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

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I still have numerus number of unauthorized inquires on my TransUnion report. 

I did not authorize these inquires below that are reporting on my TransUnion credit report : 1. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX Please remove these accounts. I did not authorize the inquires Please advise
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXXXXXX : account states closed : Loan account XXXX XXXX opened XX/XX/XXXX XXXX XXXX  : account states closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX XXXX : account closed : opened XX/XX/XXXX 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 conviction 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 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

Date Today at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error. 
LIST OF ACCOUNTS WITH LATE PAYMENTS Past late payments ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) Date XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Date XXXX XXXX ( XXXX ). Date XXXX, XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) Date XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) Date XX/XX/XXXX XXXX XXXX XXXX ) Date XX/XX/XXXX XXXX  ( XXXX ) Date XX/XX/XXXX XXXX XXXX ( XXXX ) Date XX/XX/XXXXXXXX XXXX ( XXXX ) Date XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( 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. 
Please re-investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed. 
I am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This 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 ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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

I am writing to formally dispute the fraudulent account that has been inaccurately reported on my credit report. I have thoroughly reviewed my credit report and found an account that I did not open and have no knowledge of. This account is XXXX affecting my credit score and does not belong to me. 

I am a victim of identity theft, and this fraudulent account was opened without my knowledge or consent. In support of my dispute, I am enclosing the copy of the Identity Theft Report filed with the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sirs, I originally filed a complaint against Certegy regarding a paid item reported by XXXX on my consumer report. This items is scheduled to be removed on XXXX XXXX. The initial complaint number is XXXX. The Certegy reference number is XXXX. It's now XX/XX/2023. I would like a copy of a update consumer report removing this item with XXXX.
Product: Checking or savings account

I have had issues with the bank before due to credit card transactions and being charged more then once. I have submitted transaction claims claiming that the transaction were authorized but the repeated ones from the same amounts were not. Tha bank file my claims I expressed that I due enroll my debit card on my XXXX XXXX phone because it requires it and when I disputed with them the transactions they closed my card and said that I'm no longer able to use a debit card with them. I still have the account open but that I am no longer able to have a debit card. Why because I'm disputing fraudulent repeated charges from my account? That is wellsfargo.
Product: Student loan

The nature of this correspondence is to inform you an error and greivance that has caused me severe hardship on my credit report, i'm speaking of the charge-off ( s ) on my XXXX and XXXX credit file. On XX/XX/XXXX I made a payment to Navient I have attached my bank statement to this message as proof. 


I had made a payment but the loans were still charged-off on XX/XX/XXXX. According to the Cares Act their was a Covered Period that started XX/XX/XXXX which goes 120 days after XX/XX/XXXX. Under those terms I should've been covered without the derrogatory marks and late payments on my credit file. Furthermore I was informed by a Navient Supervisor that there was a program that I could've qualified for that could have saved me, but Navient did not disclose this information to me. 


Lastly I have made a several of payments in XXXX I have attached bank statements to this message. And I bring that up because as you know Navient is in a Lawsuite with the CFPB ( Article attached to this Message ) where they ( Navient ) forced borrowers into high payments which had a negative affect on borrowers credit file and I was notified that I was a victim as well.
Product: Checking or savings account

On XX/XX/2022, someone broke into my truck, stealing both my wallet and phone along with a few less important items, headphones, chargers and such. 
After breaking my driver 's window and stealing my items, they made 2 purchase on my debit card, 1 for {$4200.00} and the other for {$220.00}. 
I filed a police report and reported the fraud to Chase Bank. When I filed my report with Chase Bank, I asked if they needed my police report and they said, if required, someone would reach out. 
Then Chase Bank denied my case, with no one reaching out to me. So I sent in the police report and receipt for fixing my truck window to ensure they had everything needed for my case. However, they denied it again, stating they are not responsible since they verified the cost through my phone, which was also stolen. 

Now, I'm not sure whay to do because XXXX essentially said they have zero responsibility, even though the purchase was verified through a phone that was stolen.
Product: Credit reporting or other personal consumer reports

I got a credit report and I know it is incorrect. I was told I have a right to have a investigation done. In which you did not thoroughly investigate these. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX said that Experian never contacted them. I submitted my police report and XXXX fraud report showing these are not my accounts. Experian is lying and violating FDCRA by going through XXXX XXXX and secondary credit bureaus. 
XXXX XXXX says the account was charged off in XXXX  and they have no access to the file so how did Experian get verification from XXXX XXXX. XXXX XXXX has my police and fraud report. They have not have responded to my requests through the attached letter. Even though I have asked over XXXX times. 
I'm a victim of fraud and have the police report and XXXX report to back it up. I have validated proof these are not my accounts. Look at my attached files.
Product: Mortgage

called ocwen loan servicing after receiving notice mortgage going up {$40.00} per month amount requested for escrow was {$470.00} i sent {$570.00} mortgage still went up asked what amount i could sent to keep mortgage same as it was {$730.00} no one answers question calledXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX.spoke to same person5 times names given XXXX XXXX XXXX  ( male ) XXXX said continue paying original amount i asked for written statement saying that have not received anything.i now have surplus in escrow. i just want to know money needed to keep mortgage sameXXXX i'm just getting run around
Product: Debt collection

Ive tried contacting the company since XX/XX/2023 and have not received any mail or calls yet alone emails regarding that debt. Debt collectors are threatening to damage my credit as well and hinder me from gaining anything because of the debt. They have been calling non stop but can not confirm or send any information regarding that the debt is mine. Also refuse to send any signed original documents saying its mine. I have received calls everyday for the last 4 months stating from XX/XX/2023 until now
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ). They have not been reporting inaccurate information.

Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. 
If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. 

To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA laws, investigations that take longer than 30 days need to be deleted off my credit report and this investigation took longer than 60 days for verification which was still not accurate. Please review the following complaint and dates. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

" First Tech Credit Union '' is running a scam operation where they charge people for inactivity but make it impossible to close the account.How are they allowed to keep this fraud going? 

I have received communications from " First Tech Credit Union '' that due to inactivity in my account they will charge me fees. 

I have been living in Virginia for over 6 years and there are no branches in the state - which is why the account has been inactive. 

I have made multiple attempts to call ( as I can not physically get to a branch ) to close the accounts. 

Just today, I made 3 attempts and was put on hold for 16, 22 and then 27 minutes on hold but had to drop the call because there are other things i need in my everyday life and can not stay on hold forever.
Product: Debt collection

I am writing to dispute multiple unauthorized credit inquiries on my credit report. Below are the inquiries that I did not authorize :
Product: Credit reporting or other personal consumer reports

I have contacted all 3 credit bureau about this problem I told them I never opened this account and they keep sending it back as and not taking it seriously the account is closed and I ask for poof 3 times these is not my account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX  - Account Number : XXXX Account Name : XXXX  XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : ( Original Creditor XXXX XXXX  ) - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021.
Product: Debt collection

I paid XXXX to my physician prior to XXXX for my deductible and co insurance. They took the money and applied it to something else. I have tried for a year to talk to the doctors office and billing to get it resolved with no luck.
Product: Vehicle loan or lease

My vehicle XXXX XXXX XXXX was damaged by a hit and run motorist on XX/XX/XXXX .I have police report that was given to Autonow Finanicial services. I have tried several times since then and left several messages related this insurance claim.This company has proven to be unprofessional and very nasty to me as a consumer. I have decided to turn vehicle back to car lot. Me as a human being and a consumer do not deserve and do not appreciate the treatment I have endured.I am sharing my concerns with and get this contract with this awful company voided.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/year> I have I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX # : 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX XXXX XXXX  IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Money transfer, virtual currency, or money service

My PayPal account is XXXX. There is {$10000.00} missing on XX/XX/2020. The account balance is XXXX. Please refund me the money {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Idaho housing is staying my payment was late for XXXX when in fact it was made before XXXX MST on XX/XX/2019. I have copies of my transaction being completed prior to that and my payment date is listed as XX/XX/2019. There is no reason for them to be reporting this as late when it was not late for XXXX.
Product: Credit card or prepaid card

Capital One Bank are refusing to enforce the Fair Billing Credit Act regarding my dispute under MasterCard Chargeback code XXXX. 

And has reported such transaction to the credit bureau.
Product: Credit reporting, credit repair services, 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 has violated my 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: Debt collection

I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX   account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
Product: Checking or savings account

Before I start I want to notify I reported what happened to the XXXX XXXX County Police on XX/XX/XXXX : The report was registered from Cpl XXXX # XXXX Report # : XXXX Phone # : ( XXXX ) XXXX - XXXX email : XXXX On XX/XX/XXXX I applied for a job on XXXX  : " XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MD '' The day after I received an email from XXXX XXXX Subject : XXXX XXXX XXXX ( invitation to interview ). 
I followed the instruction creating a gmail account and contacting on XXXX Ms. XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. These people I just named ended out to be fake people who were able to steal {$5400.00} of my money because my bank, Capital One, missed to communicate me that the checks these fake people sent me, were not covered, instead the morning I went to my bank for the withdrawal my account showed the money had been deposited. Misled by the wrong information I trusted these fake people and withdrew {$5400.00} from my account and deposited it on an account on XXXX XXXX. After that, these people disappeared and the checks I previously deposited on my bank account were reversed. 
All documents I am attaching have been filed in the Police Report. 
I spoke to the branch manager who told me the bank is not responsible for it.
Product: Credit reporting 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 : XXXX 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 inquiries 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 XXXXXX/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 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 XXXX I disputed fraudulent inquiries I found on my credit reports. As of today XX/XX/, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA. I have attached the letters all XXXX bureaus have received.