23daVinci/CFPB_Complaints huggingface dataset:
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/block any items 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 Balance : {$0.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid in full for 'A pay to Delete ' collection XX/XX/23. As of yet they have fail to delete and instead have update my account as balance due 3 different times with 3 different balances. I have called them every month since XXXX to resolve the account. Ive also file a dispute XXXX 2023 with TransUnion and XXXX and both reported back as Dispute resolved by grantor! The information continues to be incorrect and with a new balance instead of a XXXX balance/deleted account as agreed. I turn to you CFPB now because at this point the only other help I can seek is with an attorney. This is an easy fix.
Product: Credit reporting

My addresses past and present are incorrect. And please remove the Fraud Alert from my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 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
Product: Debt collection

XXXX yes they.s 6 or 7 times in the morning in afternoon may be 12 times " portfolio recovery associates " llc
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}
Product: Credit card or prepaid card

I started dispute ( s ) on multiple transactions on my DISCOVER CARD starting back in XX/XX/2021. DISCOVER said they would look into the disputes and in the mean time credited me back the funds. 3 months later late XXXX DISCOVER CARD reverses all the credits they gave me and said I owed them with no proof or explanation sent to me. The entire time while these transactions were in dispute they reported inaccurate and invalid information to my consumer credit report reporting I owed a balance. I told DISCOVER employees that this was a violation of Title 15 U.S Code Chapter 41 1666 ( B ) and ( d ) Correction of Billing error by taking more than two billing cycles to finish the disputed transactions investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transactions thus such negligence ruined my consumer credit report and once I brought up these violations they meaning DISCOVER stated I must provide verification or my DISCOVER account will be closed. Verification as in my Social Security Number. I make this complaint today on XX/XX/2021 due to the fact they are still committing this fraud, illegal activity willfully and knowingly. XXXX from the executive department has received my complaint, emailed me but somehow after all this time I owe them a new balance when my account has been frozen for almost two months. I was owed {$240.00} proof in the attachments, now they balance transferred who knows what and now I allegedly owe them money. This is Non sense. If this persist I will be seeking legal council for legal suit for Civil liability pursuant to 15 U.S Code 1640 and Criminal liability for willful and knowing violations. As demanded in my last CFPB report I want my {$240.00} owed to me back, I demand my security deposit you illegally took back which is {$300.00}, and I demand {$6000.00} in compensation for violating my consumer rights, wasting my time, stressing me out, and not taking the matter serious and all the illegal activity you have committed like freezing my account, sending me letters demanding my Social Security Account Number and stating if I do not you will close MY account.
Product: Checking or savings account

On XX/XX/XXXX I had a total of {$1000.00} that was debit from my Bank of American account from a company called XXXX XXXX Book. I called the number on my bank account they have listed XXXX. I was getting no where speaking to someone there so I did my research and wrote to them in a email and they reply to go through my bank to dispute the charges and they would work with my bank to retrieve my funds back to me. I filed a dispute with Bank Of American on XXXX XXXX they closed it out with out even taken the email from me I called back they reopen it I got a fax number to fax over what the company told me to do on XXXX XXXX. On XX/XX/2021 I reached out to the company and asked for a update I was informed they never heard from my bank and once again told me to tell my bank I want to dispute these charges and they would work with my bank to retrieve my funds. Today XX/XX/2021 I check my claim and they closed it out again after I have faxed them 2 letters showing the company was willing to work with my bank to retrieve my funds. I called Bank of American and asked why they are not putting in for a charge back I am told it was closed and I can write a letter for them to look at it again. XXXX goes through a company called XXXX XXXX I have been emailing XXXX XXXX XXXX XXXX and XXXX XXXX and he keeps telling me to go through my bank and they will work with my bank to retrieve my funds I have 2 emails from him stating this. Neither company seems like they want to put back my funds. I never used there service nor did I allow anyone to use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

EXPERIAN : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to Experian and XXXX  asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), XXXX # XXXX ( XXXX ), shows as late payment for XX/XX/2023. This is incorrect. I called XXXX XXXX XXXX, and they informed me that they did not report a late payment nor was I ever charged a late payment fee. The credit agencies have not rectified this information and they have not provided me with the investigation results.
Product: Debt collection

IDS has been contacting my aunt about my debt. they have contacted her via phone and text message repeatedly, most recently on XX/XX/2021 by phone and XX/XX/2021 by text. I spoke with the debt collector on XX/XX/2021 and asked them to remove my aunts number from their list as she has no right to my private matters. They have never had an issue contacting me and have my contact information.
Product: Payday loan, title loan, personal loan, or advance loan

Is a report of a fraudulent site they called me and told me I was approved for a personal loan when they sent me the website to go on to the personal loan I noticed it was prosper finance.site immediately got suspicious on upon going to the site I seen that they wanted your routing and your account info and then also your user ID and password this is a common scam and what they do is once you put that info in they have access to your account and they'll start moving money and doing whatever they want with it and it's definitely XXXX on the on the phone they are XXXX and they are scam artists and this has happened to me several times and the website is this prosperfinancial.site Don't even know why these can even exist this should be something that's found right away and shut down but yet they continue and fraud people everyday
Product: Bank account or service

My IRS Tax refund in the amount of # XXXX Was deposited into a US Bank Checking Account # XXXX that does not belong to me. I learned of this through the trace that the Department of Treasury placed. I personally contacted US Bank XXXX XXXX and was informed by XXXX XXXX, Manager that the account number does not match my name or social security number. He added that the deposit is considered a third party check and can only be accepted by the approval of a supervisor since it is a liability. I have been trying to resolve this issue with US Bank and have been unsuccessful.
Product: Vehicle loan or lease

There was a lawsuit against Santander Consumer for malpractice when it comes to giving out car loans, all consumers who met certain requirements were to have their balances forgiven, or to have their negative reporting in credit reports to be deleted. I was clearly within the requirements for this restitution ( with proof ) and never heard from them. I can also prove that I should not have even received this loan in the first place, as I did not meet requirements for the loan. 

I would like my charge off of the car loan taken off my credit report. 

There are many inconsistencies within my report and this loan. I have never received a copy of my loan application and disputed with the 3 credit bureaus.
Product: Debt collection

The company XXXX XXXX is reporting on my credit report with a debt owed. 

I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. 

My next step is to start ligitation against XXXX, transunion and XXXX.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and noticed a charge off from XXXX XXXX the open and close dates are different across all accounts the dates will be provided in attachment. The information has not been verified and it has not been permitted by me nor does it have a signature to be placed on their platform below I will send you a printout of the account on my report showing all the wrong information and is completely inaccurate
Product: Debt collection

On XX/XX/year> at or about XXXX XXXX  I returned a phone call to XXXX XXXX XXXX. A lady answered and I was speaking with her. She told me it was a debt for court cost in excess of {$9000.00}. I told her that there was no way I could do anything at the moment. I told her I could start something in a couple months. She informed me that they could only hold it for a certain amount of time. I told her that I couldn't even think about it until at least XXXX. She said again that hey could only hold it for a few months could I make good faith payments. I told her I couldn't. She said expect the phone calls to continue and that I should start dealing with my priorities. I told her that she doesn't know what my priorities are and that she was out of line. She said something again about my priorities. Again I said that she wad out of line and she insists that she wasn't.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Debt collection

I have contacted Midland Funding LLC in regards to an account listed on my credit report that I do not recognize. They are reporting to the  XXXX  major credit bureaus on behalf of  XXXX  Bank. I have asked Midland to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with  XXXX  Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent o nly 1 letter s aying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

I see unauthorized inquiries on my report and also accounts that been open in my name that i never had or applied or authorized anyone to had, these are fraudulent : Hard Inquires 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 Collects Accounts unauthorized XXXX XXXX XXXX XXXX. 
Opened XXXX {$470.00} XXXX XXXX Opened XXXX {$160.00} XXXX XXXX XXXX Opened XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX refuses to remove this account they claim I was paying with a XXXX XXXX checking account which I never opened up and have proof also credit first has confirmed this account as fraud already yet they still report it on my Equifax report and XXXX XXXX loan is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX
Product: Credit card or prepaid card

I ordered a tricycle via internet on XXXX XX/XX/2021 ( Order # XXXX ) for {$99.00} and I used the Discover card to pay for it, before entering my shipping address ; right when I clicked it appeared the XXXX logo along with a name " XXXX ''. The very next day, I found on the internet, an email " XXXX and sent the mail as I wanted to have more information about the purchasing. 
I never received any answer. I waited for the tricycle to arrive and it never did. 
Then, via Internet, on XX/XX/2021 I found an email XXXX and I sent an email to this person to CANCEL the above order as to that day I never received the item. In the meantime I informed the Discover because the charge was already there. Discover reversed the charge, Then, on XX/XX/2021 Discover charged my account again and since then, it has been a nightmare as I have called Discover constantly but went nowhere. Yesterday ( XX/XX/2021 ), I called the Fraud Dept at Discover and I was told that they had received a document from the merchant XXXX XXXX '' stating the the merchandise was delivered with no signature. I told them that I want to see the document as I NEVER RECEIVED ANY ITEM. Last night, Discover sent me a document showing it was delivered on XX/XX/2021 @ XXXX XXXX  to a USPS Mailbox with Tracking # XXXX. This morning, after I called Discover again and told them I do not live in a mail box. The woman to whom I spoke told me to prove it because they believed on the merchant document. Please, help because this is the second time Discover get my money, the last time, was about {$3400.00} or so for a bathroom work that was never done which I will file a complaint later. I wish I could deal with the seller but I have no idea and XXXX people always directs me to their website which does not solve the problem. Please, help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I asked Transunion to verify this account multiple times since I dont own this account and asked for my bearing signature on the agreement with XXXX XXXX or anything that I have agreed upon. I wasnt provided with any details this is impacting me a lot and violating my rights. 
XXXX has already verified this account isnt mine and provided me with every detail in a professional way. I would want this account to be immediately deleted from my credit report. 
XXXXXXXX XXXX XXXXXXXX Submitted on XX/XX/2023 File number XXXX Completed on XX/XX/2023. 

Second. 
Dispute. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DISPUTE REASON : Ownership I have no knowledge of this collection account. 
I asked for documents and proof of this account as well but none was provided. Please delete this immediately.
Product: Checking or savings account

I get paid on Wednesdays, but on XX/XX/XXXX, my check was missing. I was told by customer service I should see it by the following morning, Thursday, XX/XX/XXXX. I then received an email Thursday evening stating I should see my check on Friday, XX/XX/XXXX. I still do not have my money. 

There has been a severe lack of communication on this issue. Prior to the only email I received on Thursday, most of what I knew came from the news.