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

XXXXXXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX CreditBureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and Transunion will not give me a updated report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I had previously noticed this was on my credit report a few months ago. I sent out validation letters asking them to validate this debt they said I owed. They couldn't and by law the debt had to.oh been removed. I looked at my credit report and noticed this same debt collextor on there for the same debt, but they changed the open date!! The open date now is saying XX/XX/2018. This debt is about 3-4 years old. Its against the law to re age a collection. Another thing is I was NEVER notified before this. This company is a joke and honestly shouldn't be in bussiness. I have laws under the fair debt that protect me and my rights with this company have been broken.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Former address XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Hello : I am XXXX XXXX formerly XXXX XXXX and I have some concerns in regards to XXXX at the US Bank center location. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. 
I attempted to get information on why she gave me a hard time and initiate a hold and she basically got mouthy and in return I did to. 
I requested to withdraw money from the bank in the amount of {$6000.00}, I got provisional credits, I do not want {$6000.00} sitting in my account because of my past experiences, I started the XXXX XXXX XXXX  XXXX XXXX and I am a person that give 5 or more chances to people and I dont just give up on them, I have a kind heart and love to help others and give back and people have told me I have a kind heart. 
I will give you all a backstory, XXXX XXXX a longtime buddy of mine I met through giving back, is a XXXXXXXX XXXX and a person that has issues, I have a soft spot for the homeless and want to give people opportunities that dont normally get certain opportunities. 
XXXX have stolen money from me and he has stolen vehicles from the organization and it seems like every opportunity he gets he seems to cross the only person who helps him and be there. 
He have done a lot to help me but they say people will show there true colors, I didnt give him permission to make purchases, sometimes people resort back to their old ways. With my disputes I have never had any chargebacks come back and a lot of times in my experience the transactions I dispute arent added on the disputes and you have to call and they dont go back to old dispute they add another one. 
I have {$6000.00} that can cover the amount that I was going to take out. 

Back to XXXX she is concerned with my account and I am concerned with her professionalism and communication skills. Every time I come in that branch, she gives me a hard time before reviewing information, she make assumptions and she claims she doesnt remember who I am. I can pay any debt I owe to the bank and had the amount to cover multiple times and I asked that XXXX take the amount out in my previous XXXX figure balance and she didnt and know she is trying to keep my account on hold not because of business, fraud concerns, its a personal matter and her ego. I yelled at her and we had a verbal dispute that got ugly and I do believe she discriminated against me. I want to request that XXXX be trained with being professional and to not take her personal ego out on me and stop my account from moving forward and ask why she didnt take any debt owed out but requested a hard hold. May you all please deal with this according and this is a violation of my civil rights, I am here to protect my account and not to have my character assassinated. I had no plans on closing my account unless I close it and reopen one that havent been compromised. XXXX XXXX moved to Mississippi within the last few weeks his mother informed me. 

Best regards, Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The personal details on my credit report are incorrect. I've attached my documents for you to update the information.
Product: Credit reporting or other personal consumer reports

Transunion provides a residential rental screening credit score that was used to make a decision regarding my application to rent a home. This score is different from my Transunion credit score. There is no way for me to obtain information related to this score, what information it is based upon, nor was I aware that such a score existed. This appears to be a violation of my rights under the FCRA and privacy laws. The Transunion representative described it as an internal score, but apparently companies can pay to buy it. Unaware of this score or its use as a rental requirement, I needlessly spent money applying to rent a home I would be denied for.
Product: Vehicle loan or lease

XX/XX/23 I applied for a loan with XXXX XXXX XXXX and they sent capital one my information with out my consent reference number XXXX and they pulled my credit using my social security number and they are violating my rights 15 usc1611 and 15usc 1602 amount XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Ava finance was paid and closed XX/XX/year> full amount paid {$20.00}. Theyre continuously reporting on my credit report twice that the amount of {$20.00} wasnt paid and its damaging my credit. 

Theyre also trying to force me to pay through an ACH bank account to gain further access into my information! Trying to speak with a live representative is difficult and when you email or leave a voicemail message you receive faulty communication responses again trying to gain access to you ACH bank information account.
Product: Debt collection

Phone number XXXX ( XXXX ) XXXX Message left This is XXXX XXXX. I'm calling you today directly with the investigations unit over at MAC. Weve received correspondence from a financial institution and we are prepared to file a civil suit against you. Several attempts have been made to contact you via mail and other collection efforts and you have failed to comply. We do understand that this is a verified number for you and we will file the paperwork if we do not hear from you within 24 hours of receiving this message. To reach me directly you can contact me at XXXX. Ill repeat that, XXXX I do wish you the best of luck
Product: Consumer Loan

I recently viewed my XXXX Credit Report and observed that GM Financial conducted an inquire 3 times, XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I do n't recall granting authorization to GM Financial to inquire my XXXX credit report 3 times in a time period of 5 days. I am requesting GMFINANCIAL to send me the documentation 's used to authorize there inquiries so I can verify it 's validity. If they are unable to provide me the mentioned document 's ( 3 ) I am requesting GMFINANCIAL TO REMOVE THE INQUIERIES FROM MY XXXX CREDIT REPORT. I am prepared to seek legal council and pursue legal action for GMFINANCIAL knowingly and willingly violating my rights granted to me by the FCRA. Thank you for your immediate action to my request. Furthermore, in addition to GMFINANCIAL contacting XXXX I want GMFINANCIAL to send me a letter confirming that the request was made to XXXX to remove the mentioned inquiries from my credit report for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX GA XXXX The following account was charged off as of XXXX, 2020. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

My student loans are showing up twice on my report. 1 They are consolidated into 1 account but its showing as 34 different accounts. The accounts have been transferred but are showing chargeoff. I have been going thru this for 2 years.
Product: Credit card

My Apple credit card was closed due to filing valid dispute, I wasnt provided any documentations why they made this decision neither I was given any written decision. I contacted support few times & they kept transferring me to different representatives. I need help to reinstate my card. I always paid my bill on time & never had any issue but if the disputes were valid why they closed my card.
Product: Debt collection

Ive found multiple inaccurate accounts on my most recent credit report, which I believe were added without my permission. I request that these fraudulent entries be promptly removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Put a credit freeze on my account after the big data breach. Experian took my information and gave me a 6 digit password to unlock and lock my account for security. The feature seemed to be an awesome way to protect my credit. Now they refuse to unlock my freeze when I enter my information and 6 digit pin as required. They are asking me to submit all types of copies of my personal information and refuse to unlock my credit score as required by agreement. No other agency does this to me of the big 3 but them. Online, automated, or on phone, they refuse to unlock my account as required by our agreement. In no way did I put a freeze on my information to exclude my ability to share it as I deem fit, or requiring me for the exhaustive documentation they now say they require. This practice is a XXXX  and unfair way to punish consumers that put a freeze on credit through Experian.
Product: Credit card or prepaid card

On XXXX XXXX, 2021, I called and inquired about my replacement card because the current one is set to expire in XX/XX/2021. Shockingly, I was informed that my account was closed. When I asked why my account had been closed, the agent said they sent a letter in XX/XX/2021. I explained I had not received any letters through the mail. When I asked to speak to a supervisor to explain why my account was closed, the supervisor said a letter was sent electronically. I explained to him I was online looking at my account, and there were no emails and no notifications about an account closure. When I asked for an explanation as to why the account was closed and going through their verification process, the supervisors stated the account was closed because Citibank decided to close it - with no other explanation. 
Additionally, this account has auto-charges attached to it. For the last XXXX  months, they have continued to allow charges and have received payments- all without notifying me that the account had been closed. This unexplained decision by Citibank not only has caused a great inconvenience for me as a consumer, but it will also show up as a detrimental mark on my credit report. This practice is unacceptable customer service.
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 Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account 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

I was going through my credit report and notice some wrong information on all XXXX credit reporting agencies ( EXPERIAN, XXXX, and XXXX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.
Product: Credit card

They did not provide proof showing my written signature nor did they do a reinvestigation
Product: Money transfer, virtual currency, or money service

In XXXX I received a letter of collection from XXXX XXXX XXXX on behalf of Paypal for {$100.00} with no explanation of the charge, by the way. After telling both XXXX and Paypal via emails and telephone that I never had a Paypal account, XXXX stopped billing me, but Paypal continues to send me messages via email regarding the account I never had. They want me to 'login with my password '', which I can not do because I don't have an account, or " open an account with a password. '' I have contacted them 3 times to send me a confirmation letter that I do not nor did I ever have an account with them and that there is no no balance to be collected. However, they never did so. 
They continue to harass me. I want the harrassment to stop and the confirmation sent to me that there is no balance and there never was and still is not a Paypal account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to get a truck refinanced. I learned from the dealership that there was a fraud alert on my credit file. I called Equifax the agency reporting the Fraud alert and answered there questions multiple times, they also stated that I had answered the questions correctly and they still tell me that they can not verify my identity. This is simply ridculious. I received no alerts or notifications that this existed on my credit file and the fact that there is nothing left on my credit report due to the Chapter XXXX bankruptcy we had to file last year. They will not assist me with removing the faults information that they have listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect information on my credit report
Product: Mortgage

I refinance with Fifth Third Bank in XX/XX/XXXX in XX/XX/XXXX I got a refund of XXXX from my escrow account, in XX/XX/XXXX I received XXXX from my escrow, for XX/XX/XXXX Fifth Third Bank said that I owed them XXXX I call Fifth Thrid Bank and ask why do I owe you, and the lady said that my homeowner insurance went up XXXX for XX/XX/XXXX and my taxes went up XXXX. I said to her where is the rest of money from escrow and she could not explain it to me. I was told to go to my Fifth Thrid branch and have them to explain to me what was going on with my escrow account I did go to the branch and they could not help me either. Can you help me with this matter. My contact information is ; XXXX XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for paying the accounts..I do not owe this debt nor the accounts UNKNOWN XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX.. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Hi find it unethical that Chase Bank continues to charge a {$12.00} per month fee for the inability to carry at least {$1500.00} in a checking account with them. It is not ethical for the bank to profit each month through this, I am trying to save money, and they are assessing this monthly feel. I do not meet the waiver criteria ; as I am self-employed and do not have a check direct deposited into this account. I have had great customer care over the years and have maintained a good business relationship to this point ; however I do not feel this is fair practice.