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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

For the nth time I am disputing the unresolved inaccuracies and invalid items on my credit report.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - please investigate the history reported on this account it is absolutely inaccurate please update the account as paid a agreed I have attached a copy of my report with the accounts in question Highlighted As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account 1 of 2 should be deleted iimmediately XXXX  XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry alert on my credit dating to XX/XX/2021. I was notified through an email sent to me on XX/XX/2021 from my credit card company XXXX. It appears that someone has used my identity to request a loan or credit. The company submitting the credit inquiry is : United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX I have not requested a loan from this company and have not had any dealings with them at all.
Product: Credit reporting or other personal consumer reports

In Credit Karma : XXXX use an account that was closed and part of a bankruptcy case to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was unfair discrimination, retaliation behavior in a recent dispute on my credit report and this action XXXX did was not reasonable. In comparison to a recent change to my credit report with this agency I paid down a credit card account significantly. XXXX didn't increase my score fairly as to the same magnitude and fair as they did based on how they decreased my credit score. I feel this type of action on my credit report was discrimination and negligent. They failed to exercise proper care or taken action that is reasonable in regards to my credit information in which that is negligent, retaliatory unfair discriminant behavior.

Negligent Violations Willful Violations
Product: Vehicle loan or lease

Well for several months I contacted Exeter Finance with no response to trying to solve the situation at hand. I was told that I had not paid for an XX/XX/XXXX payment. I let them know that the funds for XX/XX/XXXX had come out of my account. And they told me no I still had to pay for the month of XX/XX/XXXX. When I spoke to a repersentive they told me I was 112 days past due and was still demanding payment for XX/XX/XXXX. I was I also asked for a form to match payments made and never received it from them. So in the end they reposed the car and I was told that I still had to pay for the month of XX/XX/XXXX on top of all the other fees. Fees for storage, tow and all back payments which totaled around {$2000.00} dollars all in all. They are not a good finance company they offered no other alternatives. They are a straight rip off and are no good to consumers trying to make it. So by Exeter doing what they did I am now forced to file Bankruptcy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX **TransUnion*XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX **Subject : Formal Dispute of Inaccurate Student Loan Accounts & Request for Removal** Dear [ XXXX/TransUnion/XXXX ], I am writing to formally dispute inaccurate and unauthorized student loan account information appearing on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). Specifically, I request the removal of XXXX closed and transferred student loan accounts associated with the **U.S. Department of Education** and XXXX that are inaccurately listed. 

# # # **Reasons for Dispute : ** 1. **Inaccurate Reporting** Some accounts are showing **blank account information** or incorrectly marked as transferred, causing confusion and potential negative impact on my credit profile.

2. **Unauthorized Access** I have reason to believe that my account has been accessed or altered without my authorization by unknown individuals. Under FCRA regulations, I request a full investigation into these unauthorized activities.

3. **Public Service Loan Forgiveness ( PSLF ) Eligibility** As a **public service worker**, I qualify for federal student loan forgiveness. Any inaccurate reporting of my student loan status could affect my eligibility, and I request that these accounts be updated to reflect their proper status or removed if necessary.

# # # **Request for Immediate Action : ** - Please conduct an investigation into these inaccuracies and unauthorized access claims.

- Remove or correct the disputed accounts in compliance with FCRA regulations.

- Provide a written response confirming the actions taken regarding my dispute.

For verification, I have attached copies of my **identification, recent credit report, and supporting documentation related to my student loans**. Please investigate this matter promptly and update my records accordingly.

Thank you for your immediate attention to this dispute. I expect a response within 30 days as required by the FCRA. You may contact me via email if further information is needed. 

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

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am the victim of unauthorized purchases.! As of XX/XX/XXXX with a Chime Debit Card It was done in such a manner that i have no receipts and my checking account has only have {$20.00} First, let me start here, on XX/XX/XXXX I tried to log into my Chime account and was told to use the App. I have problems with the App as the last 2 times I placed my Chime Debit card on it, I was someone skimmed the code and password, and had 11 unauthorized purchases from XXXX XXXX XXXX XXXX XXXX I am a XXXX  I do not have any use for the items. It does seem that it was some party from a XXXX XXXX, yet all the purchases were in California. All 12 unauthorized purchases totaled about {$2700.00}. I am trying to get more information, yet the Chime, / XXXX XXXX  made a rash decision to reject my claim, and I want to file a new claim with Chime. I want to file this complaint as well for their lack of follow through and not even giving me a credit. I am in financial hardship because of this. In addition, Chime detected suspicious activity on XX/XX/XXXX and I had a Direct Deposit coming in from my employer XX/XX/XXXX. I had to provide a lot of information to get my account from suspension. Yet, my employer withheld my check and I had to apply for Direct deposit again. Then my employer, ( XXXX XXXX XXXX XXXX  XXXX XXXX  ) said Chime rejected the routing number and account number the first time and I had to do it again. I consider both instances poor customer service and follow-up. First I want and need a refund from the unauthorized purchases on Chime XXXX # XXXX XXXX XXXX XXXX. I need Chime to check the purchases on this new, but disabled card. I do not have the record to the recent unauthorized transactions, only a brief description on my online bank account. 11 of them from XXXX are unauthorized. Chime says I have to present more information, I was kind of hacked and have very little information. All i have is what is on my online banking account. But to Chime, that is not enough, and i am still out the money. All of the unauthorized purchases were made between XXXX and XXXX XXXX  on XXXX. XX/XX/XXXX that XXXX. A record of this is on my checking account. I am in need of my funds back that would be fair, and a more through investigation from Chime Member services. 
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 These are not all but most of them . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. Also, in accordance with 15 USC 1681 Section 602A States I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 

Tracking Numbers XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and observed the presence of fraudulent accounts.
Product: Credit card or prepaid card

I initiated a request to purchase a XXXX watch on " XXXX XXXX XXXX XXXX on XXXX, XXXX 2022. 
I paid " {$5300.00} '' as down payment and applied for a load with amount of " {$5000.00} '' on their website. ( The total amount of watch was {$10000.00} ) I was in contact with the Sales person and she has been waiting for me until the next day morning to have the loan approved. 
My load got rejected and I let the merchant know and they cancelled my order. 
When I asked them to return the down payment, they denied to do it immediately and let me know that according to their policy, they will have to charge me 20 % for restocking fee as they have already started my purchase! 
I never received any invoice and Sales person clearly told me that is waiting for me to provide the rest of the fund ( XXXX ). 

In any case, cancellation was not on my side and my loan fell through. 
I disputed a charge with my Bank ( J.P.Morgan Chase ) as the transaction was on Chase XXXX  XXXX XXXX. 

Unfortunately they could not get my money back and now saying the dispute time has passed and they are not able to help me anymore. 
I asked Merchant again, they are not returning my down payment fully. 

Please help as myself and my wife must work hard to save that much in a year. 

I can provide any evidence upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom This XXXX concern, I, XXXX XXXX, am writing this complaint with a sound mind. As of today XX/XX/2022, I am still unable to view my credit report with Equifax. 

I have called multiple times to get this error resolved and have received the case numbers below : case no. XXXX confirmation no. XXXX Each time I call I am advised to upload a copy of my ID which I comply and they make the promise to fix the issue and send the credit report. 
I have not received any follow-up in regard to this matter and this is a hindrance to my monitoring my credit report. They have promised to send me a copy of my report and I have not received a copy of the report yet. 

Please note that I have attached my identification. Further note, that the identification list my address in which has been verified by the phone reps. I have also attached a screenshot of how it looks when I access Equifax via online.
Product: Debt collection

I've sent multiple written letters requesting for proof of validation of the debt and have not received this information. I continue to get verified letters with out proof. 
Here is the information for Experian Account Name : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Original Creditor : : XXXX XXXX Account Name : XXXX XXXX XXXX Original Creditor : : XXXX XXXX  Account Name : : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; I filed disputes due to me being a victim of human trafficking and identity theft with Equifax and they are refusing to take my proof of being a victim of human trafficking. This is shocking because from the dates of XX/XX/XXXX until XX/XX/XXXX the documentation that I had to submit every time I filed a dispute was considered valid and proved I was victim and now all of sudden Equifax is saying that my documentation proves nothing. They are simply refusing to remove any adverse action that resulted because of me being a victim of both crimes. I have attached proof that they accepted the documentation last on XX/XX/XXXX and I have attached where they are now saying those documents aren't good enough. Which it is absolutely insane that I have to submit human trafficking documentation every time I file a dispute instead of like with XXXX and XXXX, this information is already on file and they already are able to see I'm victim by pulling up my information. It's sickening that this company is now putting me through this and refusing to remove items my attackers used my information to get.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged : Incorrect Name : 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
Product: Credit reporting or other personal consumer reports

I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.
Product: Credit reporting or other personal consumer reports

The information is incorrect. Accounts that show as charge off didnt send 1099 and they supposed to. Then the information being submitted is incorrect. It has damaged my credit score and has hindered me from be able to buy a house. I have tried to dispute through credit karma dispute and certified letter, and nothing has been done. The account amounts and date are wrong. section 609 of the Fair Credit Reporting Act ( FCRA ) i have debts tha have been settled and resold to different collections agencys.
Product: Checking or savings account

I am an employee of XXXXXXXX XXXX I was at work when I received a text from Capital One asking if I was trying to make several purchases online. I responded as soon as I was off work saying no. I then called the bank, who told me the transactions had to finish pending for me to get my money back. I went to XXXX and came back after all the transactions finished pending and re called the bank. They sent me an email this morning saying they will not give back my money and I'm to call the merchants. It's the second time Capitol one has done this to me. It's not easy to lose over a {$1000.00} when you work so hard. I did not delay in contacting them. Even while I was on the phone with them the scammers were still making purchases. Capitol one is out of line. And I need my money back. Capital one is not a good bank and I'm very disappointed in there behaviour