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

To whom it may concern : I have recently been informed that there is negative information reported by the XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing with reference number XXXX filed on XX/XX/year>. 

The entry with reference number XXXX filed on XX/XX/year> with this court appears to be in accurate. 

Please verify and validate this information with the court and provide me copies of any documentation associated with account granting new access to report this information, bearing my signature. In the absence of any such documentation, bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I have contacted the United States bankruptcy court for the district of XXXX in person and via USPS mail. Their response to me in reference to any credit reporting is that they are not a credit agency and dont report to any credit companies. There for I am demanding that this incorrect information be immediately removed from my credit report. 

Best, XXXX XXXX XXXX
Product: Debt collection

Credence collections is attempting to collect on a debt that isnt owed for XXXX. Basically, a XXXX contract was cancelled early due to a military move protected under SCRA law. XXXX mistakenly charged a early termination fee but when I called them, they corrected the error and agreed that there was {$0.00} due on the account. Somehow, credence now owns the erroneous debt and keeps sending letters and has put a delinquency on my credit report that is false. I have disputed it multiple times but they keep saying they have validated the debt. I called XXXX again and they said that there is no debt and to contact credence. Im getting the run around and its hurting my credit score over a false debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX XXXX ; EXPERIAN located in XXXX XXXX and XXXX located in XXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

These fraudulent accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my XXXX credit reports, which are damaging my credit and were not initiated by me. 
I made multiple attempts & disputes. My next action is litigation against each company and credit reporting agency for allowing this to be reported for so long after multiple complaints of fraud.

This has severely affected my life. Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud.

Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) & I demand immediate response that this fraudulent information & accounts be blocked and removed from my credit report immediately within 4 business days. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

Please See Attached Notarized & Non Notarized Files. ALSO : These addresses Ive never lived at : These addresses are also associated with these accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX laws are violating multiple laws & my rights : Attached Is A Notarized Dispute Letter Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my debt with XXXX XXXX XXXX over 5 times already with experian. They have failed to properly investigate this debt and just accept a yes from XXXX XXXX without any actual proof of this debt. I never opened this account and XXXX XXXX has no actual proof of who opened this debt. I have disputed with XXXX  and with Experian. I have sent letters requesting valid proof of debt under FCRA section 611. This debt has hurt my life and family as i am being punished by experian for a debt that is not mine. This debt must be deleted right away as it is not mine. The amount that they are asking for is {$820.00} and have tried to trick me into paying for a debt that isnt mine with harrasing me and saying i will be in legal trouble over phone calls. This company should be investigated and experian should not be allowed to report debts if they dont even take time to properly investigate the debt. I have also submitted the letter i sent to XXXX XXXX requesting proof and they sent me a bill showing somone made charges on a account i have no knowledge of. They never sent any proof of the debt! Just becuase somone else or this company has a bill for a purchase used with this account, does not make it valid to be mine! Under the law they must show actual proof like a valid ID that was used to open the debt. Or anyone can just open accounts and without proof everyones credit would be ruined. That is called fraud and XXXX  and Experian are letting this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our family was impacted by COVID-19 and forbearance was requested on our mortgage and auto loans and agreed to by our loan servicers. We did not miss any payments and all loans shows in good standing and paid as agreed. Despite this, Transunion and XXXX  immediately dropped my credit score substantially while XXXX  did not. This appears related to reporting by XXXX  XXXX XXXX on our auto loan. I submitted a dispute with Transunion on XX/XX/20, but this did not appear to resolve it per the dispute outcome notification I received on XX/XX/20. My understanding of federal legislation from the CARES act was that requesting and receiving forbearance during this time would not result in negative credit reporting. As our situation has improved, we no longer need forbearance and are resuming normal payments. Our family will soon be looking at refinance options for our home and the drop in credit score impacts our options as well as rates available to us. I don't believe my credit score should have been negatively impacted by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am the author of this complaint. 

No one is acting on my behslf, and as such - please do not dismiss this complaint in this manner. 

There is a prior complaint, and communications that have been sent to Equifax, and then with no response. 

For this request, and as I allowed - I request a new = printed copy of my consumer report once the investigation is completed, My address, is on my drivers liscence ( attached ). 

In equifaxes system, they apparently store effective dated data, which simply means it sorts data by the effective date - a file, a change date etc. 

In Equifax 's system - the following is occuring. 

1. Effective Date exists for Addresses 2. Source of Data is not visible to the consumer 3. XXXX XXXX XXXX XXXX, XXXX, NJ XXXX is eff dated XX/XX/2021 4. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, is eff dated XX/XX/2021. 

In a normal system/report - CURRENT, means the most current information is flagged as such.

This is not occurring, and is then producing inaccurate data to me, any to anyone who has access to this report. 

Instead- Equifax is displaying a historical ( and then still inaccurate ) address in my records. 

I haven't live there in almost 5 years. 

This was changed- previously to the correct address, and then reverted back to the inaccurate value. 

In the screen shots- attached- you can see the changes and then the effective dates in the change itself.
Product: Credit card or prepaid card

I was approved for a credit card XX/XX/2021. As of XX/XX/2021 I have not received the card. There is a 3 month promotion to get XXXX if I spend XXXX in 3 months. Now I have lost a month. 

THIS IS A BATI and Defrauds scheme. Reduce the time people have to act on a promotion so it is near impossible to qualify for the promotion. 

Citi would not take my lost card claim. They insist I wait. The is a criminal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open. 


please i have called the stores many times to report the fact since i was robbed i kept calling some stores they closed the card but do not delete the fraudulent accounts on my credit please delete these fraudulent songs that i selected here i am not
Product: Credit reporting or other personal consumer reports

I recently discovered that I am the victim of identity theft. There are inquiries and accounts on my report that do not belong to me. Please remove these hard inquiries/accounts immediately. XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX XXXX XX/XX/23, XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing one CAPITAL ONE credit card account on my Social number. but I never applied for CapitalOne credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is capital one account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing
Product: Credit reporting, credit repair services, or other personal consumer reports

Received alert on XX/XX/19 from credit monitoring company that my XXXX XXXX XXXX has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XX/XX/2019 was 0 % and at XX/XX/2019 it was at 64 %. 

XX/XX/XXXX and Experian both are reporting that both accounts have been closed and settled. 
See attached documentation ...
Product: Checking or savings account

On XX/XX/XXXX I mobile deposited a IRS refund check in the amount of {$1900.00} into my checking account with Capital One. I received an email confirmation that my check was received. An hour later I received another email that after a review, the check will be delayed and not be deposited until XX/XX/XXXX. Then I receive an email stating that the check was successfully deposited and I could destroy the check. 15 minutes later I receive another email stating that Capital One noticed unusual activity on my account and for my protection I wouldn't be able to make withdrawals or transfer money to or from my account and after the investigation of account, my account could be possibly closed. I immediately called them and was advised that they would be closing all of my accounts and after the investigation my funds would be sent to me either external account or by check within 7 to 10 business days. i asked for the reason and didnt receive one. I've asked if they wanted the original IRS check and was told no. I've called every other day since XX/XX/XXXX and havent received any further information on why the account was closed or when my funds will be sent to me. in addition to the check that was deposited i had additional funds in my account and havent received those either. ive banked with Capital One for the past 8 years and havent experienced this ever before.
Product: Debt collection

Call company today. Tried to explain that I have previously stated cease and desist.I contacted the municipal court, they stated no action will be taken, these are from 2008. I did receive a letter yesterday stating that your drivers maybe suspended and a may be an active warrant for your arrest. I have asked again to cease and desist and was told today that they will not do that and call and letters will continue.this I harassment and I wan it stopped!
Product: Credit reporting or other personal consumer reports

FCRA 605B, as I understand it, necessitates the removal of any erroneous accounts from my credit report. Could you look into the documents? There are inaccuracies in the reporting, amounts, and dates of some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud reporting on my personal credit profile from Identity Theft My personal information was used to open accounts on my credit profile.

these accounts have had a very negative action on my credit profile as well and i have disputed with the reporting credit bureaus with no change to my profile because there is never an investigation into my claims even when i presented inaccurate and unverified information to the bureaus. this is my third attempt to have them remove the invalid accounts from my personal credit profile and if they fail i will seek legal actions against the XXXX reporting bureaus. TransUnion, XXXX, XXXX for reporting false information on my credit profile. A report was also filed with the FTC and Local Police
Product: Mortgage

I became very ill XX/XX/XXXX and have been unable to work since. I have had XXXX XXXX because of this issue ( XXXX ) and have had no luck in resolving the problem. I was on XXXX and just this past month was approved for XXXX. I lost my job and all of my benefits XXXX because I could not return to work and at that point my income went down to less than XXXX % of what it was and I had to start paying over {$400.00} a month for health insurance. My fianc and I maxed out our credit cards and used what money I had in my XXXX to try to continue to pay all of our bills including the house mortgage, but it got to the point that we were unable to keep doing it and were just falling farther and farther behind. XX/XX/XXXX year we put the house up for sale and moved into our other house as the mortgage was cheaper ( house that was left to me when my parents died ). In XX/XX/XXXX we stopped paying the mortgage. I have talked to Nationstar on at least 2 different occasions asking about the deed in lieu of foreclosure and they would not answer the question, but would just ask me if I wanted to refinance or if I had refinanced. I explained to them that it would not do any good as I would not be able to make the payment even if it was reduced and explained to them what had happened to me on several occasions. Now they have sent foreclosure paperwork. Why is the deed in lieu of foreclosure not an option? During the 5 years that we owned the house we put over {$30000.00} into the house as we had planned to stay, so the value of the house has only gone up since we bought it.
Product: Vehicle loan or lease

I went to the dealership with an promise of just being an guarantor on an car on XX/XX/XXXX. Unnoticed to my knowledge i signed for an XXXX XXXX XXXX XXXX XXXX worth XXXX and an car loan for XXXX plus interest as well as insurance with XXXX with promises to pay {$860.00} at an later date. I didnt know that everything was going to be in my name and that i would be fully responsible for these payments and further more i didnt have an liscense to operate an vehicle or get insurance.
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars through money gram to a family member on XX/XX/XXXX. My brother went to XXXX XXXX in XXXX the following day and they said they had no money there for him. He went back again on XX/XX/XXXX after I called Money Gram and they still said there was no money available. I spoke to the XXXX XXXX manager in XXXX and they said there was no money. Money Gram told me to call every four days so I called about four times and they kept on saying to send my brother back to get the money and that it had already been recieved. Then they told me that they would do an investigation that would take 4-90 days.
Product: Money transfer, virtual currency, or money service

There aren't any legitimate companies ; Repeated XXXX XXXX generated immediately after disconnecting from one number. Person with very strong foreign accent claiming to be from XXXX XXXX XXXX  ( earlier in week ) to today from Chase Bank. Numbers are coming through caller ID as such as well. 
All listed Chase : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Product: Vehicle loan or lease

In XX/XX/2018 my loan was paid off to wear lake financial my insurance paid almost XXXX wich was a total loss now west lake financial is arguing that I still owe XXXX because gap didn't paid all paper work including copy of gap insurance and claim number was provided by friendly XXXX where I bought my truck well today I tried to take a car out and is says on the credit that is a charge off well I found out that is a repo and that supposedly I signed a waiver for a gap I as mr XXXX for a copy of the paper and he just simply said il transfer you to someone else so you can tell them whatever you want! So I get transferred and I've been and the lady told me that I was calling the wrong number gave me another number and she said I do have gap insurance and transfer me to another number wich I was on hold for 30 minutes and nobody answer what can i do?????????? I can provide with all the paper work and copy of friendly XXXX contract where it says it was paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrect information attached to my social security number and personal information. I was a victim of identity theft back in XXXX and XXXX. Fraud alerts and police reports were filed as to my purse being stolen. Bank accounts were opened in my name and credit cards that I have disputed over there years and have been deleted from my credit report. XXXX has these inaccuracies still attached to my name and social security number. I would like all inaccuracies to be deleted from their data base.
Product: Debt collection

On XX/XX/2022 World Finance received my dispute to an alleged debt. They have 30 days to validate this alleged debt. As a federally protected consumer World Finance is in violation of my rights.