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

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

There are several accounts on my report that isnt mine, I disputed them 3x and they have yet to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for and received a auto loan for a used car. Subsequently I received a letter from XXXX XXXX referencing credit freeze on my record with XXXX, which I authorized and their letter also reference SageStream LLC.

SageStream reported incorrect credit score and incorrect factors which affected my score as reported by SageStream.

I have never heard of SageStream, never authorized them to be used

or consulted regarding my credit score. Their information is incorrect and there is no way to reach them without disclosing too much personal information. I do not want to release personal information to a company I have not chosen to use nor one I have never heard of.
My credit score is readily available from XXXX, XXXX  and XXXX. I my records deleted from SageStream LLC. 
.
Product: Debt collection

I settled a {$300.00} Credit Control acct on XX/XX/XXXX and was also informed medical collections under {$500.00} would be removed in XX/XX/XXXX. After a month the {$300.00} balance was still reporting I disputed that acct and I disputed a 2nd {$480.00} account as medical collection under {$500.00}. After the dispute they replied that the {$300.00} settled account as still owing and reported a collection fee to the other account making it {$600.00} plus. This is not correct. So the {$300.00} collection was paid and the 2nd collection for {$480.00} was changed to {$600.00} plus so it would remain on my Credit report.
Product: Credit reporting or other personal consumer reports

I still have inquiries on my report that are not connected to open accounts 2 from XXXX XXXX which I'm a authorized user and XXXX XXXX which I'm also a authorized user these inquiries are fraudulent and I want them removed an XXXX XXXX gave me 2 inquiries for the same application which is still fraudulent and bringing down my credit score I wish for Trans union to remove them XXXX and XXXX have deleted but Trans union refuses
Product: Credit reporting or other personal consumer reports

I disputed LATE PAYMENTS ON TWO Credit card ACCOUNTS with XXXX XXXX  with the credit reporting agencies in an attempt to get my credit report corrected and updated. They disputed the entire account as fraud, without my knowledge or authorization which resulted in two accounts with XXXX years of history combined being closed. This is DETRIMENTAL to my credit report / profile and is going to negatively impact my ability to buy a home, which I have just recently started the process. I sent a letter into the credit card company with 3 separate forms of identification, as well as 2 separate statements for each credit card account from my previous address as well as my current address and there has been no resolution. The credit reporting agencies need to rectify this issue by withdrawing the initial disputes that were submitted inaccurately and negligently and make note to the credit card company these accounts MUST be reopened immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Affairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX, XXXX XXXX XXXX is a non-profit 501 ( c ) 3 that has been serving the community for 130 years and is currently operating as a combined family service, community action program, and behavioral health organization serving up to XXXX individuals across the lifespan. As of XX/XX/XXXX, XXXX launched as a Certified Community Behavioral Health Center ( CCBHC ), Our mission is to support individuals and families of all cultural backgrounds in their efforts to meet economic, social and emotional challenges and enhance their well-being. 
XXXX XXXX ( XXXX XX/XX/XXXX ) is currently served in our XXXX XXXX XXXX program, in which he was enrolled on XX/XX/XXXX. He had a prior enrollment XX/XX/XXXX XX/XX/XXXX. XXXX XXXX is being treated for trauma associated with a history of abuse, including being victimized through XXXX XXXX. 
On behalf of XXXX XXXX, I am requesting that trafficking-related information from his credit report be blocked immediately. This includes all entries associated with the following entities : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX electronic signature XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX { XXXX ) XXXX
Product: Mortgage

Received mail requesting I resubmit my request for mortgage assistance. Spoke to XXXX XXXX XXXX XXXX XXXX XXXXXXXX he said he was not allowed to discuss the loan. Transferred to Customer Resolutions for details of the modification application and status. XXXX XXXX XXXX advised they are not allowed work on the application until the account has been brought current. I replied that the purpose of the modification is so the loan can be brought current. And this wasn't what I was told on XXXX XXXX XXXX I was told my application was in review. Requested a Supervisor to make a complaint or the Escalation Dept. He advised the Escalation Dept will have o transfer me back to the Loss Mitigation Dept. 
My mortgage servicer is not willing to correct the mistakes they have made during the processing of my mortgage requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

XXXX5 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint for Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. These entries do not reflect my true payment history and misrepresent my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for my XXXX XXXX account ( # XXXX ) are inaccurate. I have been consistently enrolled in autopay and have made my payments on time. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates the FCRA ( 15 USC 1666 ( b ) ), which mandates accurate and fair reporting of consumer credit information. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments may also violate the FDCPA, protecting consumers from account misrepresentation.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA provisions requiring accuracy in reporting credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate information and ensure the accuracy of consumer file information. Furthermore, the FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance, including damages for failure to adhere to Act requirements. 
Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that these entries reflect my true record of on-time payments. I expect written confirmation of the removal of these entries within 30 days of this complaint. 
Summary of Errors and Discrepancies in Account Reporting The following discrepancies have been identified in the reporting of 30-day late payments for my XXXX XXXX account across the three credit bureaus. These reported late payments are inaccurate, as I have consistently made on-time payments due to enrollment in autopay. 
Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian : 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  late payments inaccurately reported for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), as they misrepresent my payment history and creditworthiness. I am requesting that each bureau correct these inaccuracies and update my account to reflect my actual, on-time payment history. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX refuse to correct info on my report even though it is paid in full. I have email confirmation
Product: Debt collection

Dear Ad Astra, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation. 

thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response. 

Regards, XXXX XXXX CC Attorney XXXX XXXX
Product: Checking or savings account

I have had my pay check direct deposited into my cash app for years. On XX/XX/XXXX around XXXX XXXX  my pay check was deposited. I sent my sister my usual {$300.00} for my car note that i send her every single pay check leaving {$910.00} in my cash app, as soon as that was completed, I got a text message from Cash app stating that my phone number had been removed from my cash app. I then tried to pull up my cash app to figure out what was going on and it was trying to get me to create a new account. I then contacted cash app by phone trying to figure out what was going on. The representative i spoke with then walked me through creating a new account and he did something on his end which linked that new account to my existing account. Once i got into the existing account i noticed EVERYTHING had been changed such as my profile pic was gone, my name was changed hgfhdh my cash app tag had been changed to the same thing, my email that was linked to it was gone my bank info that was linked to it was also gone, everything was changed or deleted and the remaining {$910.00} had been transferred out to a XXXX XXXX, I told the representative that i was speaking with that all of this had been done and i did not do this, this all happened while i was speaking with the representative trying to get into the account. So he escalated it to the specialist team to be investigated told me it may take up to 10 business days, 7 days later ( yesterday XX/XX/XXXX ) they finally emailed me to collect all the information about it as well as what happened. I told them and attached screen shots as proof that it was not me that did the transaction, the next morning today ( XX/XX/XXXX ) i get an email they have denied my case stating that they have determined that I or someone I authorized did the transaction. I did NOT do this nor did i authorize this. I live check to check I have bills ( rent ) going unpaid and collecting late charges due to this. I just want my XXXX dollars back. Please help me get this back. I filed a complaint with the fdic who referred me to you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter from XXXX XXXX XXXX to Experian stating the following : RE : Paid in Full on Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Dear XXXX XXXX. XXXX XXXX XXXX : This letter is written confirmation that the above referenced account was paid in full and closed on XX/XX/XXXX. We are in the process of updating this data with the credit reporting agencies which will take approximately 45 to 60 days. 
We value your membership and ifwe can be offurther assistance to you please call us at XXXX or XXXX exlension XXXX, Monday lhrough Saturday XXXXXXXX XXXX. lo XXXX. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX A charge of effecting my report negatively has continued to remain on my credit report since this time and Ive submitted numerous disputes since then. This morning after submitting a complaint through CFPB about this matter, I received yet another dispute response from Experian informing me that the charge off remains as investigation info from XXXX states the info is valid. I just spoke with XXXX and confirmed that they have not provided any such information to Experian and there is NO INFORMATION that indicates I have a charge off or negative account with their institution and will be sending yet another letter for my records. 

THIS IS ILLEGAL TO CONTINUE HINDERING AND HURTING MY CREDIT BY NOT PROPERLY REPORTING ACCURATE INFORMATION!!! My score has dropped a great amount due to this issue!!
Product: Credit reporting or other personal consumer reports

A fraudulent account opened in my name by XXXX XXXX XXXX. See details below from Experian. I had account closed by credit grantor back in XXXX but my credit has been adversely affected and my score has not improved. Would like to file complaint as part of ongoing fraud dispute reports directly with credit bureaus which I am filing. 

XXXX  XXXX XXXX XXXX Account number XXXX Account type Charge  Card Responsibility Individual Date opened XX/XX/2023 Status Closed. {$210.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 XXXX {$800.00} Balance updated XX/XX/2023
Product: Debt collection

i demand ATG to cease all communication through all mediums and thet failed and contacted me again, they state a contract gave them authorization to contact me for 3rd party collections but my contracts never states i give atg direct consent to contact me or atg has not gotten any consent from a judge to contact me, atg admits to harassing me on a number of occasions by stating i failed to speak with them, i will now be filing a lawsuit thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called the XXXX multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Company : NATLCRSYS National Credit Systems XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX Tel ( XXXX ) XXXX Account # : XXXX Balance : {$4800.00} I'm unaware of this debt I didnt have the oppurtunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified receipt with my name and signature.
Product: Mortgage

hi my wlfe hads been out of work for a bout 2 years .I XXXX XXXX is the only one working at the time.i been paying my morage late but it get paid .bank of America been threating me that they are going to put me and my wlfe out and grand son.i hand ask theme for help and they turn me down.and they have all kind people callin me and sen me letter a bou my late pay ment.
Product: Debt collection

In XX/XX/2023, I disputed and submitted complaints in regard to a fraudulent loan debt on my credit report. After providing evidence that my identity had been stolen for almost XXXX years and that I was granted a confidential name change, Lendly closed the loan as fraudulent and removed it from my credit report. Lendly had sold the debt to XXXX XXXX XXXX who was also reporting the same debt, this too was removed. 

However, the debt is now being reported again by another company called XXXX XXXX XXXX which is an affiliate of Lendly. After Lendly sent me a letter stating they closed the account and would stop reporting, the debt was then sold to another company that is now reporting it. This is unacceptable and unlawful to report a debt that was documented as closed and fraudulent.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and found fraudulent accounts that I did not initiate, open, or authorize anyone to open these accounts on my behalf, which are a result of identity theft. FRAUDULENT ACCOUNT NAME- XX/XX/XXXXXXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$330.00}. FRAUDULENT ACCOUNT NAME-XX/XX/XXXX, ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$120.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XX/XX/XXXXXXXX XXXX ACCOUNT XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$2800.00}. FRAUDULENT ACCOUNT NAME- XX/XX/XXXXXXXX ACCOUNTNUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$20000.00}. FRAUDULENT ACCOUNT NAME- XX/XX/XXXXXXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$570.00}. I hereby affirm that I have no knowledge of these accounts, nor have I ever authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is also damaging my creditworthiness and causing me undue stress and financial harm.
Product: Credit card

I received emails from chime.com welcoming me to Chime and that I would be receiving a debit card in the mail, and other emails. I deleted these emails without opening them. Today I received a debit card in the mail. I immediately contacted Chime and they confirmed that I did have an account set up in my name. I had them close the account and after a few minutes on hold they did say that the account was closed and gave me a reference number XXXX. I also received an email saying the account was closed. My complaint is why and how this account was opened in the first place. After doing some online research this is an ongoing event with Chime for the last several years. Chime at the very least has very lax security measures in place or is complicit in opening accounts without approval using personal information that was paid for or stolen. Why has this company been allowed to continue to do this and why is there no investigation into this problem?
Product: Money transfer, virtual currency, or money service

Ive used zelle since it first came out. Did it first when I had td bank and then XXXX XXXX. When zelle was first introduced I would send money and the majority of the time theyve told me they never received it, and there were times where I received money and have no clue where it went either. There was no way to double confirm that the transaction went through or that Im confirming the person Im sending to. Once realizing the money went to someone or is just sitting up in the cloud that there was no way to fix it and it was a risk to use zelle without any comfirmation :
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize any of these 4 inquires.I called the credit agency and they could not inform me who input my information SYNCB  XX/XX/XXXX XX/XX/XXXX Bank Creditor Contact Details SYNCB XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 



XXXX XXXXXXXX XXXX Opened XXXX {$570.00} XXXXXXXX XXXX XXXXXXXX Opened XXXX {$900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX