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

Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

This debt collector is attempting to collect an unverified debt that I believe does not belong to me. I am unaware of any such company, and I do not owe them any money.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And 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. These accounts [ VA XXXX # XXXX ], [ XXXX # XXXX ], [ XXXX # XXXX ], [ XXXX  # XXXX ], are not complete and accurate. 

[ XXXX  XXXX # XXXX ] open date is not reporting correctly, date of last active, report date, high balance amount, this account is not accurate SYNCB/CARECR # XXXX ] open date is not reporting correctly, date of last active, report date, reporting on report ( XXXX ) this account is not accurate [ XXXX # XXXX ] open date is not reporting correctly, high balance amount, date last active, report date, last payment date, closed date this account is not accurate [ CAPITALONE # XXXX ] open date is not reporting correctly, date last active, report date, closed date, high balance amount, reporting on report ( XXXX ) this account is not accurate
Product: Credit reporting, credit repair services, 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. 

1. Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX 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 writter 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convIctions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' XXXX, XXXX, and TransUnion have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.
Product: Credit reporting or other personal consumer reports

I never gave any written to furnish my private information to any corporations. 
As of XXXX XXXX XXXX  has reported an account to my credit report of {$8000.00}. 
They have violated my rights and have humiliated me in front of my friends, family and work place. 
My credit went from XXXX to XXXX with a months time do to this fraudulent activity. 
Im exercising my rights using federal law and demand these accounts to be removed.

15 US Code 1681c 15 US Code 1692
Product: Credit reporting or other personal consumer reports

There is a " Discover it Student cash Back '' card on my credit report that is NOT mine and I have no knowledge of where it came from. I disputed it both through Discover and XXXX and neither were able to get it off my report. This is now severely affecting my credit score and need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am reaching out because there is some accounts related to a bankruptcy? Showing on my credit report, I have never been involved in any bankruptcy, and this is due to me being a victim of identity theft. I have reached out to the three major bureaus informing them of this fraud on XX/XX/21 and they all claimed that this information was verified, but couldn't produce anything other than saying it was verified on their end. I have submitted the necessary FTC report and Identification that was requested from me in regards to getting these fraudulent items off of my credit report. I was involved in the Equifax data breach and also informed them of that and they said that means nothing.
Product: Credit card or prepaid card

I used my XXXX credit card ( held by US Bank ) in XX/XX/XXXX for an online purchase. I had no problem with the order - they accepted my credit card with my current billing address and I received my purchase at my current address which is the same as my billing address. 
I found out in XX/XX/XXXX after seeing my credit report that US Bank had been applying fees since XX/XX/XXXX which amounted to {$230.00} for not receiving a payment on the card for the XX/XX/XXXX purchase. I called the credit bureau right away and then US Bank to get this taken care of. I have been dealing with this issue since XX/XX/XXXX and have talked to US Bank at least a dozen times to get this corrected. They told me they had sent the credit card statements to my former ( 4 yrs previous ) address in XXXX. And said it was my fault that they did not send it to my correct updated address which they said I had not given them - BUT they had my correct address in XXXX when they processed the online order with my XXXX address. I asked them to send me the statements I had not received so I could see what had happened and waited a month, had to call them back and they admitted to sending those statements to the INCORRECT address AGAIN! 
I filed a dispute with the credit reporting agency ( XXXX ) twice and a dispute with the US Bank. Each time the bank refused to admit to their error in sending the invoices to the wrong address. Of course this all happened within US Bank ( that's who XXXX contacted and supposedly believed them even though I sent them paperwork to back up my issue ). I am now trying to get someone to see that it was not my fault that I didn't get the statements that I would have paid in full if I had. My credit history has been excellent for years ( as is shown by the credit limit on the card - {$23000.00}!! ) As soon as I saw my online order statement I wrote a check for the amount of the order. The bank is still saying I need to pay the late fees in order to settle this matter.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} 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

Target/TD Bank XXXX XXXX XXXX Subject : Request for Account Information - Date of First Delinquency, Date of Last Payment, and Charge-Off Date Dear Sir/Madam, I am writing to request specific information regarding an account reported as charged off on my consumer report. The account in question is listed under [ xxxx ] and is associated with your institution. In order to properly understand the account 's history, I would like to request the following details : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I am requesting this information to ensure the accuracy of the reporting on my credit file, as this data is crucial for resolving any discrepancies or to assess the status of the account. 
Please provide me with this information as soon as possible. I am also requesting that if there are any inaccuracies in the reporting of this account, they be promptly corrected. 
Thank you for your cooperation in this matter. I look forward to your response within the time frame stipulated by law. If you require any further information from me to process this request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have to have annual XXXX XXXX performed at XXXX XXXX XXXX XXXX. 
I am billed directly by XXXX XXXX and pay promptly each time. Since XXXX 2017 I have been harassed by a local attorney 's office that claims I owe {$12.00} to XXXX XXXX. 
I have called the law office and explained I do not owe anything and this is paid in full, provided proof of payment and even had XXXX XXXX XXXX partner XXXX XXXX 's hospital where the XXXX is done verify that I do not owe anything. XXXX XXXX 's has even provided me with a a letter saying my account is current and in good standing - which I have sent to this law firm as well. 
They simply do n't stop. 
So I am filing complaints here, and with the BBB.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts are not mine. My brother had stolen my information and left me with the damages. Please remove it. I am not a mortgage company or a credit repair company. Please remove it. I have supplied you with my personal information. Thanks.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Tried to verify my account. Was hung up on multiple times with no resolution. Never have been sent any type of correspondence regarding this debt.
Product: Debt collection

I, XXXX XXXX, am a consumer as defined under 15 USC 1692a ( 3 ) any natural person allegedly obligated to pay any debt. LINEBARGER GOGGAN BLAIR & SAMPSON LLP violated 15 USC 1692e ( 1 ) the third party debt collector is vouched for, bonded by, or affiliated with the United States or any State. On 9/1/21 LINEBARGER GOGGAN BLAIR & SAMPSON LLP violated 15 USC 1692e ( 3 ) when a communication was sent by the attorney to the consumer. In the communication LINEBARGER GOGGAN BLAIR & SAMPSON LLP used profane and obscene language also violating 15 USC 1692d ( 2 ). I has proof that LINEBARGER GOGGAN BLAIR & SAMPSON LLP violated 15 USC 1692f ( 8 ).
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

I had several fraudulent charges on my XXXX XXXX XXXX in XX/XX/2021. 

I called and reported the fraudulent charges and was issued a new card. 

They only reversed some of the charges. 

A few weeks later I received the attached letter stating they tried to call me with questions about the charges. 

I never received a call and the next day I faxed over the emails from the companies that stole my money stating I need to file a fraud claim with my card company. 

After 10 days I did not receive a response or a call so I sent another fax to the number on the letter they sent me asking why they have not credited the fraudulent charges as the card holder agreement states they would. 

It has been several days since the last fax and I have yet to be contacted
Product: Credit reporting

XXXX bank placed an inquiry on my Experian report, after XXXX sent them over my information which they got in error ; based on misleading information and advertisements practices. However, when I connected XXXX bank questioning the inquiry, they first told me and sent me an email stating they do n't know and do n't see that they ever pulled my credit or who it is from. Even after XXXX advised them of the error that occurred and asked them in writing to get it removed masked and deleted they still kept the inquiry on my report despite several phone calls and emails I myself placed to them which they ignored and disconnected.
Product: Bank account or service

HSA Bank delayed closing my account for over 6 months and continued to charge account maintenance fees. I sent a transfer form to HSA Bank on XX/XX/2016. HSA Bank acknowledged in a phone call with me on XX/XX/2016 that they received the form on XX/XX/2016. During the XX/XX/XXXX phone call, HSA Bank said it would take 4-6 weeks to transfer my funds out. The funds did not transfer out. I called back on XX/XX/2016 and HSA Bank said it would take another 6-8 weeks to transfer out. HSA Bank finally transferred out my money on XX/XX/2016. HSA Bank never indicated there was a problem with the transfer, they just delayed it for 6+ months and continued collecting fees. These were investment funds at HSA Bank and at the new bank that I transferred the funds to. In the time from XX/XX/XXXX to XXXX the investment ( XXXX ) increased in value by over 13 %. HSA Bank 's delay cost me over {$1300.00} in return on investment.
Product: Credit card

I called to close my account. I had my account set on auto-pay the entire time and it still showed that I have an active auto-pay account at the time my payment was due but somehow the auto-pay was cancelled. I contacted capital one and offered to pay the balance due minus the late fee because it was clearly an error. After speaking with a representative and a supervisor Capital One refused to remove the fee and told me I would have to pay it.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally express my concern regarding a recent issue with [ Name of Credit Reporting Agency ]. I filed a complaint and provided all the necessary supporting documentation for a disputed item on my credit report. Despite my efforts to ensure that the information was complete and clear, the credit reporting agency did not conduct a thorough investigation. 

It appears that the agency either overlooked critical evidence or failed to adhere to the investigation standards required by the Fair Credit Reporting Act ( FCRA ). As a result, the disputed item remains inaccurately reported, which continues to have a negative impact on my credit score and overall financial standing. 

I believe this issue needs immediate attention to ensure that consumers are provided with fair and accurate credit reporting. I respectfully request that the CFPB take appropriate action to ensure that the credit reporting agency fulfills its obligation to conduct a proper, comprehensive investigation of my complaint. 

Thank you for your time and consideration. I look forward to your assistance in resolving this matter. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate. 
XXXX XXXX XXXX- {$170.00} XXXX XXXX- {$270.00} XXXX XXXXXXXX XXXX- {$500.00} XXXX XXXX {$510.00} XXXXXXXX XXXX- {$570.00} XXXX XXXX {$640.00} XXXX XXXX {$750.00} XXXX XXXX- {$1100.00} XXXX {$1100.00} XXXX XXXXl- {$1200.00}
Product: Debt collection

I stated that this what I need them to provide to me and he threatened that he was not going to provide these documents listed below. I want a debt validation claim according to 15usc1692g I want these things a detail list Of a payment history on this account. Next I want to see the original signature where I agreed to on this contract for this creditor. Have there been any insurance claims filed of this debt? I want to see the change of title that you all have to collect on this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX : This is a Self-Attestation that I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
This fraudulent Credit card XXXX XXXX XXXX opened on XXXX XXXX XXXX  account number ( XXXX )
Product: Credit card or prepaid card

The Credit Card was compromised on XX/XX/2020. Was reported on XX/XX/2020. Payment was stopped on XX/XX/2020. Capital One Customer Fraud Protection, XXXX ( ph XXXX Ext XXXX ) found no instance of fraud on XXXX and recharged the {$270.00} from XXXX XXXX to the replacement Credit Card # XXXX XXXX XXXX XXXX. 

The original order was purchased under an email address other than mine, thus I never had contact with XXXX XXXX about the purchase nor had I ever purchased anything from them. The original card was never lost, information was stolen some other way. The unknown purchaser did not override the mailing address on the card thus the purchase was mailed to the address on file with the Capital One Card to me. Days later I received the package from XXXX XXXX. I was unable to contact XXXX XXXX for several days to return the order which I did not place. They did not return any of my calls. Informed Capital One of the problem and was informed not to worry about the return. They would take care of it. 

The {$270.00} was recharged to the new card on XXXX and I contacted Capital One again and closed the replacement card. Tried again to contact XXXX XXXX and succeeded. They understood the problem and forwarded a return label and stated they would process a refund when the product was returned. Received an email from XXXX XXXX XXXX stating the refund had been processed. Capital One never received the refund. Checked back with XXXX XXXX and they emailed on XXXX to contact Capital One and " request for the chargeback to be reversed. '' Contacted Capital One and was informed " such a thing didn't exist. '' XXXX XXXX now has the product and the {$270.00}. Capital One will not credit my account even though the purchase was fraudulent in the beginning. 
As further evidence that it was fraud ; another charge occurred at the same time and was resolved without an issue. 

I'm in the process of filling a Fraud complaint with the Federal Trade Commission about XXXX XXXX, in the meantime I'm stuck with Capital One threating late fees for none payment.