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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Pennsylvania [ XXXX ] To Whom It May Concern, This letter is to inform you of negative and outdated reports on my credit report and for you to update my personal information, effective immediately upon receipt of this notice. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under Title 15 U.S. Code 1681e which speaks about Compliance procedures, specifically for Identity and purposes of credit users, every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please update my name, address and contact info as well to : PERSON - XXXX XXXX XXXX XXXX DATE OF BIRTH - XX/XX/1988 MAILING ADDRESS XXXX XXXX XXXX, XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Update my personal information as I reported it so my Credit Report stays consistent with my information and remains in honor therefore I wont be subject to frivolous inconvenience. Any item older than ( 30 ) Thirty days please remove and update as well. Pursuant to 15 U.S. Code 1681c, Requirements relating to information contained in consumer reports, that item must be deleted from the report as soon as possible. 

Any other information other than whats been provided above is entirely inaccurate and as such represents a very serious error in your reporting. Please delete this misleading and outdated information and supply a corrected credit profile to all creditors who have received a copy within the last three months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under Federal Laws, you have ( 30 ) Thirty days to oblige this notice. 

Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that I didnt do or have any knowledge of could you please delete this from my account. 


EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, transworld systems incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed a CFPB Complaint # XXXX against XXXX XXXX for Account XXXX in regards to the reporting of inaccurate information concerning : a ) an outstanding balance and b ) account reporting as charge off account. A payment was made to the original creditor XXXX before merging with XXXX XXXX. Some how that last payment has vanished and now XXXX is stating that they transferred the account to Resurgent Capital Services, LP. The problem with that is my credit report only shows XXXX as the company that has reported or reporting on this account. XXXX XXXX seems to have made no effort to investigate before responding to the CFPB Complaint which is discouraging. The payment was made while the XXXX merger so its on XXXX to fix this issue that is harming my credit scores with inaccurate account information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/year> Fair Debt Collection Practices Act ( FDCPA ) Dear Sir/Madam : I am writing to file a complaint against XXXX Collection for XXXX my rights as a consumer under the FDCPA. Below are the details of the situation : - The debt of {$53000.00} they have charged me is not mine and is in the name of XXXX XXXX. 
- I have requested that XXXX XXXX remove the debt from my account, but they have not responded. 
- I believe XXXX XXXX has violated my rights by : - Charging a debt that is not mine. 
- Failing to investigate the dispute of the debt. 
- Failing to provide clear information about the debt. 

I request that you take action to investigate and resolve this situation. Thank you for your attention to this matter. 

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

I currently have a XXXX XXXX XXXX XXXX with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( Experian, XXXX, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint XXXX This is stil a hard inquiry on my credit report and the Company agreed to take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car was Stolen by Chase ON XX/XX/23 and I contacted them to request the vehicle to be returned back to me same day. I am the rightful owner of the car, I provided Chase with my proof of ownership original title that shows me as the only owner of my vehicle which is VIN Number XXXX MY TITLE 15 RIGHTS IS BEING VIOLATED AS A CONSUMER I SPOKE WITH SEVERAL PEOPLE FROM CHASE AND MY CAR STILL HAVENT BEEN RETURNED I DO NOT HAVE AN ACCOUNT WITH CHASE NOR DO I HAVE A AUTO LOAN, MY CAR SHOULDN'T HAVE NEVER BEEN TAKEN BY A TOW TRUCK, ANY DAMAGE CHASE WILL BE RESPONSIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX. XXXX, XXXX : Account number : XXXX XXXX  XXXX : Account number : XXXX, XXXX XXXX XXXX  : Account number : XXXX, XXXX : Account number : XXXX, XXXX  : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 

Remove the account XXXX XXXX number XXXX i did not give consent or permission to furnish this on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my credit report to Transunion. I have tirelessly contacted them directly many times regarding this unverified debt. I have requested an internal investigation into a {$2000.00} debt that is being reported. Upon doing so, I contacted the XXXX XXXX Apartments and they are not able to share any information they have on the debt. I spoke to the XXXX on the week of XX/XX/2019 and she was not able to find my name under this debt or the apartment number it claims to be under. XXXX XXXX XXXX is aware of this problem and is unrelenting in removing this debt from the credit report. Transunion is the only credit company currently reporting it, but is also unable to find further information and details regarding the debt, even after the investigation period. This charge has stayed on my credit report and continues to harm my score through Transunion. The apartments and credit company have requested information I do not have to investigate properly. XXXX XXXX XXXX has not been able to prove my debt due to insufficient information on the case.
Product: Credit reporting or other personal consumer reports

I have explained on numerous occasions that I never lived at the address being furnished by XXXX Co XXXX. And that the account belong to someone else. I have disputed on numerous occasions for them to investigate, and to delete the account as it is very damaging to my reputation and credit profile. This is a willful violation of the FCRA laws put in place to protect the consumer.Failing to investigate the accuracy, upon the demand of the consumer. Can I see for damages as this is causing grave stress?
Product: Debt collection

This is not my account. The date opened, the date of last reported, and the date of last active are inaccurate!!! You even fail to validate this account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT, TOO MANY INCORRECT LATE PAYMENT, DIFFERENCE NAME, ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME APPEARED ON MY EXPERIAN CREDIT REPORT.
Product: Debt collection

Re : Account Number : XXXX To Whom It May Concern : I am writing in response to your letter dated XX/XX/2024 regarding the above-referenced account. I want to make it unequivocally clear that this account does not belong to me. I have never opened an account with XXXX XXXX XXXX, XXXX, nor have I ever acknowledged or made any payments associated with this account. 

While I acknowledge that you sent me a copy of a bill with my address, I must emphasize that this is insufficient to validate that this debt is mine. Simply having my address on a bill does not prove any connection or liability on my part. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt. Your letter fails to provide sufficient evidence to validate this debt as mine. You have not provided any documentation linking me to the original creditor or any agreement I may have made with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX KEEPS PUTTING " FAKE, FRAUDULENT AND INCORRECT '' STATEMENTS ON ACCOUNTS THAT ON ARE ON MY CREDIT REPORT AND I AM SICK AND TIRED OF THEM DOING THIS. BY THEM PUTTING THESE STATEMENTS ON MY CREDIT REPORT WITHOUT MY PERMISSION THEY ARE IN VIOLATION OF THE FCRA AND ARE HARMING MY ABILITY TO GET A MORTGAGE. 

THE FOLLOWING STATEMENT " CONSUMER DISPUTES-REINVIESTIGATION IN PROCESS, CONSUMER DISAGREES '' ARE ILLEGAL STATEMENTS ON THE FOLLOWING CLOSED ACCOUNTS. 

1. XXXX 2. XXXX XXXX 3.XXXX 4. XXXX 5.XXXX XXXX ACCOUNTS 6. XXXX CARD I HAVE NEVER DISPUTED THESE ACCOUNTS AS THEY ARE CLOSED AT MY REQUEST AND HAVE POSITIVE PAYMENTS BEING MADE. WHY WOULD I DISPUTE THEM. I BELIEVE XXXX HAS PUT THESE ILLEGAL STATEMENTS ON MY FILE TO HARM ME DUE TO OTHER COMPLAINTS THAT I HAVE SUBMITTED IN THE PAST. 

EXPERIAN HAS DONE THE SAME THING TO THE XXXX XXXX ACCOUNTS THAT ARE BEING REPORTED. I DEMAND THEIR NEGATIVE STATEMENT BE REMOVED.
Product: Debt collection

THE DEBIT COLLECTOR HAS BEEN NOTIFIED SEVERAL TIMES THAT I DO NOT OWE FOR THIS DEBIT AND THAT IT HAS BEEN PAID OFF. INSTEAD, THEY CHOOSE TO IGNORE THE FACTS AND REPORT TO XXXX THAT I STILL OWE THE DEBIT. THIS SITUATION WAS ALSO DEALT WITH EARLIER THROUGH THE XXXX AND THE SETTLEMENT THAT THE DEBIT COLLECTOR WOULD HALT ALL ATTEMPTS TO COLLECT AN INVALID ACCOUNT AND REMOVE ALL INFORMATION FROM THE CREDIT BUREAUS. I WAS ALSO NOTIFIED BY THE BUSINESS OFFICE OF THE PHYSICIAN THROUGH THE DEBIT COLLECTOR THAT THE ACCOUNT WAS WIPED CLEAN AND NO DOLLAR AMOUNT WAS OWED. SINCE I HAVE BEEN CALLED BY THIS COLLECTOR AND THE PHYSICIAN 'S BUSINESS OFFICE SEVERAL TIMES.
Product: Credit card or prepaid card

I transferred my services from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 to XXXX XXXX . The agents from both companies were on the line as well as myself when it was confirmed that my account was closed and number ported to new carrier. The next couple of days I get a charge for monthly bill from XXXX XXXX on XX/XX/2023 on a closed account. For the last couple of weeks I have had claim after claim denied for funds to be returned to card. Boost mobile claims even thought the account was closed and disconnected from their server that Autopay was still pulling funds. On XX/XX/2023 they removed autopay but account was still closed. Boost mobile claims they have no way to refund me the money do to the account no longer being active. Yet it was active to take it but not active to give it back. Every agent of XXXX XXXX had no way of helping me since I am no longer a customer. The Wireless company has advised me to go through Bank connected to card, Which is Cash App/XXXX XXXX XXXXXXXX XXXX XXXX  . I have been around the sun and back about this dispute, my funds are suppose to be secured through the above banks because I have a their debit card. As of XX/XX/2023, I have put in another dispute, and if Cash App actually researchers the transaction they would probably find out what I have within these past 3weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Original Creditor Name IC SYSTEMS is incorrect as I have never signed an application with any company named IC Systems, There was an account I paid off that was a XXXX account it was posted on the XXXX account as XXXX and then as XXXX/XXXX/XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to XXXX Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.
Product: Credit card or prepaid card

We were given a Vanilla brand Gift card with {$500.00} on it. I activated it on the XX/XX/XXXX. We attempted to use on the XXXX of XX/XX/XXXX, and discovered it did not work. I checked the balance and found that XXXX charges on the XX/XX/XXXX XXXX for {$300.00} and XXXX for {$200.00} to XXXX XXXX # XXXX at XXXX and XXXX. I called Incomm the card issuing company on the XX/XX/XXXX. They said they would investigate. I discovered an email request for a written request form. I submitted it on XX/XX/XXXX. They replied with an acknowledgement on XX/XX/XXXX stating they had received it and would resolve it in XXXX days or less. They have not responded via the email address they gave me to use to communicate with them. XXXX emails sent on XX/XX/XXXX, XX/XX/XXXX and again today on XX/XX/XXXX. I called them on XX/XX/XXXX and XX/XX/XXXX, they have not provided me with a resolution and stated that I should call back in XXXX to XXXX hours. They are delaying and not responding to this fraud on their card. Is this endemic to this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS INCORRECTLY REPORTING ME AS DECEASED IN MY CREDIT FILES. I AM NOT DEAD. I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND PROVIDED THEM WITH PROOF AND THEY ARE NOT CORRECTING THE INCORRECT REPORTING. EQUIFAX IS COMMITTIMG A FRAUD ON ME AND REPORTING ME AS DEAD WHEN I AM CLEARLY NOT DEAD IS A FEDERAL CRIME. I HAVE ALSO CONTACTED MY STATES ATTORNEY GENERAL AND TALKING TO A LAWYER TO FILE A LAWSUIT FOR FRAUDULENTLY REPORTING ME AS AS A DEAD MAN WHEN CLEARLY BASED ON THE EVIDENCE THAT I PROVIDED I AM ALIVE.BASED ON THE FRAUDULENT INFORMATION PROVIDED BY EQUIFAX I AM UNABLE TO GET A CAR OR A HOUSE AND LIVE MY LIFE BY CLEARLY BEING NOT DECEASED. 
PLEASE DO YOUR JOB AND FIX MY CREDIT FILE.
Product: Checking or savings account

On XXXX XXXX, 2021 my identity was stolen at work. The criminal used my XXXX  to open many credit cards and loans. I just found out that this TD bank account existed. My address has been XXXX XXXX XXXX and never changed. They are using a trap house for mail. Please close this.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused XXXX  XXXX  for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.