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

As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from FAIR COLLECTIONS & OUT. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXfrom original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX  XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX  XXXX XXXX original creditor is XXXX  XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX. Multiple attempts have been made for removal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this doesnt belong to me and i would like to have it deleted asap the law states that this shouldnt be on my report at all
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
Original Creditor : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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: Credit reporting or other personal consumer reports

My name XXXX XXXX. I became a victim of identity theft a long time ago. After that incident I noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately. Besides these items, I also want to delete incorrect names and addresses that I do not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not authorized by me as soon as possible. Please see attached identity theft report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear DISCOVERBANK, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This act contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri identity theft and fraud statutes, including the Missouri Revised Statutes Section 570.223 ( Identity Theft ) and other applicable consumer protection laws. 

It has come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under the FCRA, federal law mandates that consumer consent is a non-negotiable requirement for reporting such information, as outlined in Section 1681b ( a ) ( 2 ). 

Additionally, Missouri law provides strong protections for consumers against unauthorized use of personal and financial information. Section 570.223 of the Missouri Revised Statutes prohibits identity theft, including unauthorized use of an individuals information to harm their credit or financial standing. Furthermore, Missouri law reinforces the obligation to ensure accurate and fair reporting of credit information to protect consumers from fraud or abuse. 

I assert unequivocally that I have not provided consent for DISCOVERBANK to report any information to my credit report. This lack of consent constitutes a violation of my rights under both federal and state laws and has the potential to harm my creditworthiness. 

I demand that DISCOVERBANK immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under FCRA Section 1681b ( a ) ( 2 ) and Missouri state law, including Section 570.223. I further request that you investigate and promptly remove any unauthorized information currently reflected in my credit report.

Failure to comply with this demand within 30 days will be viewed as willful noncompliance and may result in legal action under applicable federal and state laws. Please note that identity theft and fraud are criminal offenses under Missouri law, and I will not hesitate to pursue all remedies available to me to protect my rights. 

This demand is made in good faith, with the expectation that you will act promptly to rectify these egregious violations.
Product: Credit reporting or other personal consumer reports

I already disputed this items multiple times but it still shows negative on my report. Below are the items with discrepancies. I was never late to any of these accounts they paid always on time. I also attached the letters I sent to each of the bureaus. I never received a response or resolutions to any of my disputes. 

Equifax 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response form the company Merchants Acceptance about an account reporting on my consumer file. I ask for validation of debt. I received a printout of a contract with a generated signature. After further study of the documents, the signing of these documents was done in XXXX Florida, and I am a resident in XXXX fl. the address on the contract was an old address where I have been reported identity theft. The alert is still on my file today. the company 's argument is that the email address that they have for me is the main email address on my consumer file. That is not proof that this debt belongs to me. Also, with the continuing increase of the balance on the account, the company argues that in the contract it states that they are allowed to add interest to a charged off account, however by law if this account is mines i should be receiving statements of the changes being made on the account if it's still open and or charged off. I have not received any statements or information on this company until i started my dispute. Also, if my email is their arguing point i should have been informed in that manner at least, but again I revived nothing but a computer-generated contract that does not have my signature. I would have had to be in person to sign this contract, my email address is not proof. There is also no comply of my id, I should have had to prove my identify in some way doing a contracted sell. The account is also still reporting inaccurate information as to the status of the account, the account can not be open, closed and charged off, with different balances. Again, I have no knowledge of this account or contract with this company and i will pursue further actions. The contract also states that the buyer is approved upon a credit check, the contract does not list my social or even the last four, how was this approval granted? there are no inquiries that I could find from this company on my credit report. this debt is not validated.
Product: Checking or savings account

Account has been closed since XX/XX/XXXX. It is now XX/XX/XXXX and every time I call, I am told to continue to check the mail for the returned funds without any definitive answer of a check # or an amount that is being returned. This is a large amount for me and it is severely affecting my personal and business life. I need the funds returned immediately.
Product: Debt collection

I sent a validation of debt letter to this company due to checking my credit report and noticing the company is reporting collection accounts I knew nothing about. I sent a debt validation letter on XX/XX/23 and this company still refuses to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment was reported on my credit report this is inaccurate & must be removed it has impacted my credit score I sent out letter to EQUIFAX XXXX XXXX XXXX XXXX. I did not give any authorization to share my transactions at all & if look at my accounts it is in good standing & never late.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Unauthorized Fraud Alert Placed on My Credit Profile Complaint Summary : I am filing a complaint regarding an unauthorized fraud alert that has been placed on my credit profile by Experian, Equifax, and TransUnion. I did not request, authorize, or instruct any of the credit bureaus to place a fraud alert on my credit file, and I am experiencing ongoing issues as a result of this erroneous alert. The fraud alert is causing problems in obtaining credit, and despite contacting all three bureaus to have the alert removed, no action has been taken to resolve the issue.

Details of the Situation : Fraud alert was placed on my credit profile by Experian, Equifax, and TransUnion without my consent.

I have never contacted any of these credit bureaus to request such an alert or provide any instructions regarding my credit. 
I have reached out to each of these bureaus to have the fraud alert removed, but no satisfactory resolution has been provided. 
The existence of the fraud alert is interfering with my ability to obtain credit, which has caused significant inconvenience. 
Requested Resolution : I request that the fraud alert be immediately removed from my credit file, and that any negative impact caused by this incorrect alert be corrected. I also ask that each credit bureau provide me with written confirmation that the alert has been removed and that my credit profile has been restored to its proper state.
Product: Checking or savings account

Almost one year ago, XX/XX/2019 bank of America Transferred USD {$33000.00} from my account number XXXX to the account belonging to XXXX XXXX ( no idea which bank my money was sent ) with Confirmation # XXXX. My money simply DISAPPEARED from my account and Bank of America. When I made a claim, they simply sent me a brief communication, and closed my claim. 

BofA Never returned the money. I don't live in the US, but in XXXX ( SXXXX XXXX ). When I opened this account, I opened it years ago telling them I am not American citizen. I am telling this because, in order to transfer money from my account of BofA, I need to login into the account. But I was in XXXX that day ( XX/XX/2019 ) therefore, and It was impossible to authorize a transfer due to, BofA sends a SMS with the authorization code ( 6 digits number ) and IT is IMPOSSIBLE TO receive it outside the US, therefore ... I have NEVER RECEIVED a SMS code to approve any transaction, but BofA, simply ignored my claim and never returned my $ XXXX dollars back to my account.
Product: Credit card

I contacted Chase on XXXX/XXXX/XXXX notifying them that I wished to open a billing dispute in the amount of {$280.00} for a charge that occurred on XXXX/XXXX/XXXX from XXXX XXXX. I then contacted Chase again on XXXX/XXXX/XXXX because I had not heard anything additional, except for a confirmation that they were working on my dispute ( see attached ). I did not receive an outcome to the issue until the resolution was mailed on XXXX/XXXX/XXXX. This falls significantly outside the FTC 's regulation that the dispute be resolved within XXXX billing cycles ( but not more than 90 days ) after being notified.
Product: Money transfer, virtual currency, or money service

I have been in contact with this company since  XXXX   2016  regarding my balance on my account. There was a double transaction made for a purchase someone did with me  and   one of  there charges was disputed. Since then my account was permanently closed but I still have a {$500.00} balance remaining that they will not release. I have called and emailed numerous times and keep being told to verify identity and afterwards I 'm told the account has to remain closed. I have expressed I will NEVER use them again so it is fine to close my account but I am entitled to my money. I contacted someone on  XXXX   XXXX  and after looking they had me send in a form for a Google wallet balance refund request and I was advised that it would take 10 days to deposit into my account. I called back on  XXXX   XXXX  and spoke with someone else that said it was don e but a specialist ne eded to review the account and how they had been trying to refund since last year but the bank account on file was no longer active. I was told I would get a follow up on  24-48 hour s and again I heard nothing!! I called back again on  XXXX   XXXX  and a representative had me refill out the form while he was on the phone and ensured me I would be refunded my balance on the account. However the next day I received an email saying he sent it to a  specialist  and they have to investigate prior to my refund! It has been a year and 7 months this company had my money. How much investigating can you do!!!! I would never recommend this service and for it to be  Google  o expected way better service than what I have been given. I will be closing every last gmail service accoun t I o wn and never using them again!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Vehicle loan or lease

I am writing to formally express my dissatisfaction regarding my recent experience at XXXX XXXX XXXX during the purchase of a XXXX XXXX XXXX on XX/XX/year>. 

I worked with salesman XXXX XXXX XXXX and specifically communicated to the finance manager, XXXX, that I had pre-approval with XXXX XXXX  and wished to finance the vehicle exclusively through them. XXXX confirmed multiple times that the financing would indeed be arranged with XXXX. He also discussed various products, including gap coverage, stating that waiving it would keep my interest rate at 8.89 %. He further claimed that obtaining gap coverage could potentially reduce the rate due to XXXX being an international bank. 

To my shock, on XX/XX/XXXX, I received a call from Capital One regarding my new vehicle. I learned that the financing had been processed through Capital One, directly contradicting the assurances I received from XXXX. 

I promptly returned to the dealership seeking a resolution, but was only offered free window tintingan inadequate response given the circumstances. Furthermore, I received an email from XXXX XXXX  indicating that my loan is still pending with an approval rate of 6.14 % for {$17000.00}, which further highlights the discrepancies in the information provided by the dealership. 

I believe this situation reflects a serious misrepresentation of the financing terms, potentially aimed at maximizing profit margins at my expense. I request that you address this matter promptly and provide a satisfactory resolution. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$3500.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$3500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditors has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 604A section 2 it also states a consumer reporting agency can not furnish my account without my written consent.

15 USC 1666B a creditor may not treat a payment under and open and any consumer credit as late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 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.