23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the XXXX to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. I request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Block and Delete Accounts and Inquiries Mentioned Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am writing to bring to your attention that I am a victim of a data breach that occurred on [ Date of Data Breach ]. As per the Federal Trade Commission guidelines on identity theft, I have taken immediate steps to protect my personal and financial information.

In this regard, I am writing to request that you block and delete all accounts and inquiries mentioned below, which were fraudulently opened or accessed by the identity thief without my knowledge or consent. I request that these accounts be completely blocked and deleted pursuant to 15 USC 1681c-2 ( a ), as they pertain to my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have also filed a police report and notified other credit bureaus of the data breach. I request that you take immediate action to block and delete all accounts and inquiries mentioned above to prevent any further damage to my credit report or credit score. 

Please provide me with a written confirmation once the requested action has been taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for a personal credit card with bank of America on XX/XX/2023 and the system got denied with no reference number or letter been sent to my address then I called after 3 weeks and been told sorry for not sending the letter we will send you one within 3 days and never got it, then I called after a month and a half and been told i got denied for business account issue i co signed, I asked the representative this is personal credit card and there is nothing to do with business accounts she said you can request reconsideration and she said they have to pull my credit again which is they did and Ive got denied for the same reason with no letter or reference number at all, when i asked to remove the hard inquiry she refused my request
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a recent investigation of my credit profile I was informed of the suspicion of someone possibly having access to my SSN. My SSN was lost during my time in high school and i was issued a new one around XXXX 

Hard inquires that i dont recognized, didnt authorize or dont remember applying for are ; 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a purchase for {$430.00} for a XXXX on XX/XX/2022, I contacted the XXXX company in XX/XX/2022 and told them I wanted to return the XXXX and get my money back because the XXXX wasn't as described/advertised and it had malfunctioned. The XXXX company refused to provide a return address so I can return the XXXX and they didn't provide my refund. On XX/XX/2022 I spent {$520.00} on auto insurance in which I canceled the insurance by turning in my car plates, the insurance company didn't provide me with auto services so I contacted my bank to put in a dispute and my bank is refusing to provide provisional credit for both claims. I made the debit purchases with Bank of America both transactions were not wire transfers to another bank. On XX/XX/2022 the bank closed my account without notice and they put my claims on hold. I do not like this bank this is bank malpractice that they're committing because although I don't care about not doing business with Bank of America I do want my provisional credits and I doubt they will be in my favor regardless of any evidence I submit because they have a habit of committing business malpractice and consumer fraud. The provisional credit for both transactions is a total of {$960.00}. The Bank is violating banking regulations by not providing my provisional credit and retaliating against me for complaining about them and submitting claims by closing my account without notice and closing it without issuing provisional credits. They can close it at any time Im not dissatisfied with them closing my account however they are a bank service and bank services are not supposed to steal and close it while there are active claims, so I want my provisional credits. I also have a current remaining balance in my account and they haven't sent me a check for it. I have two more disputes of {$65.00} and {$27.00} I explained that I didn't receive services from the merchant for the {$65.00} and {$27.00} transaction I spoke with a representative on XX/XX/2022 around XXXX XXXX, and on XX/XX/2022 around XXXX XXXX I recorded my conversations/phone calls with bank of America XXXX
Product: Credit card or prepaid card

My Chime Debit card was charged {$480.00}. I didn't make this purchase and I immediately sent chime this information. 

" So this transaction I'm disputing happened right before this one that chime flagged for {$430.00}. My credit card info was clearly stolen. I turned my card off right after this alert blocking another transaction for {$140.00} from " XXXX ''. They changed the name and went for a smaller amount I assume because the other one was declined and they just go after smaller amounts each time till the account is cleared out. I did not and do not approve of the transaction for {$480.00}. It is not a real XXXX charge and us not reflected on my XXXX account. Please refund me the {$480.00} that was stolen from my account. They investigation team is not reviewing any of the information I have provided as shown in the screenshots. They didn't include any of the info that proves I did make these charges on my XXXX account in their report. Please have them review the info correctly and refund my money. '' I also included my statement from XXXX proving I didn't make this charges on my account. But as stated in the review they sent me they didn't look at any of the provided information. All they looked at was the fact I still had my card.
Product: Debt collection

Hunterwarfield is not licensed to collect debt in Florida. I am requesting that this account be removed from my credit report.
Product: Debt collection

On XX/XX/XXXX I was notified that Upstart had sold my debt with them to XXXX. I was immediately confused, as I had paid a settlement on this debt in XX/XX/XXXX through XXXX XXXX. The settlement was made months prior to the sale of this debt, which had already been settled and resolved. I informed Upstart of this, though they took no steps to correct the problem despite my efforts. Upstart sold an already-resolved and settled debt. 

I disputed this debt immediately with XXXX XXXX XXXX, the debt collector for XXXX, immediately, but efforts began to collect the debt anyway. After months of working through this situation, XXXX closed the account upon investigating and finding that the debt was settled. XXXX stated that they returned the debt to Upstart. Upon learning this, I contacted Upstart to request a resolution and proof that the account had been properly handled and closed, due to this being settled back in XXXX of XXXX. 

Upstart has been a nightmare to communicate with since the beginning, and has never worked to resolve any issues I brought to them. They sold an already-settled debt, which restarted efforts to collect a debt that had already been paid. On XX/XX/XXXX, after XXXX  indicated the account had been closed and returned to Upstart, I reached out to Upstart again to handle the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit Reporting act XXXX Account number # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX has violated my right 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

I'm writing this complaint and there is no third party involved. This company Equifax is very deceptive and unfair, they keep ignoring the situation based on the istrunction I'm giving them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me and send me the same document asking for Proof of Identity. I sent them my SSC, my Florida ID, and a bill with my current address and they keep coming out with the same excuse that they need to verify my identity, ( document they sent attached ) They already sent it to me 3 times. later on I found out that Equifax like to use that technique to ignore the letter consumers send. This is my privacy and I take very serious and if Equifax wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. Equifax broke the law and they keep doing thing with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW eQUIFAX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how Equifax often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. I don't want the same thing happen to me. I need Equifax to take responsibility and stop sending me the same document avoiding everything IM asking for ... Im attaching all the copies that I have sent to equifax, attached with my social security card, ID and proof of Address.XXXX Lets see what will be the excuse this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Dept of ED/XXXX  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

There are two collections that have recently appeared on my credit report this XXXX and XX/XX/XXXX, these are due to fraud and identity theft. Both collections are 3 years and 8 months old. I can see that one of the collections is from a Credit Card with XXXX XXXX that was closed in XXXX and reopened fraudulently in XXXX. A credit statement was sent to me which I disputed because it was not me that opened that account. I froze my credit because soon after I had calls for home loans and bank accounts trying to be opened under my name in California. These identity theft and fraud collections have never appeared on my credit report until now.
Product: Credit reporting or other personal consumer reports

I have made several attempts to update and correct my credit file from XXXX, Equifax and XXXX and all attempts have been unsuccessful. The Credit Agencies are simply stalling my attempts for accuracy and not conducting any type of investigation into the concerns that I have raised. I have provided documentation, namely my Drivers License, Social security card and Utility bill along with direct means to contact me. They are constantly and consistently ignored. As a result I am being denied for credit, paying higher interest rates and losing career opportunities. 

I have sent these request in XX/XX/XXXX, received electronic confirmation that the investigation would not be conducted. Ive tried calling in with no success and have allowed over 30 business days for some type of investigation to take place.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} Including all associated balance transfer fees, interest, and late payment fees. 

These fraudulent charges were made to my account and I opened a dispute with Barclays. I called almost every week looking for an update as they never provided provisional credit and caused my credit score to fall XXXX points. 

They took almost 2 months to investigate and claimed these balance transfers are valid because " I have an account on my credit report where the balance transfer was sent ''. This is outright not true. Such an account does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase has reported that I over extended my credit limit, Chase added a late payment and interest charge which was not suppose to be added to my account which over extended my account. Chase has since removed the associated fees due to me being in enrolled in the payment assistance program due to COVID-19. I was told by the representative that I was enrolled and Chase reviewed the phone conversation and seen there was an error. Since then I have been contacting Chase to remove the error regarding me over extending my credit limit and this effected my credit in a negative way and was denied credit based as a result.
Product: Credit card

A Citibank representative provided incorrect information about making a payment on my account which resulted in a XXXX day late payment to be reflected on my credit report. I filed a complaint and a dispute directly with Citibank and was told that it was being investigated. I never received resolution and my credit report was not corrected. I have called numerous times and have been shuffled all over the company with no response to my inquiries.
Product: Debt collection

It appears XXXX XXXX the man acting as CEO of RESURGENT CAPITAL SERVICES obtained this account by way of material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and California Penal Code 530.5 PC as XXXX XXXXXXXX XXXX XXXXXXXX XXXX did not legally obtain consent to sale, transfer or disclose any account information with RESURGENT CAPITAL SERVICES company or any other third party ; Additionally, XXXX XXXX XXXX failed to provide the consumer with FULL disclosure regarding their intent to do so. Failure to provide FULL disclosure of material information constitutes unfair methods of competition and unfair and deceptive acts of FRAUD. RESURGENT CAPITAL SERVICES or any other of the company names they try to use DOES NOT HAVE A CONTRACT WITH ME. 

XXXX XXXX and RESURGENT CAPITAL SERVICES was sent a AFFIDAVIT OF TRUTH CEASE AND DESIST on XX/XX/2022, and the UNITED STATES POSTAL SERVICES confirmed the Respondent received the above mentioned notice on XX/XX/2022, at XXXX XXXX  to which XXXX XXXX and RESURGENT CAPITAL SERVICES did not cease and desist and the AFFIDAVIT OF TRUTH CEASE AND DESIST still remains unrebutted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting the coding on the XXXX - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached proof to show that this account is negatively affecting my experian credit report and that it was legally supposed to be removed on XXXX of XXXX. That would be 7 years after the first late payment. In the last dispute, they changed the account to show current but that it was discharged from bankruptcy. This is wrong as I have the documents showing the account was charged off and the last good payment was XXXX of XXXX. After 7 years, this is to be removed via the federal government consumer laws. This was correctly removed on time from the two other credit agencies. Please correct before legal action.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal charge account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection utitliy account opened at XXXX XXXX XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.