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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$14000.00} XXXX XXXX XXXXXXXX BALANCED {$1200.00} XXXX XXXX BALANCED {$3600.00} XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please review the attached files below, in the files it is listing the following accounts that is fraudulent and that hasnt been created by me. I am asking that you please remove these fraudulent accounts from my report immediately.
Product: Credit reporting or other personal consumer reports

I have repeatedly contacted your bureau regarding my identity theft status, but my concerns remain unresolved. Despite submitting the required FTC complaint, your bureau still reports these fraudulent accounts on my credit report. I have contacted the banks involved, submitted all necessary documents, and they have deleted the accounts from their records. 

Other credit bureaus have also removed these accounts following the FTC complaint. Therefore, I question the verification process your bureau used to continue reporting these fraudulent accounts. Once again, I am disputing the fraudulent information negatively affecting my credit file. 

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

I have several inquiries listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX REPORTED INFORMATION NOT MINE OR INACCURATE INFORMATION VIOLATIONS SEE ATTACHMENTS
Product: Credit card

I noticed on my credit report alerts from chase that someone opened XXXX  credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My XXXX credit report shows the following : XXXX XXXX  XXXX  balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX  XXXX XXXX XXXX  balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23 XXXX XXXX  shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX place a collection account from XXXX on my credit report I put in a dispute with Experian and let them know it was a case of fraud but they didn't remove the account. This account doesn't belong to me someone used my name without my permission.
Product: Credit reporting or other personal consumer reports

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from company information Equifax. Please delete the following accounts. 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not properly investigating my dispute. The account keeps being updated incorrectly. XXXX is clearly re-aging the account.It is reporting late payments after a charge off and not reporting the original creditor also.
Product: Student loan

Navient, responsible for servicing my Stafford student loan surprised bill me for a past due amount on my account for payment I submitted in the last month. I called the representative and they said this was for a missed payment several months back that their system now caught. This is very inappropriate as I always pay the amount shown due on their Web Portal. I was never given notice that I ever missed a payment. I feel completely at mercy to Navient with no recourse for their error.
Product: Credit reporting or other personal consumer reports

Unauthorized hard pull inquiry on my credit report. I have no knowledge nor did I consent to these hard inquiries on my updated credit report. 

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

I have been trying to get in contact with Experian for 3 years to get access to my membership so I can view my credit report and score. There is no one you can talk to over the phone they just refer you back to the app or website. When I click on forgot password or username it says that it sent an email to me, but I never received it. I need access to my information and I keep going in circles and never can speak to a live representative.
Product: Credit reporting or other personal consumer reports

I reported an inaccurate account to Experian multiple times. The account is not mine and is affecting my credit. XXXX investigation concluded that the account is mine, which is not true. I reported it a few different times with the same exact result each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  I was trying to do the loan modification with Selene finance. Instead of them doing the loan modification they switched me to a new loan servicing company. They have never fixed anything, I also requested them to fix this on my credit report. That I have a XXXX mortgage which is incorrect I've tried to contact them several times. To fix this and have had no results. They need to remove this from my consumer report, fix the modification. as of today, they are reporting negative information this has been going on for the last year and a half. I don't even have them currently doing business with XXXX. Thank you,
Product: Vehicle loan or lease

Ally Financial INC currently has an outstanding balance on my consumer reports listed at XXXX as of XX/XX/2024. My car note should have been paid off already, but they are insisting that I had numerous payment extensions along with a repossession fee of XXXX dollars. I can agree with the repossession fee of XXXX dollars because my car was repossessed, but I don't agree with the payment extensions. I requested twice for them to send me documentation supporting their claim, which they have failed to do both times. They are also reporting this account as ( CLOSED ) PAYS_AS_AGREES to XXXX, however the account remains open.
Product: Credit reporting or other personal consumer reports

The estate that I'm the authorized representative is a victim of fraud, identity theft, birthright theft, and XXXX XXXX. Around XX/XX/year> I received a foreign bill of attainder from XXXX XXXX acting as CEO XXXX XXXX XXXX. dba XXXX XXXX XXXX. I sent XXXX XXXX a dispute requesting the original wet-ink signature contract and all accounting bookkeeping records, what specie of payment. I never received any of the information, XXXX XXXX then contracted with XXXX XXXX XXXX XXXX XXXX to move forward with a non-judicial foreclosure and I'm now being harassed by XXXX XXXX dba XXXX XXXX. for the estate property.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt is not mine! They have yet to prove that this debt is mine but you still will not remove it
Product: Checking or savings account

Early in the morning on Friday XXXX the XXXX I was a victim of identity theft. 
My last 2 transactions were at XXXX am for XXXX at XXXX XXXX and one for XXXX dollars at a local chase branch at XXXX am. 
When I woke up at XXXX I realized my debit cards were missing so I checked my app and realized there were XXXX unauthorized transactions on my account for a total of XXXX dollars. 
Chase initially gave me a temporary credit, but as off a week ago they revoked my funds and stated that there was a discrepancy on my behalf that there was a charge after the time of my cards gone missing that I didnt dispute which is false because that transaction was done before my cards were nissing the transaction of XXXX was at XXXX am. 
XXXX is bullying me and refusing to answer my questions and stated that there disission is final. 
Yet they did not even do a thorough investigation because they didn't even verify the cameras. 
Chase is bullying me and is using me as a scapegoat. 
Here is my Police Report # XXXX Please help solve this terrible. situation. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX DL : XXXX Formal Complaint Regarding Unauthorized Access to Consumer Information To Whom It May Concern, I am writing to formally address a matter regarding inaccurate and unverifiable information on my credit report that XXXX has failed to correct or delete, in direct violation of the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, XXXX has a legal obligation under the FCRA to ensure the accuracy and integrity of the information it furnishes and to delete information that can not be verified. 
Despite my previous attempts to dispute this inaccurate information, XXXX has continued to report items that are detrimental to my credit standing. This failure to maintain accurate information has adversely affected my creditworthiness, resulting in both financial and reputational harm. 
Under Section 611 of the FCRA, XXXX is required to conduct a reasonable investigation when a consumer disputes information, including verifying the accuracy and validity of disputed items. If XXXX can not verify the accuracy of this information, it must be removed. Yet, my file continues to reflect information that remains unverified and inaccurate. 
To remedy this situation, I am requesting that XXXX : Verify The Asset Amount listed on my credit file. ( XXXX ) Immediately delete the inaccurate and unverifiable items on my credit report as required by law if not verified. 
Provide written confirmation that these items have been removed or corrected and if verified from where, along with an updated copy of my credit report ; Please treat this as a formal complaint, and consider it my final attempt to resolve this matter through administrative channels. Should this issue remain unresolved, I am prepared to pursue legal action to seek damages for XXXX failure to comply with the FCRA. 
I expect a prompt response outlining the actions XXXX will take to correct or delete the unverifiable information, along with assurances that such issues will not recur.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer report. There are several nonmailable addresses on my consumer report. My name is also misspelled. I have asked Experian to update my consumer report and they have failed to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

I received checks frim the IRS for my Company under the ERC act. The manager at the bank helped me open an account to deposit checks. This was on the XXXX of XXXX. 
The bank deposited the funds and then put a hold on them and transferred the monies to a holding account per the information received. This is a business in the name of XXXX XXXX XXXX XXXX not disclosing to me why? I went to the bank and the manager was surprised there was a hold on the account but could not get an explanation from anyone. I was referred to the fraud department and given a case number and email address. I received a letter on XX/XX/XXXX stating the the account was blocked due to suspicious activity. This is a business my husband and I have owned since 2001 and I changed the address to Florida as this is where we reside now. I had a professional company prepare the forms for the IRS and the bank has all the info in their possession. I had all the information with me when the manager helped me open the account or transferred the account to Florida. The original account in Michigan is not active any longer. There are 4 checks from the IRS direct to the company. They have held them for 44 days as of today they said they are waiting n the IRS without movement since XX/XX/XXXX.
Product: Mortgage

This is my 5th complaint lodged against this company. 

Based on my records I was not sent a Monthly Statement for loan ending # XXXX for the months of XXXX & XX/XX/2020. I dont want to hear excuses about their website and it being unavailable and either of my XXXX loan accounts reaching a status of 45 days past due or any similar XXXX like I got in their letter to me dated XX/XX/2020. If they can print a monthly statement for my other loan ending # XXXX and not miss sending me any months for that account they can XXXX well do the same for # XXXX. I want the actual & individual monthly statements and not compilations & I expect to see these statements for that account to continue being sent to me in a timely manner. There is no reason for these statements to not have been sent.
Product: Debt collection

As stated before the judge back in 2014, my only source of income has been SSI/SSDI. I have a permanent XXXX and have been on SSI/SSDI for over 10 years. I have not received any signed orders by a judge showing this debt has been extended passed the Utah state statute of limitations. Additionally you all are requesting employment information from DWS. And DWS I am on state XXXX as well and I am not employed. This judgment should have been vacated. Furthermore, your law firm has sent notices threatening documentation to obtain records of my income which is social security XXXX income which you do not have authority to retrieve these documents from the Social Security administration or through DWS. Your law firm has been aware that I am XXXX and my only source of income is SSI/SSDI yet continue to violate the law indirectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are incorrectly reporting to XXXX and Experian duplicate items in the amount of {$10000.00} on the XXXX account number XXXX and the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) This duplicate reporting of the same account is harming my credit score and is a violation of the Fair Credit Report Act. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

I was given a {$500.00} Amex giftcard but it doesn't work anywhere
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone Number : XXXX Employer : XXXX. XXXX XXXX Date : XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Paid Account under FCRA and TILA Account Name : XXXX, XXXX ( Revolving ) Account Number : [ Insert Account Number ] Balance : {$780.00} ( Paid in Full ) Dear Sir/Madam, I am writing to dispute the reporting of the above-referenced account on my credit reports across all major credit bureaus. The account with XXXX XXXX XXXX has been paid in full, yet the account is not being reported accurately by all bureaus, which is negatively affecting my credit profile. 

Legal Grounds for Dispute : Inaccurate Reporting - FCRA Violation ( 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and fair reporting of credit information. Despite this, the account with XXXX XXXX XXXX is still showing discrepancies across different credit bureaus. As the debt has been settled and there are inconsistencies in the reporting, this violates my rights under the FCRA, and I demand the account be removed or updated immediately. 

Creditor Definition - TILA Violation ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act ( TILA ), a " creditor '' is defined as an entity that extends consumer credit and to whom the debt is payable. Since XXXX XXXX XXXX is no longer a creditor in relation to this account and the balance has been fully paid, the account should either reflect its paid status or be removed entirely. 

Actions Requested : Immediate Investigation and Removal : I request an investigation into this account as per FCRA regulations. Given the inconsistencies and the fact that the debt has been paid in full, I am requesting the complete removal of the account from my credit reports across all bureaus. 

Correction or Deletion : If the inaccuracies can not be verified, I request that this account be deleted from my reports entirely or updated to reflect its " Paid in Full '' status across all bureaus. 

Written Confirmation : Please provide written confirmation that this account has been removed or updated across Experian, XXXX, and XXXX once the investigation is complete. 

I expect this matter to be resolved within the 30-day period as outlined under FCRA regulations . If no action is taken within this period, I will pursue further actions to enforce my rights under the law. 

Thank you for your attention to this matter. I look forward to your prompt response confirming the correction or removal of this account. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a letter from a collection company fall Collection Information Bureau , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. I recieved the letter on XX/XX/19 for a billl i was not aware of, because i already paid my hospital bill that for XXXX in full. The representative that i spoke with from XXXX XXXX XXXX , IXXXX goes by the name of XXXX, he said he didnt have an employee ID. He was really and extremely disrespectful put me on excessive hold without requests and not willing to negotiate or answer simple questions as little as did he purchase my debt. The actual worst representative ever spoken to. Really rude and actually hung up the phone in my face stating Ive been doing this for 30 years.
Product: Debt collection

Doctor bill submitted for collection, I then paid the debt directly to the doctor not the collection company. Collection company states I still owe the entire debt including interest they are charging based on the original amount.