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

am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX the account number XXXX an auto loan account opened at XXXX XXXX  on XX/XX/XXXX, XXXX the account number XXXX, and a personal loan account opened at XXXX XXXX XXXX on XXXX, XXXX  under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Experian Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX .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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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. 
What would be a fair resolution to this issue? : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name spell on the credit report is incorrect
Product: Debt collection

They call me several times a day at least 4-5 times a day everyday. 

I have received 7 calls from them and it is only Wednesday. 

I have received a call atXXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX ( XXXX XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been trying to resolve these issues for years. its so unfair that I cant purchase a house or access Business funding because of these fraudulent credit bureaus. This is the last time trying to resolve. Please investigate XXXX. AWA I don't even know what or who that company is and XXXX XXXX XXXX I never ever did any business with these people. If any further Questions please contact XXXX XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

****THIS COMPLAINT IS BEING FILED BY ME PERSONALLY. I HAVE FILED COMPLAINTS BEFORE AND YOU HAVE TRIED TO STALL ME BY SAYING YOU BELIEVE THIS IS FROM A CREDIT REPAIR COMPANY. YOU ARE MISTAKEN AND I EXPECT MY COMPLIANT TO BE HANDLED IMMEDIATELY**** ATTENTION EQUIFAX This Complaint is in response to your recent claim that Goal Financial has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable and I believe that is what you have provided to me under confirmation number XXXX I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing this complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please be aware that dependent upon your response, I may be detailing  any potential issues with your company via an online public press release, including documentation of any potential small claims action as well as filing a complaint with the FTC, State Attorney Generals office and the BBB. The fact that you continue to send me nothing more than an automated response simply stating that you have verified the information with XXXX XXXX is unacceptable. I am attaching the investigation results from XXXX to this complaint showing that they were unsuccessful in obtaining verification. I find it very hard to believe that Equifax has a magic wand that allows you to have instant communication with XXXX XXXX to verify this information. If you wish to face me in court that is fine, but I have sufficient proof that I was never late on any payments with XXXX XXXX and that this specific account does not even exist any more. I would take this compliant very seriously as this is your last warning.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Credit card

This is a general public benefit complaint not just for me. 

Department Stores XXXX XXXX and Macys XXXX have a store credit card. Macys also has a loyalty program called XXXX XXXX. If you purchase any item they issue star points which can expire ( and they remind you to use it ). However if you return an item they do not refund the full amount back to you if you have used XXXX XXXX. They deduct something which is a loyalty reward ( that no one asked for in the first place ). This is misleading and disingenuous.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has no account information. 

I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly removed or updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX  XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Employer : XXXX XXXX XXXX XXXX  XXXX Collecons : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  SELF-REPORTED XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX, VA XXXX Collecons : XXXX XXXX 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 card

I am a servicemember stationed on XXXX XXXX Louisiana orders and have been here since 2022. American Express is not upholding the Louisiana XXXX which drops your interest rate to between XXXX %. I have done the Louisiana XXXX with multiple other banks with no problem, but the AMEX representatives I talk to seems to be unknowledgeable about the LA XXXX. This is the source that I've used with all my other banks : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy of late payments shown on my credit report with Transunion. 

According to my credit report, my XXXX ( account no : XXXX ) was 60 days late : 30 days as of XX/XX/XXXX and 60 days as of XX/XX/XXXX. 

However, on the company 's website, I was never late. I actually paid off the balance in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed a recurring charge of XXXX from XXXX but did not know what it was for. Contacted XXXX and no charge in my account was associated with the credit card. Called Barclays to investigate and close my account as I was advised it was the only way to stop the recurring charge, since XXXX could not identify its source. I was told the account will be closed. I declined to have another card as I do not use this account. 

In XX/XX/XXXX I receive an alert on XXXX that my credit score changed due to a late payment. As I look further into it, I see it is from Barclays. When I call I am told not only that the account which I requested to be closed is still open but continued with recurring charge and I am now delinquent in. No resolution was given in the past regarding fraud report and now my credit has been affected. I am told the account will be closed and investigated. I am not responsible for charge of {$17.00}. 

On XX/XX/XXXX I see an email that I now owe {$35.00} and receive another alert of credit score decreasing further from XXXX now XXXX because not only is account still open now I am being charged fees. 

I have made multiple attempts with Barclays to resolve issue and not only have I not received support I have been lied to and damaged my history.
Product: Debt collection

XX/XX/XXXX MIDLANDMCM I HAVE NO IDEA WHAT THIS IS, FILED A DISPUTE WITH XXXX.
Product: Debt collection

I have never received a call or letter today from XXXX XXXX until today ( XX/XX/2021 ) letting me know that I am in debt with them in the amount of {$26000.00}. I have owned a car years ago but never had insurance on it. Never have I had an accident with anyone involving XXXX XXXX. This letter is demanding for me to make a payment within 30 days that the letter has been sent or they will collect money including bank levies, my paychecks or any personal property that I may own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX
Product: Debt collection

Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months I have been working with a realtor to become a first time home buyer. As the realtor been running a soft credit check there was problems with all 3 credit bureaus. I was able to fix the problem with XXXX and XXXX. I have called Experian several times stating that I have an open credit card account with XXXX XXXX since XXXX of XXXX. Experian has tagged my credit report with unable to receive a score and I am unsure why? I have also faxed a letter to XXXX XXXX to make sure that my account is being reported to all 3 credit companies. I have spoken with a customer representative four or five times and it is exhausting not knowing what I should do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX TXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Trans Union has reduced my Fico Score down to XXXX points!! There's no proof of late payments and I am up to date on my credit cards. They have not explained the cause for this! I want them investigated expeditiously! 
I work hard to improve my credit score and they play with people 's lives by doing this! 
I need my credit score restored back and XXXX points increased! 
How dare you be so comfortable with causing me stress!
Product: Mortgage

I previously went through a divorce and through the process my x wife wasnt making payments and the mortgage got behind. I filed for a loan modification with me and my mom as a co borrower. I have never had a loan modification before. Wells Fargo kept requesting the same documents for over one year, only to reject my loan modification for reason that was false.