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

For the past several months I have be in touch with Transunion consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Transunion numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question.Transunion has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Transunion has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act X has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I tried to contact you about this late payments on my payment history, I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent transu union a letter stating there company was in violation according to 15 usc S1681b
Product: Debt collection

HP Sears is claiming that I owe them {$1800.00}. i refuse to pay the debt and I asked them to validate the debt via several letters but have not received a response AT ALL! Each letter was sent certified mail and was tracked and confirmed delivery at their address. I asked for an original wet ink signature, the contract between me and HP Sears stating that we were in business and they have the right to collect on a debt and they still have not sent me anything. The most recent letter I sent out was back on XX/XX/21 and still did not receive any correspondence back. They do not have the right to put this on my credit without giving my any proof that it is mine!
Product: Payday loan, title loan, or personal loan

We took a loan from uplift in my name and my wife 's name to pay for an onboard XXXX XXXX trip. We were to take this family trip on XX/XX/2022. At point on checking in for the cruise, a XX/XX/XXXX representative misplaced our travel document we had presented to them leading to a chaotic episode. Eventually, our entire family was denied making trip and carnival is yet to take responsibility for the misplacement of our travel document which led to them denying us a planned vacation trip. Part of that is XXXX also refused refunding us the full fare paid through uplift for this trip. I reached out to uplift to dispute the charge paid for the trip following the outcome explained earlier. As the company that financed this cruise fare, we what to dispute the total fare charged because we were never provided the service or trip we paid for. When I called the uplift representative on Tuesday XX/XX/2022, to report this complain and to file the dispute, I was promised a call back due to a long hold time to speak with someone who will handle my case, but they never called back. I am now wondering what is the customer protection offered by Uplift as a loan company if the service the loan was taken to pay for was never provided and the amount paid not refunded? Right now, I am paying uplift the loan as agreed and they need to take my complaint and act on it in disputing the charge paid to XXXX XXXX XXXX who never provided the service they received payment for.
Product: Credit reporting or other personal consumer reports

I disputed multiple incorrect credit reporting with Experian, XXXX and XXXX. I also requested proof and did not receive anything. I also requested for multiple credit inquiries to be removed because it was for one purchase depending on the category.
Product: Credit reporting or other personal consumer reports

Company provided information to me that was incorrect, and information that should not be on their, account were paid off, they are reappearing on my credit, Their inquiry from past companies that should have been remove years ago, that have my name missed spell, my name XXXX XXXX XXXX, and their attaching account for company I have never had. Please have them correct this, its hurting my credit score and unable me to provide for my family,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts # XXXX and # XXXX with Portfolio Recovery Associates collection agency multiple times but the issue is still not resolved.
Product: Credit reporting or other personal consumer reports

I do have a FTC report regarding these inquires please view attachments below. Thank you Ive contacted XXXX XXXX  regarding this inquiry I spoke with XXXX she stated she couldnt find anything in the System with my name or social she asked which bureau its reporting to and she said she would reach out and fix this issue and apologized, also I spoke with XXXX at XXXX  she stated shes sorry for the inconvenience I need to contact the credit reporting agency shes not sure why my information appearing to be reported to TransUnion, I call XXXX XXXX they said dispute it how unprofessional which I told them I will lastly I contacted XXXX XXXX I spoke with XXXX he transferred me 3 times no one would assist and the voicemail say its full these inquiries shouldnt be on my report I didnt authorize these I havent applied for anything, and I ask that this be removed from my TransUnion and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

1. XXXX XXXX XXXX XX/XX/XXXX {$350.00} 2. XXXX XXXX XXXX XX/XX/XXXX {$3000.00} Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX of XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I found out that my personal information along with millions of others was mishandled and compromised by Equifax. I am listed as a potential victim according to their equifaxsecurity2017.com
Product: Debt collection

Comenity bank calls everyday including weekends and several times a day and says it's urgent I call them today and settle a debt with another credit company. I have never heard of either company and I don't owe them anything. They have never mailed me anything. The only information they have is my phone number and my past last name ( XXXX ). I've been remarried since 2018
Product: Checking or savings account

Their online banking, mobile app and telephone banking system have been down for over a week. 
Tried calling two branches ; at one they would not answer the phone, it just rang and at the other they put me on hold and never came back. 
This is not the first time this has happened. 
Luckily due to some other problems with them, I don't keep much money in their bank anymore. 
I do worry about everyone else. 
There is something very wrong with this BMO Harris Bank 's operations.
Product: Debt collection

this number repeatedly calls my place of employment and threatens me that they are going to serve me papers at my work if I do n't call them, that does n't make any sense to me, since I do n't know what it is about and people do n't call you to warn you that they are going to serve you papers, they just do it ... ... ... ..so this is really bothering me. he is very rude and says his name is   XXXX   XXXX   or something like that and gives a phony court case, which is n't true, not sure what this is all about.
Product: Mortgage

Select Portfolio Services bought my mortgage from XXXX in XX/XX/XXXX. 
XXXX told them I was behind 3 months in payments which I was not. Those months were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX 
SPS paid XXXX for those 3 months when they acquired my loan. 
I have a bank statement showing each of those months paid to XXXX from my account. 
Question why are they buying a delinquent- perhaps an easy foreclosure???? 
They did not realize I was on chapter XXXX ergo they could n't foreclose or even ask me for the money they thought I owed. 
After Ch XXXX I received lots of stuff in the mail about money I still owed and my lawyer said do not pay anybody so I did n't. 
XX/XX/XXXX the first I receive a letter from SPS saying I owed them XXXX plus. I sent them a certified letter with copies of payments to XXXX for those months. 
XX/XX/XXXX I get a letter saying I owe them XXXX. My letter was received by them on XX/XX/XXXX and signed for by XXXX at XXXX. 
Select Portfolio Services-XXXX I only get a flunky when I call so there is no contacting someone in charge. 
The XX/XX/XXXX letter ask for XXXX by XX/XX/XXXX I called and asked the flunky if there was anything on the screen about the certified letter and copies I had sfnt and she said no. 
I 'm really stuck and really scared of these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX been a mayor nightmare XXXX unable to buy my car because I have inquiries XXXX XXXX XXXX XXXX, I have accounts that I was authorize user and was not aware of and I have asked numerous times for them to be removes. 

XXXX- not my problem belongs to company take me OFF XXXX credit authorize user XXXX XXXX all of them Authorize user XXXX XXXX Authorize user XXXX authorized user all of them the main account holder has gone into credit payment issue and I'm being penalized I have requested these accounts off my credit 8 times this year alone
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftlyXXXX  XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the XXXX XXXX XXXX XXXX Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX : {$620.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to remove an inaccurate address and a collection account from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. I discovered an incorrect address listed on my credit report. This address is not associated with me and does not reflect my current or past residences. Its inclusion on my credit report is erroneous and misleading. In addition to the inaccurate address, I also identified a collection account on my credit report. I have never had any dealings with the creditor in question, and the presence of this collection account is negatively impacting my creditworthiness and financial opportunities. Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I submitted all required documentation, along with a request for the removal of the inaccurate address and the collection account. However, my initial disputes were not resolved in my favor. Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these inaccuracies. I provided additional evidence, communicated with your customer support, and sought assistance from your representatives, hoping to rectify this situation. Despite my continuous efforts to correct these inaccuracies and provide irrefutable evidence supporting my claims, I have not received a satisfactory resolution from your organization. The presence of the inaccurate address and the collection account continues to adversely affect my credit score, hindering my access to financial opportunities. I demand immediate action to rectify these inaccuracies on my credit report, specifically by removing the inaccurate address and the collection account. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I also request written confirmation once these corrections have been made. Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines my trust in your organization 's commitment to accurate credit reporting. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/XXXX - I received a security alert from my bank that I added a recipient to my online bill pay and if I hadnt to call immediately. The notice was sent after the dept I was to call had closed for the day. ( I had not then, nor had I ever used online bill pay. ) I deleted the recipient which was my own credit card - but I never added it. 
XX/XX/XXXX - I received a security alert again and did speak to customer service.. I was advised that since it was my own credit card that had been added to not worry. I deleted it from bill pay again. 
XX/XX/XXXX - I received a 3rd security alert about the same issue. I told the person I spoke with that I had never used online bill pay and could they just eliminate it from my account so I wouldnt receive any additional security messages. 
XX/XX/XXXX - I spoke with someone who said she removed it XXXX online bill pay ) and ever since then I have been unable to have access to my Virtual Wallet Acct or my credit card in online banking. I cant view any credit card transactions or Virtual Wallet account transactions. When I click on the hyperlink for those Acct it takes me to a screen to enroll in online bill pay, but not my accounts. 
I have been sent to various departments since that time to resolve this. I have spoken to credit cards several times to get my recent transactions. I have spoken to online bill pay dept, online banking, escalation and the list goes on. I have been advised that a rep I spoke with was re-enrolling me in online bill pay and that should resolve things in 2 days. I was advised to re-enroll myself ( which I did ). 
No one seems to know what they are talking about. This is an issue that began on XX/XX/XXXX when I received a security notice that I should have never received about an action that I had never taken, and as of ... .. 
XX/XX/XXXX when I can report that I still do not have access to my Virtual Wallet or credit card in online banking. 
To say that I am frustrated is an understatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the account with XXXX  inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.