23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Earlier this year, I had my tax information stolen along with all my personal information such as social security and present/past addresses ( our company was hacked, XXXX employees did not get taxes back ), and while checking my Experian credit report, I had hard inquiries a week apart and negative marks on my account. These are not mine and it is fraud. My credit score has now dropped and I am trying to buy a home in the next few months. I have ran into a couple issues because of this tax invasion and fraud. I have never had a late payment and have always had great credit. 

Thank you for understanding, this has been nothing, but a nightmare this year. 

*example of hard inquiries* XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

Kindly delete all unapproved hard inquiries from my credit report in line with 15 USC 16c-2 ; they are negatively impacting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

i pay account in full and it is sill on my credit report
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 XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX acct # 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 permission.
Product: Credit reporting

I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XX/XX/XXXX S.S # XXXX XX/XX/XXXX To whom this may concern : It my great pleasure I want to inform you that You violated my right as a consumer! Please be advised that banking system is dependent on fair an accurate reporting Only! When you report inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

Please be advised that YOU have assumed a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I reserve the right to privacy you shall not report ant transactions or experience between myself and the person making the report at all. The only way communication amongst other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. You're reporting information on without no proof or investigation prior to these items being reported on my credit report.

In addition, please reinvestigate the following items : 15 U.S.C 1681a ( 2 ) ( i ) -Definition ; Rules of Construction Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account Number # XXXX Please re- investigate the accounts and remove them from my consumer report. There are multiple violations under the Fair Credit Reporting act .... I have attached the letter with the account names and account numbers with each violation, which enclosed my DL to identify myself. 

*** IN ADDITIONAL, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Sincerely, XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/15 I went into my Chase branch to pay off my credit card balance in full. I overpaid by {$330.00} so that any additional interest XXXX {$110.00} would be paid from that and then refunded the balance on the next cycle. After the cycle completed, I requested the difference to be transferred to my checking account. Because I asked for a transfer to my checking account and not a check, they had to put the {$23000.00} back into my account as a charge and then credit the payment incurring {$160.00} in interest. and still refunding me, now making the account have a minimum payment due of {$44.00}. When I closed the account they took it off my account dashboard, so I did not know I owed {$44.00}, thus missing the " payment '' 2 months after the account was closed and the statement showed that they owed me money and not the other way around. I have gone into the branch and talked on the phone but they say there is nothing they can do.
Product: Checking or savings account

I opened an account with citi bank on XX/XX/year>, upon opening my account I used my account successfully for XXXX weeks with my debit card and checking account. I received a ACH transfer from my insurance company, XXXX for an accident I was in. I walked into a branch in XXXX California, showed my drivers license and my debit card and tried to withdraw money to purchase my new vehicle. Upon trying to do this they closed my account because they could not verify the funds, even though the ACH was successful, and I provided them proper documentation that the ach was from XXXX XXXX XXXX XXXX XXXX XXXX, and even gave them my claim adjusters number who issued the funds and my claim number and a receipt from them. Citibank is keeping {$44000.00} from me, and there is nothing I can do when I really need my money.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX i noticed a XXXX ACH charge on my checking account I disputed the charge on line and called the Sun Trust customer service line. I inquired regarding the charge and was told it was a over annual over draft charge for a line of credit acct i had with Sun Trust. I have never paid a XXXX fee before and the account had a XXXX balance. I was told by the CSR that the charge would be credited to my account and at that time i told the CSR i dont use the account  to close it. I thought the issue was resolved. On XX/XX/XXXX i was notified by XXXX XXXX that a change was being reported on my credit file. I called Suntrust and disputed the charge and reporting and i contacted all ( 3 ) credit reporting agencies. I called Suntrust  XX/XX/XXXX and got no results and was told sorry for your luck. I visited the local branch and spoke to XXXX XXXX and she called several divisions trying to resolve the issue. I was contacted by Sun Trust today XX/XX/XXXX and was told that they will not make any changes because i disputed the charges that due to fair credit reporting guidelines that the account is being reported correctly. This has impacted my credit rating by 100 points and dropped my score  from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT This is now my THIRD time mailing you about some unverifiable items on my credit report. To recap what I have done so far : I have contacted the creditors directly ( multiple times ), and all have failed to provided ANY form of verification, authorization, or proof of permissible purpose I have contacted TRANSUNION multiple times informing you of this, and you have failed to verify these inquiries. 

Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible permission. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection accounts XXXX  Bal {$160000.00}, XXXX  XXXX  XXXX {$160000.00}, XXXX XXXX {$17000.00} XXXX XXXX XXXX {$6400.00}, XXXX XXXX XXXX XXXXXXXX {$1700.00}, XXXX XXXX {$6400.00}, XXXX XXXXXXXX XXXX XXXX {$6200.00}, XXXX  XXXX BANKRUPTCY Bal {$0.00}. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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.
Product: Checking or savings account

On XXXX XXXX 2023, I received several e-mails notifying me that I had been enrolled in Online and Mobile Banking with Bank Of America who I have never had an account with. I also received e-mails asking me to verify my email address, that my online application was being processed and was approved. Then I received an e-mail that my e-mail address was updated with them. None of this was done by me so I immediately called the Bank Of America fraud department to report this and at approximately XXXXXXXX XXXX I had spoke to a representative named XXXX to investigate this. Upon reviewing my first and last name and state of residence, I was assured by the representative their was no account open with my name and that they werent sure why I was getting those e-mails. However on XXXX, XXXX 2023, I had received an alert from XXXX credit monitoring about an inquiry from Bank Of America that my SSN had been used to open a bank account with Bank Of America but oddly received an e-mail from Bank Of America again today that my application for an account with them had been denied based on information they received from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Un-Authorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NH Northeast Credit Union claim on my credit report that i owe them {$740.00}. I have disputed this over and over again and have gotten no where. I called the company and they state they do not have proof this account is mine and they don't have to have proof that this account is mine. The company also said they have been calling a number that I do not own and have never owned. When i stated that i don't know this number the woman on the line started to yell at me and stated that if i don't plan on paying this bill then she will hang up. Before i could speak, she hung up on me. I know this account is not mine, I have never been to the company they stated I went to for services. My husband has but not me. The company can not say it is mine because it isn't. please remove this from my credit report. 
XXXX already removed it because they found this account to be incorrect. XXXX has it listed without an actual company name. I need this removed from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX for the account number XXXX. The late payments are reported as being dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ], and I firmly believe this is inaccurate for the following reasons : XXXX. I have always made my payments on time, apparently they have administrative errors XXXX. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( TRANSUNION ), has violated my rights. XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an alleged debt on my credit report reported by XXXX XXXX XXXX XXXX, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years. 

I submitted the dispute on XXXX/XXXX/20. I received a response XX/XX/20. 

Equifax also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion in The past regarding items incorrect on my credit report. I have a family member who has the same last name and it appears these are his accounts on my reports. I have mistaken identity & I have been denied credit wrongfully, due to these errors. I would like for this information in this report to be updated and deleted immediately. According to FCRA 605B 15 USC 1681 you are required to block delete all info in 4 days related to identity theft or mistaken identity. I would like the fastest remedy and outcome to the matter. I have contacted an attorney & wish to handle & resolve this peacefully on my own first. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX  XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. 

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has appeared on my credit report. This account, which is associated with my ex-husband, was opened without my knowledge or consent during our marriage, and I was unaware of its existence until I recently reviewed my credit report. Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Opening : XX/XX/2021 Balance : {$1700.00} I have attached documentation, including divorce decrees and separation agreements, which clearly demonstrate that I have no financial responsibility for this account. Furthermore, I have not authorized or benefited from this account in any way. I respectfully request that you conduct a thorough investigation into this matter and promptly remove this fraudulent account from my credit report. Additionally, I would like to receive a written confirmation of the actions taken to rectify this issue. Please let me know if you require any further information or documentation to facilitate this investigation. I appreciate your prompt attention to this matter and request that you resolve it as soon as possible. Thank you for your assistance in rectifying this situation
Product: Credit reporting or other personal consumer reports

There is a fraudulent account for a timeshare company XXXX XXXX XXXX XXXX ) listed on my credit report. I know the account is fraudulent because I am a victim of identity theft. A police report was filed, a report with the FTC and I have sent separate certified letters to both the company XXXX XXXX XXXX in XXXX ) and the Credit Bureaus ( Equifax and XXXX ) disputing this account. I asked for validation of this account and a signed contractual affidavit showing that this was indeed my account. I received documentation from the credit bureau as the item being updated but nothing showing a signed contract. I have yet to receive any documentation from the company ( XXXX XXXX ) regarding this account. This account is currently listed on my credit reports as a negative item with a balance of {$9000.00}. I have never had an account with ( XXXX XXXX XXXX ) and do not even own a timeshare. I have never utilized any services related to this company. The company claims to have no record of my disputes but clearly I've even filed past grievances with the CFPB regarding this same issue. The misrepresentation of this negative account is egregious. I have provided identification proof showing the different name variation and address utilized when this account was opened. The information was not mine. The data furnisher also have yet to provide any type of proof regarding this account. I keep getting the same run around answer with the credit bureaus and the original creditor. I WANT THE PROOF! I don't want your updated status without proper verification.
Product: Credit reporting or other personal consumer reports

Disputes are filed but no results Inaccurate info still on credit report I am a victim of Identity theft/fraud Social Security number being used by unknown person/people Multiple accounts opened that don't belong to me Inaccurate personal info Employment info incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, XXXX, and XXXX credit files, an old account from Capital Bank, NA is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and Capital Bank, NA. The 3 bureaus all claim that Capital Bank verified the accuracy of the information, yet Capital Bank has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to Capital Bank was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information was exposed in the national data breach. Upon reviewing my credit reports I noticed accounts that I do not recognize I requested debt validation from the credit reporting agencies under 15 U.S.C.1692G but they have failed to provide the necessary information likely due to my compromise data as a result I have filed a complaint with the FTC regarding these unfamiliar accounts
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.!