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

I was finally able to get on XXXX XXXX and saw that my score was negative as I am beginning to buy a house. I see that a ton of loans were taken out in my name that were not mine. I have listed them below and on the police report. 

The accounts are : Someone stole my identity and opened the following accounts using my name. Please remove these. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see below that XXXX XXXX is stating that I opened an account on XX/XX/2019. I have never had an account with this company and I have had my information stolen and compromised in the past on the XXXX XXXX and had my wallet also stolen in the past with credit cards and my id. I do not owe this {$620.00}, it is not my bill. This account is not mine, and my name has been misspelled many times on my credit report. I know how to spell my own name and I have never, ever used a different spelling of my name when obtaining any service or credit. Neither of these company 's will respond to my messages to remove this off of my account. I have disputed this many times to get nothing done. This company can not hold me to this bill when this is not mine. This needs to be removed from my Credit Report. I am also contacting the XXXX  and the State of Florida Attorney Generals Office. This bill will not be paid, this is not mine and please remove it from all 3 Credit Reporting Agencies. 
Thank you. 

ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX DISPUTE REASON : Ownership This is not my account ; it belongs to a relative or person with similar name/address. 
CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX RESULT : Disputed information was verified as accurate XXXX  investigated your dispute but did not change your information. 
See your current report
Product: Credit reporting or other personal consumer reports

I have contacted all 3 Credit Reporting Agencies several times about the same thing over and over again. Each has told me they have fixed the issue or the information is valid. At this point, I am now seeking monetary relief. 

My personal information is wrong, XXXX and EXPERIAN are reporting non-mailable addresses. Only address should be listed, No other address. 

My DOB is reported wrong. 

The only variation of my name should be XXXX XXXX XXXX XXXX XXXX - payment history is incomplete and is reporting the wrong Date opened date and is only reporting to Experian. 

XXXX XXXX  - is reporting to all 3 CRAs and all the information for each is reporting incorrect information such as, Account Numbers, Monthly Payments, Date Opened, High Credit, Last Reported, Date Last Active, Date of Last Payment, also the Charge-off Date, XXXX reports 2 charge-off dates of XX/XX/2023 and XX/XX/2023 and Experian has a charge-off date of XX/XX/2023. Payment history is incomplete. 

XXXX XXXX I have disputed this information several times they have not shown any evidence or proof of this debt and XXXX and XXXX are reporting incorrect information like Date Opened, Last Reported, Date Last Active, Credit Limit , Past Due, Date of Last Payment XXXX XXXX - reporting incorrect information like Last Reported, Date Last Active, Balance, Credit Limit , Past Due, Date of Last Payment, Monthly Payment, Payment History incomplete INQUIRIES - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They have ignored the fact I am a victim of identity theft and have been trying to repair what has been affected. With this incorrect information being reported, I have not been able to do the simplest of things to ensure my familys well-being. I will also be filing another FTC report as well. 

I am more than willing to handle this matter in court.
Product: Debt collection

I have no knowledge of debt and gave m upon notification I have informed collector that account does not belong to me several times
Product: Debt collection

The company in question is known as ERC located at XXXX XXXX XXXX in XXXX Florida, XXXX. On XX/XX/2020 their office called my home phone ( XXXX ) XXXX. On the third occasion, I answered and they asked for a XXXX who does not nor has ever lived at my home in the 3 years I have had the phone number. I informed the caller that they had the wrong number and that XXXX never has, nor did I know the person they were calling for. On XX/XX/XXXX, I received several more calls and called ERC to speak to a supervisor. I informed them that they had the wrong number again and that I was to be removed from their call list immediately. I was assured that they were going to escalate the request and it would be done within 24 hours. Today, the company once again called my home and I have had enough.
Product: Credit reporting or other personal consumer reports

Inquiry - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to request the removal of hard inquiries from my credit report. As per the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports.

According to Penal Code 15 U.S. Code 1681s2, it is illegal for any entity to report inaccurate or unauthorized information on a consumer 's credit report. Hard inquiries that were not authorized by me or that are inaccurate should be promptly removed from my credit report. 

I have reviewed my credit report and have identified several hard inquiries that I did not authorize or that are inaccurate. I am requesting that these inquiries be investigated and removed from my credit report in accordance with the law. 

I am attaching copies of supporting documents, such as letters of authorization and correspondence with the entities that made the unauthorized inquiries, to support my request for removal. 

I kindly request that you investigate these inquiries and provide me with a written response detailing the actions taken to remove them from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Checking or savings account

Since CFPB was useless assisting in resolution last time... 
We will still try again... or perhaps XXXX is right in NO HELP from useless agency? 

Same issues have occurred multiple times to my accounts only, but NOT to my wife 's accounts at Ally.com ... WHY? 

CFPB needs to HELP... 
Do NOT have access again via Ally Bank to accounts or funds ... WHY? 

Could NOT pay bills or transfer funds... 
And it has happened on several occasions to my accounts but not spouse. Accounts..
Product: Credit reporting, credit repair services, or other personal consumer reports

I acknowledge that I am the individual making this complaint under my rights per federal law. *Not a credit repair company Equifax is involved in an egregious action action towards me. Violation federal law section 1681 of the FCRA rules. 

An account under the name ( XXXX XXXX XXXX XXXX ) original creditor : ( XXXX XXXX ) has appeared on my credit report for the 6th time this year XXXX. 

This account was added to my credit report in & around XX/XX/2020 without notice of reinserting 5 business prior as required by federal law. A violation of FCRA rules section 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my Equifax report that I never made. I need these removed I have tried several times to have them removed. I didn't inquire with these companies. 

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

Equifax has not cleared or updated my report for years. 
My closed accounts of over 10 ten years are still appearing on my credit report and have not dropped off as they should have. Additionally, I have soft credit inquiries from XXXX XXXX even though I don't own a vehicle and have never used them for an insurance company when I did own one. 
My employment information is completely wrong as they list me employed by XXXX XXXX XXXX which I haven't worked for since XXXX. And I was never employed by XXXX XXXX. He was never a sole proprietor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with police relating to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX 15 U.S.C 1681a : States I have the right to privacy. 
15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

NATIONAL CREDIT SYSTEMS is reporting an account to my consumer report causing defamation to my character. NATIONAL CREDIT SYSTEMS has identified XXXX XXXX as the supposed original creditor for this alleged debt. I contacted XXXX XXXX and they informed me that they filed a XXXX Cancelation of debt with the IRS for this account and the account has been paid. NATIONAL CREDIT SYSTEMS is attempting to collect the same amount XXXX XXXX wrote off with the IRS. This is tax fraud and I will report you to the IRS. The IRS defines a written off account as income and income is NOT reported on a consumer report. NATIONAL CREDIT SYSTEMS is attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivable Performance is reporting a fraudulent account on my credit. Upon contacting the company, I was informed that this account is linked to a different address. Please see the attached FTC report and my Driver License and remove this account from my credit. 
I decided to pay this account thinking that it will be removed from my credit but it is still continuing to report. Please eliminate this info from my credit.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I FOUND OUT LAST MONTH THAT A CREDIT CARD WAS TAKEN OUT IN MY NAME OF XXXX DOLLARS AT A DENTIST OFFICE IV NEVER BEEN TO. I DO KNOW THE PERSON WHO OPENED THIS CARD WITH MY SOCIAL SECUIRTY NUMBER. XXXX XXXX WHO ACTUALLY WAS MAKING A PAYMENT ON THIS CARD AT XXXX POINT STOPPED AND BECAUSE THE MAILING ADDRESS WAS UNDER HER MAILING ADDRESS I HAD NO IDEA THIS CARD WAS EVER EVEN OPENED UNTIL I CHECKED MY CREDIT SCORE AND SAW THIS WAS TAKEN OUT IN MY NAME WITH OUT ME APPROVING XXXX DOLLAR CREDIT CARD LIMIT. THIS WAS ON XX/XX/2019 2019
Product: Payday loan, title loan, personal loan, or advance loan

I called to request a loan for XXXX. I was told to come in office with proof of income, identification and etc. After giving these documents I was told that I didnt make enough money to get the loan. A few days later I was called and the lady told me she could get me approved for a cash loan of XXXX, but she would have to verify where I stayed and asked me to call my insurance company for proof of insurance of my car. Unsure of this I did it thinking it would approve my chances. Once everything was said and done I made a few payments and fail behind. Only to be threatened with my car be repossessed in which I wasnt informed that my car was being used for collateral on their website it does not state this and I applied for a personal loan not a car title loan. As of XX/XX/year> my credit report shows that is has been charged off in the amount of XXXX. How did a XXXX personal loan turn into XXXX? How was I even approved for a loan without meeting the income requirements? Why was I not told that my loan required a lein?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. I am disturbed to learn that I fell victim of identity theft. I have hard inquiries on my credit report that I didn't authorize. This has been affecting me as I am in the process of trying to buy a house for my family. Please remove the fraudulent hard inquiries below on my credit report as soon as possible. Thank you. 

XXXX recorded on XX/XX/XXXX XXXX XXXX  recorded on XX/XX/XXXX XXXX recorded on XX/XX/XXXX
Product: Debt collection

Hello My name is XXXX XXXX In 2010 I had financial problems due to the financing crisis. 

At that time I paid off all my debts, even selling my car. because I understand that it is the right thing to do. 

I had to pay my debts, not bankruptcy. 

10 years have passed and one of the banks that I paid, Bank of America, tells me that I have a debt with them.

I told him no because I had settled it that they made a mistake. The answer I quote " we don't make mistakes. '' My response was I will call my bank so they can give me a copy of the check. To my surprise, my XXXX XXXX  tells me that they only keep checks for ten years.

Bank of America deliberately waited for ten knowing that I would not be able to get proof of payment.

But he spent 10 years without charging interest or trying to collect the debt. It wasn't a mistake, it was deliberate.

I am starting a company, based on an application to help people with food and this application is an online supermarket, due to this condition it has been impossible for me to obtain financing. Despite having made the application. 

Because of this impossibility, I looked for a job in a company, now they take part of my salary. 

I want help to carry out an investigation in New Jersey, it is a business model that there are more people in the same situation. 

Furthermore they did not pay taxes on the money they received from us and perhaps forcing their clients not to pay taxes either. 


Thank you, waiting for your cooperation and help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts on my credit report that are not mine they have not been approved signed used by me this is a case of identity theft and I have been trying to get thru to the bureaus regarding this but after multiple letters that have been going out since XXXX of this year nothing is being done about this. I need some assistance Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX bankruptcy on my Experian an XXXX XXXX credit report but not on my XXXX report an I have disputed this information several times we these two burials an I have been going back an fort with each credit bureau an no results an has stop me from getting the credit i Need.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX submitted fraudulent information to the credit bureau
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase and I sold some cryptocurrency before XX/XX/XXXX and then converted all of it to US dollars within their Coinbase wallet. Attempted to cash out my funds which our consumer agreement allows, but their system would not allow me to do it, I contacted them by phone and they inform me it was a glitch in their computer system, and they would resolve it. It has been more than a week and theyre still holding my money and not providing me a check, and EFT XXXX or any other way to access my money. I feel like they have in essence stolen my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. XXXX   and Experian both sent me results without documentation saying that the accounts meet FCRA requirements. XXXX sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.
Product: Student loan

I ran into an issue with Navient a number of times over the years. I wish back then when I initially got the loans that I was educated on what the loans entailed, interest rates, re-payment plans, forbearance etc. As a young college student, I was not aware that my interest rates were variable - up to 10 % on one loan, and I would be harassed up to 15 calls per day to make payments if I could afford it or not. I went through a full scale of my bills and current salary and now they want pay stubs from me and my co signer. They told me what my disposable income was, it was XXXX to be exact. Do they understand through a full month where the rest of that can do to survive? They do n't, they just want their money. Because I was unemployed briefly I am trying to get a second job just to pay other bills as well. I feel the loans were predatory to the uneducated - there was little care about educating the masses taking out private loans.
Product: Student loan

XXXX XXXX I was asked about my email, I then confirmed it after that I got an email saying with a pin that they said they needed to access my account after giving it to them I then got an email saying my password had been changed. After getting into my student account they had access to all of my information when they then verified all of my information with me. They then had me set up payment plans and got my debt card number. They then set up a payment for today of $ XXXX.They sent me emails of things to sign I did and then I got another email about forwarding my last two pay stubs to them to show my income to determine my average on what my loan payment would be. I sent them.