23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is in regard to Experian Credit Reporting Agency.

Credit Report Number : XXXX Experian has continuously and is currently reporting 2 accounts that is a result of identity theft within my credit file. The info is with XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Perpetrators were able to obtain several loans, bank accounts and credit cards using my information. I had filed a police report, I had filed an FTC identity theft report, and yet they ( Experian ) still kept the fraudulent information within my credit file. Not only did they did this, the credit bureau ( Experian ) has also updated and maintained this information within my report, even though Experian and both ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ) companies has failed to send me information on who opened up these fraudulent accounts. 

Several times I have asked Experian to remove the accounts and to verify who had opened these accounts with XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, and to several times, no success or avail. 

Ive also reached out to both companies XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX XXXX kept on giving me the run around and no one never returns my calls. While a representative at XXXX XXXX  told me the company has its obligations to keep a record on everyone, regardless if that person is an ID THEFT VICTIM, and even if its mine or not. Nor are they obligated to send me anything as well on the fraudulent account even though a police and FTC REPORT was filed. I had submitted a police report and an FTC identity theft to XXXX XXXX XXXX. 

Both fraudulent accounts are still within my credit as of XX/XX/2020. 

I currently work as XXXX XXXX at XXXX XXXX, in XXXX XXXX NY. 
So daily I have to restrict my commute by using XXXX/XXXX  services due to the exposure of the Coronavirus on XXXX  public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan due to my Identity being stolen and fraudulently used. As well as the fraudulent acts of Experian Credit Bureau. 

Im facing risk with my life everyday, and the last thing that I should be worrying about is my credit being used fraudulently at Experian Credit Bureau. Experian has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : RE XXXX XXXX Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my XXXX credit report, is the result of that trafficking. 

Accounts : Account numbers : Date Opened : 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 I also see 3 other names on my credit profile which is because of the XXXX 
I need these names blocked and removed from my XXXX credit Report XXXX XXXX. 
I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company in which they have assured me that they no longer have this account. I have paid the original creditor in full, therefor the following account is not owed. 

HP Sears. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account and I do not owe XXXX, XXXX no money. These people are thieves. I dont owe Original Creditor XXXX XXXX XXXX  Any money. I repeatedly asked them to remove it and they cant provide any proof which is illegal. It has been more than 30 days and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get this issues resolved since XXXX both credit bureaus ( XXXX  and XXXX  ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 XXXX XXXX XXXX XXXX XXXXXXXXmy 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

RCS. Residential Credit Solutions. Fails to post payments and insists they were not received ..after loan from an other bank is sent to them it takes months yo get any account number or statement. Phone service will tell you that statements are not required to be sent out..but how can you make a payment if you have no were to send it..they answer that is your problem..after many attempts at trying to resolve this issue they say your late and going to be foreclosed on..they leave you no option in the end but to agree to a payment plan with huge payments and high fees associated with it..this is a scam to try to put you into foreclosure ..rude people to deal with ... .I am not alone in this there are many complaints on line with others..why can a business get away with this obvious illegal behavior..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised when saw 3 lateness on credit report. All of them are closed and paid in full with XXXX balance. Can you please remove these 3 accounts from Equifax credit report like have done already XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Employer - XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Previous Address - XXXXXXXX XXXX XXXX  XXXX XXXX, NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within XXXXive business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data.

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : DEPT OF ED/XXXX, account # : XXXX has violated my rights. 

I was looking at my Experian Credit Report on XX/XX/year> and noticed inaccuracies on my credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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.
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 XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$390.00}, XXXX XXXX XXXX Balance : {$900.00}, XXXX XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$580.00}, XXXX XXXXXXXX XXXX Balance : {$83.00}XXXX XXXX  XXXX XXXX XXXX : {$110.00}, XXXX XXXX XXXX XXXX : {$610.00}, XXXX XXXXXXXX XXXX Balance : {$820.00}, XXXX XXXXXXXX XXXX XXXX : {$210.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX XXXX : {$130.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX : {$1400.00},, XXXX XXXXXXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX Balance : {$270.00}XXXX XXXX  XXXX XXXX XXXX : {$200.00}XXXX XXXX XXXX XXXX Balance : {$100.00}
Product: Vehicle loan or lease

On XX/XX/2018 at XXXX GM Finanacial repossessed my car saying im 3 months behind on payments, well 2 months and 6 days to be exact. My payments a month are {$310.00} they have given me until tomorrow morning to pay {$1600.00} to get it back or its going to be sold at auction. Thing is i always have paid by check from my bank account which i have ALL statements showing im only 6 days behind on XX/XX/2018 payment. Their monthly statements are NEVER right when i make a payment instead of it being taken off balance and reduced its like they add that amount to whats owed and the total EVERY month rises instead of reduceing. Even w proof they refuse to give me my car back even though it was an illegal repossession. Even if i was 3 months behind that total owed would only add up to be {$930.00} but yet they r demanding a {$1600.00} payment or i cant have my car back. Thats an extra {$660.00} for what is my question which of course they have NO answer for. So i have contacted a lawyer and i am sueing them over this. U might also want to go to their website Gm Finanaical.com check out tbeir complaint section, they have 801 complaints 554 of which are over financial or payments from that many more customers going threw same thing with same problem. 
Someone there is pocketing all this money that keeps disappearing or never arrives. Oh and evrytime you call these people u are only allowed to speak with a CSR the supervisor is NEVER in or available. Plus i have been completely harrased by these people they literally call my house 4 to 5  times daily for the last 5 yrs over this car payment. That itself is against the law not to mention i draw XXXX and i am a very sick women and this is absolutely ridiculous to have to deal with this on a daily basis and be treated like something lower than a dog by these people. They are rude and completely unhelpful. Something needs to be done a business of ANY KIND should not be allowed to harrase people or treat people this way ....
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  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 to be removed/updated. 

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.

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!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit file regarding JPMCB Sapphire credit card account. I believe that the information provided is inaccurate, and I request that you conduct a reasonable reinvestigation of this account in accordance with the Fair Credit Reporting Act ( FCRA ). 
( SEE ATTACHMENT )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Transunion, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, nd, XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that XXXX XXXX  has reported with Equifax, XXXX and XXXX, whom are all non affiliates with XXXX XXXX, in the terms and conditions provided by XXXX XXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Product: Credit card

Care Credit Card through Synchrony Bank w/no intersest charges for 6 to 12 months. Paid exceptional monthly payments well over and above the minimum payments due. Payments credited towards the most recent charges and older charges allow to accrue until the interest rates kicked in.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX  credit reporting agency , block & delete 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. Reason : Identity theft & Data breach.These fraudulent accounts consists of a auto loan at XXXX XXXX XXXX around XX/XX/XXXX with account number XXXX and other accounts at XXXX XXXX XXXX account number XXXX around XX/XX/XXXX and XXXX XXXX account number XXXX around XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report & file. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity cease & desist. I do not recognize the aforementioned accounts & Information reporting, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
ated to said items cease pursuant to my rights within the FCRA and FDCPA Laws.