23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. EQUIFAX MTG on XX/XX/XXXX ( Reported Identity Theft ) 10. EQUIFAX MORTGAGE SERVI on XX/XX/XXXX ( Reported Identity Theft ) 11. EMS on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Pursuant to 18 USC 8, owe no debt. This company is violating my consumers right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Debt collection

Citizens banks claims The debt of XXXX from 2007 stills provides false information to the credit by providing payments in ever made to them. Due to the information being provided the credits company continue to undate this information is he during menform buying a house or keep my Clearance with the government.
Product: Checking or savings account

My chase account went negative and as soon as I saw it, I deposited the needed amount to cover the fees. But the cash deposit didn't post until the next day, I fot charged over {$90.00}!!! In fees! Now I'm at over {$120.00} negative! Even though I paid the negative balance the same day it went negative.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I have late missed/late payments on my credit report from XXXX, XXXX, and XXXX of 2018 that were reported by Selene Finance. I have NEVER once been late or missed a payment. I have contacted Selene Finance by phone, certified letter via USPS, and email to get this issue resolved, yet my problem remains. I initially contacted them in XXXX of this year in attempt to get them to correct the issue. These late payments are hurting my credit worthiness in a drastic manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card opened with XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ), an auto loan opened with XXXX XXXX on XX/XX/XXXX account number XXXX, an auto loan opened with XXXX XXXX  on XX/XX/XXXX account number XXXX, a collection account with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Account Number XXXX, a collection account with XXXXXXXX XXXX on XX/XX/XXXX Account Number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints ( XXXX ) ( XXXX ) and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXXXXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$XXXX} for each incorrect entry on my credit file.
Product: Debt collection

In accordance with the fair credit reporting act XXXX XXXX -GM Finnancial XXXX -XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately. 
XXXX : The account was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 
XXXX XXXXXXXX : This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to compliance and consumer protection. 
XXXX XXXX  XXXX. : This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters. 
XXXX  : I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. 
XXXX : The account mentioned has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately.
Product: Credit card or prepaid card

I filed a complaint on XXXX  and Capital One. My card was closed for no reason. When I called and spoke with XXXX  (  XXXX )  He advised that on my prior complaint to them that I reported it wasn't my account. I never said that, what was said was that my account needed updated to {$24.00} and I needed removed from an authroized user on account ending in XXXX. Capital One said to submit the fraud paperwork and I did that, but haven't spoken with someone since. When I called Capital One and spoke with XXXX she advised that XXXX  would need to open my account back up. I have all complaints/documents for all of this mess. It's ridicoulous that I have call and write so many times. XXXX  couldn't have closed my account with Capital One and it was never reported to any one that it was a fraud account. Capital One couldn't provide what credit bureau reported it as fraud. 

This is what I reported- I contacted Capital One to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One Capital One credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.
Product: Credit reporting or other personal consumer reports

Re : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error Upon conducting a recent examination of my credit history. I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The cruditor 's inability to truthfully depict an obligation payment or credit that was givor to the debtor on a statement ( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Ugan conducting a recent examination of my credit report, 1 discovered a substantial amount of discrepancies Based on my understanding. the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments an this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident billing error.
Product: Credit reporting or other personal consumer reports

EQUIFAX CREDIT COMPANY IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE I HAVE NOTIFIED THEM OF THE FRAUD ON XX/XX/XXXX, AND XX/XX/XXXX AND THE FRAUDULENT ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT AS OF TODAY XX/XX/XXXX. I AM A VICTIM OF ID THEFT FROM EQUIFAX DATA BREANCH
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Debt collection

Received a collection letter from   XXXX   XXXX   stating I owe  XXXX   XXXX  a balance of {$1200.00}. I only have  XXXX  accounts with   XXXX    XXXX  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account and inquiries. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft.
Product: Debt collection

I had a roommate who assumingly opened a XXXX XXXX card in my name around XXXX or XXXX. I fought back and forth with XXXX XXXX and the debt collector for years, saying that I was not responsible for this as it was not my card. 

On XX/XX/XXXX, Portfolio Recovery called me and offered me the amount from $ XXXX to {$220.00} and this was to be considered closed. I asked multiple times if this would close it and that they would stop the many, many calls a day per week. Her response was yes. I paid it and have the receipt. Now on XX/XX/XXXX, they called and said that I still owe a balance of the same amount that the first payment was just a payment. I said no and that this was considered paid in full. I was told several times on a recorded call that this was considered paid in full and no other calls or attempts to collect would be done. These debt collectors are relentless and call multiple times a day all hours of the day. You can speak to them on one day and they call the next. 

This debt is now well over 10 years old so it should not be an issue nor should I be threatened to make the payment that this was still owed.

It was paid and removed from my credit, which they would be the only ones to do this so if it was not paid why was it removed 9 months ago? Why would I have to pay for something I never opened... ..but I still did to get them to stop calling!!!!! 

I am not paying them anymore money. It was considered paid in full from the offer that was made and I want a copy of the call that was made to me in XX/XX/XXXX when the {$220.00} was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXXXXXX XXXX # XXXX 2.XXXX XXXX XXXX/ # XXXX XXXX. XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX  XXXX5 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.

15 U.S.C 1681 Section 602 A states that I have the right to privacy I would also like all addresses and employment removed with the exception of XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy as outlined in 15 USC 1681a ( 4 ). This dispute is directly by me, XXXX XXXX XXXX, and not by any third-party agency. I am addressing this matter to resolve the inaccuracies on my credit report privately and promptly. Upon reviewing my credit report, I identified an account that must be immediately deleted due to its inaccuracy. The account in question is XXXX XXXX, XXXX, with a date opened of XX/XX/year>. Experian has violated my consumer rights under 15 USC 1681b ( 2 ), which governs the permissible purposes of consumer reports. The law clearly states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. At no point did I provide written authorization or instructions for this information to be reported. By reporting this account, your agency has violated federal law, including the FCRA. Additionally, your agencys actions constitute aggravated identity theft, which has caused me significant emotional and reputational harm. This false reporting has defamed my character and directly impacted my ability to secure a mortgage, leaving my family in a dire financial situation.
Product: Debt collection

On XXXX XXXX  US Auto Sales filed bankruptcy and closed their doors, as results of this my private financial information was not appropriately transferred to a financial company it was sent to Westlake Portfolio Managment which is a debt collector. I filed a civil lawsuit against US Auto Sales for breach of contract. While my case was in default Westlake portfolio wrongfully repossessed my vehicle and refuses to return my vehicle via court ordered and refused to pay me my deemed monies in the amount of XXXX ordered by the court as well. My civil case was granted and closed. Every time I would be put on hold for long periods and the call would be disconnected shortly after. Westlakes Attorney XXXX XXXX XXXX with XXXX XXXX and XXXX XXXXXXXX XXXX Located in XXXX FL which is the same attorney for US Auto sales filed a motion to vacate/ set aside my default judgement on my court case due to bankruptcy which is not the only violation the broke. My car was in default from the day of purchase. Westlake has continuously harassed me, cause me mental stress and put a financial burden on me due to taking my vehicle and violate many laws. They need to be shut down and investigated immediately.
Product: Bank account or service

On XXXX my husband received a notice that we needed to call Capital One 360 due to some questions about recent activity. Since it is a joint account I called support who, after a 45 minute wait, indicated that an unauthorized person had logged into my husband 's account. As directed by support, my husband ran a Spyware scan and verified that his computer was not infected with spyware and sent the scan to their fraud department. Two days later when the joint account was still locked my husband called to have the account released. He was unable to reach anyone in the fraud department and was told he would receive a call back within 24 business hours. It has now been over a week and still no call back. 

I have attempted to transfer money from the joint account and Capital One 360 is preventing access to my funds until their fraud department talks to my husband. However, after over a week my husband can not gain access to anyone in their fraud department. 

It is a joint account and I am being prevented from accessing my funds. 

It has been over a week and we are unable to reach anyone who will release our funds.
Product: Credit card or prepaid card

on or about XXXX XXXX i purchased product online and unknowingly signed up for card. I paid for purchase but Chase card co. charged me XXXX bucks and now plus fees and interest, I AM NOT PAYING IT and I have told them so, I have cut up the card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I did not give consent for the loan from synchrony bank that was given to a company called XXXXXXXX to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.
Product: Credit reporting or other personal consumer reports

Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursaunt 15 USC 1692 ( C ) ( c ) I recently received communication from XXXX XXXX XXXX attempting to collect the above-listed alleged debt. XXXX XXXX XXXX initial communication to me in attempt to collect the alleged debt was within 30 days ago. XXXX : XXXX : XXXXTransunion : XXXX Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I requested verification of the alleged debt, specifically, a copy of a contract or agreement which was never provided as requested.