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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. 
PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Accounts Impacted : XXXX XXXX XXXX Account number- XXXX, XXXXXX/XX/XXXX Account number- XXXX, XXXX XX/XX/XXXXXX/XX/XXXX Account number- XXXX, XX/XX/XXXX- Account number- XXXX, XXXXXX/XX/XXXX- Account number- XXXX, XX/XX/XXXX- Account number- XXXX, XX/XX/XXXX- Account number- XXXX, XX/XX/XXXX- Account XXXX XXXX, XX/XX/XXXX Account number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a message from XXXX ( XXXX XXXX  ) on XX/XX/2021 I thought nothing of it but called nevertheless to verify a credit check. They were unable to find a credit check on my SSN. 

After getting a hit on my credit report I called Equifax to dispute and they provide a contact number. I called XXXX and they verified that my credit was pulled by them and promised they would contact XXXX and have the report removed. 

I disputed with Equifax twice and was informed that this would stay on my report as XXXX Bank has failed to get this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry date- XX/XX/XXXX Capital One auto finance P.O. Box XXXX XXXX, tx XXXX RE : Unauthorized Credit Inquiry Dear Capital one, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX card PO Box XXXX XXXX , de XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , tx XXXX XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,
Product: Credit card or prepaid card

XX/XX/XXXX card ending XXXX withdrawal of {$2000.00} XX/XX/XXXX card ending XXXX Funds transfer ( other account that was compromised and frauded and eventually closed account ) {$1500.00} XX/XX/XXXX card ending XXXX withdrawal of {$1000.00} XX/XX/XXXX card endingXXXX Withdrawal of {$180.00} XX/XX/XXXX card ending XXXX withdrawal of {$100.00} XX/XX/XXXX card ending XXXX withdrawal of {$300.00} XX/XX/XXXX card endingXXXX  withdrawal of {$1000.00} XX/XX/XXXX card ending XXXX withdrawal of {$500.00} I have spoken with bank of America edd fraud and claim department many many times to discuss the situation at hand XXXX I made several attempts to get in touch with the representatives and we have spoken many times and I have expressed to them how my Bank of America EDD Account and private information, from my emails to other banks accounts i had also, where compromised and hacked frauded into. 

I can recall clearly I was on the phone with the Bank of America EDD fraud /claims department for an hour or so because my account had the departments number verified and on my account AS MY OWN NUMBER. IN my own words the lady had said she has been working at the department for years, as she was a 2nd tier specialist, and said that she has never seen this ever happen. It took them hours to try and remove the departments verified number of my account. 

Around that time and on, all my accounts from my edd online account to my chase account, XXXX, my emails and my phone numbers and passwords were fraudulent. I had to change emails and phone numbers and passwords And now it has just been a habit since getting my funds stolen under my nose. 

And still I have been contacting them about my claims that many representatives have said they have been going over for more then a year now. With no result and resolution my accounts that was hacked into and fraudulent transactions/withdrawals occurred Alot of these situations where not in my favor and since of it all I have lost more then what was fraudulently stolen from me, ths goes to me having a good stable job with 2credit cards and a bank account with SAVINGS ACCOUNT to me not being able to have any more credit cards, in debt, and not being able to have a bank account! Anywhere because my identity was and is stolen No I have only one prepaid bank account Luckily I was able to with debts and collections because my situation hasn't been really looked into although everytime I speak with them it is still open claim and even though everytime a complaint is filed for me and under investigation going on more then a year or don't favor and remember how I had my identity stolen.
Product: Money transfer, virtual currency, or money service

I recently discovered, quite by accident that attached to my PayPal account there was something that PayPal set up without my signature or application ( at least they have been unable thus far to provide any proof that I had applied for this account so it is much like the XXXX XXXX situation ) and placed charges on this account at a rate of about 25 % interest. The account was associated with my PayPal account but the billing address was an address that I had not occupied for several years. The way I found out about this account was that I had closed my old account associated with my PayPal account and started getting three to four calls a day badgering me to make my PayPal Credit payment. I was on vacation at the time and I thought that somehow I had {$310.00} of unpaid PayPal transaction that needed to be paid so I paid it from my new account. UPon investigation when I returned home I learned that it was " payment on my PayPal Creidit Account with 25.49 % interest. '' I was genuinely confused and contacted customer service and have basically been given a lot of vague answers. They could not provide me with any specifics like an application for the credit or anything like that instead they told me to go through transactions. 
The problem I have is that I do not recall applying for this credit or authorizing charges with it. I have used PayPal delay pay ( pay for something after it is delivered ) and split charges ( paying for items in multiple payments but not as a credit card or credit line but as two separate cash withdrawals ).
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleaSe delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I submitted a request to LexisNexis for my information used for my car insurance. I received a letter with instructions on accessing it. On XXXX, after trying I was unable to and per their website I tried calling and getting a live representative to help me. This was useless. Their phone tree is highly confusing and repeats the same option twice. This makes you think it isnt working. After getting past that I still encountered no option that would help me access my report. The number I called was XXXX ( XXXX ) XXXX. The whole process up to now seems to discourage and make it hard for people to access their information and definitely needs an overhaul. I did submit a request for help the same day, but again want to stress that these practices that this business is doing seems to make it pretty difficult to access my information and is taking me way more time than it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed, and successfully had XXXX XXXX XXXX XXXX removed from all 3 credit reporting agencies due to fraud. These items were previously disputed to the CFPB and removed by Experian, XXXX, & XXXX as I was a victim of identity theft- and this was one of the many account that fell victim. The debts have been removed since XXXX  on my credit report. XXXX has since sold the XXXX to XXXX XXXX XXXX -- and they have reported this debt to Experian again. CFPB and Experian both deemed the account to be fraudulent -- and now the collections company is trying to collect on a debt that they have ben informed is fraudulent. When XXXX XXXX XXXX called me I informed them, let them know of the police report, identity theft affidavit, and also the removal from my report. The decided to still report a collection account to my credit. Please remove this collection account from my report -- as it has already been proven fraudulent and XXXX XXXX XXXX XXXX should not be allowed to sell fraudulent debt. Also please instruct the the collection company to cease reporting and collection immediately. I have attached the original police report. The original identity theft affidavit, as well as the Experian report showing the deletion of XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two XXXX and transuion do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.
Product: Credit reporting or other personal consumer reports

I have a credit card with Elan Financial. My statement closed on the XXXX of XXXX. It's now the XXXX of XXXX and my XXXX closing balance of {$3300.00} has not been reported to the credit bureaus. My credit report still has {$7400.00} as my balance. That's a delta of over {$4000.00}. When I initially contacted Elan they told me that they had reported and it was the fault of the credit reporting agency. I came to find out that they haven't reported.

This is negatively impacting my credit score and keeping me from making credit moves for my family. I filed a dispute about my balance, with the credit bureau, Elan responded that my balance was correct. Even though they're still reporting my XX/XX/XXXX balance. 

I need help and I don't know where else to turn. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truck was in an accident in XX/XX/2020. XXXX XXXX took 3 months to finally say the car was a total loss. I asked them numerous times if they were in contact with XXXX who held the note on the truck. They assured me that they were and my credit would not be affected. I now have missed payments on my credit report and my score has dropped 100 points from over a 700 to barely 600. This issue is still not resolved and is affecting my finances. It is still on my report that account is still active when i have a paper from progressive saying its a total loss and is being paid off. Neither XXXX  or XXXX will help me in anyway. My next step is to take legal action
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 1.XXXX XXXX Account # XXXXXXXX XXXX,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXXXXXX 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

I HAVE REVIEWED MY CREDIT REPORT AND CAME ACROSS SOME ACCOUNTS ON MY CREDIT FILE THAT DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND NONE OF THEM ARE RELATED TO ANY TRANSACTIONS THE I HAVE MADE. THIS HAS CAUSED A HUGE CHALLENGE ON MY CREDIT FILE. IT IS VERY STRESSFUL BECAUSE I HAVE NO IDEA HOW THE ACCOUNTS GOT ON MY CREDIT. I AM ASKING THAT SOMETHING BE DONE TO RESOLVE THIS ISSUE. PLEASE LOOK INTO THIS MATTER AS SOON AS POSSIBLE SO THAT MY CREDIT FILE CAN GO BACK TO ITS NORMAL STATE.
Product: Student loan

My payments to Mohela under the XXXX XXXX XXXX XXXX program have not been accounted for. My paperwork has been erroneously marked as a duplicate, and I cant have anyone take the time to fix it
Product: Credit card or prepaid card

Purchased a comforter and some sheets from the XXXX website, upon arrival of the items, I notified the company they needed to be returned because it was NOT what I purchased and sent them back. 

A week or two later the XXXX folks called in a very hateful manner saying they would refuse to issue a refund or replacement because what was sent back was not what I ordered -- - tried to explain that the problem was exactly that, the items they sent were NOT what I ordered, therefore they were returned and wanted a refund at this point ratehr than a replacement due to their hateful attitude. 

They said too bad, that they were rejecting the items back and that I would be forced to pay for the items I sent back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry made by XXXX XXXX, which appeared on my Equifax Credit Report XXXX The inquiry, dated XX/XX/2023, was conducted without my consent or authorization, thereby violating the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiry by XXXX XXXX has adversely affected my credit profile without lawful basis or my explicit permission. As per the FCRA, any credit inquiry made on my credit report requires express consent, which I did not provide to XXXX XXXX. 

I am formally requesting an investigation into this matter and the immediate removal of the unauthorized inquiry from my credit report. According to FCRA guidelines, I am entitled to verification and documentation validating the legitimacy of this inquiry, which I have not received. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry for your reference and investigation. 

I request that Equifax conducts a thorough investigation into this unauthorized inquiry by XXXX XXXX and provides me with a written confirmation of its removal from my credit file. Furthermore, any adverse effects on my credit score or creditworthiness resulting from this unauthorized inquiry must be rectified promptly.
Product: Credit reporting or other personal consumer reports

I disputed these accounts and nothing was correctly verified. These accounts were removed from the other bureaus due to them not being valid
Product: Credit reporting

I disputed an account with Equifax and provided proof directly from the creditor that I never paid said account late, yet Equifax completed my dispute as they have verified the item belongs to me. Equifax also stated that there is no historical account information currently on this account. 1. I never disputed ownership of the account. 2. they did n't remove nor address the late payments, and if there is no historical account information, how can they justify leaving a late payment. 
In addition to all of the above, this account was previously reported 30 days in error by the credit grantor, and was subsequently corrected in XXXX of 2014. Now, Equifax is re-reporting this and I have no idea why and why they are n't accepting the documentation I 'm sending them. I do n't understand what 's the point of them acting like it 's to a consumer 's advantage to submit documentation during a dispute if it 's not going to expedite or assist in the resolution of said dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

My wife received the following E-mail : Sat, XX/XX/XXXX at XXXXXXXX XXXX Customer Support XXXX To : XXXX Account Alert Greetings from chase, We've noticed doubted activity on your online account, We've temporary suspended it until you verify your identity. 
Please verify your information from the button below. 

Verify Identity Takes you to : https : XXXX Yours, Chase Online Security Team . 

I should have noticed that this was a phish because there were spelling mistakes.
Product: Credit reporting or other personal consumer reports

I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.
Product: Debt collection

I was sent a letters in the mail claiming that I owe a debt which is a violation of my consumer rights
Product: Debt collection

On XX/XX/year>, I discovered I had XXXX debts I did not know existed while trying to build my credit, both debts combined came out to {$XXXX}. These debits heavily impacted my XXXX XXXX, so I reached out to the debt collector agency to obtain the necessary information regarding the XXXX debts but never received a response or the bill I was told would be mailed to me. I sent an email on XX/XX/year>, asking for this information but received no reply, on XX/XX/year>, I called the agency and was informed I owed them over {$XXXX} due to interest and late payments. I again requested an itemized bill and was told once they processed my request, they would mail me the bill, I never received said XXXX, on XX/XX/XXXX, XXXX I sent XXXX XXXX another email requesting the bill again but have received no reply or call back.