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

I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all  XXXX  of the bureaus ( transunion,  XXXX , and  XXXX  ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX4XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE THIRD TIME I AM ADDRESSING THIS ISSUE. MY STATE ATTORNEY GENERALS OFFICE ADVISED ME TO ADDRESS THIS AGAIN AS THEY WILL BE MONITORING THE OUTCOME. On XX/XX/2022 I contacted Experian to remove incorrect information that Experian put on my Credit Report without my authorization. The incorrect information was a Fraud alert and a Notice alert. Customer Service did remove the Fraud alert but REFUSED to remove the Notice alert. She was being defiant and over talking me not listening to the fact that Experian ILLEGALLY put information on my report that was not valid and without my authorization. Since she REFUSED to abide to my simple and legitimate request, I had to raised my voice and demand that this Notice alert be removed. She stated that I needed to submit documentation that was irrelevant to this situation. I stated that I didnt have to submit nor prove anything on my end since it was Experian that ILLEGALLY put a Notice alert that contained information that was simply NOT VALID! The Notice Alert read This address may be perceived as a high risk because it has pertained to a business, or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Experian assumed that my address is high risk with out any validity. As such it has cause me severe financial issues since I was denied from opening TWO Checking Accounts. This Notice alert is scaring future creditors away since they believe my mailing address is high risk and are afraid to send me mail there. This has been my address for THREE YEARS and it is NOT high risk! I had all 6 of my credit cards sent there. Obviously, if this address was high risk I would not of allowed mail be sent There and I would of changed it! Experian has the audacity to put this IRRELEVANT AND FICTIOUS information on my credit report ILLEGALLY yet blatantly REFUSES to remove it! I asked the Customer Services Representative for a Supervisor since she was being so defiant. She put me on hold for and extended amount of time PURPOSELY only to then claim there XXXXasnt a Supervisor available which was obviously a lie. Furthermore, she promised me a Supervisor would call me back within 24 to 72 hours which at the latest would be XX/XX/2022. In the meanwhile, I gave the Customer Service XXXX hours to remove the Notice XXXX. As of today XX/XX/2022, 14 days later after contacting Experian, the Notice alert is still on my report and I have yet to receive a call back from a Supervisor as promised. I knew a call back wasnt going to happen. Furthermore, the XXXX inquiry from XX/XX/2022 is still on my report. Experian stated they can not remove it but never gave me a reason why. It is NOT mine thus needs to be deleted. Experian removed other inquiries that were not mine yet refusing to delete this particular one. As a premium member I am disgusted how poorly I was treated, completely unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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

n accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.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 I HAVE NOT GIVING TRANSUNION, XXXX, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH
Product: Credit reporting or other personal consumer reports

I noticed a debt appearing on my SYWMC/ CBNA Account number XXXX which I believe is not mine. Upon reviewing the account details, I found that the debt listed was associated with an account that I did not open and for which I did not give any consent.
Product: Credit reporting or other personal consumer reports

TransUnion is opening and closing a closed account, XXXX XXXX XXXX XXXX Account Number : XXXX. Their 's not logical reason to do this. This process is hurting my credit score, reducing my opportunities at rebuilding my credit and my life with job opportunities. I've estimated the loss opportunities at {$750000.00} dollars. Please delete XXXX XXXX XXXX XXXX Account from my credit report, so this person can't continue to harm me! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted you by mail several times XX/XX/XXXX, XX/XX/XXXX. This is my final attempt to contact you through mail. I received an alert on my credit report that I have accounts that are in collections. I contacted the creditor, credit bureaus and sent a certified copy of a letter to you more than 60 days ago. I have yet to receive a response from any of you. The information that is listed on my credit report is unknown to me and it seems to be inaccurate. Placing misleading and false information on a consumer credit report without no viable evidence of any original documents of contracts with wet signature is a violation. Not being able to provide original contract documents with the consumer signature is a major violation. You are reporting a debt that is not attached to me as the consumer. I am aware of my rights and I will pursue litigation if this matter isnt resolve immediately and removed from all credit bureaus, secondary credit bureaus. I am allowing 3 business days for the removal of the inaccurate accounts. I repeat do not attempt to sell my personal information to any creditor bureau or company. If this appear on my credit report in the future I will be sure to continue my pursuant with litigation. You are the winner, believe that. This is not a threat. You have violated several laws in the FDCPA/ FCRA sections 609, 611, 807, and more I can go on and on. The account numbers are attached in a letter below in the attachments/document section The accounts that are inaccurate misleading and false. 
1. XXXX 2. XXXX 3. XXXX
Product: Debt collection

I called this company on XXXX XXXX. The company agent stated she would investigate my concern as I informed her that the debt stated is not my debt and it should be removed. She stated I would have a letter stating the outcome of said investigation in 30 days which I have not gotten any said letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violented my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 and Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with Hyundai from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from Hyundai Motor Finance ). HMF then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). Hyundai Motor Finance claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that HMF would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that HMF broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one. 

HMF also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called HMF ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call HMF indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. HMF informed me that they would escalate in order to process the lease extension paperwork since it was their mistake. 

HMF then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. HMF has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed. 

I have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by HMF I will be pursuing legal action and enforcing my rights under consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting Equifax to reinvestigate and update this Account from my report during the investigation period. As of this date, the Equifax has failed to respond to my written requests. Equifax must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX, Chief Executive Officer ( CEO ), of SELENE FINANCE LP has been attempting to collect on an alleged debt since XX/XX/XXXX. The debt was already paid/discharged with a NOTE way back in XXXX. There is a pending case in the county court regarding this matter that they took over in XX/XX/XXXX. There is no contract with SELENE FINANCE LP. They are a third-party debt collector interloper.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. The account was opened without my knowledge and these accounts do not belong to me. Please see attached FTC and police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - CARD SERVICE National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.
Product: Debt collection

I have written the company several times to verify the Debt. I don't know why this company is reporting to my Credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have actively disputed the account sold to XXXX. XXXX company in the amount of {$480.00}. This account was subsequently closed on XX/XX/2018, then removed from my credit file. 

On XX/XX/2018, the account reappeared from the same company with the same balance. It is now reporting on my credit file again as an " Open '' account. I received no further verification or notice of this account being added to my file after deletion. This is a violation of my rights. 

I am including a screenshot of my updated credit notification regarding this account.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Citibank dated XX/XX/XXXX that the dispute about the charges made on the card was closed and the charges totaling {$14000.00} will be rebilled to my account. Here is the copy of the letter I sent to Citibank on XX/XX/XXXX by certified mail. 

Citibank N.A. 
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX RE : Citi Card Account : xxxx To Whom It May Concern : I am writing to request you to reopen the investigation into my dispute with my AAdvantage Citicard Account Ending xxxx. 
I state that I have not provided the merchant with my account information and that my credit card information was fraudulently used at the merchant ( XXXX XXXX ) location in XXXX, South Carolina. 
This is a case of identity theft that has been perpetrated by individuals with the intent of stealing from the merchant using my identity. I am not responsible for these charges by criminals using my identity. 
As you will note from my record and profile with Citibank, I reside at XXXX, Nebraska and have lived at my current residence since XX/XX/XXXX. I am an employee of XXXX XXXX XXXX in XXXX. 
I was in XXXX, XXXX  XX/XX/XXXX on the day of the fraudulent transactions using my identity. I have not been a member of XXXX XXXX for several years, since XXXX. 
On XX/XX/XXXX my XXXX phone was fraudulently ported to another carrier which I reported to XXXX immediately on the night of XX/XX/XXXX. 
I was assigned a temporary phone number by XXXX, which was also fraudulently ported and XXXX issued another temporary number. It was several days before I received my original number xxxx after placing a porting freeze. 
I then received a letter from Citibank regarding the fraudulent transactions using ID theft at the merchant. I called Citibank immediately after receiving this letter and reported that I had not made these transactions. 
A dispute investigation was opened and Citibank issued a replacement card ending xxxx in place of card ending xxxx. 
Records will indicate that I have not used this card for several months. 
My credit score is above 800 as reported by three consumer reporting agencies. 
Please reopen this dispute investigation into this fraudulent use of my identity for criminal activity at the merchant. I will be happy to provide any information that would assist with this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following inquiries and account be removed for my credit report. 

Creditors Have Agreed To Remove Fraudulent/Unauthorized Inquiries : XXXX XXXX/XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX & XX/XX/XXXX XXXX Account : Creditor Has Agreed To Remove. Fraudulent Account. 

XXXX XXXX XXXX Account number XXXX This account along with the inquiries have been removed from my XXXX & XXXX Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I contacted XXXX, XXXX and TransUnion to reinvestigate the following accounts : 1. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00}, Partial Account Number : XXXX XXXX. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00}, Partial Account Number : XXXX. 
However, they stated everything was complete and accurate but that is not true as the open date, date of the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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 an 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. 
Also, XXXX, XXXX and TransUnion are not even in compliance with Metro2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit report act This creditor Carmax has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 states also states a consumer reporting agency can not furnish an account with out my instructions. Under 15 USC under 1666 B a creditor may be not treat a payment on a credit card account under a open and consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 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.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.