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

Identity theft Dispute Affidavit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ I lost my wallet in XXXX and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used. 



Address : ( listed below ) XXXX XXXX XXXX XXXX, GA XXXX Accounts ( listed below ) DEPT OF ED Account : XXXX Date : XX/XX/XXXX Balance : {$4600.00} Address : XXXX, XXXX XXXX DEPT OF ED Account : XXXX Date : XX/XX/XXXX Balance : XXXX Address : XXXX, XXXX XXXX DEPT OF ED Account : XXXX Date : XX/XX/XXXX Balance : XXXX Address : XXXX, XXXX XXXX DEPT OF ED Account : XXXX Date : XX/XX/XXXXXXXX  Balance : {$6300.00} Address : XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX Date : XX/XX/XXXX Balance : {$0.00} Address : XXXX, XXXX XXXX DEPTEDXXXX  Account : XXXX XXXX : XX/XX/XXXX Balance : {$4600.00} Address : XXXX, XXXX XXXX DEPTEDXXXX Account : XXXX XXXX : XX/XX/XXXX Balance : {$1700.00} Address : XXXX, XXXX XXXX DEPTEDXXXX Account : XXXX XXXX : XX/XX/XXXX Balance : {$6300.00} Address : XXXX, XXXX XXXX DEPTEDXXXX Account : XXXX XXXX : XX/XX/XXXX Balance : {$1700.00} Address : XXXX, XXXX XXXX DEPTEDXXXX Account : XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Address : XXXX, XXXX XXXX Inquiries listed below Date XXXX XX/XX/XXXXXXXX  Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Phone number : XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Copy of FTC report Copy of police report A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, [ XXXX XXXX XXXX XXXX ] Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other Fair Credit Reporting Act Section 605B [ PDF ] Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are still reporting too collection accounts XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX could not verify and has already deleted from my credit report
Product: Credit reporting or other personal consumer reports

I called into credit union and requested my credit report and I noticed that had some hard inquires on my report. I called in a wanted them removed because and they are incorrect and they don't have permissible purpose. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

While checking my most recent Experian credit report, I noticed a credit inquiry that i did not authorize, made by the following company  XXXX  Date Filed   XXXX   Type All Banks - non specific Phone Number BYMAILONLY Address  XXXX   XXXX   XXXX   XXXX   XXXX  I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  Section 1681b (     c ) and a serious breach of my privacy rights.   Please validate this information with this company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I believe I am a member of fraudulent activity on behalf of Experian Credit Reporting Agency. On XX/XX/2024, I reached out to Experian regarding inaccurate credit reporting on my credit report. I have spoken to a member of customer service at least once per week since XX/XX/2024, and continue to not receive resolve regarding my two accounts in question. 

Today I was informed that it will take XXXX calendar days for them to research my dispute even though they have all the supporting documents. They stated that XXXXXXXX XXXX would need to verify the settlement and XXXXXXXX XXXX would need to verify the settlement. It should be noted that both companies charged off the accounts and sold them to XXXX party collection agencies. The letters attached are from the XXXX XXXX collection agencies verifying payment made in as agreed upon in the settlement agreement. 

In speaking with the one customer service agent " XXXX '' when asked to be transferred to a supervisor he refused and stated if I would not allow him to manage the concerns, he would disconnect the phone call. After going back and forth with " XXXX '' and him not being able to assist me with my concerns, he disconnected the phone call. I called again and spoke with " XXXX '' who opened XXXX disputes. Still not assisting with my concerns. When asked if I could be transferred to a supervisor, he responded yes, however returned after having me on hold for XXXX minutes stating there were no supervisors available to address my concerns.
Product: Credit reporting or other personal consumer reports

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

They told me they no longer had access to my account. Its appearing as a wrong date on my credit report. It should be off my report already?!! Its affecting my chances of my credit going up!!!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX  XXXX regarding their failure to provide IRS Form XXXX documentation for XXXX accounts they claim have been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the accounts in question are as follows : Account Number : XXXX with a reported balance of {$760.00}. 
Account Number : XXXX with a reported balance of {$520.00}. 
Account Number : XXXX ( duplicate or subsequent account ) with a reported balance of {$770.00}. 

I have previously contacted XXXX XXXX requesting a copy of the XXXX form for each of these accounts to verify their reporting of these debts as canceled or discharged. Despite my request, XXXX XXXX has failed to provide the requested documentation or any evidence supporting their continued reporting of these accounts. 

Without proper documentation, the reporting of these accounts may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate these accounts creates confusion and potentially damages my credit profile unfairly. 

Actions Requested : XXXX. Investigate XXXXXXXX XXXX failure to provide the requested XXXX forms for the accounts listed above. 
XXXX. Verify whether XXXX XXXX properly discharged the debts and issued the required documentation to the IRS. 
XXXX. If XXXX XXXX can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to these accounts from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.
Product: Debt collection

I have written Merchants Credit Guide on   XXXX   after noticing them reporting on my credit report without my authorization or permission not did I ever receive any letters from  XXXX  erchants Credit Guide n otifying me of this alleged debt they claim I owe. I know they received the letter as I sent it Certified Mail with Return Receipt and they received it on  XX/XX/XXXX , copy of letter and return receipt is attached. I demand they provide " Verification '' documents, which should include a signature, and verify this per the FDCPA and FCRA.
Product: Student loan

I am submitting this complaint to the Consumer Financial Protection Bureau regarding my challenges with managing over {$100000.00} in student loan debt. Since XXXX  recently, I have been unable to secure stable employment and am experiencing significant financial hardship. Despite reaching out to my loan servicer to request assistance through forbearance or income-driven repayment options, I have encountered obstacles that are causing me distress. The lack of clear guidance and responsive customer service has made it difficult to navigate my options effectively, leaving me at risk of financial instability. 

My primary concerns include the servicers failure to provide timely and accurate information about available relief programs, including forbearance and income-driven repayment plans. Additionally, I have been subjected to confusing communication regarding interest accrual during forbearance periods and unclear timelines for application processing. These issues have compounded my financial strain and delayed my ability to stabilize my situation. I believe these practices undermine borrowers rights and create undue hardship, especially for recent graduates like myself who are in a vulnerable financial position.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX
Product: Debt collection

Have received nothing about a debt collection and it appears on my credit report. No 30 days to dispute. Nothing in the mail.
Product: Credit reporting or other personal consumer reports

This fraud account is being reported by a third-party agency and reports a different address on three different credit bureau. If you look at my XXXX also this company is sketchy. Its not licensed and bond when Im checking the address that is showing on my XXXX. Please delete this fraudulent account.
Product: Credit reporting or other personal consumer reports

Dear Equifax Representative, Their is a fraudulent account reporting to my credit report as a result of identity theft Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I submit this written dispute to request Blocking of inaccuracies on my Equifax credit report resulting from identity theft.
Product: Credit reporting or other personal consumer reports

I have found fraudulent account on my report XXXX XXXXXXXX XXXX with the account number XXXX opened on XX/XX/year>. Delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX account #, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX account # XXXX, XXXX XXXX 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

I was surprised to find inaccurate accounts on my credit report today, and I dont understand why they are there. As part of my routine, I checked my report and saw discrepancies that hadnt existed before. Hoping it was just a temporary glitch, I refreshed my browser, but the errors did not go away. Given this situation, I request a careful review of the documents Ive sent to ensure this problem is permanently resolved.
Product: Debt collection

Hello, I am not sure if this is a system glitch but I have made several attempts to reach Alpha Recovery Corp . They recently placed an account on my credit that was already paid. I have been denied financing because of the error. I can not reach them
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 or other personal consumer reports

Subject : Request for Removal of Credit Inquiries Dear Credit Reporting Agency, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a service member, I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Collection : XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/2018 I spoke to a representative at GM financial and was told on their recorded line that I would be able to give the vehicle back and get it back after a month or two and continue the payments since I was going through a difficult time financially. When I called back asking about the letter I received after the car was returned stating the vehicle would be auctioned off I was informed that I was lied to by the previous representative and that unless I had the past due balance plus the repossession fee or the total loan amount I wouldn't be able to get my car back. Now I am stuck with a repossession on my credit. I submitted a complaint to the company about the situation but was never contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, Equifax has violated my rights.

Equifax is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give Equifax any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud, my social and id have been stolen and fraudulent accounts have been opened and cards used in my name. I have an FBI agent working on this case, along with XXXX PD. I have filed an FTC report because of all this. I will file a complaint with the Consumer finance protection bureau if these fraudulent accounts are not removed immediately and blocked. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

This is to follow up in despite numerous attempts and providing extensive documentation to have these inaccuracies be removed, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of M & M CREDIT Account ( Account # : XXXX ) Dear Sir/Madam, I am writing to dispute the M & M CREDIT account ( Account # : XXXX ) reported on my credit report by XXXX, XXXX, and XXXX XXXX This account is in violation of my credit reporting rights, and I request that it be deleted in its entirety. 

The reasons for this dispute are : XXXX. *Lack of XXXX : The creditor has not provided verification of the debt, as required by the Fair Credit Reporting Act ( FCRA ). I request that the creditor provide documentation to support the validity of this debt. 

XXXX. XXXXIncorrect Account InformationXXXX : The account information is inaccurate, including the date opened, balance, and payment status. I request that the creditor correct this information to reflect the actual account history. 

XXXX. XXXXUnfair Collection PracticesXXXX : The creditor has engaged in unfair collection practices, including reporting a collection account without proper verification. This is a violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. *Failure to Update Account StatusXXXX : The creditor has failed to update the account status to reflect the actual payment history. I request that the creditor update the account status to reflect the correct payment history. 

Pursuant to the FCRA, I request that this account be deleted in its entirety due to the creditor 's failure to comply with federal credit reporting laws. I also request that you provide a corrected copy of my credit report to me within 30 days. 

I would like to bring to your attention the following consumer credit laws that support my request : ** Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

** Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

I request that you take immediate action to delete this account and correct my credit report. Please provide a written confirmation of the deletion within 30 days. 

Sincerely, XXXX XXXX