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

I am writing to dispute the accuracy of information contained in my XXXX XXXX consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5900.00} XXXX XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX : {$8900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I was enrolled in school at XXXX  XXXX XXXX XXXX from XXXX. My loan through navient went in default as of XX/XX/year>, i sent in verifications a the school as well to support my claims. Navient subsequently sold my loans to ascendion. I spoke with both navient an ascendion to retract the information so it can be out of default so i can continue with school. Navient sent a letter a few days ago denying my request stated that the information i submitted wasnt from the school and etc. The schools financial aide XXXX is the XXXX who filled out and sent the information. Now Im not sure what else I can do. The XXXX loans that are the highest navient sold to ascendium
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I am unaware of. I tried to resolve the issue with the creditors but there was no resolution. 

XXXX XXXX ( 3 ) attempts XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( 2 ) attempts XX/XX/XXXX ( 1 ) attempt XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

1 5 U S C 1 6 8 1 S E C T I O N 6 0 2 S T A T E S I H A V E T H E R I G H T T O P R I V A C Y 1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A C C O U N T # XXXX XXXX XXXX XXXX XXXX, H A S V I O L A T E D M Y R I G H T S 1 5 U S C 1 6 8 1 S E C T I O N 6 0 2 S T A T E S I H A V E T H E R I G H T T O P R I V A C Y.

1 5 U S C 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2 : I T A L S O S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S 1 5 U S C 1 6 6 6 B : A C R E D I T O R M A Y N O T T R E A T P A Y M E N T O N A C R E D I T C A R D A C C O U N T U N D E R A N O P E N E N D C O N S U M E R C R E D I T P L A N A S L A T E F O R P U R P O S E S.
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of Trafficking that has resulted in Debt Bondage and affects my consumer report. 
As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that the credit bureaus are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have disputed with the credit bureaus about account XXXX # xxxxxxxxxxxx XXXX all 3 credit bureaus have different date of last payment, date of delinquency, payment history and one has no information this are all inaccurate reporting which is means for DELETION The FCRA requires consumer reporting agencies to maintain accurate and complete files. According the FCRA, you have a right to review your credit reports and have inaccurate, incorrect and corrected and DELETED The credit reporting agencies ( CRAs ) are responsible for investigating, correcting, and deleting incorrect information contained in your credit reports. The credit reporting agencies must report only accurate information. Inaccurate information must be corrected or deleted. The have been given several opportunities to fix the matter but they come back as accurate I would like for this information to be DELETED Please see attached pictures that indicated the inaccurate reporting They have also violated my rights under 15 U.S.C 1681 Section XXXX04 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Bank account or service

On XXXX/XXXX/XXXX I tried to deposit a check through the HSBC mobile app on my cellphone. I received a message that it was unable to process my request. I went directly to my local branch and I deposited the actual check. On XXXX/XXXX/XXXX I received a debit from my checking account basically noting an error occurred for a duplicate check deposit. ( Apparently the mobile check was processed ). On XXXX/XXXX/XXXX HSBC corrected the error and debited my account to correct the error. Now, here occurs the problem, on XXXX/XXXX/XXXX I received another message/debit stating the same error message I received back on XXXX/XXXX/XXXX referencing the duplicate check from XXXX/XXXX/XXXX was deposited twice and HSBC was debiting my account to correct the error. This error had already been corrected so I stopped in to the XXXX NY HSBC branch. A representative by the name of XXXX pulled up my account and said she did not see the error. She explained I must have shaken the phone to have made the duplicate deposit. I tried to explain the backstory, she did not listen and tried to say it was a User error. I tried to show her the transaction on my phone and point out the discrepancy but she simply said her computer did not reflect any errors. She said when she went to her " home '' branch on Monday she would look into further. XXXX/XXXX/XXXX Monday I received a call from XXXX saying she saw no discrepancies on her end. I asked to speak to her supervisor and she said she was the supervisor. I told her this is unacceptable becaus it clearly shows XXXX debits from my account. I went on to try and explain that only XXXX debit was needed to fix the error. We went back and fourth and finally I told her I would escalate this through corporate. I was not getting any assistance from her. I called HSBC XXXX and was told by the represenative on the phone she could see the error and she would process the request to have it resolved. However, based on the correspondence with " XXXX '' the XXXX NY branch service manager I would like to have this escalated to ensure it is properly corrected in a timely time frame. The contact I have for XXXX is XXXX. I feel it is necessary to point out that XXXX was very rude and condescending. I will be looking into switching banks based on her poor customer service and Unprofessional attitude in this matter.
Product: Credit reporting or other personal consumer reports

REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiries. I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter is appreciated. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting a repossession on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I initially purchased this vehicle and turned the vehicle back within the time frame allotted under the Lemon Law because the vehicle was defective. The mechanics at the dealership tried to fix the issues but were unsuccessful so I had no choice but to give the defective vehicle back. I no longer have the vehicle and this false reporting of a repossession is seriously harming my credit score. I have contacted XXXX XXXX  as well as the bureaus to remove this line item from my credit report however, I have not been successful.
Product: Debt collection

we moved out of an apartment, we were refused walk through and billed for damages without any kind of proof, they also said we did not pay a security deposit which we have a cancelled check proving we did
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not updated all my accounts,  XXXX   XXXX  has a balance of {$290.00} and has since been paid before due date of  XXXX / XXXX /   17  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.  XXXX   XXXX  confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report recently that a collection account was placed on my reports from a company trying to collect a debt for XXXX XXXX XXXX supposedly. I have not heard anything from the company or received any notification from them saying the account had been placed with them. I have no idea how to contact them or even try to pay them. I tried disputing with Equifax and XXXX saying I had no information about this company but both disputes resulted in them keeping it on my credit report. What should I do to even find out who this company is?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX XXXX Police Report # XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this statement on my behalf. Per 15 USC Code 1681-2 ( a ) ( a ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the Federal Codes listed above, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights and I am demanding the deletion and removal of ALL the listed accounts mentioned IMMEDIATELY! Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} DPT EDXXXX XXXX Balance Owed : {$4200.00} DPT EDXXXX XXXX Balance Owed : {$6300.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX  Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$7600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$90.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2020 at XXXX I was called by this company, the representative was difficult to hear and was obviously reading from a script, but I heard her say something about attempting to collect a debt and how would I like to pay for it. I just laughed and informed the agent that all of my medical bills are paid for by the VA since I'm a vet and if they want to get paid they need to be contacting them and not me. Then I told her that I didn't know anything about what she was referring to, then when she said the name of her company, I informed her that I just received notice about this bill yesterday and if you want me to try to help you get paid you need to tell me and I will try but you need to give me time. She said she would notate the account. After thinking about it for an hour I thought that them calling me about a debt during the coronavirus pandemic crisis and them calling me the day after I received the letter from them was completely inappropriate. People can't pay their bills now as it is and to call me when they did with what is going on in the world is completely improper, unprofessional, ill-advised or any other synonym you care to use. I did call back and asked to speak to the agent that called me or her supervisor, the person on the phone didn't ask for any information and gave me another number to call to speak to a supervisor, I called the number and received a recording. I did leave a message for a call back which as of now hasn't happened.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : Experian : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX H XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 Business Days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Debt collection

On XX/XX/2021, I spoke with XXXX XXXX at who explained this account for {$150.00} from XXXX belongs to me. I attempted to validate the account with him, but our information did not match. I explained I will need a copy of the signature on file showing I signed for this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the XXXX account that has reappeared on my credit report without proper notification. As a victim of identity theft, I previously disputed this account with TransUnion because it was fraudulently opened without my knowledge. On XX/XX/year>, TransUnion confirmed the deletion of this account from my credit report. However, upon reviewing my updated credit report, I discovered that the XXXX account has been reinserted without any notification as required under the Fair Credit Reporting Act ( FCRA ). Specifically, this is a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a consumer be notified within five business days of reinserting a previously deleted item. This account is inaccurate, and fraudulent, and continues to harm me as a victim of identity theft. I request that TransUnion immediately delete this account from my credit report and provide confirmation of its removal. Please address this matter promptly to comply with FCRA requirements.
Product: Credit reporting or other personal consumer reports

Ive identified unauthorized hard inquiries on my credit report, which violate 15 USC 1681c-2. These are damaging my credit, and I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX