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

XXXX  IS REPORTING 5 INQUIRES THAT DON'T BELONG TO ME XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX EQUIFAX IS REPORTING A CREDIT CARD THAT DOESN'T BELONG TO ME XXXX   XXXX # XXXX LIMIT IS {$500.00} BUT REFUSES TO REPORT 4 CREDIT CARDS THAT DO BELONG TO ME XXXX XXXX XXXX # XXXX LIMIT {$4000.00} XXXX XXXX XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$5000.00} I will attach a compared report between the bureaus and you will clearly see the discrepancies reported!
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account that has been fraudulently reported under my name. This account does not belong to me and was opened or used without my authorization. Below is a summary of what happened, my supporting evidence, and applicable legal citations that support my claim for the removal of this fraudulent account from my credit report. 

What Happened : The account in question was opened or used without my knowledge or consent. 

I have no financial ties to the creditor in question nor any agreement to be held liable for this account. 

This fraudulent account has negatively impacted my credit score and caused undue financial stress.

Actions Taken : 1. Fraud Report Filed : I have submitted an identity theft report through the Federal Trade Commission ( FTC ) at identitytheft.gov.

2. Creditor Contact : I contacted the creditor to dispute this account and requested an investigation. 



Legal Basis for My Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 The FCRA allows victims of identity theft to block fraudulent information from their credit report.

According to 1681c-2 ( a ), a consumer reporting agency must block the reporting of information resulting from identity theft if : The consumer notifies the agency of the identity theft.

The consumer provides a valid identity theft report. 



2. FCRA, 15 U.S.C. 1681i Under 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If the investigation determines the information is inaccurate or unverifiable, the agency must delete it. 


XXXX. Case Law Supporting My Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reinforces the consumer 's right to dispute and remove inaccurate or fraudulent information from their credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Highlights the responsibility of credit reporting agencies to investigate and remove unverifiable or inaccurate data. 



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

I sent a letter to Equifax explaining inaccurate accounts appearing on my credit report was not mine and to remove it immediately. They have failed to respond to my request in a timely manner. I want it removed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was out of work for approximately XXXX and XXXX months around XXXX, XXXX, XXXX. I contacted XXXX XXXX to figure out a game plan. They gave me a repayment plan, which I was told would not affect my XXXX XXXX. I was advised that I did not have to pay XXXX, and that amount be spread out over the following XXXX payments. 

I paid XXXX, I paid XXXX, then began getting notices that my XXXX XXXX had dropped and they were claiming I was 90 days delinquent, even though I was only behind XXXX month, which i had already made XXXX out of the XXXX payments towards. So I owed them around {$920.00}, for the remaining 4 months. 

I contacted them once i realized my credit was compromised. Took weeks to speak to a XXXX. XXXX the interim, I applied for a modicfication. I was approved. My online access indicates this will lower my payment by {$21.00}. Agents advise it is going to reduce it by $ XXXX, in the meantime I am receiving Demand and Foreclosure letters stating that I must pay {$3100.00} by XX/XX/scrub>XXXX The further on in the documents it says that I must pay by XXXX 

I called today and spoke to an agent attempting to make a payment towards that amount, for {$400.00}. and she refused to process the payment saying it wasnt enough!!

Im trying so hard, but this company does not communicate consistently or accurately. Ive contacted an attorney, yet if Im struggling with my mortgage, dont have much to offer an attorney. 

This company needs to be held accountable for their evasive acts and misinformation towards their customers.
Product: Debt collection

I contacted credit center in regards to a medical account I recently noticed in my credit report, Working with a financial counselor we mailed out a debt validation letter on XX/XX/2021. It has been over 45 days since I reached out to them and they have yet to validate this debt I don't recognize, A direct violation of the fair credit reporting act..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/X/17 I received an email from LendingPoint LLC stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via XXXX. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed my credit file in the Office of Consumer Affairs. I can not view or see what is going on with any disputes. 

The company refuses to block the fraudulent information and every time I report it to the Consumer Finance department Equifax always request more time and never properly assist me with disputing the accounts and/or blocking the accounts. The company ( Equifax ) is not telling the truth about needing more time to research the dispute. The company is violating the FTC laws and trying to cover up things with the Consumer Finance Department as if they have my best interest.
Product: Credit reporting

Several items I have only seen a few because I was denied online view. Credit cards I have never had and other debts that make no sense biking amounts. I 've car loan not mine my car was given to me by my mother it was 1993 since last cart loan. I had lost many ss card birth certificate and dl card after my motor home was towed and sold while I relocated to another state. Please he 'll this is scaring me. This is the only information I hand from the XXXX credit company s
Product: Credit reporting or other personal consumer reports

To whom it may concern the reason of this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of and I do not recognize at all because I did not apply for credit with NAVY FCU, I have also reached out asking they remove the inquiry from my credit profile. Please launch an investigation into NAVY FCU inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid. I am requesting that it be removed from credit report as soon as possible. However, if NAVY FCU is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention this matter. The following inquiry must be removed immediately. 

1.- Creditor Name : NAVY FCU 2.- Date : XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes .The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX STERN RECOVERY SERVC ACCOUNT NUMBER MISSING NOT REPORTED XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of {$33000.00}. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed. 


In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 )
Product: Debt collection

A random collection from Bonneville Collections of XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, UT XXXX XXXX : XXXX, XXXX XXXX CEO, showed up on my credit report with no account number, original creditor or contact information. I wrote twice requesting Proof of Contract that Bonneville Collections was entitled to enforce a commercial claim against me. 3 months passed and they did not respond. I called, explained the FDCPA and FCRA that this was fraud. They have refused to provide any proof that I signed any contract or agreement that I owe them or the original creditor anything. They have refused to remove the collection. They are in direct violation of both the FDCPA and FCRA. 

This has caused me serious financial harm in the loss of low interest loans, lowering of my credit limits and scores and increases in my interest rates. I am a XXXXXXXX XXXX XXXXXXXX   XXXX veteran. This has caused myself and my wife XXXX XXXX XXXX on top of financial problems. 

Please help! 
Kind Regards, XXXX XXXX XXXX
Product: Credit card

I called to find out why my payment was taking so long to post after coming out of my bank and found out that posted but did reflect in my limit and they said that the past purchases went towards the amount of my XXXX payment. I stated that I had already made a payment of XXXX yo cover the initial payment and cover the interest charge bring my payment up to date. Then XXXX  days later I payed XXXX toward the card.i told them that all the charges had already cleared and I should have XXXX available. They said no. XXXX XXXX angry and told them that they are ripping ne off and she stated that's how it works. So I hung up the phone in anger.
Product: Credit card

Yesterday, XX/XX/XXXX, I received a CashApp Debit Visa card that was ready to be activated. I do not have a CashApp account or card, I have zero affiliations with the company. Yet, this card has my name and address. 

I contacted CashApp support but was greeted with skepticism because it took over an hour to get a human-being on the line, and the phone number callback I received was being reported as Spam. After doing some research, there have been cases of fake numbers and people pretending to be CashApp support. I went through their official support line but I do not feel secure about it. They asked redundant questions over and over, and I had to respond to their email support with the same information I provided during the call. Not to mention I don't know how much I can trust the poor formatting and generic email I received. 

I am attempting to close this card, but I am unsure on the individual who tried to open an account with my info. I don't know how much info they have access too. I checked all my bank accounts and I am not seeing any suspicious activities yet.
Product: Credit reporting

Please remove XXXX from my collection and any another areas that it is showing up. It is flagging as an eviction when really it was a collection for XXXX is preventing me from renting, and was dismissed with my bankruptcy.
Product: Debt collection

I have a medical debt reporting on my credit that does not belong to me. It has been reporting on my credit for some time. I have never had services done with the medical facility mentioned on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

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

I logged onto Transunion to check my credit score. It required a credit card number, which I assumed was necessary to verify my account. I checked my score and then was surprised to receive an email stating that I had subscribed to a service for {$29.00} a month. When I went back on the site to see how this had happened, I noticed that there was a mention at the very bottom of the screen about the subscription service -- but at NO POINT during the process of submitting my credit report request was the fee or the fact that it was a subscription EVER mentioned again. This is the definition of an abusive and deceptive practice. They HID the fact that I was committing to spend {$360.00} a year for a service that is supposed to be available to me for FREE a minimum of once a year. Their web site provided no clues as to how to obtain the FREE credit report -- instead it steered me to a paid subscription. I was able to get this charge reversed, but I am livid. This is truly a misleading, deceptive and abusive practice and it should be stopped.
Product: Credit reporting

XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Debt collection

I get repeated calls from XXXX. Multiple calls per day for the last month. 

They leave a message asking me to call back XXXX. 

The voicemail is vague, saying they are from XXXX XXXX XXXX or United Collection Bureau with an attempt to claim a debt. 

It's very suspicious. I talked to a rep once and asked them to mail me the information. They just kept repeating generic info and were trying to get personal info from me that I was not willing to provide. 

I asked them to mail me and stop calling as I do not believe this to be a legit debt collector. 

I would like their calls blocked as it is harassing. Please also look to add this number to your radar of suspicious/fraudulent/criminal callers. 

Thanks
Product: Debt collection

I have a hard inquiry on my XXXX Credit Report by CREDIT PLUS. I do n't recall requesting Credit from Credit Plus.
Product: Debt collection

I settled a {$5000.00} balance on an account with Toddd Bremer and Lawson, and following the settlement of this account, they informed me they would not provide any documentation from their firm reflecting this collection.
Product: Credit card or prepaid card

Discover Card charges a 29.99 % interest rate. This is a usury rate. It discriminates against seniors that are on fixed income. Arizona law is a 10 % interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint AGAIN to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX Balance Owed : {$3000.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as you can see I keep my credit good. Collection agencies put information that belong to me. I contacted them but they refused to listen to me and called my job. Its weird how they all did the samething. please remove this from my credit. its not mines XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$780.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} XXXX XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$55.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported :XX/XX/2020 {$1100.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$780.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Denial of Access to Consumer Report Dear CFPB, I am writing to file a formal complaint against TransUnion and XXXX for their failure to provide me with access to my consumer report. Despite repeated attempts to obtain my report, I have been met with obstacles and denials. 
The inability to access my consumer report is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). This law grants consumers the right to obtain a copy of their credit report and to dispute any inaccuracies. 
The actions of TransUnion and XXXX have caused me significant inconvenience and frustration. I am unable to monitor my credit report for errors or fraudulent activity, which could have serious financial consequences. 
I respectfully request that the CFPB investigate this matter and take appropriate action against TransUnion and XXXX. I believe that these companies are not complying with the FCRA and are harming consumers. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

They give me a hard time to increase my credit limit a XXXX reason to decline me saying we have given you {$8000.00} in total for both of your accounts and were unable to give you more they told me when I apllied this is no cap that you can request a credir line increases at anytime but they always turn me down for this reason this is horrible this is discriminatory how can you tell me this it doesnt make sense my credit is good and Im a good customer and cant get more from them because they refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank checked my credit report on several different occassions. 
XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These unauthorized caused hard inquires on my report. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reinserting deleted accounts on my credit report. XXXX XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. This account was deleted once from my credit report and now its reinserted without my knowledge again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. EQUIFAXXXXX XXXX {$180.00} XXXX XXXX XXXX {$490.00} EQUIFAX XXXX {$230.00} XXXX XXXX {$97.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX {$600.00} XXXX   XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX {$19000.00} XXXX XXXX {$5400.00} XXXX   XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX XXXX