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

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on Experian results came back on XX/XX/XXXX stating The incorrect account with XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. They're stating the account is " incorrect '' but has not been changed and will remain on your report. Why is that? If it's incorrect, delete it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I sent a second notice letter and submitted a complaint through the mail and their website regarding some disputes on my credit report. I asked for verification of the investigation and the documents used to verify the information listed in the dispute and on my credit report and received an email in XXXX letting me know they did not believe the letter came from me but I can dispute the information online. I immediately replied and said that it was me and even sent a copy of my drivers license for verification when I mailed my request. I have never been replied to and no action has been taken on my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my wife have been going through a divorce process. I found out that she added me to a credit card as a joint user and she claimed on the divorce papers that I have been served to divide half of the debts which is not fair because I never authorized her to add me to credit cards or credit records including federal assistance. I would like to solve this with American Express. I have even called AMEX to report that issue and that is still showing on my credit report/score. I would like all this removed including debts and credit report for the AMEX. I also don't have any knowledge if she is still using the card that's under my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my authorization, and I am requesting their immediate removal from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX and XXXX XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my XXXX XXXX and future opportunities.
Product: Credit card

XXXX XXXX XXXX XXXX credit card was handled Genesis and switched to Concora in XXXX. I did not have a problem with Genesis, but Concora insisted that I needed to pay hundreds more a month than the Genesis payment I had been paying. I continued to pay XXXX a month and despite that, Concora dinged my credit as not having paid for XXXX, XXXX, and XXXX. In addition, despite that I had been paying, I just was notified last night by m y checking account, XXXX XXXXXXXX, that the company tried to withdraw a lump sum of XXXX that I did not approve. I had to block Concora from my account with a supervisor -- who could see that I had been paying monthly and that this was outside of my monthly payments -- so this couldn't happen again. Now, the onus is on me, and I have to mail payments so they don't have my account information- and I fear that because they can't get access to my account that they'll continue to ding my credit because they don't have their way. This is predatory and bullying : They hurt my credit for three months and don't report that I'm actually paying when I am, and then XXXX right into my account for an amount that's FIVE TIMES the auto debit that I'm currently paying already. It is criminal. And now I'm becoming one of those old people who reports things and writes letters, but honestly, these kinds of practices hurt regular people who are trying to do the right thing and make a living who don't have a lot of money.
Product: Debt collection

Citibank began to take XXXX a month without notice nor approval from my checking acct beginning XX/XX/XXXX. I signed a document for Institution that the charges were unauthorized XX/XX/XXXX I advised Citibank that after many tries, they never showed me anything that validated the charges, and never heard from them again, thought it was a dead issue I was later denied a credit card because of their false reporting XX/XX/XXXX I got demand letter from XXXX XXXX XXXX, collection agency, and Citibank had sent the issue to them, further damaging my credit The attached documents are self explanatory
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXXXXXX XXXX XXXX XXXX  and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681XXXX XXXX XXXX  ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1300.00} Credit Limit XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX 2022 Open Date XXXX, 2022 Last Activity XXXX, 2022 Terms Scheduled Payment High Balance {$1500.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off XXXX XXXX
Product: Prepaid card

Trying to get the funds that were loaded onto my card from the IRS. I got my tax return direct deposited to this card and have been unable to get the money deposited in my account. Was told numerous times it was flagged among other issues. Now they told me the money is in my account but for some reason it isnt being released to me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXX Account Number:XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that Equifax data breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report 'em like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX Account Number:XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that Equifax data breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report 'em like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE!
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized credit inquiries on my credit report that I do not recognize. I have previously requested the credit bureaus to remove these inquiries, but they fail to do so. I am now providing an identity theft report ( will be attached to this compliant ). I kindly request that these inquiries be removed from my credit report as soon as possible for these inquiries are not mine and are inaccurate.
Product: Debt collection

I have notified Ability Recovery Service and demand a cease and desist to stop communication with me. Ability Recovery Service failed to abide by federal law in violation of the FDCPA.15 usc 1692c ( c ). 

I have also reach out to Ability Recovery Service requesting information I have yet to receive. 
They fail to cease communication through all mediums pursuant to federal law. All mediums mean telephone, email, social media, letters, and consumer reports. 

My consumer report is in fact a medium and I demand a deletion from my consumer report.
Product: Mortgage

We were approved and ready to go on XX/XX/XXXX ( see below ) way before COVID-19, We closed on the loan on XX/XX/XXXX. Our check cleared our account on XX/XX/XXXX. XXXX was not called about his employment until XX/XX/XXXX a week later. XXXX was notified on XX/XX/XXXX ( see email below ) as well that you could not get his employment verification so XXXX spent countless days trying to get his employer to send verification. Everyone at your company was aware of this. We were told on Friday if we received the letter of employment we would be good to go on Monday. Now you tell me almost 3 weeks later that we can not fund the loan because of my credit score. We applied for the loan way before Covid-19 was an issue. XXXX, you told me today the loan was funded and then unfunded the loan because you could not get employment verification after we sent numerous emails stating we were trying to get it. We have followed through with our end of the deal. It appears to me that someone dropped the ball between XX/XX/XXXX and XX/XX/XXXX which at this point did not allow us the opportunity to cancel the loan. Meanwhile we were told there would be no closing costs and then turned out there was {$4100.00} in closing costs which caused us to have to use our line of credit and thus XXXX 's credit score went down.
Product: Checking or savings account

On Monday at XXXX noon at XXXX XXXX Chase ATM, I deposited cash. XXXX $ ATM broke down and ate the money. The bank won't give me my money. I have called many times but none of them help.
Product: Credit card or prepaid card

This company is currently showing 30 days late for the month of XX/XX/XXXX and 60 days late for the month of XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. These accounts listed 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 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, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website r by calling and paying in person. i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly called the company and paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally request the removal of inaccurate information regarding a dismissed ( or filed ) bankruptcy listed on my credit report. I understand that you may receive information from third-party verification systems, such as PACER. However, these systems are not always accurate due to limitations, such as incomplete Social Security number reporting.

While I understand your policy may involve retaining records of bankruptcies for up to 10 years, the Fair Credit Reporting Act ( FCRA ) clearly states that dismissals or filings should not remain on my credit report if they are no longer valid. Specifically, Section 1681c of the FCRA does not provide grounds for maintaining dismissed or adjudicated bankruptcies.

Additionally, under Section 1681b ( a ) of the FCRA, consumer reporting agencies are required to have a permissible purpose to include information on an individuals credit report. I did not provide any authorization or written instructions allowing you to place this dismissed bankruptcy on my report. As such, maintaining this information on my credit report without my consent is a violation of my rights under the FCRA. 

According to federal law, a dismissed or adjudicated bankruptcy case no longer exists in the eyes of the law. Retaining such information is an inaccurate representation of my credit history, as these cases are deemed legally non-existent. Therefore, in compliance with Sections 1681 ( a ) ( 5 ) and 1681b ( a ) of the FCRA, I kindly request that you delete this information from my credit report and provide me with an updated copy reflecting this correction.

As this request does not require further investigation, I would appreciate your response within two weeks of receiving this letter. 

Thank you for your attention to this matter. 

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

Scam or Fraud on My Credit report as hard Credit inquiry that was not Me thank you
Product: Credit card

I wanted to report that a Sourh Carolina magistrate judge granted Portfolio Recovery Associates a {$2000.00} judgement against me today even though the lawyer representing XXXX had no original account documentation and no chain of custody from the party they claim was the original creditor, XXXX Online bank. The account was opened according to their records in XX/XX/XXXX. Their evidence was three statements. One from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PRA claims they purchased the account from XXXX XXXX XXXX and they simply provided an assignment of a portfolio number. I argued that I did n't even know the original creditor and there was no chain or custody from them to XXXX and no original paperwork showing my signature or the terms. I cited a civil suit that the consumer protection agency won against the law partners of XXXX stating that they are now required to show original account level documentation and a complete chain of customary. The judge allowed a notarized affidavit from a representative of PRA to be used to establish the accuracy and authenticity of their claim although the rules I received from the court said no written witness statement, even notarized were allowed. The judge would not even review the civil case and admonishments from the consumer protection agency against XXXX and quickly ruled against me because I acknowledged I once had a XXXX account. I argued the amount was not verifiable but he did n't care. Does the case you won against them have no meaning for future consumers being affected by the same shoddy, unethical practices? The judge said even if I had won today I would have had to come back for a trial and prove the debt was not mine! And the amount was n't right. How do you defend against that? It 's like if they say you owe them, you do. As far as I can see, PRA, who was also fined and admonished by the consumer protection agency and cooking and winter are back to business as usual and still winning.
Product: Student loan

My old student loan XXXX XXXXXXXX XXXX  management who is no longer in business with the department of education mis represented my payment history and has severely affected my credit in a negative way. I still have the false late payment history listed as XXXX missed payments after XXXX of rectifying. I have lastly seen the payment history dates seem to change a bit but still no removal or rectifying of the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy XXXX XXXX and XXXX XXXX ago. I have a family of XXXX that I moved down to Florida for a better job. I have received a couple promotions since moving here. Please remove the bankruptcy from my report asap. This is preventing me from securing a reasonable loan rate In an already tough housing market in Florida and the economys state.
Product: Checking or savings account

I have 3 accounts with Wells Fargo ( WF ). I tried to open a self directed consumer trust account under $ XXXX. I first went to the bank, with an appointment and they had no notary. I tried doing it on line and by phone with no success. I went to a branch again and I was able to get the forms but had no luck completing the account. The branch people have no idea what they are doing. I called WF while I am at the branch to attempt to get this completed. I spoke to many people and was transferred about 12 times, to every department and Wealth Advisors but nobody could tell me how to complete the documents that the WF branch gave me - form XXXX Certification of Trustee. I have filed within WF and they have gone silent. I am a long standing customer with WF and I believe based on my skin XXXX, ethnicity, having the ability to open a Trust they are discriminating against me and will not open up a Trust account and are instead giving me the run around. Yes I have all the duly executed Trust documents.