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

I am writing to notify you of Fair Credit Reporting Act ( FCRA ) violations on my credit report and to request the immediate correction of these errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello, I received a copy of my consumer report last week and I see there is a account open under my aunt and uncle address. I never opened a Wells Fargo account under there address. I need this account investigated.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Unauthorized Inquiries from My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized inquiries listed on my credit report formally. These inquiries are damaging my credit profile and negatively impacting my ability to purchase a new home. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and remove any inquiries that were not authorized by me.

According to the FCRA, specifically : 15 U.S.C. 1681b ( c ) : A credit report inquiry must be permissible under the law and authorized by the consumer.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the information in a consumer report is found to be inaccurate or unverifiable, it must be promptly deleted. 
The following inquiries on my credit report were not authorized by me and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not initiate these inquiries, nor did I provide explicit consent for these entities to access my credit profile. As such, they are unauthorized and should not appear on my credit report. 

Could you please immediately investigate and remove these inquiries from my credit report? Please provide a written confirmation of the results of your investigation within 30 days, as required by law. 

For your convenience, I have enclosed a copy of my identification and proof of address to facilitate the verification process. 

Thank you for your prompt attention to this matter. Should you require any additional information, please contact me directly at the phone number or email address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was credit reports pulled and I did not give permission they where pulled XX/XX/2021 the company 's where XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX. On XX/XX/2021 XXXX XXXX PULLED MY CREDIT REPORT.I would like for them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$150.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir / Madam I noticed that my credit score had decreased by more than XXXX points, I have worked extra hard to keep my score high and divulge into exactly what is making my score at the number that it is. 
When I checked I saw an inquiry that is not familiar to me that took place on XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX. 

In addition there are XXXX negative accounts on my credit report that should be removed from Capital One. 
Then to add insult to injury-My old card has expired -Capital ONE has refused to send my new business credit card-because of the past issues that I have had with them. I spoke to a supervisor XXXX XXXX-she informed me of this, I have been vigorously attempting to remedy this incident. So the account of XXXX is still open, only I have NO physical card. They are holding my account hostage as retaliation. This is totally against the law I know it is. I am seeking legal advice on this as well.
Product: Student loan

Submitted a student loan payment of {$540.00} on XX/XX/29 and within the same day Ed Financial reversed the payment and only kept {$140.00}. Making me accrue interest. Upon trying to speak with them you cant get to customer service ever, and if you look up this issue you will see Ed Financial often does this to individuals in a shady business practice kind of way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform the reporting agency that I discovered some unauthorized inquiries on my credit report which violated my consumer right In Accordance with the FCRA section 611, I have tried to resolve this situation but nothing as happened please kindly remove the following inquiries from me report because i do not authorize them. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent a complaint letter to Equifax Credit Bureau Last time, and I have not received any response up to this date. On the other hand, the inaccuracies about my Inquiry are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : AA/CBNA Date of inquiry XX/XX/2021
Product: Debt collection

The XXXX XXXX under XXXX XXXX XXXX XXXX is reporting as a collections on my Equifax credit report. I filed a FTC Identity theft report and sent it along with my driver license and social security number to Equifax and filed a dispute. I was told by Equifax in XXXX Georgia, that my information will be uploaded on their system in 5 days and can be seen by the Equifax call center. On XX/XX/2023, I called Equifax and was told by several managers that my FTC identity theft report was validated and the collections will be removed within 7 days by Equifax back office. 

I was lied to. The collections has not been deleted. This is causing delay in housing for me and my children. Being homeless due to identity theft is a crime. Please help me get this removed so we can get a place to live.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX opened XX/XX/2019 Balance {$5600.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I called them to go over what I owe since it was a XXXX loan and I have paid like XXXX or XXXX XXXX and they said we can hit a settlement since they were trying to have me pay like XXXX XXXX dollars then Im not able to get in contact with them view phone or email the past 3 days no response they have the banking to my job have threatened to stop and take my check before not responding to me.
Product: Credit reporting or other personal consumer reports

I am writing this letter regarding payments that were marked as late by your company for the following accounts and dates : Account Number : XXXX, Late Payment Dates : XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX, Late Payment Dates : XX/XX/XXXX and XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX, Late Payment Dates : XXXX, XXXX, and XX/XX/XXXX, and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I informed XXXX of all the accounts that I didn't charge on and for them to remove them I submitted documentation stating I didn't make those charges
Product: Credit card or prepaid card

I received an email from Capital One that they would be closing my account due to inactivity. I am temporarily laid off from work due to COVID-19 and I can not accept that this is necessary for them to do at this time. It has been a while since I have used this credit card but I'm currently not in a good financial position to start any new payments. It affects my credit score and standing if an account is closed and they would not consider allowing me to keep the ac count open. In the past I have had car loans with Capital One and I do have another card with them that I am afraid that they will close that card account also. This could have a domino effect on my credit score and credit standing. I am nearing retirement age and am a renter. My credit score is my only lifeline since I do not own a home or have savings or assets of significant value. 
This is devastating to my financial predicament and Capital One seemed to not be willing to move on this decision. I do remember back in XXXX during the financial crisis another bank closed a credit card account that I had a significant balance outstanding and the Office of the Comptroller of Currency heard my complaint and was able to  persuade that bank to reopen that credit card account. That account is still open today. I do appreciate my rights being protected. I feel we are in quite a similar situation here where big banks are closing accounts for no reason other than perceived inactivity. I would have used the card and provided some activity if Capital One would have requested that under warning of account closure. I have had other credit card companies issue closure warnings, so I simply make a few gas and grocery purchases to satisfy their requirement for activity and to keep my account open and in good standing. This is crucial to my credit score and standing to keep my accounts open and in good standing. I truly need Capital One to reverse their decision about closing my account. Here is a copy of the Capital One email : Re : Your account ending in XXXX XXXX XXXX XXXX, Its been over 3 years since youve used this credit card account. As a result, the account will be closed due to inactivity on XX/XX/XXXX. Until then, the account has been restricted and cant be used for transactions or unrestricted prior to closure. We want to remind you that this account has a rewards balance of XXXX miles, and you have until XX/XX/XXXX, to redeem your rewards before the account closes. Youll be unable to redeem rewards after that date. Heres how you can review your redemption options and redeem your rewards : Sign in to your ac count at capitalone.com. Access your account using the Capital One Mobile app. For your security, we recommend you destroy all cards associated with this account and notify any other account users. If you need to call us, you c an reach us at XXXX. Please be aware that wait times may be longer than usual.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX
Product: Debt collection

ABR Recovery Services continually harasses me and places false information on my credit report. 

I previously filed multiple complaints against ABR Recovery Services : Complaints XXXX, XXXX, XXXX. 

ABR Recovery Services claims I owed them a debt that I had already settled and paid with another creditor, XXXX XXXX. I submitted this paperwork directly to ABR Recovery Services and all the major credit reporting agencies in XXXX and XX/XX/XXXX.ABR Recovery Services removed the reporting to the credit bureaus and multiple attempts. 

To my dismay on XX/XX/ I received a credit alert stating I had a new collection account placed on my XXXX  report from ABR Recovery Services. I immediately called XXXX  to dispute this. They have been no help. 

I am tired of being harassed by this company. This is the third time that they have violated my rights under the Fair Credit Reporting Act. 

I demand that they quit reporting false information and remove any reports of the account they have. I believe this company should be served a penalty for continued harassment and cause citizens duress.
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 ) that XXXX XXXX XXXX XXXX, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists the accounts below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$2200.00} - Listed as opened XX/XX/XXXX - Acct # XXXX XXXX  XXXX XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Account XXXX XXXX XXXX - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Acct XXXXXXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I XXXXXXXX XXXX XXXXXXXX Currently have some fraudulent inquiries appearing on my credit reports. I have listed all supporting documentation below. 


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

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

This company has no legal right too collect on this debt.. The fact that a debt is owed does not give lvnv legal rights to collect on the debt... I've sent validation letters too this company to show me their legal and lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed assignment of the debt with my ink signature.. They have failed too do so and now they have reported a debt that they have not proven i owed they have not provided my ink signature that i consented too have my debt be paid too any other party besides the original creditor.. This is defamation of my character.. This matter has been submitted too the attorney General and legal action will be pending
Product: Checking or savings account

For 3 years I have traveled to XXXX and used my chase debit card, the first 2 years I was refunded all non chase atm fees as I was informed by customer service that since chase has not atm in XXXX, I was entitled to refunds which I received 2 years. I again traveled to XXXX last 2 weeks ago and accrued not only non chase atm fees but numerous fee exchange fees. Why do I have pay an exchange fee when chase delays the authorization and then charges me the rate of exchange from XXXX dollar to us dollar the next day? the previous 2 years I never had to pay exchange fee, I do n't get credit from chase when the dollar is in my favor so why do I get charged when the dollar drops? I spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX x XXXX and she adjusted {$32.00} on XX/XX/XXXX, I left her 2 voice mails on XX/XX/XXXX and XX/XX/XXXX and she has not returned my call. I am requested the balance of non chase atm fee and fee exchange fee of {$48.00} to be credited to my chase account, thank you. As of today I have not had my phone calls returned or has my complaint to the BBB of New York been answered.
Product: Checking or savings account

I declined a transaction. And they sent a text message saying that XXXX did not allow the transaction and. 
My funds should not have changed.They are telling me that the transaction is pending and I can not do anything until it clears. This is not what their text message says. They should have to pay me for everyday that they hold my funds illegally.
Product: Consumer Loan

On XXXX/XXXX/2015 Capital One Auto Finance made an inquiry of my credit file with XXXX without my concent
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I went to XXXX XXXX in XXXX XXXX  Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then 24 hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, XXXX XXXX, and capital one auto finance they refused to do anything about this issue so I then filed a complaint with the XXXX XXXX XXXX and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first got the car it was with a local car lot, and then they sold my account to XXXX XXXX XXXX without my consent or knowledge. I started dealing with XXXX XXXX XXXX and told them that it would cost more to fix the car then to get another one. They agreed and said they would not tow the car or dont want it since it would cost them more money if they towed it. They are still reporting to my credit as late payments for a car I no longer have and they didnt want to pick up. I want this remove from my credit and the late payments to stop being reported it is predatory.