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

Recently, I did an investigation on my credit report and found several items to be inaccurate. Despite multiple dispute attempts, these issues remain unresolved. Below are the details, including violations of federal credit laws that justify the removal of these negative items. 

1. Inaccurate Negative Accounts The following accounts are being reported inaccurately and unverifiably : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 1681e ( b ), credit bureaus must ensure maximum possible accuracy. Since the furnishers have failed to provide proper validation, these accounts should be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 

2. Unauthorized Hard Inquiries There are multiple hard inquiries on my credit report that I never authorized, violating FCRA 1681b ( a ) ( 2 ) : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 1681b ( f ), consumer reports can not be accessed without a permissible purpose. Since I never applied for credit with these entities, these inquiries must be removed. 

3. Dispute History I have disputed these inaccuracies with the credit bureaus on : * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX Under FCRA 1681i ( a ) ( 1 ) ( A ), they had 30 days to investigate but failed to verify or delete the disputed items, violating federal law. 

Requested Resolution I request the following corrective actions : 1. Immediate deletion of the disputed accounts if unverifiable under FCRA 1681i ( a ) ( 5 ) ( A ).
2. Permanent removal of unauthorized inquiries under FCRA 1681b ( f ).

3. Written confirmation that these items have been removed. 
Failure to comply may result in further action under FCRA 1681n for willful noncompliance. I request CFPBs assistance in ensuring my credit report reflects only accurate and verifiable information.
Product: Checking or savings account

On XX/XX/XXXX there were 3 transactions in my bank account. On XX/XX/XXXX. I contacted the bank they started a dispute and refunded my money. Then in XX/XX/XXXX Chime bank said they contacted this " merchant '' and that they confirmed the charges so they took the funds back out. {$330.00} was deducted for 3 transactions that I did not authorize since XX/XX/XXXX I have called everyday to ask for the merchant information because there is none that I can find and they will not work with me to give me the information in have submitted 18 disputes with tons of documentation and they will not respond. A total of 34 emails have been sent and no response only to spay it was a justified transaction. On my bank statement these 3 merchants are not even in English and there is no information for them. The email listed is fake. I have the documents from spoof @ gmail and from spoof @ XXXX stating these are fake websites. I have submitted the documents from the United States Post Office saying no packages were delivered to my home address within the past 90 days. Also the tracking number they verified it to belong to different home address and different person. XXXX also sent the documents stating a different card was used with my name being fraud. I contacted XXXX  XXXX  and TransUnion and there are about 18 internet applications with mixed my information with some elses. So a freeze has been put on my Credit and a fraud alert has been set up. Apparently my accounts have been hacked and I did not even now it was this serious until I tried to remove these charges. The same 300 merchants tried to access my XXXX, Chime, and XXXX accounts. I need help to resolve this issue for the bank refuses to even look at all the documentation I have provided by responding only that they contacted the merchant but I don't understand how if all the paperwork I have shows them to be fake websites and people. 
XX/XX/XXXX {$110.00} XX/XX/XXXX. {$110.00} XX/XX/XXXX. {$110.00} Refunded on XX/XX/XXXX Then deducted again on XX/XX/XXXX ... XXXX {$330.00} I have all the documents for thiese XXXX transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Bank Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX XXXX. XXXX stated that there was no information with my name and social. Instructed me to report it to XXXX XXXX to remove this item. 
XXXX. XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX. They as well don't have any information in my name or social. Contacted XXXX XXXX to remove this item. 
XXXX XXXX XXXX XXXX Hard Inquire XX/XX/2022 ( XXXX ) XXXX. Calle them today at XXXX XXXX  as the other inquires they all so don't have any information on me. Contacted XXXX XXXX to also have this item removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX XXXX XXXX  - account ending XXXX - unable to get access to my account information therefore unable to provide full account number Have tried numerous times to get the debt validated with original contract from the creditor with no response. I asked then asked the credit bureaus to validate the debt. 

Inaccurate information being reported from this company. The account is paid in full. 

My rights are being violated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 an 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: Student loan

To put it short. I graduated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with my XXXX XXXX XXXX XXXX. 

I have never defaulted on a payment but still owe over {$140000.00} due to fluctuating interest rates, and non-flexible repayment plans that continue to capitalize on my loan with interest. And pretty much pay them over {$800.00} a month not to harass me. 

Since I graduated, all of XXXX XXXX XXXX XXXX have been shut down and recently the XXXX XXXX XXXX have deemed the institution a fraud. Canceling all federal loans for my demographic. The only issue is I have private loans that they continue to take which is bad of the {$140000.00} owed to them. I am buried. I need relief. 

I need to find a way to get my private loans XXXX because I am paying back a debt from a fraudulent school recognized by the government.
Product: Credit card or prepaid card

companies involved : XXXX XXXX XXXX XXXX ( Wells Fargo ) It appears that I am a victim of ID fraud. 
I am getting bills or emails from the companies above because the companies have approved credit cards for a criminal whose ID in unknown. Obviously the companies know my name and home address and casually give out credit cards to the crooks, and then force me to make calls and wait in line for hours to talk to the fraud Dept. After talking to the fraud dept. nothing is ever done to correct the problem. XXXX for instance said to fix the problem, they are issuing me a new credit card with a new number. This after I have informed them that I have no account with them. ( outrageous ). I suppose my credit score is suffering because of this fraud and there is nothing I can do to stop the fraud.
Product: Credit reporting or other personal consumer reports

I am writing this letter to whom it may concern to dispute these inaccuracies on my credit report and I demand that they be deleted from my credit report expeditiously. I've been a victim of identity theft and didn't make these inquires. The items are below that I demand to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This was an account open 13years ago and by law it shouldve been removed from my credit report years ago
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my report in the amount of {$5500.00} from Lockhart morris and mont,  XXXX did not allow me to dispute the information found on said account, which includes an incorrect date opened, as well as they are reporting a balance past due on a collection account which both are against the fcra, all information reported must be accurate! Please help me in resolving this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have received my identity theft complaint ( XXXX ) on XX/XX/2023 via this portal and have refused to follow the FCRA procedures to block and delete or respond to me the consumer according to the timeline prescribed by the Bureau ( 15 USC 1681c2 ). Instead they are responding to me and telling me that my time sensitive complaint would take ( 60 ) sixty days for a response. This is unacceptable and is in direct violation to my federally protected rights under the FCRA. Equifaxs failure to respond in a timely manner and continues reporting information with actual knowledge of error ( 15 USC 1681s-2 ( A ) ) has caused me great financial distress and they are therefore liable to me pursuant to 15 USC 1681n and o. 

Refer to CFPB Complaint # XXXX for timeline and Responses.
Product: Credit card or prepaid card

This is a billing problem with American Express XXXX cards -- I pay MONTHLY the balance in FULL. There is no carry over ( I do not use pay over time ). EVEN when paid in FULL each month by the XXXX ... ... they will put a CARRY OVER balance ( that was already paid ) with the payments due -- in reality-paying the same charges TWICE ( as they were paid the previous month. 

American EXPRESS said a XXXX  XXXX is going to review the account -- but I was working 2 jobs with a XXXX XXXX son and didn't pay attention -- just PAID the bills. He XXXX  and then some time later I started paying attention -- I charged {$2700.00} this month and paid already 1989 towards this bill ( should owe about XXXX total ). But the bill is XXXX as American Express added " previous balance of {$1000.00} " is why it's so high ( BUT this bill was already paid in XXXX each month including last month and there should be no previous balance. I went back over the entire year -- and this was DONE every month although the balance is ALWAYS paid in full by the XXXX as well as sometimes paying more ( say {$450.00} is due and balance is XXXX more from items after the closing I will pay {$700.00} and pay it all off... but still the ENTIRE balance will carry over as a PREVIOUS BALANCE?? 

When I called and explained this to American Express and then told them I was going to put in a complaint to you -- she then said they would have a " XXXX  XXXX '' call me within 24 hours to discuss my concerns. She was not able to explain to me why a balance that was paid in full each month is carried over ( charges not payments ) and PAID TWICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Sometime ago I submitted a request to have a bankruptcy filing which I was advised by my attorney to file due to an illegal foreclosure. Unfortunately my initial mortgage was with XXXX Bank and after a couple of years I took advantage of the federal Making Your Home Affordable Act. XXXX had me withhold payments for almost a year while they processed my application. I was approved and made all of payments at the new rate for almost 8 months when my mortgage was sold to XXXX XXXX XXXX. XXXX never transferred the paperwork for the new rate so XXXX XXXX demanded all payments which XXXX had me withhold and raised my payment amount to the original loan amount. Eventually XXXX Bank had to settle with mortgage borrowers for mishandling paperwork for which I received a paltry settlement in the HARP class action lawsuit. Both XXXX and XXXX XXXX also had to remove any derogatory credit information, but this didn't include bankruptcies their clients were forced into due to their actions. My credit record was fine before this illegal action by these banks and I would like to be made whole again by having these bankruptcies removed from all three credit bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

In 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 or other personal consumer reports

RBC Collection Medical bills that are over 5 to 6 years old have reappeared on my XXXX XXXX XXXX credit report, Which has lowered my score by more than XXXX to XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Nj, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act ). I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I am aware that section 609 requires you to have verifiable proof of my signature. As is my right, I am requesting the validity of my signature or that the items that the items listed below be removed from my profile. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$240.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE {$0.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$0.00} Additionally, I have highlighted these items on the attached copy of my uploaded statement. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter. if you fail to offer a response all disputed information must be deleted. Thank you for your Prompt Attention to this matter.
Product: Credit card

A credit card was opened in my name without my consent. The credit card was opened XX/XX/year>. Account number XXXX. I have filed a Ftc report along with disputing the account with the credit bureau. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My name is XXXX XXXX. I have attached a copy of my FTC report and copy of my driver 's license showing address.
Product: Debt collection

This account does not belong to me. I am requesting that it be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have attatched a document supporting my claim of XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX reporting inaccurate information on my credit report, I highlighted all inaccurate parts of the report. 

IM REQUESTING THAT ALL ACCOUNTS MENTIONED TO BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX  : date opened is inaccurate, balance is inaccurate, high credit is inaccurate, past due is inaccurate, last reported is inaccurate, date last active is inaccurate, date of last payment is inaccurate, two-year payment history is inaccurate XXXX  XXXX  : date opened is inaccurate, balance is inaccurate, high credit is inaccurate, past due is inaccurate, last reported is inaccurate, date last active is inaccurate, date of last payment is inaccurate, two-year payment history is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying writing the company to get them to verify if the debt is mine with a sign contract all the company keep responding with is a bill. i already have a bill I need to verify or know what document they have that this is my debt and not someone else 's. 

XXXX XXXX XXXX XXXX XXXX {$340.00} account number XXXX XXXX XXXX XXXX XXXX {$2800.00} account number XXXX XX/XX/2020 XXXX {$730.00} account number XXXX In accordance with the Fair Credit Rreporting act XXXXXXXX account XXXX, XXXX, XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Sections 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

A few accounts are reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also multiple fraudulent inquires
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX CO XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX
Product: Debt collection

I have sent requests and information to a collection agency notifying them that I had never had or applied or had any knowledge of the credit card or its & XXXX debt. So far they have been intransigent and have never supplied any documentation to verify. It is hurting my credit score for something I did not have or apply for or use. I am evidently, a victim of someone using my name and social security number. 
The collection Company is named National Credit Adjusters and regards a credit card called " XXXX ''. I have gone through the respective credit reporting agencies and have no address for this collection company. I have disputed numerous times over the last several months, to no avail. I understand when a debt is owed but causing me such trouble and time for something I have not done is not warranted. Any assistance is appreciated. Thank you.
Product: Debt collection

we had XXXX cell service for over two years, in XX/XX/2021 we transfer our services to XXXX, the sprint were cancelled left zero balance, we returned all sprint devices in time and got receipt. 
After three months later we receive collection latter from I.C System Inc. that we owed XXXX 
we went several time to the XXXX store, they said only XXXX can resolve this issue, many times call XXXX  nothing is resolve yet. 
It is not are balance the just want to rip us off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with 08 CAPITAL ONE BANK USA N A. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and 08 CAPITAL ONE BANK USA N A with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate information. This is my 3rd time reaching out to you. I've done through research on FCRA and FTC laws.
Product: Credit reporting or other personal consumer reports

old address did not live in 2 locations i did not close those 3 XXXX ok i was not aware consolidation was going to destroy my credit i was not aware that i was not going to get negative scores I was not late the company XXXX XXXX  held back payments that i made to them they were negotiating with XXXX but i made my payments on time & XXXX XXXX lowered my credit amount because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I had not used my target card in over 2 months because my balance was {$0.00}. Checking my credit card statement in early  XXXX  it showed t hat I had reported owing money to Target, and it had caused a large hit to my credit score when I was trying to buy a house. I tried contacting Targets credit card support but they told me there was nothing I could do. I immediately paid them the {$15.00} that it showed I owed them. There was never any statement sent to my address, or my previous address and I had not received any emails either. I was told on the phone that even though I paid the balance on the card, they would not remove the credit card hit because " I was sent a statement so I knew I owed money ''. Very rudely the representative ended t he conversation. I tried calling back many times and explaining I was never told I owe any money, all ending with the same result. Eventually I ended up just calling to cancel the card because I was getting such rude and un-helpful service. I have filed disputes with all  XXXX  major credit agencies to get this removed, explaining to each of them that Target is being completely uncooperative.