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

As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of XXXX and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the Consumer Finance Protection Agency and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

Money was stolen from our Citi Bank checking account without our knowledge. We keep getting told by Citi Bank, the company we are complaining about that there is an unauthorized third party, we are not sure what this means, or why the case keeps getting closed.
Product: Credit reporting or other personal consumer reports

You were notified that account XXXX XXXX  XXXX is reporting the wrong balance and activity date on my credit report and you have failed to remove this inaccurate information. Experian and XXXX are reporting different balances. Experian reports a balance of {$2000.00} while XXXX reports {$2000.00}. Neither of those balances are correct which my last statement will show ( attached ). Furthermore, the activity on this account was in XXXX of 2024 which Experian nor XXXX reports. At this time, I am requesting the deletion of the aforementioned account due to false and misleading information. If this account is not removed within 10 business days, I will be taking legal action due to negligence and defamation of character. Please see the attached documents showing that you are reporting false information and remove this account immediately.
Product: Credit reporting or other personal consumer reports

I amwriting to delate the following information from my file.The items I deleted are listed in the report I am a big team of identify theft and Idid not make the charge.I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the the federal tray, commission identity, theft, affidavit. Please delate this items as soon possible. ''
Product: Credit reporting or other personal consumer reports

Account # XXXX Name : XXXXXXXX XXXX  Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX XXXX XXXX XXXX Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXXXXXX XXXX XXXX Date XXXX Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX Date XXXX Credit Inquiry Resolution : Delete from credit report These accounts were added to my account and I did not authorize for these companies to be added to my credit profile. I have completed a FTC report and sent a letter to these companies about deleting these accounts from my credit report. These companies are in violation of the law. According to 15 USC 1602 ( p ) The term " unauthorized use '' in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1681-permissible purposes of consumer reports. ( a ) general subject to subsection ( c ) any consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my credit report. Please delete these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     2017  I noticed an account the was previously removed was added back on without notification. This is not a valid debt and I should 've received notification that this debt was added back to my credit report.
Product: Checking or savings account

On XX/XX/year>, at XXXX XXXX, I transferred money from my XXXX  Account into my Regions Business Account. The amount was {$3200.00}. Regions stated the account was closed and that the funds would be returned to my XXXX account. They also let me know that it could take up to 7 business days before credit was received. Waited the alotted time, yet funds never credited to the account. I contact XXXX, the show the transfer was completed to Regions Bank. They informed me I needed to wait about 5-7 business days in order for funds to clear and be rerouted before they would credit to the account. After waiting, funds still never credited to the account. I went to Regions Bank to speak with a bank manager and they informed me the deposit was never made. They could not show me where the money went because the account is closed. I informed them that the funds show to have completed transfer from my XXXX account, I spoke with XXXX customer service and funds were shown to be completed and deposited in the Regions Bank Account. I was told to provide a letter from Regions Bank XXXX showing the RTP for funds deposited in order to trace. Regions has not provided me with the information and won't resolve my concern, they say the funds never came through and that their is nothing they can do about it. Even after several attempts to link Regions with XXXX to figure out where the transferred funds went, they have not given me the RTP to show funds even attempted to be deposited or reversed back to the XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX ( Original Creditor : XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

They never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant to rule 1002 and it was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized inquiries on my credit report. I am requesting that all inquiries listed below be blocked and deleted from my credit file, in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) : XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to discuss a problem I found on my credit report. It says condition is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof. If you can't, I need you to delete the account according to the law. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 a. section 2 also states that consumer reporting agencies can not furnish a account without my written instructions.
Product: Debt collection

I have tried many times to have this company remove me from their list. Apparently they are a collection company and I have told them I am not the person they are trying to reach and requested they remove me from their list. A few times the representative on the other end will say ok I will have you removed. More often than not, however, the person on the other end will just hang up on me since I am not the person they intended to reach. 

For example. this morning I missed a call from them. I returned the call to the number in my caller ID, someone on the other end answered and I told them I was returning the call because I missed it. The representative then asked did someone talk to you. I stated no no one talked to me ; I just missed the call and returned the called to the number in my caller ID. The representative then hung up on me. So, I called back. This time I got the name of the representative, XXXX. I asked XXXX for a Manager. She asked if I was the person they were calling for ( but she asked me using that persons name ) and I said no. I gave her my name. I asked again for the Manager. She then wanted me to give her my phone number. I told her she has my number, I just want to speak to a Manager. I informed her that I have spoken to many representatives and been hung up on by many representatives about them harassing me and I 'm tired of it. I want to only speak with a Manager. She offered to transfer me to a Manager 's voice mail. I told her I wanted to speak to a Manager because I wanted the matter addressed and resolved right away. 

We went back and forth for a bit until finally she hung up on me and I never got to speak to a Manager nor did I get transferred to a Manager 's voice mail.
Product: Money transfer, virtual currency, or money service

Coinbase has locked me out of my account. I tried following their instructions to log in but nothing I have done has worked. I have tried contacting them through phone and e-mail but they have not responded.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : ONEMAIN Account Number:XXXX
Product: Credit card or prepaid card

OnXX/XX/2019 I ordered appliances from Home Depot, a XXXX range and an XXXX washer dryer combo for a newly renovated home.I used my Home Deport credit card.  Home Depot Credit Services XXXX XXXX XXXX XXXX XXXX, SD XXXX  My card ends in XXXX.On XX/XX/2019 Home Depot's subcontractors delivered the appliances and damaged my home.  They drilled 6 extra holes in the brand new floor while trying to learn how to install the stove anti tip bracket.   They tried to force the stove into it and broke the leveling leg on the stove. So now the stove sits crooked with a broken leg (see photos).  While driving away, the delivery men ripped wires from the building and damaged my roof where the wires were attached.I had to call 911 because wires were 3 feet off the ground and it blocked traffic and was dangerous.  I have attached photos of the responders fixing it so public traffic would not be impeded.  I have attached photos of a metal rail sticking up on their truck that ripped the wires down.I reported it that day on the phone and on the paperwork (see attached)I incurred $XXXX in repair bills fixing my roof.I have tried filing 3 disputes and all I get told is to deal with the delivery company or call the store.  I didn't buy from a store.  I bought online.  Homedepot.com referred me to their subcontractor who is giving me a runaround.  The credit card company is siding with home depot.  They are biased.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

On XXXX, was offered a XXXX point offer on the American Express site as a pop-up for a Platinum card after internet search. Pop-up advised against navigating away from the page. When I applied, I was prompted to log-in due to an existing Corporate card log-in profile. When I logged in, the offer dropped to XXXX points upon log-in. I chatted with Amex online and spoke to AMEX Customer Service and Apply who indicated a potential issue, but had no way to know if I was targeted for the offer, had no way to retrieve and told me to clear my browser cache and apply again. Applied again and got the XXXX point offer via my corporate card login. Applied and my application was put into pending status. Called Amex - application was missing a country code of US despite having NY address on file. Received approval via phone and email. Advised card would arrive within 24-72 hours. Week later and 4-5 hours of calls with Amex ( on 4 days ) I have no card, no card card number, and lower possible rewards. Apparently technical glitch kept card number from generating. Asked to speak to managers multiple times and was sent to voicemails or people hung up. Getting charged {$600.00} card fee anyway. Unfair business practices - lowering offers and manipulating availability.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on my credit report as a charge off, and that is inaccurate information. I did not get sued and I do not have a judgment on this debt. Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. I want this account to be removed from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC XXXX Balance {$200.00}
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I am not familiar with them, and the company conducted them without my consent.
Product: Credit reporting or other personal consumer reports

I am very upset. My credit report contains inaccuracies and incomplete information. 
My request to correct this information keeps getting disregarded and my credit score is unfairly affected