23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX  I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XXXX I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have the credit report showing the inaccuracies. 

( List the accounts Accounts ) Account Name : 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

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. As a victim of a data breach, these accounts were not authorized by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts blocked and permanently removed from my credit 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
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have some are fraudulent accounts appearing on my credit reports.
Product: Money transfer, virtual currency, or money service

on Tuesday XX/XX/2020 i had made a dealto sell my XXXX XXXX wit someone on offerup an they agreed to buying the phone which that same day i shipped the phone and i had given him the tracking number to complete the payment on cash app so the funds would be directly put into my account which didnt happen then i emailed cash app an they told me to change my settings an change it to business as i did then they said my money would be on my account by XXXX yesterday and today an previous before i had to refund XXXX then the money would be in my account then i got a email today talking about XXXX charges then doubled the amount of money to do the same thing wit the XXXX plus saying i owed some more money to cash app which i dont i jus want the money that i was supposed to get.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. 

EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which in turn is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my hard inquiries on my credit report with no permission from me .i tried to dispute all of them and the results was all my hard inquiries was closed but, still appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND  FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT
Product: Credit card or prepaid card

I had 3 fraudulent charges on my Citi card which I disputed on XX/XX/2021. The first 2 fraudulent charges Citi resolved and credited back to my card. The 3rd charge for {$250.00}, which went to a XXXX account, Citi said they needed to investigate. 

On XX/XX/XXXX Citi reached out to me with a response from the vendor and said I needed to sign a form saying I did not benefit from the transaction and it was not authorized by myself or anyone authorized to use the card, which I signed and returned on XX/XX/XXXX.

As I check my Citi account, there is a message dated XX/XX/XXXX saying that Citi has concluded they're investigation and found I'm liable ( apparently the vendor provided a fraudulent receipt and Citi didn't ask me for any followup regarding the misinformation on that receipt ). 

I'm baffled how Citi can conclude I'm liable before I had even sent back the affidavit affirming that I didn't make this charge, and without following up regarding the receipt the vendor sent which lists an email that is not mine, a fake receipt web address, a fake storefront web address, and a purchase for " furniture '' from a store in Michigan while I'm in Pennsylvania and there is no shipping or tracking information. 

Citi has reapplied the {$250.00} charge to my account which is showing on the outstanding balance. I will not be paying this amount, and am seeking resolution from Citi.
Product: Credit card

The Apple card was used fraudulently on fifteen charges. Apple has refused to correct fraudulent charges made over two years despite receiving proof that the charges were made. Apple charged me 28.29 % interest on charges that were already paid, once they investigated and deemed the charges valid. Each investigation the result was the same, not enough evidence to prove otherwise. I sent them multiple documents from each vendor, such as cancelled appointments from a XXXX XXXX who charged for tests I did not take and a visit charges when I clearly was not in her office. Another vendor, XXXX stored my credit card without my consent on XXXX after one purchase in 2023, then charged my card five additional times. XXXXXXXX refused to credit me for any of the unauthorized purchases and did not even refund the original purchase. My Apple card was not in XXXX online wallet so I had no way of knowing that they did that until I received the five additional charges. Apple also cancelled my card after I reported the fraud and prevented access to my account. Apple card has also been reporting 90 day delinquency to all three credit reporting agencies. Apple Card has a rabid collection agency that has been reporting this information and harassing me nonstop. Needless to say that there has been no attempt by Goldman Sachs to correct this fraud nor has there been any remedy to the fraudulent information reported to the credit agencies. I need help with reducing the balance to XXXX  and having Apple card ( or whichever collection agency they sold the debt to ) remove all negative information and balance from all three credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, CONVERGENT OUTSOURCING # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

All of a sudden my XXXX  check has been garnished.. when i called Social Security they said it had to do with the Dept of Education.. when i called them I got the number of a collection agency. This collection agency somehow was able to get a judgement against me even though they have been sending mail to address I havent lived at since XX/XX/XXXX. 

They had no idea I moved to Virginia in XX/XX/XXXXthey bought the debt in XX/XX/XXXXfrom a company that went bankrupt yet somehow they were able to garnish my XXXX  check. 

Its not my debt, they did not contact me and the 1st I hear of this is when my XXXX  check is being garnished.. this cant be legal the company is ECMC Corp
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX Experian reported that XXXX XXXX reported that I paid off an account in settlement for less than full balance. That never happened. I called XXXX and they said that the account was closed with a XXXX balance and they do not show that I paid in settlement, which was the truth, but the credit bureau says that XXXX is reporting to them that it was paid in settlement which did not happen. XXXX tells me on the phone when I talk to their credit reporting department ( XXXX  times, every XXXX weeks ) that they, XXXX, are not reporting it that way and that it is Experian 's error, not their error. Experian says it is done automatically and although I have disputed it XXXX times through the Experian automatic system that XXXX reports back the same error. This account was never in default or paid late and it was normally closed after the balance had been paid. There is no documentation that anyone has to show other than I paid it in full every month then closed the account ending in XXXX on XX/XX/XXXX with a XXXX balance. I have this in writing from XXXX dated XX/XX/XXXX. The credit bureau refused to accept the letter I send them and XXXX refuses to send them an elevated letter claiming I did not pay this in settlement and that it was closed with a XXXX balance and NO SETTLEMENT was involved EVER.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX : XXXX I reported this account that's 3 years old, and they will not remove it even though it does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, these entries were made without my authorization and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$15.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} Fraudulent Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Solution Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$220.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$230.00} **Inquiries** XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Consumer Loan

I began shopping for a new automobile in XXXX 2016. I have signed only two applications and it was upon the assurance from the Finance Manager at a XXXX and XXXX dealership that he could get financing for sure. I told them I already had my own financing and that I had a fraud alert in effect due to Identity Theft. I was assured it would be a soft inquiry. Of course I was turned down. I have only been in a dealership building twice but counting all XXXX Credit Bureau 's Hard Inquiry shows almost XXXX total inquiries. 
I understand there is a tern " Shotgunning '' where Automobile Dealerships pass your inquiry or tracking software to see that you have visited their web site and then the next day a salesman calls. 
Of course everyone wants to get the best price and I see nothing wrong with viewing their inventory online. I did not know they had the ability to see who visited their website until I got an angry email from a salesman at a XXXX dealership in XXXX AL who sent me a nasty email about visiting their website over 25 times and to make up my mind. 
I had a friend that formerly worked as a XXXX said all XXXX have sources that they can get Social Security numbers on anyone without consent of the consumer. 
I believe that laws should be passed to require a signature in person or notarized to sign for their Social Security number to be given. That is one of the provisions in the Patriot Act but Automobile Dealers and Mortgage companies. 
Therefore I ask demand that the Hard Inquiry placed on Credit File with XXXX and XXXX be removed within ( 15 ) days or Legal Action will begin. 
There is a section in the FCRA laws that you have reason to sue in ANY COMPETENT COURT OF JURISDICTION for improper Hard Inquiry from any Credit Report Agency. 
I am asking that you voluntarily see that your inquiry or inquiries be removed from the Credit Bureaus, or by acceptance of this Certified Mail, I authorize that I have the right to sue in the XXXX Court. Our Social Security Numbers will be provided on a separate document although you already have it. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Sunrise credit services put a collection on my credit for {$890.00} dollars. I immediately got an email on my phone that something negative hit my credit file. I realized sunrise credit services were the company that reported this. I spoke with a manager at sunrise and informed him it was fraudulent charge when he said XXXX  XXXX  XXXX. I asked him what address were they sending the bill to. He told me XXXX XXXXXXXX XXXX XXXX XXXX Alabama. I told him I moved 4 years ago. However, I told him that it might be someone I know or don't know. Maybe ex-wife or someone else that I don't know. I asked him what the charge was for and all he could tell me was an XXXX  XXXX. I said I have no idea about this issue. I was told If I paid him right now he would delete it off my credit file and send me a letter stating this. I paid XXXX dollars and decided to get it off my credit and file a complaint with XXXX. Unfortunately, I Never received the Email stating it would be deleted off my credit file. The man told me that it would be 5-10 days and possibly 30 to completely get it off my credit. So I paid and called back 3 days later and his manager stated it won't come off for 10 yrs. My XXXX XXXX XXXX dropped XXXX points. First of all I was never notified of any debt from sunrise credit service, secondly they lied to get me to pay them XXXX dollars. I feel like I was scammed by the company so I spoke to them again and they told me to hire a credit repair company. Please investigate this fraud! 

XXXX XXXX
Product: Credit card

I received a letter requesting my Tax ID #. The letter was dated XXXX XXXX. In bold letters they wrote : To keep using your account please resend by XX/XX/XXXX, XXXX We don't want to lost you as a customer but this account will closed if we don'e hear from you by XX/XX/XXXX, XXXX. 

I called them around XX/XX/XXXX to clarify what would meet their requirements. 

On XXXX XXXX I faxed them a page I believe would meet their requirements from my XXXX taxes. 

I called them on the XXXX to confirm they received it- but it was not logged into their system. I called again a few days later and confirmed it was logged in the system and would take 10- 12 days to process. Also, that " no news is good news '' On XX/XX/XXXX my card was frozen - without any notification. 

When I called customer service, ( XX/XX/XXXX ) the supervisor could only tell me was that my info was in the system and it could take 10-12 days to process ; that she had no access to any other information as it was in a different department. 

I believe this will affect my credit score, it has already impacted my business with automatic deliveries and payments
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process concerning an items on my credit report and to formally dispute these fraudulent information. Despite my diligent efforts to provide valid documentation, including the required FTC report, it appears that my message is not being properly received by your bureau. Let me be clear : I am personally initiating these disputes under my name. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

I am requesting your assistance in correcting my credit file, which is essential to my financial well-being and overall quality of life. I demand that you take immediate action to resolve this matter, and I expect to receive written confirmation of any updates made to my credit report. 

The items in question is unfamiliar to me, and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that this record be rectified. Enclosed is the items that are unfamiliar to me : XXXXXXXX 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, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX Balance : {$390.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been compromised and used without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$120.00} XXXXXXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$23.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX