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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

This is one of 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 accounts 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 accounts : XXXX XXXX XXXX and XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to see wrong accounts listed, and I have no idea how they got there. I review my credit report frequently, and this time, the discrepancies were completely unexpected. I even tried refreshing the page in hopes it was a glitch, but the errors remained. Im asking for a thorough review of the documents I sent so I can stop worrying about this for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been trying to fix errors. Nothing has worked. Even when I sent complaint to cfpb. XXXX  gets away with XXXX and nothing is done. On my report portfolio recovery has me for collection for XXXX $ still years later they wo n't send any info on an account that is not mine. XXXX refuses to investigate again after they did one time and company claims it 's mine. No proof at all just says it is. XXXX XXXX should read paid in settlement for auto loan. It was not written off. XXXX XXXX also reporting a debt I am paying off in a settlement. They refuse to investigate or correct errors. They will just send a letter saying we already investigated and will not again. This is n't fair and my credit is ruined for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in my report. You are reporting an account from XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX/XXXX XXXX XXXX. These accounts have been disputed as inaccurate. XXXX/XXXX XXXX   opened fraudulently and then sold to XXXX XXXX. I have provided a letter from XXXX saying they told you to delete this incorrect account. XXXX and XXXX XXXX suggests they were sold to bankruptcy ch XXXX, XXXX, or XXXX yet there is no bankruptcy on my report. Please delete these accounts as soon as possible. Also please delete this inaccurate address that does not belong to me Attached are the letter from XXXX and my credit report with highlighted incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : POSSIBLEFINA ( XXXX ) Date Opened : XX/XX/2020 Balance : XXXX This account is deferred or in forbearance, please remove it
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Product: Vehicle loan or lease

As a result of trying to apply for a vehicle loan with XXXX XXXX XXXX  in Massachusetts, they ran my credit with multiple lenders without my approval as a way to get the sale by offering me a better rate than what they may have received from the accepted lender which was XXXX  XXXX. 
It show my credit was ran by XXXX comany XXXX times in XXXX day under XXXX minutes on all bureaus. 
These are inquiries : XXXX XXXX XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- -XXXX XXXX XXXX XXXX -- -- -- Toyota Motor credit co XXXX -- XXXX -- -- -- XXXX XXXX XXXX XXXX -- -XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Citi will not remove their account ending XXXX from all Please reference Complaint No : XXXX Citi or Citicards CBNA will not remove their account information from my credit report with all 3 Major Credit Bureaus such as XXXX, XXXX, XXXX in which they are required by law due to this company not having any supporting documentation showing I signed or agreed to account ownership or authorized user. I spoken with the general customer service department who said they can not find an account with my name or SSN. The general customer department recommended I speak with Citi bank Credit Disputes XXXX XXXX. I was instructed to send a letter with my name, ssn, address, phone. DOB for Citi to provide supporting documentation of my ownership or authorization signed by me for this account. Citi Disputes did not send any type of supporting documentation of XXXX XXXX authorizing or signed any documents for ownership or authorized user. So I called back in XX/XX/XXXX. I spoke with XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX with the Citi Investigation Team who still could not provide any supporting documentation of me signing an application or approving authorization of ownership for this account. Next they sent me to the Security Operations Department who stated I had to speak with Probate because my Grandmother XXXX XXXX who passed away had account open in XXXX with my name involved. I spoke with XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX who would research and send documentation if existed. I still as of this day have not received anything supporting documentation of ownership from Citi or Citicards CBNA with my signature on an application or my approval to be authorized for this account ending XXXX. I've made complaints XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've also talked with XXXX and XXXX from Citi CNBA Executive Resolution team who also could not provide ownership signature or proof of authorization by me from XX/XX/XXXX - present at XXXX. Texas State Attorney General Office filed a dispute and Citi CBNA responded with the wrong account response. Citi is negligent and committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021 TRANSUNION XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account being reported from XXXX XXXX XXXX with account # XXXX date opened XX/XX/2019 closed with XXXX balance. Please delete this from my name it does not belong to me.
Product: Mortgage

I have sold the home that the mortgage in question was used to purchase. It's under contract but has not yet closed. The payoff statement from CMG Financial seems very unfair to me. It's for {$13000.00} more than the original loan and {$23000.00} more than the loan balance. I called them and asked for a reduced payoff amount and they flatly refused. " Payoff statements are not negotiable. '' The system gives them a license to charge whatever they please with no oversight. In theory, they could overcharge me by {$100.00} XXXX and there would be nothing I could do about it. 

This mortgage represents the only time in my life ( I'm XXXX ) that I haven't been able to keep up with payments. I was up-to-date until I lost my job due to XXXX. The company lost its biggest client because it couldn't hire competent personnel to keep up with shipping and receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS XXXX XXXX XXXX XXXX AND TRANS UNION DID NOT MODIFY OR DELATE ANYTHING.

THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL 3 REPORTS. 
WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. 

I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW XXXX VOILATED MY RIGHTS.
Product: Student loan

I have been making my student loan payments on time. Ever since I made my 1st repayment to AES, the servicer for XXXX XXXX, my monthly payment amount has not been consistent. It keeps increasing. I make my payments automatically each month through my bank. I received a letter that my account is past due {$150.00}. My payment was increased {$150.00} per month without any notice. When I called to inquire, they told me that there is nothing they can do to help me because of the type of loan that I have. They told me two years ago that my payment would not increase, but it did. This is absolutely ridiculous that they are not willing to work with me to keep my payment the same. I can not afford for my loan payment to increase from {$310.00} per month to {$460.00}. I could understand if I had defaulted on my loan, but I have been making payments. I was just told that there is nothing they can do to help me. This is nonsense.
Product: Money transfer, virtual currency, or money service

Hello, I am a user of the Coinbase trading app. Last Friday XX/XX/XXXX I made a purchase to acquire XXXX shares. Coinbase has had a system error and because of this they have locked out all access to my account. I can not trade or sell or withdraw any funds whatsoever and their customer support has done nothing. The amount of shares have also since been reduced that is not accurate to the amount purchased.
Product: Credit card

ACCOUNT OPENED WITHOUT MY CONSENT OR KNOWLEDGE ALREADY TRIED TO DISPUTE UNDER CFPB Complaint Complaint ID : XXXXXXXX XXXX XXXXXXXX PER CONSUMER PROTECTION LAWS THIS ACCOUNT NEEDS TO BE CLOSED AND REMOVED FROM ALL CREDIT AGENCIES. I HAVE FILED FTC Report Number : XXXX AND PER THIS REPORT THESE ACCOUNTS NEED TO BE CLOSED ASAP REFLEX AND VERVE
Product: Credit reporting, credit repair services, or other personal consumer reports

You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a  detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct Name is XXXX XXXX XXXX These names below are incorrect : VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. 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. NO WRITTEN INSTRUCTIONS, PRIVACY VIOLATED
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I have tried to called TransUnion and XXXX to fix the late and wrong reporting payments on my credit report. 
I just pulled my credit report today XX/XX/XXXX. 
And on TransUnion since XX/XX/XXXX they have not update update my balance correclty. I have not had a balance on my accounts for XXXX XXXX Accounts for almost 6 months. I used them and pay off the total balance. 
Since I cancelled my subscription with them, I can even go and update or make a request to fix my credit and also elimnate my Inquiries that are due five of them for deletion. 
See credit report from XXXX. XXXX XXXX is XXXX, with a balance of only XXXX XXXX XXXX Accounts one for {$120.00} and XXXX XXXX with a balance of {$19.00}. I have not have a balance of {$940.00} Dollars and {$500.00} for almost five month. Even that I tried to log in to see my present scores. Please I am trying my best to keep my scores up to buy a house, but credit reporting agencies like TransUnion and XXXX not reporting correclty. 
See attached of previous statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my credit report. And Equifax will not send me my credit report.
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 NumberXXXX has violated my rights. Or a list of inquiries : 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 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 XXXX 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 or other personal consumer reports

Someone had opened a discover credit card under my name without my knowledge in New Hampshire but I never lived in New Hampshire. I never applied for the account nor allowed anyone to apply on my behalf. I found the credit card on the experian credit reports and disputed the unauthorized account last month through experian, but discover bank and experian are refusing to remove the unauthorized account from my credit reports. I filed a police report for the unauthorized account, sent the police report to them but the discover bank and experian still refusing to remove the account from the credit reports. Discover bank case number : XXXX
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX  CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit card or prepaid card

I have a {$220.00} charge on my XXXX XXXX Credit Card. When I called XXXX 's they said it was part of some promotional thing and the promotion has ended. I asked what promotion? They said some credit protection. I said I did not sign up for protection. They ( XXXX XXXX ) said to call that number for Credit pro. I called them and they said I signed up in XXXX XXXX. I did not sign up. They said they will stop the Credit protection and reverse only {$6.00}. 

Here is what probably took place. I have had XXXX 's card since before XXXX XXXX. When I was in XXXX from XXXX XXXX to XXXX XXXX the account was closed by XXXX XXXX. I believe I tried to buy something at a store and they said I could n't because the account was closed. So I got on the phone with someone and the reopened the account. I never signed up for any Credit Card Protection. If they did ask me on the phone for it then I would have not signed up for it. This is a deceptive technique and I am not the only victim. I want that {$220.00} back off XXXX 's card.
Product: Checking or savings account

On Friday XX/XX/XXXX at XXXX I transferred {$500.00} via XXXX from my XXXX checking account to my Key Bank checking account as I have done several times in the past. I received an email confirmation from XXXX that the XXXX was successful and the {$500.00} was immediately taken from my XXXX account. I did not receive an email from Key stating that it had been received. I called Key Bank that morning and during my initial call a young lady first said that they have been having some issue with XXXX that morning but after a very long hold time she said that she saw no XXXX transfer and that my issue had nothing to do with the issue they were having that morning. She instructed me to go back to XXXX. I called XXXX and they told me they have confirmation that it was sent and accepted by Key Bank and to go back to them. After multiple calls back and forth between the two banks and several hours of phone calls, long hold times and different departments I was told to " wait and see if it shows up in a few days ''. Today is Monday and I still have no record of my {$500.00} other than the receipt showing it was sent from XXXX XXXX. I also called XXXX but was told it had to be resolved between the banks. Can please please someone help me???
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. XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transition inquiries : 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 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