23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. The accounts in question are as follows : XXXX XXXX XXXX. I want to bring to your attention that the respective bank/creditor, upon being made aware of this issue, has agreed to remove these accounts from their records. The other credit bureaus, XXXX and Equifax, have promptly followed suit, acknowledging the error and removing the entries. I am deeply confused and annoyed as to why your bureau has not taken similar action despite being aware of the fraudulent nature of these accounts. As a victim of identity theft, I demand that you comply with the law and follow the standard procedures established by other credit bureaus. It is both frustrating and infuriating that my repeated requests seem to be ignored. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from Experian saying that my credit score had dropped. I logged into my Experian account and after reviewing it carefully realized that the problem originated from a vehicle lease that I hold with XXXX XXXX XXXX. XXXX had changed their policies on how they determine each leaseholders credit with the effect of dropping my credit limit by {$15000.00} overnight. They did this because they want to show the lessee 's credit limit as the balance left on their lease. The problem with their strategy is that it effectively lowers the lessee 's credit score every time they make an on time payment on the lease. I have reached out to XXXX to no avail and have submitted a separate complaint through CFPB to them. 

However, I also tried to reach Experian repeatedly to notify them about the problem and ask them to get involved. I called their office on XX/XX/XXXX at XXXX XXXX   EST when their office hours showed they would be open but I was told by the automatic system that there was an hour wait. I called the next day when it first opened ( XX/XX/18 at XXXX XXXX ) and was told that there was a 5-7 minute wait. I waited for 46 minutes and no one ever answered the phone nor was their an option to leave a message or have a call back. I entered queries into their website but nothing happened and there is no live chat option. I am furious that I can't reach them in person and this policy punishes the consumer for making timely payments on their lease. what a sham!
Product: Credit reporting or other personal consumer reports

I have tried various methods to unlock my credit score online. I have been unable to access my account on the Experian website due to technical difficulties - even though my login information is accepted, when I enter my SS # to complete my login I am told either that they can't verify my identity, or that there are internal problems with their system. I attempted logins on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The website has provided no information on how this issue can be resolved beyond listing a phone number. 

I tried to get help through the provided phone number on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but have been unable to find a way to speak to an actual person. When I try to unfreeze my credit score through their automated phone system I am told that they can't unfreeze my credit. I can find no useful information online beyond telling me to send a letter requesting my freeze pin, though there are conflicting answers on the Experian website saying that a pin is no longer required, and no indication that this would allow me to access my account on the Experian website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians has a few items on my report that are not correct or updated as follows : 1. XXXX XXXX XXXX   credt card balance is incorrect should be XXXX.

2. XXXX XXXX XXXX  credit card balance is incorrect should be XXXX.

3. XXXX XXXX XXXX  credit card balance is incorrect should be XXXX.

4. Reporting a post office box address is undeliverable for mail in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, Continental Credit, and Continental Finance Company , LLC notifying them that my XXXX credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX   credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed. 

As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. FDCPA section 807 violation misleading false reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. I always paid as agreed on time this is an error XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please correct/update this inaccurate information on my credit report. 
11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of purchasing my first car. I went to XXXX XXXX to pick out car I wanted. I had to get my credit pulled and I was shock when I was told I could still purchase the car, but I was going to have a really high interest rate due to several things on my credit I should of never had. There are several things on my report I never ever applied for and I am really upset with whatever the case maybe on my report. Please remove these things off my credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXXXXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello Funds of approximately .7 ETH were transferred to Coinbase on XX/XX/XXXX and were never received due to Coinbase not supporting the XXXX chain that the token was transferred through. However, the transaction was completed, meaning that Coinbase does have the funds, and can access and reverse the transaction through a more time consuming and difficult process -despite Coinbase providing that it is impossible. Because I understand that the process of retrieving the funds is difficult, I am willing to pay an additional surcharge ( up to 30 % ) if coinbase requires ( as I understand other exchanges have had a policy of ), for these funds to be retrieved. 

The transaction on XX/XX/XXXX was sent to the following coinbase address : XXXX, with this txid : XXXX Thank you
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a hard credit check on my credit and this was not explicitly requested. Not only was this done without my permission, but it was done twice, significantly dropping my credit score.
Product: Credit card or prepaid card

I,   XXXX   XXXX  , never opened the credit card reporting on my credit reports. It 's a   Wells Fargo card.
WELLS FARGO CARD SERVICE   #  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  IA  XXXX  (  XXXX  )  XXXX  Date Opened :   XXXX     This account is fraudulent, I never authorized this card, I never applied for this card, and I never made any charges or received any merchandise related to charges on this card.     Several pages later on this complaint you ask me for the billing address on the credit card. I tried to leave it blank because I do n't know. It would n't allow me to continue so I was forced to say it was the same as my mailing address.
Product: Credit reporting or other personal consumer reports

Inacurate information Reporting on Credit Report. These are the Accounts That I Mark InacurateXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Failing to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX with the following details : Account Details : Account Number : XXXX High Balance : {$23000.00} Last Verified : XXXX XXXX XX/XX/XXXX ; XXXX : Not Reported ; Equifax XXXX Not Reported Date of Last Activity : XXXX XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax XXXX Not Reported Date Reported : XXXX XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XXXX XXXX XX/XX/XXXX ; XXXX : Not Reported ; Equifax XXXX Not Reported Account Rating : Closed ( XXXX, XXXX ), Paid ( Equifax ) Account Description : Individual Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed ( XXXX, XXXX ), Open ( Equifax XXXX Payment Status : Current Creditor Remarks : Closed ( XXXX ), Paid ( XXXX and Equifax ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Despite my requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to the inaccuracies reported by XXXX XXXX XXXX, and Equifax XXXX The late payment information reflected on my report is incorrect. Specifically : Two-Year Payment History : Late Payments : XXXX, XXXX, and XX/XX/XXXX : XXXX, XXXX, and 90 days late, respectively XXXX and XX/XX/XXXX : 30 days late These dates and statuses are erroneous, as payments were made timely during the mentioned period. 
Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The inaccuracies in my credit report demonstrate a failure to comply with this requirement.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before the payment due date. These reporting errors indicate potential non-compliance, causing undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, ensuring consumers are not unfairly penalized for non-payment.

Resolution Requested : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the corrections.

Failure to address this issue promptly will result in escalating my complaint to additional agencies and pursuing legal action. I trust that you will take immediate corrective actions to resolve this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was pre approved for milestone credit card through XXXX XXXX and I was denied. It affected my credit score with hard inquiry.
Product: Debt collection

Dispute Regarding Unauthorized Inquiry on XXXX Consumer Report and Fraudulent Stall Tactics Dear Credit Control , LLC, I am writing to formally dispute the inquiry your company placed on my Experian consumer report on XX/XX/year>. Your responses dated XX/XX/year>, and XX/XX/year>, use fraudulent stall tactics that fail to address my complaint. These responses suggest a refusal to comply with the Fair Credit Reporting Act ( FCRA ) and may also constitute violations of federal law. 

The inquiry in question was unauthorized and constitutes aggravated identity theft under **18 U.S.C . 1028**. Your refusal to address my dispute, coupled with demands for personal identifying information, exacerbates this violation and raises concerns about deceptive business practices. 

To address this matter effectively, I have taken the following actions and demand your compliance : 1. **Documenting and Preserving Evidence** : - I have retained all correspondence between your company and me. 
- Screenshots and printed copies of my XXXX consumer report showing the unauthorized inquiry have been saved. 

2. **Direct Dispute Details** : - This dispute pertains to an inquiry by Credit Control , LLC XXXX visible on my XXXX report. 
- I assert that this inquiry was not authorized by me, which constitutes a violation of my rights under the FCRA. 
- I will not provide sensitive personal information as requested in your prior responses, as this could expose me to further identity theft risks. 

3. **Complaint to the FTC** : - I have filed a complaint with the Federal Trade Commission via XXXX IdentityTheft.gov ] ( https : //www.identitytheft.gov/ ), documenting the unauthorized inquiry and your deceptive practices. 

4. **Notification to XXXX : - I have submitted a direct dispute to XXXX, including evidence of your responses and the unauthorized inquiry, and requested its removal. 

5. **Consideration of Legal Action** : - I am preparing to consult with a consumer protection attorney to address your violations of the FCRA and **18 U.S.C. 1028**, along with potential claims under deceptive practices laws.

- I will also report any suspected collusion with the original creditor to the IRS using Form 3949-A if evidence of tax fraud is substantiated.

Required Actions To resolve this matter promptly and avoid further legal and regulatory actions, I demand that you : 1. Provide the validation of debt that Credit Control , LLC has refused to provide on two separate occasions. 
2. Provide clear evidence that I authorized the inquiry on my XXXX consumer report. 
3. Remove the unauthorized inquiry immediately.

4. Cease all requests for unnecessary personal information under the guise of third-party disclosure concerns. 

Failure to comply within the legally mandated timeline will result in further action, including escalation to the Federal Trade Commission, the IRS, and other relevant agencies. 

I am a well-informed consumer and will not tolerate violations of my rights or deceptive business practices. This matter must be resolved promptly and transparently. You have 15 days to provide what I have asked, as mandated by consumer law.
Product: Debt collection

Harassing amount of phone calls to my phone number and phone numbers associated with mine. They refuse to tell me any information other than the person is calling from SRS till I give them my SSN and DOB. They refuse to remove my number from the " file '' till the person on it calls in and provides/ verify the SSN and DOB .
Product: Credit card or prepaid card

I was billed three consecutive months by XXXX for ads i did not place. when i contacted XXXX in XXXX they said ads were for health spas. when we advised that we are a jewelry store and never have advertised such products they advised to dispute charges with Citibank. The charges were XX/XX/XXXX {$190.00}, XX/XX/XXXX {$320.00}, XX/XX/XXXX {$390.00} total {$910.00}. I disputed all charges with Citibank. They finally responded in late XXXX declining my dispute. Their response from XXXX was that XXXX XXXX represents my company and placed the ads with my credit card #. As proof they showed previous transactions from XXXX when he was my ad agent. we stopped doing business with XXXX XXXX at the end of XXXX. My credit card number has been changed since then and he was not provided with our new number. I asked Citibank how it was possible for XXXX to charge my account with an old obsolete Number. They have not answered. I tried calling Citibank on XX/XX/XXXX and after being on hold for one hour and 17 minutes, gave up and emailed my letter to XXXX. They have not responded. I contacted XXXX XXXX and he insists that he is billed monthly for his ad agency advertising with XXXX directly. He followed up our discussion with an email certifying he did not use my card nor does he have access to my credit card info. Citibank has ignored my claims and XXXX is hiding their error by claiming previous business transactions from 4 years ago!
Product: Debt collection

Contacted by  XXXX   XXXX  from  Financial Assistance. As ked her to send me proof of the contract I signed she refused and started yelling how she will sue me and tried to get my address so she can serve. Would not let me get a word in, just kept yelling and making threats. I also told them before not to contact me on my personal cellphone number and she still did.
Product: Credit reporting or other personal consumer reports

Apple credit card/GS have not updated my balance owed. It have been over 30 days and its affecting my credit score. The balance is suppose to update every 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXXXXXX XXXX XXXX  XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit reporting or other personal consumer reports

XXXX I am writing to formally dispute inaccurate and unverifiable information on my XXXX credit report, which violates the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of the following : Hard inquiries for which no credit or service was extended : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute XXXX. Hard Inquiries Under the FCRA ( 604 ), consumer reporting agencies are permitted to include hard inquiries only if they meet a permissible purpose. Since these inquiries did not result in the extension of credit, they lack a legitimate basis to remain on my report. The Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action against XXXX underscores the need for compliance in verifying the legitimacy and purpose of information furnished on consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXXXXXX specifically debt bondagewhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/2019. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX )
Product: Debt collection

XXXX XXXX XXXXXX/XX/XXXX {$2000.00} jefferson capital XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} attempted to take my home and SSI Income