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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX XXXX. XXXX XXXX Bank * Account Number : XXXX * Last XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. 
States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
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 Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Received a credit alert regarding an inquiry on XX/XX/2018 from Chase Card. I did not apply for a credit card or no other type card, I only attempted set up XXXX with XXXX.

The transaction was unsuccessful because the recipient who has XXXX does not offer XXXX   through XXXX only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with EXPERIAN, regarding that an account that is showing on my credit report that I did not authorized to be open. 
The account is : XXXX XXXX - XXXX XXXX, and EXPERIAN came back saying this is a valid account, but did not provide of Affidavit of Debt or documentation that I actually opened the account. The other 2 credit reporting bureaus removed the account because they were able to verify that this was not my account.
Product: Credit reporting or other personal consumer reports

Aldous was informed by original creditor ( XXXX XXXX ) that the account was satisfied as it was an error on the clubs behalf. 

Aldous stated theyd remove the collection from my credit but has yet to do so. 

This is impacting my financing ability.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, INNOVIS, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a XXXX from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 
These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for several years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit reporting or other personal consumer reports

I am writing to dispute and formally report unauthorized activity on my credit profile. I recently discovered that my credit report reflects several inquiries and activities I did not authorize. After reviewing my credit report in detail, I believe my credit profile may have been used fraudulently. 

These inquiries include attempts to run my credit on multiple occasions, none of which were initiated or authorized by me. This unauthorized activity has raised significant concerns, and I would like to take immediate steps to resolve this issue and protect my creditworthiness. 

To address this issue, I have made efforts to contact the companies responsible for the inquiries, as well as the credit reporting agencies. Despite my attempts, I have not received the written explanation I requested regarding these unauthorized activities. This lack of response has further complicated the situation and heightened my concern. 

To support my claim, I have included copies of my recent credit report highlighting the unauthorized inquiries in question. I request that you : 1. Remove the unauthorized inquiries and any related inaccuracies from my credit report. 
2. Investigate the origin of these fraudulent activities. 
3. Provide confirmation of the resolution in writing. 

For additional verification, I have enclosed copies of my government-issued ID and proof of address. If further information or documentation is required, please do not hesitate to contact me directly at [ Your Phone Number ] or [ Your Email Address ]. 

I appreciate your prompt attention to this matter and look forward to your response. Please let me know if there are any additional steps I should take to ensure this issue is resolved. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Enclosures : - Copy of recent credit report with unauthorized inquiries highlighted - Copy of government-issued ID - Proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit reports are different when compared with my equifax and XXXX is completely different compared to other two. 

I do not have any closed accounts and still these credit reporting companies show as closed accounts XXXX  - inaccurate information on my credit XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - inaccurate information on my credit report XXXX. XXXX XXXX XXXX. XXXX XXXX  Equifax - inaccurate information on my credit report XXXX. XXXX XXXX
Product: Checking or savings account

My debit card along with other items were stolen from my house by an individual that I know. I filed a police report and got a restraining order because he admitted to stealing my stuff thru text and via phone and started making threats when he refused to return the items after I told him I was going to the police. The bank closed my dispute and stated that the transactions were authorized when I have proof that it wasnt. The bank stated that the transactions were authorized because a valid pin was used however my old pin is a pin that I use for everything ( phone lock, voicemail, debit cards, ebt card etc ) because it has a meaning behind it. The transactions were not authorized and I feel as though this is unfair to suggest it was.
Product: Credit reporting or other personal consumer reports

of XXXX XXXX, My name is showing as an old name. Also there are three addresses showing as my current. I contacted the creditor that was stated as showing a different name. However the 1 Creditor shown as reporting using my old information, is reporting using my correct current name. I don't see any creditors reporting using my old name. I called on XX/XX/XXXX  to inquire about the instructions for updating my personal information showing on my credit report with Experian, and also my membership information with Experian. I was shuffled around to seven different people from the Disputes Dept, Membership Dept., Fraud dept. and the Smart Money Dept. I was on the phone for 45 minutes. Still have no instructions pertaining to the correct way to update my name to what it was and address.
Product: Credit card

A company called FBCS is trying to collect on a debt from 10 years ago on behalf of XXXX XXXX. A debt that no longer exists. I have double checked my credit report and this debt is non-existent. I explained this to them today and claim they will " remove '' the account. We will see. They have called numerous times, but I gave them the run around until I could verify it was a legitimate company and not just a scam. Surprisingly it is a legitimate company trying to collect an illegitimate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I determine the accounts listed below be removed because according to 15 US C 1681 : I have the right to privacy and I did not give Equifax within permission to furnish the accounts Equifax Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : XXXX XXXX XXXX Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : XXXX XXXX XXXX Condition : XX/XX/2023 XX/XX/2023 XX/XX/2023 Responsibility : Individual Individual Individual Remarks : Account # : XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$1100.00} {$1100.00} {$1100.00} Type : Credit Card Credit Card Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend >> XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$180.00} {$180.00} {$180.00} Type : Credit Card Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend >> unkown XXXXunkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown unkown XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Condition : Derogatory Derogatory Derogatory Balance : {$1600.00} {$1600.00} {$1600.00} Type : Charge account Charge account Charge account Pay Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff unkown unkown unkown unkown Two-Year payment history Legend XXXX> unkown XXXXXXXXunkown
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, OH XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX , I do not own these phone numbers please delete : ( 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

Company put these inquiries on my credit without my consent. I have no business with these companies at all. XXXX XXXX, 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
Product: Mortgage

I have an FHA mortgage with SPS Servicing. I went through a trial modification and was offered a modification that was not acceptable. I have asked for alternative foreclosure prevention that they outlined in their correspondence to me. When I asked about it they said they would not work with me on any of the alternatives. They failed to follow FHA guidelines while foreclosing as they have not offered to meet with me face to face to discuss my modification or alternative foreclosure prevention.
Product: Credit card

AMERICAN EXPRESS CARD SENT ME A CREDIT CARD OFFER FOR MY BUSINESS. I APPLIED WITH MY XXXX SCORE AT XXXX WITH XXXX XXXX AND XXXX BALANCE ON ALL ACCOUNTS. AMERICAN EXPRESS CAMR BACK SAYING IT WAS DENIED AFTER SENDING ME AN OFFER TO APPLY. PLEASE FIX THIS CROOKED PROBLEM
Product: Debt collection

Can you verify that the information reported is 100 % accurate and that you can fully verify its accuracy. Otherwise, will you please remove from my credit. Complete deletion from all credit bureaus. 
Creditor Information : National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently was checking my credit report on XXXX to find I have an XXXX XXXX XXXX debt on my report which is not mine ; please help remove this as I don't have a recollection of this account, they have not supplied any information as to the address which this account was attached to. There is also a Khol 's debt which was previously taken off my credit report and is now showing on my report again. Please help me with this as I have never had a Khols credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXXXXXX XXXX XXXX and American Honda Finance. The Account Opened is XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. The Account Opened is American Honda Finance Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card or prepaid card

I added XXXX XXXX as an authorized user on the account ( XXXX ) in XXXX, on XX/XX/14 I confirmed she was added with the representative I spoke to. It is reporting to her credit report as an authorized user. When I spoke to the issuer today XXXX at XXXX XXXX speaking with XXXX they stated they are having issues adding authorized users, and that they are not reporting to the credit bureau, this is obviously incorrect so either they are misinformed, or lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

I made an order on XX/XX/year> at XXXX XXXX. XXXX was lost and said so in the UPS tracking on XX/XX/year>. Company that sent package stopped answering when the package was updated as lost. Contacted Chime bank and started a dispute, they returned my funds on XX/XX/year> then took them back on XX/XX/year> and stated that they denied the chargeback even though UPS stated package was lost and not received. Called bank twice and they said they would return my money and open an internal investigation. Money hasnt been returned and they continued to take my money until account was positive. So now Im out the money from the original order plus what the bank took costing me twice for a package I didnt receive.
Product: Payday loan, title loan, or personal loan

LendingPoint LLC is refusing to provide me with a copy of the loan application that a dental provider submitted to LendingPoint on my behalf unless I pay the alleged balance on my account.I understand that in or around XX/XX/2021 LendingPoint approved me for a loan of XXXX to be applied towards dental services provided by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I believe that XXXX XXXX  which submitted the loan application to LendingPoint, falsified my income information on the application inan attempt to ensure its approval. I do not have a copy of the application, so I am unable to review it to confirm weather it contains falsified information about my income ( XXXX XXXX XXXX XXXX and received only XXXX ) .On or around XXXX XXXX, I called LendingPoint to request a copy of the loan application.A representative told me that I could not get a copy of the application unless I paid my balance.Without a copy of the application, I can not determine whether XXXX XXXX  submitted false information to secure the loan, which is preventing me from taking other steps to address the loan.
Product: Credit reporting or other personal consumer reports

I am reaching out concerning unauthorized inquiry made on On XX/XX/2024 by Truist Bank, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I received a notification regarding a hard inquiry reported by XXXX XXXX. I contacted Truist Bank directly and they denied having pulled my credit report. XXXX however verbally verified that there was a hard inquiry from Truist Bank. I did not apply for credit nor give Truist Bank consent to pull my credit. I am demanding that this hard inquiry be removed immediately.
Product: Mortgage

XX/XX/XXXX I contacted Rushmore Servicing regarding them force placing insurance on my mortgage for XXXX and XXXX received a reply that they had received our insurance documents on XX/XX/XXXX I heard back from them on XX/XX/XXXX. I sent them by e-mail my insurance policies for XXXX and XXXX - XXXX on XX/XX/XXXX. I did not hear from them so I called and after 15 or more tries I did reach the escrow department. I was told that they had not received my policies. On XX/XX/XXXX they requested that I send them proof of premium payments and I sent them over along with a second time both policies for the XXXX and XXXX policies. The last payment they kept for my Mortgage payment was in XXXX. When I sent XXXX they refused the payment same as XXXX, XXXX and XXXX. I can not reach anyone on the phone. I just get recordings and what to connect to but never a person. I am XXXX XXXX XXXX only owe {$36000.00} on my home and I feel they are trying to take it away. When I call and they have my account the recording says my mortgage was released in a bankruptcy and nothing is due on my mortgage but they continue to send that we owe escrow. This is a mess and I don't think they are even trying to get it corrected.
Product: Student loan

I am the co-signer on my Son 's student loans. When my son was preparing to go to College XXXX was willing to loan him the money but the interest rate was extremely high and they advised if he obtained a cosigner it could lower his interest rate. I could not afford to pay for my son 's College so I agreed to cosign the loan because at that time we were told that I could be released at a later date once the student proved that he was able to make the payments. I contacted Navient to find out what we need to do to have me released as his co-signer. They state that he MUST graduate, which he did n't and he does n't intent to go back to school due to the costs associated with it. He now has a really good job and has been paying back his student loans. The Navient representative I spoke to stated that because he has not completed his course of study I can NEVER be released as cosigner. I ca n't believe that there is NO way to release a cosigner if you did n't graduate. That is discrimination as far as I am concerned. Is that even legal to not have a way for a cosigner to be released?? My husband and I would like to purchase a home but we ca n't obtain financing due to my cosigning of the student loans and it makes our debt to income ratio to high.