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

In XXXX I have been a victim of Identity theft due the Equifax Data Breech. 

XX/XX/XXXX - Dispute date with Equifax XX/XX/XXXX XXXX Dispute date with Equifax XX/XX/XXXX XXXX Dispute date with Equifax XX/XX/XXXX - Dispute date with Equifax XX/XX/XXXX - Dispute date with Equifax Are all dispute dates that I have been dealing with Equifax because of their error.

I humble myself to simply say these were the disputes due to the accounts open on my credit profile .... 

Because there are many accounts I will simply upload the documents I have submitted to them. They are not following the protocol nor law to legally protect me for I AM a victim of ID Theft. They don't seem to care about it.
Product: Mortgage

In the response to my prior complaint Mr. Cooper supplied misleading information to the cfpb in relations to denial XX/XX/0706 when they had in their records that they haven't TIMELY received documents. I have a document dated XX/XX/0606 that is almost a month prior to the denial which would have accompanied other records as well because I had to get ANOTHER copy because Mr. cooper told me verbally that they didn't have that information as well. Two Documents in relations to a modification to get me back on my feet to get me gainfully employed and out of my pitfall but at every attempt this company seems to do everything to prevent me from accomplishing assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for any account with this company and I have reach out to them to have the incorrect info removed but no response.
Product: Credit reporting

i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.
Product: Money transfer, virtual currency, or money service

Coinbase does not provide transaction/tax information for closed accounts. As such, I am not able to obtain information needed to file my XXXX  taxes. I have tried to contact them via various media ( their website, phone, email, social media ), to no avail. Their automatic responses lead to calling a phone number, which is effectively out of service, as XXXX receives a message akin to 'all lines are busy please call back another day '. I believe they may be throttling non-premium accounts so as to make it impossible to communicate, without paying.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX. 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 those account to be removed. 

They are not in compliance with the following law. XXXX USC XXXX 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! 

XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Product: Payday loan, title loan, personal loan, or advance loan

I am a victim of identity theft. The information listed appears of my credit report, does not relate to any to transaction ( s ) that I have made. It is the result of identity theft. In XX/XX/year>XXXX  I notice an account open on my credit report from Affirm inc in the about of {$2500.00} with a balance due of {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While at my bank on XX/XX/XXXX, I was alerted by my credit monitoring service that there was a derogatory entry put out to my XXXX file tied to a collection company. At first, I was not able to determine the source of the collection, as I didn't owe anyone anything. When I got home, I immediately got on XXXX XXXX   website to do a dispute. I entered all the correct information about myself, then answered all the security questions correctly, to prove who I was. Once in my credit file, I could see that a company, Central States Recovery in XXXX, KS, was reporting a collection against me for {$26.00}. This was a fraudulent collection entry as I did not owe this money, so I went ahead and filed the dispute, only to learn a short time later, that this collection activity was due to the incompetency of their client, XXXX XXXX of XXXX, KS, for not having the correct address in my file. The bill in question was paid, in person, way back on XX/XX/XXXX, because I had not received anything in the mail from them. I was assured then, that she would pass on the updates, and that it was long before ever going to collection. I was " all set '' according to her. Come to find out on XX/XX/XXXX, that never happened, because CSR had no records of such change. Again, the person at XXXX XXXX was supposed to have updated all parties with the correct information, but has no proof to provide she ever did. On Sat, XX/XX/XXXX, I got an email from XXXX  indicating that my dispute has been finished, and to log in with the supplied reference number to view the results. I did as before, entered all of my correct information, as well as the supplied reference number, but this time I got a message that the information I had entered did not match what was in your system. So now, I've gone from bad to worse. I'm trying to buy property as well as a vehicle, but now I'm frozen, and am at risk of losing the property I want, as well as a promotional interest rate for the vehicle. All because CSR will NOT correct their error. First CSR told me on XX/XX/XXXX, they were going to expedite that correction with you, because it was their error, to then saying on XX/XX/XXXX, that you issued them a " cease and desist '' order, dumping everything on me. This whole mess is due to the incompetency of an office clerk at XXXX XXXX, and this collection company, who but the way, has dozens of legal complaints against it for this very type of activity. When I try calling XXXX, all I end up is being put through a series of phone options. NO HUMAN TO SPEAK WITH! According to the FTC, KS Attorney General, XXXX, bank, and others, CSR is in violation of several FCRA, FDCPA Laws, to which they know, but don't care.
Product: Credit card

In late 2023 I fell victim to credit fraud. My information was stolen and used to make a navy federal credit account I never had access to! I never received a credit card to my address. I sent in a complaint that they denied and Im stuck paying for a XXXX XXXX debt I never had access to!
Product: Credit reporting or other personal consumer reports

Request for VALIDATION, NOT Verification Your Name : XXXX XXXX Address : XXXX Company : XXXXXXXX XXXX XXXX Address : City/ State/ Zip : XXXX oh XXXX RE : Trade Account # XXXX XXXX CO XXXX XXXX & Any collection on my report. 

To Whom It May Concern : XXXXXXXX XXXX XXXX has faced numerous interruptions in its accounts due to fraudulent activities, as reported by the Federal Trade Commission ( FTC ). For more detailed information, please refer to the FTC report. 

Remove the Attached negative reporting trade accounts. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

At this time, I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus { XXXX, XXXX, or XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 


I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file a suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.

- 15 U.S. Code 1692g : Validation of Debts - 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance - LII U.S. Code Title 15 XXXX XXXX XXXX XXXX 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting REMOVE ACCOUNTS XXXX, XXXX, XXXX
Product: Credit card or prepaid card

I opened a Chase Freedom account in XX/XX/XXXX with an introductory offer of 0 % APR for 15 months. I have made regular payments of at least the minimum payment due for the life of the account. I anticipated the intro APR would expire in XX/XX/XXXX and I was prepared to make a full payment for the balance of my account. However, the XX/XX/XXXX statement did not indicate that the APR would revert immediately as of the statement date and would begin being applied daily to my outstanding balance. The 0 % rate was noted to expire as of the date of the statement, but misleadingly juxtaposed with the 17.24 % rate listed with a {$0.00} balance subject to the respective interest rate. At the time, I was surprised that both the intro and the new interest rate both appeared on my statement, and so believed that the billing cycle for XX/XX/XXXX to XX/XX/XXXX would be a grace periodas if the balance held during this time were the equivalent of purchases made prior to the XXXX statement and would only require payment by the due date listed on the XX/XX/XXXX statement to avoid interest. Much to my dismay, I received the XX/XX/XXXX statement to find that interest had been accruing as of the date of my last statement. I made an immediate payment on the same date for the entire balance.
Product: Mortgage

The mortgage originator that worked for Wells Fargo was a XXXX and had personal financial issues. He knew my person issues - separating from a 30+ year relationship and all my financial history. He played me for which I am truly embarrassed. However, he would never have been able to do that unless he knew all of my personal information. He coerced me into a personal loan for {$30000.00}. Wells Fargo has no interest in filing a complaint against his XXXX # for me nor do they have an interest in offering up a solution. This transaction was done while working on XXXX mortgages for me and while working for Wells Fargo. Some of the personal loan information was done on WF email. He should never have been in that position with his financial history, bad credit, tax liens, etc. or because of his XXXX situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. According to FCRA, SECTION 605b, it is the resposibility of the credit bureaus to delete some erroneous records on my credit file. The following items are inaccurate and needs to be remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm greatly distressed by the negative rating on my account and its severe impact on my creditworthiness. This derogatory mark has already led to a loan denial and higher interest rates on my existing credit accounts. The financial and emotional toll this is taking on me is substantial and will persist until this matter is resolved.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX - XXXX, XXXX XXXX - XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

CKS Prime Investors, LLC said was my debt was paid off they would remove the derogatory mark off my credit report. I paid off the debt I. XXXX of 2024, it is now XX/XX/2024 and they still have not done what was promised on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not file for chapter XXXX bankruptcy. It has already been deleted from XXXX. Please delete from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to
be removed ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Texas There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX The only job I need listed is : C.E.O of XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process.

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report.

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Checking or savings account

XX/XX/2021 charged overdraft fee when account was not negative XX/XX/2021 charged anothe over draft fee when account was not in the negative This has happened multiple times with this bank and they will not even investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XXXX th I received an email from XXXX XXXX that there was a hard inquiry on my report. It was XXXX. Since I did not contact the company to order their service I put off disputing the inquiry with Equifax till the weekend. The next night I receive a large box addressed to my maiden name I havent used in 18 years. It contained XXXX equipment. I immediately contacted XXXX and for the next two days was bounced between customer service reps, their supervisors and fraud. No one helped me at all or directed me how to fix the problem. By that Saturday morning I realized not only did I have equipment I didnt want but I also had a account with {$120.00} of charges this person signed me up for for two years. With absolutely no assistance from XXXX I notified XXXX so at least there could be a paper trail of  this. I filed a report last night online with identity theft.org ref # XXXX. I also put a freeze on Equifax running my credit. I will have to dispute the hard inquiry on Equifax as well. I am working 2 jobs so finding time to do all of this is hard yet important.
Product: Credit reporting or other personal consumer reports

I firmly maintain that it is unfair for me to bear responsibility for these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

The law of privacy 15 USC 1681 602 and # 4 theres a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy.

15 USC 1681 section 604 a # 2 Subject to subsection any consumer reporting agency May furnace a consumer report under the following circumstances 2 in accordance with the written instructions of the consumer to whom it relates.

15 us code 1681s -2 Reporting information with actual knowledge of error A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the fair crediting reporting act the list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 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

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.