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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXXXXXX XXXX Balance Owed : {$86.00} ; XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

COMENITY BANK/ EXPRESS Violated section 605B. Block of information resulting from identity theft. 
I sent off a complete fraud packet to XXXX credit reporting agency as well as XXXX XXXX and XXXX. The fraud packet was complete and met the requirements of section 605B of the fair debt collection practices act. The above referenced bank received a full investigation packet including the Federal Trade Commission affidavit and the identity theft affidavit completed and notarized from XXXX. 

Comenity Bank Failed to conduct a proper investigation of the fraudulent accusations submitted as a dispute to XXXX. Upon notifying Comenity bank about the fraudulent activity and the investigation that was conducted by XXXX, the bank stated to me that they did not receive The packet from XXXX and that they also wouldnt except the federal universal identity theft affidavit if it was presented. 

Since the company did not have or possess the complete packet which included all of the information pertaining to the fraud that was committed. This company couldve never conducted a proper investigation to conclude that this account is in fact mine. 

COMENITY BANK/ EXPRESS Violated section 623. Responsibilities of furnishers of information to consumer reporting agencies.

( 1 ) Prohibition This section clearly states, reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 

Comenity Bank was notified by the consumer and was also notified by XXXX credit reporting agency of the fraud and was provided documentation that they were reluctant to review because it wasnt on there personal paperwork. Due to lack of a proper investigation this company felt the right to still validate the debt and caused the consumer more irreparable harm as well as punitive damages in addition to the other fraud damages. 

The company was given knowledge of these errors and the potential fraud that caused it and yet they still felt the need to report this information to the credit report without a proper investigation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 XXXX AND XXXX 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. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from sectio

n 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 repo
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Product: Debt collection

I had rented items from this store/ loan company. I returned the merchandise and they still put it on my credit saying I owe over XXXX $ I was told even though I returned merchandise I still had to pay for it. I believe that is against the law. How would pay for something that I don't have. I would like this removed from they system and my credit. I logged in there account and still showing I owe over XXXX $
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 or other personal consumer reports

Victim of Equifax Data Breech - Engagement Number XXXX Equifax states that their records of my personal information was impacted by this incident. A review of my Equifax credit report shows that my personal information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) XXXX. XXXX ( XXXX XXXXXXXX ) XXXX. XXXX XXXX  ( XXXX XXXX ) XXXX 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 XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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, GA XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I called Transunion @ XXXX XXXX XXXX regarding them removing all of my inquiries last year between XXXX - XXXX. I advised the representative XXXX XXXX XXXX that Transunion removed all of my inquiries from my credit report and put them back without giving me a 5 day notification in the mail. The overseas representative asked me which inquiries did I want to dispute. I then advised the representative that they deleted all of my inquiries and not just some during the time they had the system issue. I gave the representative all of the inquiries in question. The representative put me on hold to check their system. The representative came back on the line and told me that I was not one of the consumers affected by their inquiry glitch and went on to tell me about how hard inquiries appear on my credit report. 

I decided to lodge a complaint, because I refuse to call them and go through that torture again!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went into XXXX XXXX XXXX in XXXX XXXX Illinois. I understood that they would need to pull credit report to finance the car. Om XX/XX/XXXX I pulled a free credit report from Transunion that showed 6 hard hits, 3 being the date on which I purchased my car. On XX/XX/XXXX, I called Transunion regarding the 3 inquiries  dated XX/XX/XXXX, from XXXX, XXXX, XXXX XXXX, I stated why is it showing 3 hard hits, it should be one because it was a car loan. They stated there is nothing they could do that I would have to call the individual inquirers to straighten it out. I call XXXX, who informed me it was the Car dealership to remove the inquires that they knew how to do it. I call them and spoke to someone in finance who informed me that of course my score would be lower I have a new loan. I informed him, I already went through the " dip '' of a new loan and this had to do with the inquires. He told me that XXXX would call me. I was unable to speak with XXXX on Friday XX/XX/XXXX when he called. I went to pull the report from XXXX XXXX to pull the report which sent me to you through an article that they had on file. I spoke with XXXX from your office on Monday. I am attaching the copy of the XXXX XXXX report. Any assistance will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account Name : XXXX & XXXX Account NUmber : XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX XXXX  Account NUmber XXXX XXXX Account Name : XXXX Account NUmber : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX EFS Account NUmber : XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX received my certified dispute letters, tracking number XXXX on XX/XX/XXXX about XXXX XXXX and XXXX XXXX XXXX. It is now XXXX XXXX 7 months later and they have failed to properly respond. XXXX finance shows no signs of a dispute and XXXX XXXX XXXX is still showing the same dispute since XXXX! This is very concerning as I was very clear in my writing to EQUIFAX. They are either choosing to ignore my letters or they have programmed their system to ignore people who fit some bogus unwanted demographic. 

How hard is it to Remove and block those 2 accounts that they have not only not investigated but have sent XXXX evidence to me?!??? This is XXXX not XXXX. EQUIFAX clearly does not care
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX, XXXX. XXXX, XXXX. Data, XXXX XXXX, XXXX Bank XXXX, XXXX ) XXXX - XX/XX/year> - XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I opened a credit account with Mattress Firm/ Synchrony Bank . I was making payments until I realized that my principal of {$450.00} had remained unchanged. While I was under the impression that the advertised 18-month, interest-free payment term, and {$30.00} a month payment was adequate to pay off the loan, I haven't made a dent in my total amount owed. Then, the minimum payment went up from {$30.00} to {$100.00} without me knowing. The terms of the loan are very unclear and predatory.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. these items are not transactions conducted by me as a consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Experian I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

On XX/XX/XXXX ( Receipt included ) a Dispute Form including all accounts resulted from Identity Theft, Identity Theft and Police Report were mailed. Accounts in dispute were listed on original Dispute and Evidence Request per section 609. This envelope was certified mail and required signature. Records show it was received by your office. 

As proof of my identity, drivers license, gas bill, and Social Security. 

You were unable to verify the accounts with the original contract, the information should be removed from my credit report within 10 days of receipt of this Complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There is a big difference in the wording of a late payment and missing payment. All I asked the company to do is give me credit for paying the late payment instead of inaccurate information about I missed a payment
Product: Credit reporting or other personal consumer reports

This whole process is causing issues to my life. 
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.
Product: Debt collection

I do not owe anything to XXXX and I paid all dues in time. Yet I have received this collection notice and they also reported it to the credit agency. 

This effected my credit history and its totally unethical.
Product: Credit card

I was on vacation in XXXX and filling up a rental car at a gas station, the attendant took my card and charged for the gas and also made a fraudulent charge on my card. 
I have disputed discharge with Citibank and they refused to reverse the fraudulent charge and will give me no information as to their decision. 
I have attached a picture of the email I sent to Citibank, which further explains the situation and request for information.
Product: Debt collection

On XX/XX/2019 I called Louisiana Recovery Services @ ( XXXX ) XXXX. So that I could settle what collections that I had with them. XXXX Card Purchase XX/XX/2019 Louisiana Recovery Service XXXX and cleared my account on XX/XX/2019. The company representative I spoke too said that for an additional XXXX dollar fee, they would send me a receipt and remove the debt like it had never been on my history. They sent me an email with the form attached. ( I'm attaching the form to this dispute ). I did not pay the extra XXXX dollar fee. It felt, to me like something that could fall under UDAAP, as an abusive act. The elderly and people who have sub par credit would more feel obliged to pay that amount over the debt I checked my credit-wise account once a week until XX/XX/2019 and when it still was showing owed, I called the company back.The company representative that I spoke too was adamant that it was not on my credit report. And said that the only way I could get a receipt was to pay the additional XXXX dollars using the emailed form. I told him that it may be a possible UDAAP violation, " Oh no, we offer it to everyone. '' I paid two other outstanding debts with two other companies that same day. One emailed me a receipt and the other sent me a receipt through the XXXX XXXX, with no additional charges. And those paid debts have been noted on my credit. 
This morning, XX/XX/2019 I pulled my free annual credit report and they are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX on a settlement agreement with Elan Financial only to have the account removed when I spoken to their representative. Now just recently they're saying they would only report the charge-off account as settled & still delinquent. Elan Financial still failed to verify any wet signature or Contracts when the account was opened which violates section 609 & section 611 under the Fair Credit Report Act. I only receieved billing statements which did not include that information. I plan to seek litigation for this careless action if nothing is resolved immediately.
Product: Checking or savings account

I have been locked out of my own account, both my checking and savings accounts. I updated my address recently because I moved and I tried to ask for a replacement debit card because my debit card got damaged because of the dog of the new place we moved into.

I have called them multiple times and they have not been helpful. They kept saying I would get a call back but I have never received it. Today, I got an email saying they restricted my Checking and Savings account " because we detected suspicious activity on XX/XX/year> ''. 

I also tried using XXXX but it wasn't working anymore. When XXXX failed this was when the Online Banking got disabled. This has been a week or a few weeks ago. 

I have 2 important checks to XXXX to be cashed and this might be what triggered it. I tried to explain and tell them this but they aren't helping me. Just now I have called their fraud prevention line and they outright disconnected me from the call because they said they couldn't verify my identity. I have been trying to get this resolved for weeks.
Product: Debt collection

My XXXX XXXX XXXX  children are in the middle of unethical business practices. I have attached my email of complaint about my concerns with the handling of my daughter and myself when I got involved yesterday, XX/XX/22. 

I have advised my daughter and son not to pay anything until this issue is resolved. The bill transferred to collections totaled XXXX yet my daughter was promised a payoff amount of XXXX. 

The manager, XXXX, rescinded the offer because I questioned the legality of advising my daughter to go to a specific loan company, XXXX, which charges an origination fee after she had told them that she could only afford minimum payments and that the debt was not all hers. She was the only one that answered their call. 

My biggest concern is that the offer was never documented or sent. They promised to clear her name and whomever she chose, but how is that legal to the other former tenants? Then after advising her to get a loan to repay the debt, as if there was no other option, they called her twice in one day to try to get her to make the payment after she told them that XXXX had not deposited the loan into her account. Then when I requested to speak with them and got permission, and questioned their processes for handling young adults that are naive to their options, the same manager that ill-advised her, insulted and threatened us. 

He was rude from the start of the conversation and in a condescending tone, said since I am her mom, why don't I just pay off the XXXX loan. He was on speaker so my kids ' stepfather also heard the brief and unprofessional conversation. And as the manager, XXXX blurted out that he was rescinding the offer and notating my daughter 's account as refusing to pay and threatening to forward it to their legal department, their stepfather took over the call and expressed anger before I hung up the phone. 

I sent an email yesterday, attached. We have not received a response as of today at XXXX XXXX.