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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of ID thief, and harassment someone take a mortage using my credit and car loan
Product: Credit reporting

My name was incorrect on the bill and the credit account name was typed by a representative holding my license. Everything I tried to pay my bill they could n't find my account by name social security or phone. I tried XXXX 4 times to lay the bill. Finally it went to a collection agency and they called my phone and helped me take care of it. Bill went delinquent just because they would n't double check spelling with my license in their hand.
Product: Credit reporting or other personal consumer reports

I HAD A COLLECTION POP UP ON MY CONSUMER FILE. I HAD NO KNOWLEDGE OF THIS ACCOUNT. THE EMAIL THAT THE COMPANY HAS ON FILE IS NOT MY EMAIL. I DON'T KNOW WHO THEY HAVE BEEN COMMUNICATING WITH BUT IT HAS NOT BEEN WITH ME. THIS UTILITY IS FOR AN ADRESS THAT I HAVE NEVER RESIDED. I HAVE ATTACHED THE FTC REPORT
Product: Money transfer, virtual currency, or money service

My PayPal account has been banned for the past XXXX years for unanswered reasons, I have tried on numerous occasions to come in contact with PayPal but their number never works and you can never speak to a representative. I have sent them countless messages asking for help, but they always answer the same thing that after 180 days, we will give you instructions on how to transfer your funds. It has now been much more longer than 180 days, my funds have been frozen in the account for over two years and this issue seems like it will never be resolved. No matter how much I plead with them to at the very least help me in recovering the funds if they do not wish to reinstate the account or tell why I was suspended, they should at the minimum be helping to transfer the funds out of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have obtained my credit report and notice that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report, and I was not alerted to this information being authorized on my reports and I am demanding that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent, and they have negatively impacted my relationships with creditors and caused mental anxiety. I reached out to XXXX, Experian, & XXXX about these matters on numerous occasions requesting TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. The only response I have receive from these agencies is this debt has been validated or verified and will remain on your consumer report with no documents or proof provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. These are clear violation of my federally protected consumer rights according to the Fair Debt Collection Practices Act and Federal Credit Reporting Act below is a list of laws that have been violated. 15 usc 1681 c 2. 15 usc 1681 b ( a ) ( 2 ). 15 usc 1681 a ( k ) asa ( iii ). 15 usc 1681 ( a ) ( 4 ). 15 usc 1692 d ( 1 ). 15 usc 6802 ( b ) ( 1 ).
Product: Debt collection

Even though I paid off my school loan in full in with the original creditor, Collection Technology Inc. still trying to collect even after I 've notified them by mail on XXXX XXXX, 2015 that it was paid off. They have now unlawfully seized my joint tax return totaling {$750.00}. They also refused to validate my loan when I notified them of payment, in violation of FTC 809, Validation of Debts.
Product: Vehicle loan or lease

I lost the vehicle in XXXX now its hard for me to continue to pay for it because XXXX on a fix income now
Product: Debt collection

I am trying to figure out who this collection company is XXXX XXXX XXXX I have never signed anything from them and I just want them to verify that it's me that owes them {$560.00}, I've sent letters and have got them removed from XXXX but not XXXX and XXXX
Product: Checking or savings account

I was in the past and continuesly charged from different companies different amounts which cause me to overdraft several times I have called in and reported them as fraudulent on a couple of occasions I was just ignored XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I call experian experian on XXXX thru XXXX to removed a fraud alert, they asked questions that doesn't apply to me, I told them the questions dose not apply to me they said I didn't pass, they just keep giving a hard time to get a fraud alert remove for an auto, I need it to be removed asap, I sent in a request to have it removed, they are still giving me a hard time for my personal information, I need to be removed permanently, they don't have the right information for asking questions that pertain to me.
Product: Credit reporting or other personal consumer reports

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 84
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the alleged debt associated with the above-mentioned account. I request that you provide the following information to validate the debt and your authority to collect it, as required by the Fair Debt Collection Practices Act ( FDCPA ) and XXXX XXXX state laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  : Please provide evidence that XXXX XXXX  is licensed to collect debts in the state of XXXX XXXX  XXXX This should include a valid XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX of XXXX with XXXX XXXX : Please provide a copy of the contract or agreement between XXXX XXXX and the original creditor that grants them the legal rights or authority to collect on the alleged debt. This document should clearly show that you have the legal standing to pursue this debt collection FDCPA VIOLATION Communication with third parties : I am also concerned about your company 's communication practices, particularly with consumer reporting agencies such as XXXX, XXXX, and TransUnion. I have reason to believe that you may have communicated information about this alleged debt to these agencies without my prior consent or authorization, which would be a violation of the FDCPA. 

Failure to provide this information and continuing collection efforts without validation will compel me to take legal action to protect my rights under the FDCPA and XXXX XXXX consumer protection laws. 

Please respond to this dispute within XXXX days from the receipt of this letter. If you fail to provide the requested information within this timeframe, I will consider the debt invalid and will take appropriate actions to dispute and rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan since XXXX with One main financial and it was paid off on XX/XX/XXXX of XXXX and it is not showing on any of the three credit bureaus I have contacted the executive offices and they said they don't know why it's not reporting they can't figure out why their computers aren't reporting it and they would and DID manually report this $ XXXX to $ XXXX loan to all 3 credit bureaus. As of today, I spoke with all 3 bureaus and THIS IS NOT THE CASE. 
I have been working on getting another car as mine was stolen... Which assisted with the final payoff of this loan. 

The lack of reporting caused the car to be sold out from under me as well as I applied to get another loan thru them However, there is no way that a loan of this size and length would not affect my credit score if not reported... Thus, any offers actually from any lender I look like a liar The application has been open for 25 days and this correction has still not been made Now the application is expiring TODAY! 

This ERROR ON THEIR PART is totally messing with my credit overall and my ability to get treated fairly by ANY LENDER! 

Again. The LOAN IS PAID OFF. 

I PAID IT OFF ON XX/XX/XXXX... THERE IS NO REASON IT SHOULD NOT BE REPORTING... I HAVE BEEN PATIENT AND NOW I AM SUFFERING DUE TO THIS INCIDENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX DOB XX/XX/XXXXXX/XX/XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XX/XX/XXXXXX/XX/XXXXThese 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ; XXXXXXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a discharged/dismissed Bankruptcy on my credit report that I have tried to dispute with the bureaus to remove since it no longer legally exists ; this item can't be verified with the courts and is only verified via public record with XXXX XXXX. I want this item removed immediately. My first dispute I mailed on XX/XX/XXXX then another one on XX/XX/XXXX. Today is XX/XX/XXXX and no bureau has supplied me any proof or documentation that this is valid, and since it can only be verified via PUBLIC RECORD it is not a valid account!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding multiple inaccurate and unauthorized accounts and inquiries appearing on my Equifax credit report. Additionally, I am notifying Equifax of its violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and 15 U.S.C. 1611 ( 1 ) due to your failure to protect my private data, willful noncompliance with credit reporting laws, and failure to conduct a proper reinvestigation of disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan from XXXX XXXX XXXX and paid it off in full on XX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan inXX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
Product: Debt collection

I have an outstanding debt with Blue Horizon ( {$400.00} ). This was a loan I had taken out to help pay for medical and moving expenses when I became XXXX and XXXX  retired with XXXX XXXX XXXX. The debt collector called a family member ( my brother ) repeatedly and at XXXX XXXX in the morning to try and contact me. Blue Horizon ( or its partner XXXX XXXX XXXX ) never left a message on my own phone number ; they contacted my brother directly and used aggressive language. They violated the rules of calling only after XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identify theft since during XXXX  in 2020, I have been trying to get this issue resolved. I've submitted police reports, FTC report, license and various other information. 

Experian, XXXX and XXXX have not blocked the information off my report as required by law. 

I have attached all the documents again to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX has noted that FCRA does NOT require them to maintain records of disputed accounts. XXXX has " destroyed '' the records for a dispute that is not even 2 years aged ( was completed on XX/XX/22 ). 

XXXX indicated that " keeping that information would be at my detriment and unfair ''. I explained that my " public '' credit report is much different than their internal notes, which I requested. 

At this time, XXXX has indicated that I have never made a dispute on my credit file, which is inaccurate, as at least XXXX ( including this issue ), if not XXXX, have been logged with that agency. 

Since I can not see the details, I assume that I have the correct dispute report number of XXXX ( see attached email confirming that XXXX knew of and sent correspondence related to this dispute ).
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Consumer Loan

I had agreed to a specific payment schedule which was outlined in my retail contract ; upon lien transfer to Chase Bank ( which I had n't even known would happen, and did n't sign any forms for authorization ), my payment schedule moved up an entire month, meaning they expected about a thousand dollars for my first payment. After providing my copy of the signed contract outlining what had been agreed upon, they completely disregarded it. I have been close to defaulting ever since, with all payments being a hair from a month late. Consequently, my credit had been impacted.
Product: Debt collection

I am writing to dispute the account listed under Hunter Warfield for {$460.00} on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting. This debt is not my responsibility, and the continued reporting of this account violates my rights. 

I request that you investigate this matter and remove the inaccurate information from my credit report immediately. Please confirm receipt of this message and provide updates on your resolution process. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX XXXX XXXX XXXX requested my credit report and it was considered invalid reporting the last XXXX of my social and birthday being invalid for Equifax. 
Equifax was contacted, no valid solution was given.
Product: Debt or credit management

So I filed a dispute on a unauthorized charge on my credit builder side I have chime so I made the police report and chime put it bacjk in my credit builder but there saying its close now due to stuff made by identity theft Chime is telling me that I am not eligible for refund the transaction was XXXX something dollars with XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Will I was hit with a 30 day late payment that was Inaccurate and false I was never aware or no phone call or Letter sent out to me about this 30 day late payment. I talk to some on XX/XX/2021 Name XXXX from Customer for help to get this removed from credit report she was no Help at all I let here know i was Effective bye COVID -19 And did No I had a 30 day pass do payment. This has put me in a hardship on my credit report this False and Miss Leading or Fraudulent Reporting on my credit Report. The amount that was past do was XXXX and its all paid up. Also there Payment policies miss leading and miss guiding.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XX/XX/year> XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you