nearly a week to transfer money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Social security # XXXX DOB XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX reporting agency, block information appearing on my consumer 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 an account that opened up by XXXX XXXXXXXX XXXX Acct # XXXX This accounts have resulted in fraudulent activity appearing on my consumer EARLY WARNING SYSTEM report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. I've attached the consumer report stating The account that is showing fraudulent activity on my EARLY WARNING SYSTEM report. I do not recognize the aforementioned accounts. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 card or prepaid card

I was in the hospital when the incident occurred I missing the sum of {$39000.00} out of my account with Wells Fargo I sent them information that ..that was not my fault I don't know the company the money went too..I dispute the charges and they still rule in an overseas company .I don't feel that's fair at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting incorrectly on my credit report as a loan that I dont have with them for a vehicle that I have sold during a collision. I have supporting documentation that this debt is reporting inaccurately due to the car/title not having a lienholder and was sold, because the vehicle was mine and PAID IN FULL.
Product: Credit reporting

I have disputed multiple times the incorrect information being reported for an installment loan from XXXX Mortgage that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX continues to ignore my request for them to validate the contract/digital signature details as % 100 accurate and complete without information withheld. XXXX has closed Multiple CFPB complaints under the statement that theyve already provided what Ive requested and my complaint is a duplicate. 
I would like to be very clear that XXXX has not validated the information they provided as % 100 accurate and complete without information withheld in regards to account XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, GA XXXX ] [ XX/XX/year> ] Experian Dispute Department Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite my previous disputes filed with your agency. The continued presence of this inaccurate information is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 


Furthermore, I am a victim of the Date Breach. I wish to highlight the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( Case No. XXXX ), which underscores the necessity for credit reporting agencies to fully comply with their legal obligations regarding the accuracy and timely correction of consumer credit reports. 


I have enclosed the following documents to support my dispute : 1. A copy of the disputed items highlighted on my credit report.

2. Supporting documentation validating my claims. 

I kindly request that you reinvestigate the disputed information, provide me with a detailed response, and remove or correct the inaccuracies on my credit report. Please provide written confirmation of the actions taken. 

Thank you for your prompt attention to this matter. I trust you will address my dispute in accordance with your legal obligations under the FCRA. 



Sincerely, [ XXXX ] [ XXXX ] [ XXXX ] Enclosures : Screenshot of the Date Breach Screenshots of credit report with disputed items highlighted Copy of the Complaint Supporting documentation Let me know if youd like further adjustments!
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX of XXXX. I recently looked over my contract and noticed that the dealership, XXXX XXXX, had committed fraud in multiple ways : For one, they didn't provide me with my right to cancel. Second, they lied to the bank ( Capital one ) about my income and how much I paid for rent. Third, we had an agreement for a deferred down payment in the amount of XXXX dollars. However, they failed to disclosed this to the bank. Fourth, they gave me add on products I didn't ask for. And lastly, they told me that the down payment was the only way for me to take home the car. After working for a car dealership, I now know that wasn't true. I also sent XXXX XXXX a letter of rescission as well as a letter revoking Power of Attorney for the XXXX XXXX XXXX XX/XX/XXXX. However, to this day, they have yet to respond to the letter.
Product: Debt collection

On XX/XX/23 a collection account was opened against me with Conserve. At this time I had moved to another state. I was unaware that the collection account had been opened against me. Mail was never forwarded to me. It was when I attempted to collect a transcript that I was notified of the debt. I cleared this debt through the original creditor. Conserve refuses to remove this from my credit record at this time even though I was unaware. I am unable to provide housing for my family due to the collection on my credit report.
Product: Checking or savings account

Dear Sir I am a XXXX of XXXX. I had worked with XXXX of XXXX and USA My XXXX have been depositing my money in my Pay Pal account USA.. 
There was XXXX XXXX USD in my pay pal account. Mr XXXX ( XXXX ) was pay pal Manager, He was not paying the money XXXX XXXX USD on the vplea that Pay pal facility is not available in XXXX. He said that he can not even talk to people speaking from XXXX, He first sold my account to persons of XXXX XXXX than mis-appropriated my money and refused to pay me. During XX/XX/2020, the matter was reported to Federal Trade Commission and Honorable judge decided to pay the money during 2020. 
Now some one has said that Judge has cancelled his decision. It is requested that necessary action be taken against Mr XXXX for recovery of my money from him.
Product: Credit card

I Opened a U.S. Bank Business Leverage Visa Signature Credit Card with US Bank in XX/XX/XXXX. I closed the account in XX/XX/XXXX within the 30-day grace period which means I would not be charged the {$95.00} Credit Card Annual Fee.

US Bank Withdrew {$95.00} from the account DESPITE the account being closed and the payment method being removed.

They immediately removed all information regarding this account from my US Bank Portal. 

I called in XX/XX/XXXX to determine the status of the {$95.00} refund, and the customer service agent stated that a check was in the mail. I called again in XX/XX/XXXX and a different agent stated the same thing. I called on XX/XX/XXXX, and the agent stated that no check had been refunded.
Product: Credit reporting or other personal consumer reports

I am a 100 % XXXX vet and have received a letter from the VA that my student loans have been forgiven. I received information from the VA that a letter would be provided to my Student Loan holder ( MOHELA/XXXX  ) so they can update their records and settle my loan. After waiting over a month, I filed a dispute with the credit agencies and once the dispute was complete, XXXX updated the status of my loan ; however, the other two agencies provided a statement saying that my loan status was updated. After viewing the updated status, it just stated that my loan was being paid on time, however, no payments had been made and I still owe the full amount of the loan. I contacted the credit agencies and they told me to contact the Loan provider. I contacted the Loan provider and they told me they no longer have my loan and the credit agencies were wrong. I requested documentation and was told they could not provide it, but it should be reflected on my credit report because they no longer held my loan. I filed another dispute with the two credit reporting agencies and it has now been well over 30 days and there has not been an update to the status of the loan other than a dispute was filed. Now each time I try to check for an updated status. I am locked out of my credit account for no reason. I want these loans removed from my account as I have provided them information that shows the VA has paid these loans. I also would like an update to the credit report immediately.
Product: Credit reporting

Transunion, and Equifax have  re0inserted  an Item that was deleted almost a year ago. per FRCA, th e CB  's did not inform me within the 5 days of re-insertion.
Product: Debt collection

They send me emails every day now that they can only call every 8 days they will send to attorney. They send emails with things like your future is inevitable pre legal track
Product: Credit reporting or other personal consumer reports

This is my first endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with XXXX  and it has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Product: Credit card or prepaid card

Comdata is refusing to issue credits that were agreed upon between XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX  ). In Comdata letter, they state " but to date, you have not retracted the XXXX statements regarding the fraudulent application and fraudulent payments. '' Per XXXX XXXX specific request on XXXX, I have sent an email on XXXX requesting the account to be reopened. See attached. On XXXX, XXXX XXXX stated, " I found the issue and the entered credit for the missing amount. Will you be able to send me a letter so that we can get your account reactivated in the meantime? ". On XXXX, a letter on company letter head was sent to XXXX XXXX, per his request and sent to Customer Care and XXXX. See attached. 
There is no indication from XXXX XXXX or anyone else that these letters are " not sufficient ''. All documentation was sent at the request of XXXX XXXX in good faith without any objection from either party. If Comdata would like assurances from future claims then they need to provide the sufficient language that they would require. Comdata would need to issue a check for {$69.00} to have this matter closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies XXXX  and Experian continue to list a bankruptcy on my credit report. I have contacted both of these companies by phone fax and certified mail. I have contacted then in XXXX, XXXX, XXXX and now XXXX. I have contacted the US Bankruptcy court and they report they did not share this information or nor would they. Where dis this derogatory reports come from? I haven't been able to obtain employment due to this? I have been denied credit due to this. 

This information is incorrect and inaccurate and I would like it to be reinvestigated and removed. 

I also called both agencies this morning without any success. It's still being reported on my credit report as of this morning!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Inquiries XXXX 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

I've recently checked my credit report and noticed soe inaccurate accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX