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

XXXXXXXX XXXX XXXX and XXXX XXXX  XXXX both have unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has 2 unauthorized credit inquiries on my Transunion credit report. I did not authorize these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX RXXXX XXXXG ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Student loan

The company -Mohela- told me that any money received was applied to interest accrued before the principal. This is ridiculous. Payments paid should be applied to the principal directly, then when the principal is paid off payments can be paid on the interest that had been accrued. This is a ridiculous practice and keeps students in debt longer doing it this way. By allowing loan companies to do this, the government really isn't helping the student loan problem.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

In the last six months I was looking at cars. I had a used car dealer run my credit 8 times that I did not authorize. After a few months I saw my credit report and was shocked I had so many inquiry 's on my Experian credit report. I did not authorize these inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these unauthorized inquiry 's to be removed. These inquiry 's are negatively effecting my ability to use my credit. There should be more control over people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.
Product: Credit card or prepaid card

On XXXX XXXX my credit card was stolen and used at a store fraudulently and i got charged XXXX $ by Chase. I reported the card the same day of XXXX XXXX and the dispute was filed. The bank denied by dispute without any reason other than starting we did our investigation. I tried to appeal again after trying to get in touch numerous times yet their fraud claim number never works and had wasted hours n hours just to attach further proof that i had i.e a police report. I have emailed them and called them and there is no response from them yet somehow they filed the appeal without taking any proof from me or even acknowledging my police report and just few days ago denied my appeal as well stating the same reason that their investigation was done properly. I am emotionally distressed with taking out time from work just to call them so many times to find no answer and financially burdened with this amount and having not able to get in touch with the bank especially having 4 cards with them and never ever missing any payment and having a good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I noticed a collections for a credit card I opened but never used. And called and cancelled it before even authorizing the card, in XXXX. The card was for {$500.00}. I noticed in XX/XX/XXXX, a weird looking collections appeared on my credit report. No delinquencies are showing, I've NEVER received anything in the mail. It's showing a solid {$500.00} debt and that's. Some committed credit fraud under my name. 

What I believe happened, is that when I contacted the call center to cancel in XXXX, someone from that company used the card and reported it in a weird manner. So that it could not be detected right away. Now, I have credit cards and I OWN those bills. 
THIS DEBT DOES NOT BELONG TO ME. 



I contacted the credit bureau to find out what company this card belonged to. 
I was advised that it was a COMENITY BANK, CREDIT CARD. I contacted COMENITY and spoke with an account manager in charge. She told me they see that I had paid and closed all cards wit them. At that moment the manager said that she would resubmit a paid in full to the credit bureau, to remove the collections. That did not work. XXXX XXXX still trying to collect on a debt I have no knowledge of.
Product: Credit reporting or other personal consumer reports

The inquiries listed on my credit report do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I accidentally clicked on what I thought was a Pay Pal fast pay option that signed me up for Pay Pal credit. 
I attempted to remove it on line but you can not. 
I had to call and have the account removed, the whole process felt it was designed to deceive the consumer, and it was not easy to cancel the credit Even though I cancelled the credit within 24 hours, there was a hard enquirer on my credit report.
Product: Credit reporting or other personal consumer reports

I contacted XXXX about old accounts reappearing on my report as negative. I asked them to update this information. They are reporting XXXX negative accounts. I only have XXXX accounts that is open and they are not negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal because they also violated my rights under : 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.

Also the credit bureaus took more than 30 days to complete my investigation.
Product: Checking or savings account

Recently I start looking at my bank statements and relied I am receiving much more money than is deposited in my account and the has been withdrawn from my account I only receive direct details from social security but I gave multiple copies of bank statements as far bank as XX/XX/XXXX of excess funds till present day XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2022 I logged into my Bank of America mobile application and noticed XXXX was missing from a savings account. I did not authorize this transaction or get any notice this transaction was being made. This caused me to look into my XXXX account for fraudulent alerts and I found that I was a victim of identity theft. There were nearly a dozen credit applications made in my name to many different banks and credit unions, there was also attempt at receiving a loan in my name, and two cars rented in my name from XXXX XXXX. I filed a police report with two different stations, XXXX in XXXXXXXX XXXX and the other in XXXX, XXXX XXXX of the vehicles that was rented in my name ended up getting reported stolen and had XXXX XXXX so the police department was able to track down the car and find it. There was a women arrested that was found in possession of the stolen vehicle, and had my ID and a debit card opened in my name in her purse. Ive reported the fraud to my bank XXXX Bank of America ) and there has been no movement whatsoever in my claim. I have also reported fraud to XXXX, XXXX XXXX, and XXXX, and called the other banks and credit unions to report the fraud for the applications opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

In XXXX, due to identity theft, a person was able to access my Experian account. They were able to actually change the email address on my Experian account. This person was able to do this because unlike most services, Experian inexplicably does not offer XXXX factor authentication on their accounts. Anyone who knows some basic information about a third party can relatively easily fraudulently access the Experian account of that person. Someone who has already stolen data like social security number can use this stolen information to gain access to an Experian account. This is what happened to me. 

When I found this, Experian did lock my account. They advised me to send in certain verification materials, such as proof of residence, legal photo identification, etc. I did this and confirmed via XXXX that my materials were delivered to Experian on XX/XX/XXXX. These investigations are supposed to take XXXX business days, but it has been more than 2 months and I have heard nothing. When I email to ask about the status, I only get extremely vague answers, like this XXXX from XX/XX/XXXX : " Since there is a lot of pending request, Please wait for the confirmation email. '' It has been almost a month since then and nothing. 

I need to lift freezes on my Experian account to apply for a new credit card and for a credit check that will be done on a new apartment, but my account is locked due to this issue. There is no indication as to when it might be resolved.
Product: Credit card or prepaid card

I recently found out I no longer have any credit score with the credit reporting agencies and decided to apply for a personal card through American Express since they have access to my 22 year history with my Amex Business card. This card is still in use and the payment history is spotless. I got this in XXXX when I owned a small business that sold in XXXX. I have used this card for personal use since then. 
I applied by phone and the agent told me I was turned down. He said he didnt have access to the reason and, after some discussion, transferred me to the New Accounts Department. I asked the representative if he was able to access my credit history with American Express, which he promptly did. He thanked me for my 22 years of being an excellent customer in good standing and thanked me for using American Express. 
I then told him I had just been turned down for an Amex personal card and asked him if he could access that information, which he did. He then informed me that I was turned down because I have NO CRDEIT HISTORY. At that moment, I was speechless. 
I asked him if he really just said that to me. I heard vocal sounds like he was starting to reply then, he was speechless. Finally, he said, I see. I understand. He said he would turn the application over to the underwriters for personal review. 

Yesterday, I received a letter informing me that my application for credit was reviewed by a supervisor and turned down due to NO CREDIT HISTORY. 

Im XXXX years old. I opened my first bank savings account when I was about XXXX years old and, with it, I had enough for 50 % of a downpayment on my first house in XXXX. I got my first credit, a credit card, at age XXXX. I have had numerous mortgages, loans, business loans and credit cards over the years in good standing and all paid in full except for my existing Amex business card, which has a very high credit limit, is paid many months in full and is in good standing. 

I am unable get a personal credit card. I am unable to establish credit. 
I know of folks who have had serious financial troubles and a very low credit score and they were able to get a credit card. 
I can not. This situation is crippling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2017 XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XX/XX/XXXX XX/XX/XXXX account XXXX, XXXX, XXXX and other accounts from them have violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX, 2017 XXXX XXXX XXXX XXXX started ringing my phone with no stops that I owe {$1200.00} plus another {$160.00} to XXXX which I do n't know since when. I have never been to XXXX. What 's going on?
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/year> I made a payment of {$820.00} and it said received, few days later it says payment reversal. I call aidvantage and they to cal my bank to see why it never went through. My bank ( XXXX  ) stated they never received a transaction from aidvantage. I called aidvantage back and explained what the bank said and the representative said they see I made a payment but couldnt tell me why it was reversed. Then I was told I was going to receive an email stating why. I Never received an email. I triple checked my routing number and account number which it was accurate and correct. All my other transactions and payments such as credit card bills and incoming checks from working are processing fine through the same checking account. 
Im thinking they are holding off my payments until they get interest. I am just trying to pay off my loans. Can someone please assist with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? 
For their convenience I have listed the alleged accounts in question : XXXX. XXXX XXXX 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 card or prepaid card

When I obtained my card with secured XXXX XXXX with CAPITAL ONE ending in XXXX, I was informed that my account would be reviewed to become unsecured periodically. My credit score has increased to around XXXX currently. This would be a score that most normally would qualify one for an unsecured card. I make multiple payments per a month and the account is paid to {$0.00}. Customer service agents now report that the card will never transition to unsecured. How can that be so? Does CAPITAL ONE regularly change what they tell customers? The company is holding my security deposit. I do not wish to apply for a different card or start a new account. Capital One should review my payment history on this card and also my auto loan and consider following through with unsecuring my card as promised before I close both accounts and move my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fnbo is violating my rights and reporting in correct information on my credit report. They are reporting late payments for months I have made on time payments on. I am in the forbearance program and was told my account would me listed current paid as agreed not late as I am paying now and the money is being withdrawn from my checking accounts. This company lied from the time I enrolled in the program and told me my credit report would be update and current with no lates now they are reporting XXXX XXXX and XXXX late but I have been on time. This is violation to report incorrect information to the credit report agencies. I enrolled in the program in XXXX the letter clear states previously reported delinquency these delinquency that they are reporting are current new delinquency after I enrolled in the program which is not what the contract states. They are not following the details of the hardship program which is against the law they enrolled me in a program and taking my money monthly to still report inaccurate information harming my credit..they are also reporting different months on all different credit reports