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

Based on, 15 U.S. Code $ 1681c - 2 a consumer reporting agency shall block the reporting of any information in the the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 U.S Code 1681e ( b ) & 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 section 602A states I have rights to privacy Pursuant 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Product: Money transfer, virtual currency, or money service

I have tried to open up bank accounts with many banks so far and they keep closing my accounts saying they cant tell me the reason why? I dont know why this is happening. Im pretty sure some one has committed fraud on with my social security. I need help because I need a bank account.
Product: Debt collection

XX/XX/2021 - Alerted by Advance America that a {$1200.00} loan was taken out in my name. Says XX/XX/2021. Loan number : XXXX- XXXX, XXXX  - XXXX is the person at the store. 
- Corporate : XXXX The person was prosecuted for information theft by the XXXX Police Department. 
Now, XXXX XXXX XXXX is trying to collect from me, the party that had my identity stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please help me to resolve this matter. Just found out on my consumer file that Experian has furnished a Bankruptcy on my credit file. This was done without XXXX XXXX and has violated my right to privacy. I have contacted the XXXX XXXX and they have stated they did not share this information with Experian or XXXX XXXX the company Experian used to furnish the information, which was also done with out my permission. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called XXXX XXXX and Experian numerous times and emailed their CEO XXXX XXXX and XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that a had a lease and loan from XXXX that was paid off. I sent a notarized letter to transunion. I filed a complaint with XXXX XXXX. 
Transunion said they updated my credit reflecting that I had a paid off lease and car loan with XXXX They did not
Product: Credit reporting or other personal consumer reports

I HAVE A PROBLEM XXXX EQUIFAX REPORTING I HAVE A TWO CHARGED OFF ACCOUNTS XXXX XXXX  AND XXXX XXXX SO EQUIFAX IS REPORTING THEM AS LATE PAYMENTS INSTEAD OF CO OR CLOSED THEY WERE BEFORE NOW THEY ARE REPORTING LATE AGAIN AND ITS NOT RIGHT THE ACCOUNTS WERE CLOSED IN XX/XX/2021 I NEED THEM TO REPORT AS CLOSED OR CHARGED OFF LIKE THEY WERE BEFORE
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I have been incurring a Escrow/impound from the mortgage company for them not having my Master policy for my condominium on file. This has been addressed to them, they have received it and I am still being incurring the escrow fee.. After several calls and attempts and spending countless hours on the phone with multiple representatives, they still have not waived the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$3400.00} XXXX XXXX XXXX   {$990.00} I have called credit bureaus which did not help much.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the BK filing. It would be impossible to have a late payment reported the month following my bankruptcy as this violates the stay. 

This is being reported on my my Capitol one Cabela 's account as well as my Capitol One Walmart Account
Product: Debt collection

Vance Huffman LLC I contacted, and asked them to take action to get this COLLECTION removed from their records and to erase any record of the collection with all credit reporting agencies if they could not provide Documentation that I had to pay them. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done since it has not been done. Ive received documentation from this company with a letter from account whose name is NOT Vance and Huffman. They sent me a letter with a company name XXXX XXXX XXXX XXXX balance XXXX XXXX with a signature that is NOT MINE. How are you allow to falsely report something to my credit when I have no legal contract with you. This document Alone with only a signature is not enough to defame my name. I what this account removed and not associated with me. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Payday loan, title loan, or personal loan

Today on XX/XX/19 I was contacted by a loan company I never applied for. They knew all of my information prior so I assumed they were a legit lender that was in business with a company I had shared my information with. They deposited money in my account and I withdrew it and paid for gift cards that I had sent to him via phone pictures. It didnt hit me until he said Id not get my loan if I didnt do it again. I hung up and immediately called my bank. Its my fault legally and now being a XXXX year old thats only trying to build my credit the right way, Im going to lose XXXX dollars of my money this paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX, I sent a letter for an inaccurate account on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. They should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX-Late/Open Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing Experien, and noticed that they had false information about my credit history. I had previously attempted several times to get this corrected. They have an automated system which does not allow for proper explanations and they refused to take my complaint because it involves XXXX XXXX XXXX and they must have a special arrangement - Experien indicated that my unresolved complaint could not be filed because I had filed it previously, although it remains unresolved. 

Experien would not allow me to use the wording, which suggests that they manipulate complaints to the favor of those committing crimes and injustices. 

The Credit Bureau process itself is a bureaucratic process to eliminate complain ts into a void of criminal activity protected by bureauracracy.
Product: Credit card

On XX/XX/XXXX, my credit card statement was credited with an {$880.00} payment. I didn't recognize this payment. 
On XX/XX/XXXX, I contacted Capital One to alert them to this problem. I asked them where the payment came from, and Capital One told me that it came from a third party payer service and didn't have any further information. They assured me it was a legitimate payment and that I needed to take no action. 
Without any further contact on this issue, the company suddenly reversed this payment on XX/XX/XXXX, nearly XXXX months after I first contacted them. They did not warn me this was going to happen, nor did they make any explanation for this. When I called them, they insisted it had been an erroneous payment all along and had notified me that they were going to charge back the payment. 
They had not contacted me, nor had they sent a letter. They sent me a letter - dated XX/XX/XXXX - only after I contacted them to ask about the {$880.00} charge back. 
This was an accounting error on Capital One 's part, and when I first contacted me they assured me that the payment was legitimate and that I needed to take no action. 
I made a good faith effort to resolve the issue when it happened. To now suddenly be charged these funds, after being told they were a legitimate payment, is unfair and appears to be a violation of the XXXX.
Product: Debt collection

Unknown and unowned debt doing years of harm by this unknown creditor. Not sure where these debts are coming from but they are not mine. 
Several Merchant and Medical accounts that I have never heard of with various balances. See attached image.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries which I did not authorize. Inquiry Information : Inquiring Company XXXX XXXX XXXX Date of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted.
Product: Credit card

Unauthorized credit card charges were made on my discover credit card. I immediately called and reported the card lost and filed a police report. Discover is refusing to refund the unauthorized fraudulent credit card charges. 

This is the second time filing a complaint with CFPB. My credit card was lost/stolen on XX/XX/year>. Police report was filed and was sent to discover bank by U.S. Mail.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed in this report are not mine. I have never done any business with or heard of this company. XXXX XXXX or the medical account listen on my credit report. I have tried to resolve this with the credit bureaus. I demand immediate removal and accounts blocked from both of these accounts from ever reporting in the future or being sold to any other illegal third party. Also, the law states any medical debt reporting is a hippa violation and must be removed. I'm a victim of identity theft my personal information was stolen due to the XXXX and Transunion data breach as well as the XXXX. My information was also found on dark web names listed on my report and address, not mine. Failure to comply and remove these accounts will result in a lawsuit and XXXX per violation. I demand the removal of these accounts immediately as the law states all information must report accurately and truthfully. This is defamation of my character and has caused my score to drop demand removal and blockage. 
remove these accounts immediately. 
I have also attached an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Repair Info Police Report Hello as of XX/XX/XXXX I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT INQUIRIES IMMEDIATELY Factual Data XXXXXXXX XXXX Factual Data XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am the author of this complaint. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given the following companies listed below, whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the companies listed below to stop reporting and to delete this account from all consumer credit reports immediately. 

1. DEPT OF ED/XXXX XXXX XXXXXXXX XXXX. XXXX Please removed these non-mailable addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is inaccurately reporting information on my credit report. I filed a Dispute with XXXX XXXX XXXX  and they sent me a letter acknowledging that they dont have any account information but Experian has failed to delete the account and they updated it to a charge off- which is heavily affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy that is over 10 years old and every time I dispute it with equifax they deny it, saying the information is correct. Im fighting it should be removed because of the age. Anything over 10 years old should not be showing up on my credit report
Product: Debt collection

I started getting medical bills from XXXX Florida medical center. Which i have never been to any sort of medical center in florida. So i called the number on the bill and tried to explain it has to be a mistake. They did not offer to help at all said that it was me and i need to pay the bill. So I contacted the Hospital directly and explained it could n't have been me i was working at my job in Indiana. So they were helpful and told me i needed to prove it some how to clear things up. So i had sent a Picture of my I.D as well as a signature to the hospital. I received a phone call stating that there was a mix up at the hospital someone with the same name and birthday as me was there but they lived in Florida. I stopped getting bills from the hospital. But as of today i received a bill from Transworld Systems for a XXXX medical bill. I will provide any documents needed to get this resolved for good! Just do not want my credit impacted over bills that are not mine. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX 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  ; 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: Mortgage

I was trying refinance my home to lower my interest rate with Rocket mortgage/Quicken Loans.. I sent them everything they asked for. Then they asked for more paperwork which I sent if I had it. If there was something they asked for that I did not have I contacted them and explained why to which they said OK. Then they would ask for more information, again and again. The home is valued at over {>= $1,000,000}. The loan would be for about {$150000.00}. First they tried to force me into a VA loan for 15 years when I wanted a 10 year fixed interest loan. I supplied documentation stating I have ample funds with my additional accounts. I am XXXX XXXX XXXX and do not understand why I am not qualified for a loan. The last thing they asked for was the payment record for the lase 12 months on a second house I own in Arizona. I explained that I could not supply that as the house is free and clear.
Product: Debt collection

This is my 10th complaint that I am filing against EXPERIAN. There were six [ 6 ] deleted inquiries from my EXPERIAN credit report after my disputes and now EXPERIAN is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EXPERIAN is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EXPERIAN deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, EXPERIAN is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as EXPERIAN is liable by law to pay my invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  
FCRA Violation student loan payment never late
DEPT OF ED/XXXX

FCRA Violation auto loan payment never late
XXXX