23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have used a CITI bank XXXX XXXX XXXX  card for the past 35 years. I have used the card because I am XXXX and XXXX. I have to travel with an XXXX The advantage miles allow me to purchase XXXX seats for me and my XXXX 

I have used the card twice in the past 35 years in order to attend XXXX XXXX. I am XXXX XXXX XXXX and can not travel XXXX 

When I contacted the XXXX XXXX service on XX/XX/2021, I was told that XXXX points had been used for a trip to the XXXX in XXXX, 2021. II told them that this was fraud. I have never authorized anyone to use the card and my name is the only name on the account. They put me on HOLD for 77 minutes.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023
Product: Credit card

I closed my Credit Card account with Barclay Bank in XXXX XXXX. On XXXX XXXX, XXXX I was notified by email that I have a new charge on the account. I called Barclay and they confirmed the account was closed but said they charged the account because it was a subscription charge. I stated that does not matter the account was closed - no new charges should be allowed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am writing to notify you that I am a victim of a data breach, and as a result, several fraudulent accounts have appeared on my credit report. I am requesting that all such fraudulent accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX - XXXX - XX/XX/XXXX - {$8300.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

IMMEDIATELY REMOVE un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IMMEDIATELY REMOVE tradelines XXXX XXXX XXXX
Account:
XXXX XXXX XXXX XXXX
Account:
XXXX  

Account #:
XXXX XXXX XXXX XXXX XXXX
Account:
XXXX XXXX XXXX  Account: XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Through my credit monitoring, I realized that my ex husband had added me on to XXXX of his credit card accounts as an authorized user, he did not ask my permission to do this. I phoned each credit card company, all three removed my name and advised that I should contact each credit bureau, they will investigate ( gomto each credit card company to verify ), then they will delete the accounts from my credit reports. I phoned all three bureaus, all three opened an investigation and only experian decided they were not going to delete the account. Both XXXX and XXXX, confirmed that I am no longer on this account and deleted it. 
My complaint is that experian has this XXXX card account listed on my credit report when I have nothing to do with it. Credit One HAS deleted me as an authorized user and I would like Experian to do the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 To whom it may concern, THIS letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681 e ( b ) compliance and procedures ( B ) Accuracy of Report 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. 
Otherwise, anyone paying for your reporting services could fax, Mail or email in a fraudulent account. I demand to see verification proof ( i.e an original contract with my signature on it ) that you have on file for the account listed or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts Has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be deleted and if you are unable to provide Me a copy of verifiable proof, you must delete the account listed below. 
I DEMAND THAT ANY ACCOUNTS BE VALIDATED OR DELETED IMMEDIATELY. 

In addition, Delete All non-account holding inquiries over ( 30 ) days old, also, please add a promotional suppression to my credit file.

Under Federal law, you have ( 30 ) day 's to complete your re-investagation. Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 15 days of the completion of your re-investagation, Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate and unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for systemic issues, including its failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not properly notifying consumers of dispute outcomes. These allegations mirror my own experience, as Experian has neither corrected nor removed the disputed items despite the evidence I provided. This ongoing inaction continues to harm my credit standing. I am requesting immediate corrective action to remove or amend the following disputed accounts : Account info Account name XXXX Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Balance {$560.00} Account name XXXX XXXX Account XXXX XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Balance {$210.00} Experian 's failure to address these disputes is a violation of federal law and my rights as a consumer. I expect prompt action to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CARD : XXXX Date : XXXX of 2022 Payoff {$340.00} Date paid : XXXX, 2022 I got COVID during the month of XXXX My payment records were excellent I had auto payment ON on my account with XXXX The credit card reported a 30 days late on my payments. As soon as I noticed that LATE PAYMENT, I called XXXX and they said they will fix the error. I went ahead and paid the full balance at that time to avoid more problems. I didnt owe much anyway and paid. 
XXXX said I removed the auto payment which I dont recall doing. 
I asked them to fix the 30 days past due and they said several time they will do it but they lied and they never did. The 3 credit agencies XXXX Transunion and XXXX got the report from XXXX with the 30 days past due. 
I asked XXXX to remove the bad credit as I was an excellent payer and that with the COVID I may have done a mistake or error with the account ( I got brain fog ) I still dont know what happened. 
They said they will but they never fixed it.

I sent COVID hospital reports and still they didnt fix it It is hurting my good credit
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Debt collection

On XX/XX/2018 at or around XXXX, I received a phone call from a blocked number stating that they are from the county, and are wanting to meet up with me to have me sign a legal document, and that I am being sued by the company filing the paperwork. I was instructed to call ( XXXX ) and reference a file number. The number provided is for a collection agency called XXXX. XXXX informed me that it is a debt with a company called " Account discovery systems '' who hired them to collect a debt from the originator ( XXXX ). When I asked XXXX to validate the debt, they asked for my email to email me the validation. I denied- as I wanted to send them a formal letter asking for proof of the debt. They denied providing their address and claim that they're not allowed to provide their address. I had stated that I want proof that I owe the debt, however the person who I was speaking with, became irate, and belligerent stating that they will close my case and suggest legal action if I don't pay.
Product: Credit reporting or other personal consumer reports

15 U.S. code 6802 A financial institution may not disclose financial information to a third party umless I give consent. I.e Taking my information and giving it to someone else ( Equifax, XXXX, XXXX ) seems to be a direct case of identity theft! 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Acct # XXXX Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Act # : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last XXXX digits of acct ; XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Hello, I Disputed fraudulent inquiries with credit bureaus XXXX And Equifax and attached all required forms for dispute, i received letter at home saying that they dont believe that dispute opened by me, i called multiple times and verified that the dispute were opened by me and they didnt remove it. Please request them to remove this fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XXXX- UNAUTHORIZED INQUIRY XXXX  XXXX  XXXX-UNUTHORIZED INQUIRY XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a XXXX balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by COVID-19. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section 4021 of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with XXXX, XXXX, or Experian and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt was still reporting. I immediately called and settled this debt as I had completely forgotten. I never received any notices, calls, letters, etc about this debt. This violates my 30 day right to dispute under the FDCPA and FCRA and it must be removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX XXXX BALANCED {$4900.00} XXXX - XX/XX/scrub>XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX account # XXXX and XXXXXXXX XXXX XXXX Account 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 a account without my written instructions
Product: Debt collection

I am writing to bring to your attention a critical issue concerning my credit report. Despite previous disputes and requests for the removal of fraudulent accounts, my credit report continues to display inaccurate and unauthorized information, which is severely impacting my creditworthiness. 
I have identified the following fraudulent accounts on my credit report, and I insist on their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are not only unauthorized but also damaging to my credit score and financial reputation. I have previously submitted disputes regarding these fraudulent accounts, yet they persist on my credit report. It is evident that the bureaus have failed to thoroughly investigate and rectify the situation, and instead, additional fraudulent accounts continue to be reported.
Product: Debt collection

I offered to settle the amount owing to XXXX in full upon them furnishing the original instrument of indebtedness in its original form. I communicated with them 3 times over the course of several months. I had asked them to provide this verification of the debt legally existing by XX/XX/2020. Not only did XXXX make no attempt to provide me with the original instrument that created the liability, but XXXX didnt even reply to my communications with them. They did, however, harass my extended family members with phone calls. They called the same family members multiple times, informed them that I have a debt, and asked them to pass on messages to me. They did this even though they already had all of my information about how to contact me and communicate with me. Due to their inability to provide the original instrument of indebtedness, I informed them that I considered the matter between us to be legally and financially settled. When they finally did reply to ME and communicate with ME, on XX/XX/XXXX, they included something that was NOT the original instrument of indebtedness and continued to try to collect the debt. The letter from XXXX was simply signed XXXX, Customer Communications. There is no last name because nobody wants to be held liable for pursuing to collect an unverifiable debt. 

I am now being harassed by PHEAA, Pennsylvania Higher Education Assistance Agency, with whom I have no contractual relationship. They are third party interlopers, have no knowledge of the matter between myself and XXXX, and have no business what-so-ever harassing me. I have disputed the debt with them and informed them that the debt was legally and financially settled. 

It seems to me that there is no original instrument of indebtedness in existence which, again, settles the matter legally and financially.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my approval, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, 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. The following inquiries are unauthorized, and I ask that you DELETE the following XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft there are numerous credit cards and loans taken out of my name without my consent or authorization I have Filed a police report Concerning these matters my credit report shows credit cards that is open in my name that Ive never authorized