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

I am writing to formally dispute the following inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The information listed is incorrect and needs to be removed or corrected as per your obligation under this law. 

XXXX. Incorrect Name : Listed Name : XXXX, XXXX, XXXX Correct Name : XXXX XXXX XXXX XXXX. Outdated Addresses : Listed XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX Outdated ) XXXX XXXX Wy XXXX, Md XXXX ( Outdated ) Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX to Section 609 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The incorrect name and outdated addresses listed in my file do not accurately reflect my current or historical information and need to be removed immediately.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XX/XX/XXXX XXXX Thank you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I pulled my credit report and discovered that there was all kinds of outdated and incorrect personal information on there. I sent a letter to the XXXX bureaus to remove it and they did not do it in the XXXX required days. Here is what I sent to all XXXX : Dear XXXX Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX, XXXX, Florida XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX has refused to reissue my rewards check. In XX/XX/XXXX, the company issued me my rewards check that would expire in XX/XX/XXXX. These checks must be cashed within their XXXX XXXX XXXX  stores. I was deployed at the time and contacted the company on XX/XX/XXXX, well before XX/XX/XXXX, and stated that I was overseas and would be unable to cash the check. They stated that it would not be an issue and would reissue me a check with special circumstances when I returned stateside in XX/XX/XXXX and that I'd be able to cash it then. The individual received supervisor 's approval and noted the account. When I arrived back home, I called customer service in XX/XX/XXXX and they stated they would resend the check and it should arrive around the same time as my XX/XX/XXXX rewards check. My XX/XX/XXXX rewards check arrived in XX/XX/XXXX and it did not include the one from XX/XX/XXXX. I called the company in XX/XX/XXXXand they stated there was nothing they could do and could not reissue my check, despite telling me twice they would resend the check. The amount of the check was {$500.00}
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and the following accounts and inquiries were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX** - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX XXXX $ XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern my name is XXXX XXXX residing at XXXX XXXX XXXX I have been contacting XXXX for over 2 yrs now trying to get them to fix my credit report only to have them raise my score for a week and then find a reason to make my score even lower everytime I contact your company to report them. XXXX continues to create reasons to lower my credit score fraudulently. There lastest tactic is double reporting a fraudulent account that doesn't even belong to me which is children 's place which was reported {$420.00} Closed XXXX Reported : XX/XX/XXXX Which looks like it's one account reported twice but the account isn't mine and I wanted it removed off my credit report and I want my score raised to where it should be like it is at all other credit bureaus because the account they are reporting is fraudulent and does not belong to me. They are also reporting XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed This account is also fraud and does not belong to me and I want it removed from my credit report because it is fraud. My credit score should be at least 700 this company needs to be investigated because they fraudulently report and when you try to make them aware be getting outside people involved like your company the retaliate by lower your credit score. I have had this problem with XXXX for over 2 yrs and would like it resolved as I am XXXX and there false reporting g is causing a tremendous amount of stress on my life. I am considering a lawsuit if this isn't fixed as the stress is causing extreme health issues. Please help me resolve these issues with there false reporting. Also I keep asking them to add my employer which they still haven't done which is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a signed letter to Trans Union verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section XXXX to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Trans Union and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Trans Union an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.
Product: Credit card or prepaid card

Case Number XXXX On XX/XX/19 I prepaid deposit XXXX $ using Visa card. On XX/XX/19 merchant contacted me that door was ready and I paid remaining balance online XXXX $ using XXXX card on XX/XX/2019. My husband picked up the door and when my contractor saw the door same day it was very poorly made, and bowed and would be impossible to install.

On XX/XX/19merchant agreed to to take the door back and make replacement door within 2 weeks. On XX/XX/19 my husband returned the defective door to the merchant in person. On XX/XX/2019 I contacted the merchant asking about the replacement door since it was 2 weeks and they promised to have it ready by XX/XX/19. On XX/XX/19 I contacted merchant again and they promised to get the door ready by XX/XX/19 for pick up. On XX/XX/19 merchant informed me that door is not ready and they will deliver it on XX/XX/19to my house. On XX/XX/19 merchant never delivered the door and failed to respond to my messages and phone calls. I tried to contact merchant again on XX/XX/XXXX and never heard back, same day I filed disputed with XXXX card and visa card and ordered the door from different merchant. Merchant had 2.5 month since order was placed in XX/XX/XXXX to deliver door as promised and failed to do so or communicate with me on a timely manner. I dont have the merchandise and Im out of money. My husband is a military veteran.
Product: Credit card or prepaid card

On XX/XX/XXXX I had made a purchase with my synchrony XXXX credit card, and they closed my account after the purchase saying I was inactive for too long and dropped my credit score over 100 points. Synchrony doesnt care and says they can not restore the account and that I would have to open a new one. This is highly unfair and I feel powerless as a consumer. Ive worked so hard to maintain a great credit score and this happened. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and equifax has accounts on my credit report thats inaccurate
Product: Mortgage

I went into forbearance XX/XX/XXXX. I was contacted by Mr. Copper in XXXX on the XXXX, the day my mom died from XXXX. I asked to continue forbearance. On XX/XX/XXXX, I applied for a mortgage modification. Since then Ive called multiple times and checked online almost daily. They continue to tell me the modification is under review. Yet they call me regularly to talk to me about my mortgage. Im confused and frustrated. Ive sent them my wages as they requested initially. No solution. I filed bankruptcy which was XXXX XX/XX/XXXX. I want to to try and keep my house and feel stressed that Im not getting any answers. Should I be looking for a new place to stay? Are they going to work with me? I have NO idea. Im not getting any answers. Its all very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream LLC They are asking for info about me that I am not comfortable giving them in order to receive a copy of my credit report. XXXX, XXXX, and XXXX don't make it so difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. XXXX, Experian and XXXX.
Product: Payday loan, title loan, or personal loan

Hello, I am requesting that the 30 day lates reporting as of XX/XX/2020 to XX/XX/2020. 
My finical world was turned up side down when COVID-19 hit. I was not informed that my payments were late and payed them as soon as I could.
Product: Debt collection

I paid the debt off and Affrim is saying I didn't. I have proof. I paid it off through true accord.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have hone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit card or prepaid card

XX/XX/22 My capital one credit card was fraudulently used to purchase in the amount of {$58.00}. I did not make this transaction at XXXX XXXX for {$58.00}. Ive told capital one it is a fraud transaction, however they still refuse to dispute this transaction.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed an incorrect balance from : XXXX XXXX XXXX XXXXXXXX. Account # XXXX A 1099-C was issued, taxes were paid, and thus, by law, this balance should be corrected to {$0.00} and/or removed from my credit report. ( See 1099 attached ).

Delete the above-referenced account from my consumer report, this agency is in violation of 15 USC 1681.

The Fair Credit Reporting Act ( FCRA ) provides for actual damages, statutory damages for willful or intentional conduct that violates the FCRA, and punitive damages for malicious conduct harming a consumers credit or reputation for creditworthiness. 

Furthermore, the FCRA provides for the recovery of attorneys fees and costs to the prevailing consumer ( paid for by the creditor or bureau ). 

Therefore, failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking at least {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and many more!
Product: Credit reporting or other personal consumer reports

Capital one bank I have called because I did not open this account and each time they give me the run around. I would like documents and proof that this account was open in my name. My credit score is tanking because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

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.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Identity Theft Account Number : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

On XX/XX/year> I contacted Kohls regarding fraudulent activities on my store charge card. I was told that they would conduct an investigation and to not worry. On XX/XX/year> I made a payment of {$40.00}. On XX/XX/year> Kohls made an unauthorized ACH transaction in the amount of {$890.00}. I immediately contacted on XX/XX/year> them about this and they told me to contact my bank to dispute this transaction. I also told them to close out my account. I notified the credit bureaus to dispute these charges, however Kohls is still stated that I have an outstanding balance of {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were denied an important XXXX bond because of all the errors on our XXXX Business Report. We have since been denied multiple credit cards and vender agreements. I submitted XXXX disputes at this point. XXXX has been corrected after 5 months, only to be incorrect yet again 1 month later. Our company name is XXXX XXXX XXXX XXXX. 

Errors on Report- XXXXBusiness secondary address XXXX. Show our business as a full-service restaurant, which we are not and have never been ( corrected ) Now it states we are a Equipment rental facility & Commercial And Industrial Machinery And Equipment Rental. Our SIC codes are changed and new ones are added constantly this is the XXXX changes this past year. We are a construction excavating company XXXX. Showing XXXX open liens that have been closed for over a year, i submitted court documents showing the leins are satisfied and they refused to remove them XXXX. XXXX Credit Cards with high balances when we have only EVER had XXXX cards. I disputed this they refused to remove it or give me more information We only get denied if the company uses experion to check our credit, and it is seriously impacting our busines. I have Lein Satisfaction letters, old credit reports and all previous disputes.
Product: Debt collection

I saw it was on my credit report and called immediately. Told me I could pay XXXX of the XXXX bill. I said no. The she stated I could pay XXXX of the bill and she would remove it from my credit report. I said no again and requested the original bill.
Product: Mortgage

I initiated a mortgage process with AmeriSave Mortgage Corporation and had my home appraised. AmeriSave failed to provide me with a copy of the Appraisal of the property which I paid for. Despite repeated attempts to obtain the document from their representative, I was ignored, strung-along, and ultimately had to abandon my effort. It is my understanding that AmeriSave is required to share a real estate appraisal with a home owner when they initiate a refinance process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX  XXXX bankruptcy several times with the credit bureau Transunion. In XXXX of XXXX  my dispute was completed, when the dispute was concluded the response was verified as accurate with US Bankruptcy court. I previously contacted the bankruptcy court and their response was that they do not verify records with any credit bureau or any entity for that matter their response is enclosed.
Product: Credit reporting or other personal consumer reports

My credit report has late payment entries that seem inaccurate based on my payment history. Please correct these errors and adjust my account details. Thank you!
Product: Credit card or prepaid card

In XX/XX/2020, my Citibank statement had two charges of {$21.00} each that were not legitimate, one from XXXX and one from XXXX. I have not purchased anything or received any services from either company. I contacted Citibank repeatedly, but they kept sending me from customer service to fraud and back several times. I eventually got assurance from a Citibank representative that both charges had been removed. On my next statement, the charge from XXXX was still there, with a late fee of {$21.00} added. I called Citibank several more times, but they refused to remove the charges. After researching on the internet, I found that Citibank has a long history of adding false charges to their customers ' accounts. I learned that the best way to deal with the problem was to call Citibank and mention 1 ) Consumer Financial Protection Bureau and 2 ) class action lawsuit.  Only then were they willing to remove the fraudulent charges.