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

the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAP1XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax- Mailed letter on XX/XX/21, XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX  XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK is unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all XXXX Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Violation of The GLBA ( Gramm-Leach-Bliley Act )
Product: Credit reporting

my identity was stolen, i informed the XXXX XXXX XXXX, but they insisted i paid off the balance and they would remove it from my credit report, i t turns out i paid and they refused to remove it.. i should not be asked to pay for something i am not responsible. i was intimidated and put under pressure to pay this off but i am not responsible
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my GROWCREDIT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00}, XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Social Security # 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 

The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

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

There is another person by the name of XXXX XXXX same birthday XX/XX/1990 and every time an employer runs my background check her profile and criminal record shows up like its mine she live in Florida in XXXX XXXX and I currently reside in XXXX county I lived in Florida but never in XXXX and in XXXX XXXX and I once was arrested for a fugitive warrant for this individual and it was dismissed because they saw it was the wrong person.
Product: Credit reporting or other personal consumer reports

Report XXXX XXXX Date Generated XX/XX/XXXX Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$2100.00} Terms - On record until XX/XX/XXXX Dispute hasn't been resolved with no explanation
Product: Student loan

I have a private loan through Navient which they took from XXXX XXXX. I finished XXXX XXXX in XXXX and was told I had already used my deferment, though I was not aware of this, and no one was able to tell me when I had used it or give me details regarding it 's use. They simply stated " it had been used '' and refused to provide further detail. Because of this, when I was unemployed and trying to get a job ( waiting on paperwork from the Board of Counselor 's to come through ), I was missing payments. I called as well as answered when they called, several times and asked if there was any deferment or forbearance or anything available and was told there was not. I was yelled at by the employees of Navient multiple times, interrupted while speaking and then at another time essentially told they could n't do anything so I should simply cease to answer the phone. I finally called the main office and reached my " case manager '' and was told if I made a payment that month my account would not be sent to collections and we could start on a manageable payment plan the following month. I paid the requested amount, and a week later was receiving calls again ( the month had not changed ) stating that the previous amount " simply brought [ me ] current '' but that I needed to make an additional payment. I expressed that I was informed by my case manager of the amount required and that I had already paid that, to which the response was that it was not enough. I called the following month to set up the payment plan and was given an amount that was not " manageable '' as I had previously been told. I was informed this was my only option without a credit check, review of my finances, and review of my co-signer 's finances. I informed my case manager that I would speak with my co-signer and we would determine our next step. She then called another individual, who was NOT my co-signer, but simply a reference on the loan, and left a voicemail speaking about my private loan information with someone who was not on the loan. I have a copy of this voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX {$57000.00} XXXX XXXX XXXX {$800.00} XXXX/XXXX XXXX XXXX  ( XXXX ) {$0.00} XXXX ( XXXX ) {$0.00}
Product: Student loan

My loans for XXXX XXXX should be fully discharged. My Borrowers Defense Application for XXXX XXXX is still showing as pending on the Federal Student Aid website since XX/XX/XXXX, when it should say that it's XXXX. XXXX XXXX loans were being fully group XXXX as XXXX of year XXXX. Why hasn't my XXXX XXXX loans been fully XXXX with it now being XXXX of year XXXX? Why hasn't Mohela been notified by the XXXX XXXX XXXX XXXX to fully discharge my loans?
Product: Debt collection

In XX/XX/2017, Tek-Collect placed a collection on behalf of XXXX XXXX XXXX to the credit reporting agencies. Per requirements Tek-Collect never sent a written notice. In addition, I noticed they recently ( within the last 2 weeks ) reported the collection to XXXX and XXXX. 

Would appreciate you help in this matter. Sincerely, XXXX XXXX XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
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- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
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 XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX 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. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card or prepaid card

We bought an Incomm Vanilla Visa card on XX/XX/ from the XXXX XXXX XXXX. We added {$450.00} to it. Upon opening the wrapped paper made visa card, the adhesive material that held the financial information regarding the card to the card pulled off 2 digits from the card number, rendering the card unreadable and useless. XXXX would not replace the card and cancel the damaged card. I called Incomm Customer service who asked me to send required documents to their email address so they could investigate and replace my card. I was told this process could take 30 days.

I have kept very meticulous documentation regarding the times that I reached out to customer service for 2 months now, showing that they had me on hold for 30 minutes to over an hour on one occassion. 
I finally received the replacement card almost two months after I filed the complaint, and when I checked the balance on the card, the {$450.00} was missing. The balance was XXXX dollars and XXXX cents. I have a snapshot of the online transactions showing that customer service removed {$450.00}. But did not return it to my new card. 
Customer service has acknowledged that they made a mistake and told me to give them " 24 to 48 hours '' to return the money to my card, as they had " escalated '' my complaint, and I was told they would automatically deposit it onto the card. Now that was a week ago. They " escalated '' it twice this week and I have heard NOTHING from them. They have not called me, they have not emailed me nor texted me regarding this complaint since XX/XX/XXXX, when they contacted me to say that they were " missing a needed document '' Which had already been sent to them in the first initial email. However, I resent the whole entire email including all of the documents. 
I have discovered that there is another class action lawsuit regarding Incomm Vanilla Visa, for multiple complaints like this. The 2nd one in 3 years. This sounds too convenient and I feel this should all be investigated. I will not settle for a fraction of what we applied to this card. I want every dime back.
Product: Debt collection

Midland Funding LLC tried to sue us in court for a credit card debt that was out of the Statutes of Limitations. WE responded with this information in the clerk of courts. Midland filed to have it taken to court any. We had to attend court with a judge that preached to me and my wife that you need to be a lawyer to address the court After I stated that the Statutes were out. He would n't let me say anything else. We went to the clerks office and once again filed that the statues were out. Finally Midland had a dismissal without prejudice entered. I we had n't known to state the statues at the clerks office, We would have had a judgement against us that should have not happened anyway, like others we have with nasty midland crooks.
Product: Debt collection

At the time services were rendered I was notified by the nurse that I did not have a co-payment for urgent care services. After checking my insurance she indicated that she was unsure and if I was ok with at least paying {$50.00} to cover it just in case but that no other fees would be associated with this. I never received a letter or bill from the urgent care facility nor did I receive anything from the financial debt collector. I called and spoke to XXXX at Sequoia financial and asked why I was placed into collections he indicated what the debt was for but had no paperwork or any evidence to support the claim. I still have not received anything. We exchanged words and I told him how the admitting nurse told me the {$50.00} co-pay was supposed to cover my visit yet he still was not able to provide additional information. A month or 2 passes and I get a prank phone call to my house from the police station indicating that someone was being held up in my house at gun point being robbed and locked in a closet. This happened on XX/XX/XXXX. The police responded to my home and I could see and hear someone who sounded like XXXX across the street in a black SUV which indicates to me he made the false claim. The police were unable to trace the call back to the originator as it was a masked phone number made from a computer. Not sure why a collection employee would perform such acts however this is still on my report and all other credit agencies have removed it except for XXXX because Seqouia indicated it is a valid debt. I can not be held responsible for charges I did n't approve or tell them to bill me for. I paid my co-payment in full at the time services were rendered and then received an erroneous collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I applied on line qith my current mortgage company for a 2nd home loan. I was denied. Immediately, after that I started getting calls from representatives from quicken loans but in a different department attempting to offer me a new FHA rate. I said no to at least 3 different people and I asked them to remove my information but that did not happen. So on XX/XX/2019. I receive a call from another quicken representative XXXX XXXX and I finally agree to listen to his sales pitch but it would have to wait until XXXX later that day because I was at work. I explained to XXXX that I did not want my credit ran a 2nd time because his company had just ran my credit 6 days ago and he should be able to use that. At XXXX XX/XX/XXXX I get a notification that a hard inquiry had been added on all 3 credit reports. Shortly after I get a call from XXXX. I advised XXXX that I did not authorize another inquiry and I am very upset by this. I asked them to contact the agencies and have the inquiry removed due to it was unauthorized and fraudulently pulled. Matter of fact it was done without me being on the phone. XXXX 's superior was listening in and took over the call. He argued me down that this would not impact my credit. I advised him I dont care I want it removed because it was done without my knowledge and consent. He continued to stress his point. I got no resolve from him. I need this inquiry removed from my credit report with all 3 credit bureaus
Product: Student loan

I do not have the funds to pay back the loans. I just have enough money to take care of my bills each month with little of nothing left over. I need help trying to take of this matter. Having my students loans forgiven would be something I would need.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was reporting to all credit agencies that I was over the credit limit. They updated only XXXX. Equifax and XXXX has not been updated.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2024 Dear EXPERIAN, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : XXXX Account number XXXX Party Owed : XXXX XXXX Amount : {$330.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$270.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$2200.00} Account number XXXX Party Owed : XXXX XXXX  Amount : {$520.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$200.00} Account number XXXX Party Owed : XXXX XXXX . 
Amount : {$230.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$160.00} Account number {$160.00} Party Owed : XXXX XXXX XXXX  XXXX Amount : {$260.00} Account number XXXX Party Owed : XXXX Amount : {$540.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account number XXXX Party Owed : XXXX XXXX  Amount : {$0.00} Account number XXXX Party Owed : XXXX XXXX XXXX Amount : {$230.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$500.00} Account number XXXX Party Owed : XXXX XXXX Amount : XXXX Account number XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT IT IS FRAUDULENT AND IM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following accounts : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : ORIGINAL CREDITOR Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXXXXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. None of these accounts were opened, made, or initiated by me. All of the aforementioned items are the result of identity theft and fraud. 

I have attached any relevant documentation, including proof of my identity and any evidence supporting my claims regarding the fraudulent accounts. 

Plaintiff Signature : XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX