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

XX/XX/XXXX PRESTIGE FINANCIAL SVCE pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. OnXX/XX/XXXXI filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing.

Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days.

From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( PRESTIGE FINANCIAL SVCE ) and they could not release information because some of the information did not match what I what information I had.

However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. onXX/XX/XXXX a total of three times in a matter of a three-month span time.

As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan on late for any purpose.
Product: Debt collection

A couple of months ago, I responded to an on-line ad about Life XXXX  oil supposedly from XXXX XXXX, the actor. Not enamoured with him, I thought he wasn't XXXX enough to endorse a fake product. XXXX, for {$6.00} XXXX XXXX XXXX, I received a small bottle of XXXX oil. 
I hadn't used XXXX oil before and wasn't impressed. 
XXXX XXXX, I received a collection letter from National Medical Adminstrators , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX toll free XXXX XXXX fax XXXX XXXX XXXX creditor account # XXXX Creditor : XXXX XXXX XXXX balance {$110.00} I called them and spoke to a rude man who obviously called my credit card company and told me that I never heard of XXXX  and told the bank the charge was a fraud. 
He also said I didn't return the product in 30 days. I replied that I had used it up before 30 days and didn't order ( or receive ) any other product. He called me a liar and said there was no way I could use that bottle of XXXX  oil in 30 days. 
I told him I did not order anything and I just tried the sample for {$6.00}. 
He said it was my problem because I didn't read the small print ( yes I did ). 
I said I wasn't paying the money because I didn't order or receive anything except the trial amount. He was extremely rude.
Product: Credit reporting or other personal consumer reports

I just checked my credit report after not having done so for a while. On XX/XX/year> I show a hard inquiry on my credit report from CAP1/CBELA or Capital One Cabela 's Credit Card . 
I did not apply for a credit card from them. I've reported this to the credit Bureau but I also wanted to report it to the government. 
I've attempted to call capital one but they are unhelpful as they are requiring me to put in a credit card number that I don't have to be able to talk to a human.
Product: Debt collection

I checked my credit and noticed two accounts from Capio Partners, one for {$300.00} and one for {$5800.00}. I can not pay either debt but would like to settle.
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 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

TransUnion and XXXX are fraudulent on my credit account XXXXXXXXXXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX   is fraudulent on my credit Account XXXX XXXX  CREDIT CARD is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX  is fraudulent on my credit Account XXXX BANK is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX  XXXX is fraudulent on my credit Account XXXX LAW is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account
Product: Credit reporting or other personal consumer reports

XX/XX/year> request for credit verification sent to experience for item on report
Product: Debt collection

I recently review a copy of my credit/consumer report. I had noticed fraudulent account on my report. 

Please remove accounts from my report they are hurting my ability to obtain credit. 

I was a victim of multiple data breaches. 

According to the Fair Credit reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Why am I liable for this debt with Credit Collection Services when I'm a victim of identity theft because of multiple data breaches? 

I ask for a re-investigation of this item. 

Also, source you used to collect this false inaccurate information. 

This inaccurate item violates these laws 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602 A. ), 15 USC 1681XXXX ( a ) ( 5 ) Please remove/delete this items with all reporting agencies. 

If these items are not removed. 

I will submitted requests to the " XXXX XXXX XXXX XXXX' and " Federal Trade Commission '' as well.
Product: Credit card

I made a purchase using my Citibank card to purchase an evaluation ( 14 days ) product at a price of {$4.00} ( used internet ). The web site stated I could cancel at any time. I then seen a additional charge was added for {$89.00} ( XXXX ). I called their number as listed in the terms agreement but only got a looping message. I then learned that this was a scam. I filed a dispute with Citibank. They gave me credit then reversed shortly after. Citibank sent me a copy of the terms agreement sent by XXXX. I sent a copy of the terms agreement as stated on the web site ( plus provided Citi with the web link. ) Citibank excepted this false terms and agreement and nere told me of their finding. I should also point out that the dispute was issued XX/XX/2016. When I checked the charge date on my bank statement it listed XXXX different dates XX/XX/XXXX and XX/XX/XXXX. I looked back at two month statements and XXXX % of my charges only had one. I have asked Citybank now 4 times to explain why XXXX % past charges had only XXXX date and the {$4.00} charge for XXXX had XXXX dates. This is imporant since they are claiming 14 day notice was not met. Citibank never answered the question even after asking 4 times. I would also like to point that in the letters I did receive from Citibank they listed all XXXX numbers of my account ( not just the last XXXX numbers ). This is shown twice in their letters. Once I saw this I blocked my account. When it was done again I canceled my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) where there must be appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report or other reporting document such as CFPB OR FTC PR reporting complaint with agency ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

That you the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX, the XXXX XXXX XXXX XXXX located at XXXX. XXXX XXXX, XXXX, IL XXXX, and XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX block information appearing on my consumer credit report that is the result of identity Theft and Fraud ; as well as the cash app Data Breach that took place in XXXX and my XXXX data breach information In XXXX from an employee illegally accessing corporate records and customer financials information. I want this information removed within XXXX business days within you receiving this complaint. 

This Fraudulent, inaccurate and false information consists of a personal credit card account opened at Capital One ending in XXXX opened XX/XX/XXXX ; an online banking account ending in XXXX opened XX/XX/XXXX at XXXX XXXX and another personal credit card at XXXX XXXX XXXX  account ending in XXXX opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquires as well as difficult times accessing my own credit opportunities due to fraudulent collections appearing on my consumer XXXX credit report I have attached the credit report and the fraudulent accounts opened and closed however when I went to screen shot the report I was greeted with a message from the company which I also included not sure whats going on with that. 

I do not recognize the aforementioned accounts, collections and/or hard inquires associated with said accounts and as reported. Therefore I would appreciate the hard inquiry as well as the aforementioned accounts to be removed. 
Therefore aforementioned accounts, collections and hard inquires appearing on my consumer report were maintained by you were not opened, made, and/or initiated by me. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud ; company fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts ... ... Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) Balance : {$670.00} XXXX XXXX XXXXXXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX responded with a combative answer and decided to keep sending incorrect information to the credit bureaus. So since XXXX claims that I owe them money I want to see my signature on a document from them that I took out a credit card with them. I want this negative report removed from my credit report and that XXXX STOP report incorrect information to the credit bureaus. XXXX can not sue me for money that I do not owe them so they are being nasty and trying to ruin my credit. Stop reporting incorrect information on my credit report or send me a signed document that I agreed to borrow money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I made a payment via the online portal for Comenity Bank/XXXX XXXX. I incorrectly transcribed the last 4 digits of my bank account as XXXX instead of XXXX. The payment didnt clear, as the account was incorrect. I was unaware of the problem until my credit score dropped 90 points from this late payment. I immediately brought my account up to date. 

I have three credit cards with Comenity Bank, all of which have been paid in a timely manner. This late payments and subsequent drop in my credit score, has rendered it impossible for me to secure any kind of financing or loans for my small business.

I have sent 3 letters requesting a show of goodwill, all of which have been denied. At Comenity Banks request, I then disputed it through the credit bureau to which they also denied after telling me they would not.

I certainly understand that bills need to be paid on time. I have tried very hard to pay my bills on time, especially throughout covid and owning a business that was shut down for months. A 90 point drop in my credit score has decimated my credit. 

I am seeking the CFPBs assistance in hopefully rectifying this, if at all possible. 

Thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America keeps reporting a hard pull on my XXXX XXXX credit report that shouldnt had been done. I have a letter from them stating that they have removed the hard pull but its still showing. Also the letter they sent has incorrect information. The hard pull was done on XX/XX/2019, incorrectly. That day I called so that we could add my husband as a secondary. My husband gave permission to pull his credit but I didnt give permission to pull mine also there was no need for my credit to be pulled since I was already the primary. Thus why they stated they would remove it but it has yet to be removed.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

On XXXX, XXXX 2019 I received a letter in the mail from " Credit Collections Services '' stating that I owe {$530.00} for an unpaid bill from XXXX. The letter was dated to XX/XX/2019. I can confidently say I have no used XXXX within the past XXXX years. I immediately checked my XXXX account to see if I had any collection inquires. Nothing was reported as of XX/XX/XXXX. I called the number that the Credit Collection Services provided to me, they asked me various personal questions they should have had, including my name and address. I asked them if I could make a payment, and continued to ask them what the date on the collection was from. They said XX/XX/2019. I asked them what the bill was for, they said they could not disclose it. I asked them what was the address of the XXXX location in which I had a bill from. They were not aware of this address. Their website is also an unsecure website. I am aware of the recent breach in security in XXXX and do not want this to happen to anybody else.
Product: Credit reporting

I am a victim of identity theft and have an unauthorized and fraudulent credit inquiry listed on my Trans Union credit report that do n't belong to me. I made a police report with XXXX XXXX Police Department and sent a copy of the police report to Trans Union a few weeks ago in regards to the unauthorized and fraudulent credit inquiry. The police report case number is : XXXX. The following unauthorized and fraudulent credit inquiry do n't belong to me : XXXX XXXX XXXX, XXXX/XXXX/2015
Product: Credit reporting or other personal consumer reports

I am including TransUnion and XXXX in this complaint because I am receiving a similar response from all three credit reporting agencies for years now and have spent thousands trying to rectify their errors. 
On the XXXX of XXXX of 2023 I filed a complaint against XXXX with the CFPB because for the past 2+ years I have repeatedly disputed accounts that are incorrect, incomplete and or not mine along with documents showing that the information is inaccurate, incorrect and or not mine, including XXXX own admission that my information was compromised in XXXX recent data breach. This morning I call XXXX to inform them once again that the information they are reporting on my consumer file regarding all XXXX  and/or XXXX, is inaccurate, incomplete and/or not mine. I requested that they send me the investigation results they obtained from the furnishings company verifying the disputed accounts are in fact verified as they claim. I was disheartened and disappointed to learn that not only did XXXX close my previous dispute with no reinvestigation leaving the disputed accounts still reporting but was also told that XXXX does not verify the account is accurate, complete and verified themselves but relies on the company that is paying XXXX to determine whether or not the information they are furnishing is verified. This has been going on for years and continues to damage my reputation and livelihood. I have sent XXXX proof that these accounts are inaccurate, incomplete and or are not mine in addition to the same account double reporting and reporting to other credible reporting agencies under a different name account information. XXXX continues to do nothing but claim they will respond and then sends an irrelevant automated letter in the mail. I have attached a copy of the proof sent by XXXX which clearly shows information that does not belong to me. These documents include a different name, different ID, different address, different phone, different email, different state and no signature and no mention of a loan with either company and shows a document that could easily be filled in online, printed and mailed by anyone. I asked the company for a copy of the loan and promissory note and neither were provided. XXXX, XXXX and TransUnion have failed to truly reinvestigate to insure the information being furnished by these companies is mine and accurate and complete. I am attaching a copy of the companys and Is correspondence in addition to the original complaint filed on the XXXX of XXXX, 2023. Additionally, I have repeatedly reached out to XXXX and have ONLY heard back from XXXX. XXXX and XXXX have no business with me and I do not owe them a dime. They are using information that does not belong to me in an attempt to verify these disputed accounts. Additionally they are reporting the same accounts, it would appear, 7-8 times on two of the three agencies and with inconsistent information across the board. How is this allowed, how is this VERIFIED of UPDATED?
Product: Debt collection

This company continues to contact me after I have advised them no longer call me and only send something in writing. They have contacted my employer on multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I didn't not give Equifax written permission to furnish these accounts. 

BANK XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX BANK  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX BANK XXXX Account Number xxxxxx XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have requested information last year from the company Resurgent as the information being reported from the XXXX XXXX is incorrect and should no longer be reporting on my XXXX and XXXX credit report .The company sent a statement balance which is not what I requested. I am again asking that they provide me a legal copy of a signed agreement I have with them, if they can not do please remove. I have copies to show, also this account does not appear on my XXXX report as I have received notice after a reinvestigation. I believe There is also a chance that the debt is 'unenforceable '. This means it does not comply with the Consumer Credit Act 1974 ( CCA ). This debt is be resold and creating a new opening date each time which is causing it remain past the 7 year period
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's response to my dispute was they verified the information from the court and from Pacer, which is a lie because I contacted the court and Pacer and they both sent me letters that they do not verify with third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im concerned about my credit report with equivalent.Ive tried multiple times to pull my score and was finally informed I have nothing that really scared me I have several trace lines and an exceptional payment history which I would love to show on my profile. Im therefore requesting that equifax there records so that their systems will show a credit score to potential lenders thanks Ive attached photos that show accounts that should show % I also am a authorized account XXXX for XXXX XXXX account # XXXX XXXX  said to notify equifax as well