23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with XXXX during that year, XXXX, it may or not be related. The XXXX breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Experian : XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these 3 giant credit bureaus.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX  XXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX  XXXX to the IRS filling out form 3949- A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that XXXX  XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these XXXX companies have caused. I know that XXXX  XXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a flight with XXXX for XX/XX/XXXX from XXXX XXXX to XXXX. As per XXXX 's booking policy, I expected to receive a booking confirmation within hours of making the purchase. However, I did not receive any confirmation from XXXX and became concerned that my booking may not have gone through. 
In light of this, I decided to rebook my flight directly with XXXX XXXX to ensure that my travel arrangements were in order. I promptly canceled the XXXX flight over the phone and purchased a new one with XXXX XXXX on the same day. 
Despite my efforts to cancel the XXXX flight in a timely manner, I have not received any confirmation of the cancelation from the company. I received a booking confirmation 5 hours and 15 minutes after booking the XXXX flight. Furthermore, I have attempted to contact XXXX multiple times through their customer service channels, but have yet to receive a response. 
I contacted my credit card company, Wells Fargo, to file a dispute, which I eventually won on XX/XX/XXXX. They gave me a full refund of the disputed amount of {$980.00}. 
Today, on XX/XX/XXXX, XXXX charged that same credit card again for a new amount of {$600.00} without my authorization. They sent me an email saying that they contacted the airlines and I was a No show 3 months after the dispute was settled. 
I opened a new dispute about the same issue that same day, and am currently waiting to see what happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX, In account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX 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 or other personal consumer reports

I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reporting duplicate accounts by the same data furnisher XXXX XXXX {$1100.00} and account {$12000.00}. XXXX XXXX 2 different accounts {$23000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report {$44.00} information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to address an issue with a recent money transfer I made through XXXX Money Transfer to XXXX, specifically to an account at the XXXX  XXXX XXXX. Below are the details of the transaction : Transfer Amount : XXXX USD Date of Transfer : XX/XX/2024 Unfortunately, due to an error in the account number, the funds were deposited into an incorrect account. The recipient account number provided during the transfer did not match the name of the intended recipient, yet the funds were still deposited into the wrong account. 

I believe the money transfer company should verify the account details before making a deposit. In a previous experience with another money transfer service, the transfer was not completed due to a mismatch between the account name and the account number. However, with this transfer, the funds were deposited despite the discrepancy, which is concerning. 

Furthermore, XXXX XXXX XXXX has not provided any invoices or confirmation of the deposit made and received by the recipient. This lack of documentation is problematic and hinders my ability to resolve the issue. 

I request your assistance in addressing this matter promptly and ensuring that the funds are correctly deposited into the intended recipient 's account.
Product: Debt collection

This company calls my house with an automated recording saying they are trying to contact me but then they hangup. They call at least 6-7 times every day for the past 6 months.
Product: Debt collection

I have been getting 10-15 harassing calls a day from a collection company called Progressive Finance on my cell and house phone.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and there is information reporting that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. I understand that you have the authority to decline or resend the information. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. If you believe I obtain procession of goods and services, I need a senior executive member of the company to put it on an affidavit signed under penalty and perjury notarized. This is causing me extreme stress and allowing me to live my life due to fraudulent reporting. Please tell me your method of verifying this fraudulent information!
Product: Debt collection

Hello, I hope this message finds you well. I am writing to address a matter concerning a collection account from National Credit Systems, totaling {$1700.00}, dated XX/XX/2018. The original creditor, as indicated on my credit report, is XXXX XXXX XXXX. The associated account number on my XXXX  Credit report is XXXX. 

I want to clarify that I have never entered into a lease agreement with XXXX XXXX XXXX. Despite numerous attempts to contact them, I have been unable to resolve this issue. Additionally, I have reached out to XXXX XXXX, XXXX XXXX  Supervisor at XXXX, who has confirmed that no records of my existence are present in their system. 

I kindly request your assistance in rectifying this matter promptly. It is my sincere hope that we can resolve and remove this discrepancy from my credit report once and for all. 

Thank you for your attention to this matter. 

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

TransUnion, XXXX and XXXX Inaccurately reporting several accounts on my credit report. They are reporting without my permission. The dates are incorrect, and the status of accounts are incorrect. I have tried mailing them first class as well as certified letters however they continue to mail me " stall '' letters. Transunion has continued to continue to report inaccurate information. This is becoming extremely stressful, expensive and causing me problems both financially and emotionally. I am requesting they remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX- XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX ; XXXX XXXX XXXX XXXX ; XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Contactedcustomerservicebuttheywouldnotfixit.Closedaccountstillreportingeverymonthisaviolationoffcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my small car loan last year and Experian still shows it open and not paid. I have disputed it several times with them and 6 months later there is no change. XXXX XXXX did it within 2 weeks.
Product: Debt collection

XXXX XXXX XXXX XXXX Debt Validation Request XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I noticed two accounts on my Experian Report that violates Fair Debt Collection Practices Act states that under because I was not provided the contents of the debts for Accounts XXXX 15 USC 1692g- states ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting or other personal consumer reports

Dear Equifax Customer Service, I am writing to formally dispute an inaccurate entry in my credit report. My name is XXXX XXXX XXXX XXXX, and my Social Security number is XXXX. I have recently obtained a copy of my credit report and noticed an account that I believe is incorrect. 


The account in question is as follows : - Account Name : XXXX XXXX - Account Number : N/A - Reported Balance : {$9200.00} - Date Opened : XX/XX/year> I believe this account is inaccurate because this isnt my account. Ive never applied, enrolled, attended, or heard of XXXX XXXX until checking my credit report. This reason alone violates multiple sections in the Fair Credit Reporting Act 15 USC 1681 : Section 607 - Accuracy of Reports : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. This includes verifying the information before it is included in a consumer 's credit report. 


Section 615 - Notice of Negative Information : If negative information is reported about a consumer, the reporting agency must notify the consumer within a reasonable time frame, providing them the opportunity to address any inaccuracies.

Section 623 - Responsibilities of Furnishers of Information : Entities that provide information to consumer reporting agencies ( like creditors ) must ensure that the information they provide is accurate. If they are notified of a dispute, they are required to investigate and correct any inaccuracies. 


I have attached a screenshot ( XXXX ) of what is appearing on my credit to support my claim. 


According to the Fair Credit Reporting Act 15 USC 1681 section 611, I am requesting that you investigate this matter and remove or correct the inaccurate information. Within the next 30 days, please provide me with written confirmation of your findings and any actions taken in response to my dispute. 


Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Midland Credit is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of XXXX.
Product: Checking or savings account

Regions Bank ( account initially opened in XXXX, TN ) has been charging my account a monthly fee of {$5.00} for account access for a 3rd party. I have several emails going back and forth trying to resolve the issue, and have been told it's resolved... only to have the charges continue to show up and Regions Bank continue to charge me the monthly fee ( which I believe will now go up to {$8.00} per month instead of the {$5.00} they have been stealing each month ). Their excuse each time is usually something like, " Well, this is online banking 's error ... '' I have several emails from the bank manager and her rep that I can supply as supporting documents. This is THEFT.
Product: Mortgage

The Servicer : PH Mortgage Corporation of XXXX  XXXX N.J. phone ( XXXX ) XXXX had the XXXX XXXX assigned to my property located at XXXX XXXX XXXX XXXX, N.J. XXXX on XX/XX/XXXX. There is no XXXX XXXX in XXXX N.J. and I need to know why an investor would be involved since my original XXXX purchase mortgage from XXXX XXXX XXXX XXXX ( HCSB ) The XXXX mortgage was current from XX/XX/XXXX to XX/XX/XXXX when it was allegedly refinanced and paid off by NJ Lenders who have no proof of payment to XXXX no release of lien, no satisfaction and no record of discharge.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report. Below are the details of the disputed accounts : XXXX XXXX XXXX Account Number : XXXX Balance : {$3600.00} This account violates 15 U.S.C . 1681i ( 7 ). It was reported without valid evidence of its accuracy. Please provide a method of verification or remove it immediately. As a victim of identity theft, I have included my police report for reference. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I have not received any valid documentation, including a statement or loan agreement, from this company. This account is fraudulent. Please remove it. 
XXXX Account XXXX : XXXX XXXX : {$23000.00} No valid documentation has been provided for this account. It is not mine, and I have included a police report. Please remove it immediately. 
XXXX XXXX XXXX  Account Number : XXXX Balance : {$1100.00} Under Section XXXX, this account is inaccurately reported, as the creditor did not provide a valid address for verification. Please investigate and remove it as it does not belong to me. 
XXXX XXXX Account Number : XXXX Credit XXXX XXXX {$600.00} The payments for XX/XX/year> to XX/XX/year> were always made on time. Under 15 U.S.C. 1666B, this account is a billing error. Please update the status to PAID AS AGREED/NEVER LATE. 
I have included the following documents to support my dispute : 1. 
Police Report 2. 
FTC XXXX XXXX Report 3. 
ID 4.

SSN 5. 
Proof of Address Any additional documentation Please investigate these matters and respond to me in writing within 30 days. 
Thank you for your prompt attention to these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

I have written to the XXXX XXXX XXXX XXXX designated debt collector agency, ConServe, regarding disputing all of the debt of {$13000.00} as of XXXX XXXX XXXX, having a student account with XXXX XXXX XXXX XXXX. My current activity on my Federal Student Aid account shows a Borrower Defense case number within my borrower defense case, as pending. Activity history within my borrower defense case an Income-driven repayment plan request. Also complete is a direct consolidation loan application and promissory note.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX  XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!