23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not XXXX and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEP ED XXXX {$2300.00} XXXX XXXX {$460.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} US DEPT ED XXXX {$3200.00} XXXXXXXX XXXX {$2000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$890.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I'm reaching out because experian is helping Foursight Capital put incorrect information on my credit report related to the account below : XXXX XXXX  Account XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, l 've shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
IRS referral is XXXX. 

Please delete this incorrect information from my report immediately. 
Thank you,
Product: Checking or savings account

I have pre-existing business relationship with Axos Bank in the form of a personal Loan opened around XXXX XXXX. On XX/XX/XXXX, I opened a rewards checking with them. While waiting for my new debit card to arrive, I deposited some funds into account via online transfer from an external bank account. On XX/XX/XXXX, I received an email notification ( attached ) from Axos stating that my debit card was activated and that same night, I logged into the online banking to find out 3 separate unauthorized ATM withdrawals have occurred in a neighboring town totaling {$600.00}. Immediately, I called their fraud line to notify them of these unauthorized charges and they were able to freeze/disable the debit card ( email attached ). I had to call again the next day to file an authorized transactions dispute with the actual bank. A case number # XXXX was established. I have a USPS letter stating that mail thefts have been occurring within my local area ( attached ). 

While waiting for resolution, on XX/XX/XXXX, I received another email from my XXXX account ( linked it to their online dashboard ) stating that action needed for a pending transfer for {$3500.00}. There were 3 unauthorized payments activated from Axos to XXXX : {$990.00} ( completed ), {$3500.00} ( pending ), and {$40000.00} ( pending ). I froze my XXXX  account, filed a dispute with them and contacted Axos to find out that my entire online banking access was compromised and I can not login. Their agent assisted me by phone to regain control, to find out fraudster had changed my phone #, email, and address. I had them logged another dispute case for online banking compromise. On XX/XX/XXXX, I received an email with letter stating that my dispute on the checking account was denied due to them finding NO error. I immediately called them to reopen the case. 

Currently, the loan issue seems to have clear because my XXXX bank stopped payments on the 2 pending payments and 1 completed was allowed to be posted due to my loan being due for the month. The dispute on the checking account has now been denied a second time with no explanations. Please urgently assist
Product: Credit reporting or other personal consumer reports

I found unauthorized credit inquiries on my report today, which left me confused. I routinely check my credit report, but this time, unexpected discrepancies were present. Despite refreshing my browser to rule out a glitch, the inquiries didnt go away. I need these documents reviewed immediately to eliminate this concern.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. XXXX these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

started calling from XX/XX/2018 everyday until now XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions XXXX on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. ''
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$420.00} and a mobile account on XXXX XXXX with a balance of {$1500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, 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 # ( private case number ) 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.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding the inaccurate reporting of a debt on my credit reports by XXXX XXXX, a debt collector, which is having a detrimental impact on my financial well-being. 

As of today, Tuesday, XX/XX/2023, I have been diligently working to address this issue by contacting XXXXXXXX XXXX and their servicer, XXXX XXXX XXXX, in an attempt to obtain the necessary account records and proof that this debt is indeed mine. Regrettably, my efforts have been met with frustration and a complete lack of cooperation from these entities. 

Despite numerous attempts, both XXXX XXXX and XXXX XXXX XXXX have consistently claimed that no record of this debt exists under my name. To my disbelief, the supervisor for XXXX XXXX XXXX, XXXX, essentially told me to stop calling as they insisted they had no information under my name. This is not only uncooperative but also highly concerning given the impact this situation is having on my credit. 

I have attached copies of my credit reports from all three major credit reporting bureaus, TransUnion, XXXX, and XXXX, for your reference. As you can see, XXXX XXXX XXXX reporting of this debt has resulted in a significant negative mark on my credit reports, which is unjust and damaging to my financial standing. 

I have taken the initiative to notify TransUnion, XXXX, and XXXX about this issue, providing them with the relevant information. However, to my dismay, they have claimed that they have already investigated the information and have concluded that the debt is indeed mine. This response is both disheartening and troubling, as it appears that these credit reporting agencies are neglecting their fundamental duty to conduct thorough and accurate investigations. 

I urgently request the intervention of the Consumer Financial Protection Bureau to rectify this situation. It is imperative that the negative mark on my credit reports, attributed to XXXX XXXX, be removed immediately. I am suffering the consequences of this inaccurate reporting through no fault of my own, and it is affecting my ability to secure credit, housing, and other essential financial opportunities. 

I kindly request that you investigate this matter thoroughly and take the necessary actions to ensure the removal of the erroneous information from all three credit reporting bureaus. I believe that the attached credit reports, along with the lack of cooperation from XXXX XXXX and XXXX XXXX XXXX, provide sufficient evidence of the inaccuracy of this debt on my credit reports. 

I am grateful for your attention to this pressing issue and look forward to a prompt resolution. If you require any additional information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your assistance in rectifying this matter and restoring the accuracy of my credit reports. 

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

Im resubmitting 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXX/XX/2021 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number : XXXX Multiple inaccuracies between all the 3 credit reports On record until date inaccurate between all reports. 
XXXX inaccurate data for XXXX, XX/XX/2019. 
Inaccurate date of last payment, all 3 reports. 
Experian dispute and reinvestigated with no updates to reports Disputed with XXXX and XXXX with no updates to reports. Clear violations to accurate reporting practices by all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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 XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Once again complete lack of response from Experian. 

On XX/XX/XXXX I received a notification from the CFPB regarding complaint ID XXXX indicating that the complaint lists someone the company does not recognize as their customer or their customers authorized representative and Experian requested my authorization to investigate. My authorization was promptly given via the CFPB website. Since, I have received no response from Experian regarding this investigation. In my dealings with Experian they have exhibited a history of evasiveness, stonewalling and complete lack of response, including not responding to multiple inquiries of the WV State Attorney General as well as refusing multiple requests to send my complete file as required by section 609 of the FCRA. Specifically but not limited to I want to see the entire history of inquiries with end users especially after the excessive activity of XXXX XXXX. 

And to make matters worse, in XXXX of XXXX I received suspicious emails that appear to be from both XXXX XXXX XXXX and XXXX XXXX indicating a security breach and that these accounts would be closed if I didnt respond. The thing is these accounts were closed over ten years ago. My question is, has Experian or XXXX ever provided my information to employees of XXXX XXXX XXXX, XXXX XXXX or any other financial institution? 

Furthermore, the response from XXXX on XX/XX/XXXX is total nonsense. Though they are unable to locate an account for me they have accessed my data 30 times as indicated by the Experian online reports. XXXX says they have only done XXXX soft pulls over this time period and want me to contact Experian regarding these inquiries. But XXXX says, according to our records, we have sent 27 mailers to your address I have never once received a mailer from XXXX or meet their client profile. 

Considering the evasiveness, lack of response, excessive and clear irregularities, I need some answers from both Experian and XXXX. If I dont receive within 15 days answers to these questions I will make certain that this file crosses the desk of the Enforcement Division of the Consumer Financial Protection Bureau and if that is not good enough we will move the FTC. 

Experian, I want my complete file which is my right under FCRA Section 609, as of the effective date of the last complaint and as the section requires Identification of each person ( including each end-user Second, have you provided my information to anyone employed at XXXX XXXX XXXX, XXXX XXXX or any other financial institution not listed on my online report? If so what was their legitimate purpose in accessing my financial data? 

XXXX, since you have such historical detail regarding accessing my Experian data, and considering Experian does not want to fulfill their obligation, tell me how you got my social security number, and when did you start sending me mailers and accessing my data? Lastly, have you provided my information to anyone employed at XXXX XXXX XXXX, XXXX XXXX or any other financial institution? 

I look forward to your response. My identification is attached,
Product: Credit reporting or other personal consumer reports

I never had national grid account in my name. someone used my information. 
I REFUSE TO PAY THESE DEBTS. 

XXXX DOES NOT BELONG TO ME. I REFUSE TO PAY THIS DEBT. 

XXXX XXXX KEEPS HARRASSING ME. I AM STRUGGLING. I'VE TRIED TO REASON WITH THEM. XXXX PUT ME IN A BAD SITUATION. 
I REFUSE TO PAY THIS DEBT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters from XXXX for over a year. Saying that I owe them money. 
XX/XX/XXXX statement 2016 I owed {$170.00}. Unable to charge on the card because they say I was late, no more charges have been made. 
I made a payment of {$150.00} XX/XX/XXXX. I made another payment in XX/XX/XXXX of {$75.00} and {$75.00} in XX/XX/XXXX. I still continued to receive letters that I owe the {$320.00} but now acknowledgment of the payment or explanation of why the balance is n't going down or why it is still going up. I have asked repeatedly for a statement of my charges and they have not given me one. 
Just letter " trying to collect a debt. 
To me it is paid off. They need to correct the credit agencies records which they have not.
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 XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a 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: Debt collection

My personal information was sold to a third party that is attempting to collect this debt. The amount i was informed that was owed on the account was not the correct amount the loan was originally for, and has jumped hundreds of dollars due to unknown fees. The contact information on that account is not current including the address linked to this account. No mail has been forwarded to new address from this company. I was not given proper notification regarding the debt nor is the amount of the debt correct. The account was closed, the account has now been reopened. When have attempted to locate the account on the website of the loan company, the account is not able to be signed into.
Product: Credit card

Capital one has charged me XXXX percent interest that I've been trying pay back for over a year. They have never tried to help me and I've been calling constantly throughout the year. I pay XXXX dollars they take out XXXX. I would have been paid off but im still almost at max because they are taking out so much. I havent used the card in over a year as well, but since I was in a pinch a few years ago and maxed it out im being punished although I pay as much as I can every single month which meets the minimum requirements.
Product: Student loan

My name is XXXX XXXX XXXX and I checked my credit report on XXXX XXXX and found a XXXX loan. It is from XXXX XXXX XXXX XXXX for XXXX dollars. I never took this loan out and never would of. The loan was taken out XX/XX/2022. I need this off my credit report. I do not know how this happened! Thank you, XXXX the account number says it is XXXX
Product: Mortgage

Statement provided by Mr Cooper on XX/XX/2020 show amount due of XXXX, by XX/XX/2020. 

After logging into account on Mr Cooper website on XX/XX/2020 it shows amount due XXXX by XX/XX/2020, without any breakdown or justification for increase. 

I called Mr Cooper on XX/XX/2020 to get clarification and explanation for increased amount due. I was told that I had " received bad information '' on the statement. However, they could not provide any evidence to support the increase, and continued to try to push me to agree to have my escrow balance recalculated that day. I repeatedly declined, and continued to request justification for the increase. They were unable to provide any evidence for the increase, and are simply forwarding on to another department, which will not review the concern until after the payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

XXXX XXXX and XXXX are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a discover I have a service called credit wise through XXXX  XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.