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

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised All inquiries reported was fraud said company had 4 days according to LAW to remove each item. Attorney General report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide documentation used to determine inquiry was indeed authorized by the consumer. EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature consumer is NOT as for e-oscar report if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap! SAID companies are liable under the SEC to follow certain rules. EQUIFAX XXXX File Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX I will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX 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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

In XX/XX/2022 I received an offer for a {$100.00} statement credit after {$500.00} in purchases during my first 90 days with Comenity. I satisfied the requirement by XX/XX/2022 but never received the {$100.00} credit.
Product: Credit reporting or other personal consumer reports

I DISCOVERED THAT MY PERSONAL INFORMATION HAD BEEN USED TO OPEN UNAUTHORIZED CREDIT CARDS & ACCOUNTS WITHOUT MY CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting Experian over the last several months regarding accounts on my credit report. They are still reporting 3 accounts due to fraud as well as an incorrect account from XXXX. Recently I sent them documents and told them to delete the accounts but theyve failed to comply. I have proof that XXXX  and XXXX  has already deleted the above accounts. Additionally, XXXX has found the XXXX  accounts to be incorrect and have updated them to never late. Furthermore, they have never sent me any proof that the accounts belong to me. As for the XXXX account, I sent them proof that all 3 credit bureaus have different information which is a violation of the law. The account is riddled with incorrect information such as lates and wrong balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

My application for a credit card at a department store was denied. Upon receiving the explanation for the denied application I found out the credit report contained inaccurate information. The inaccurate information stated I had an undischarged bankruptcy. Actually, there are two records of undischarged bankrupcy because I applied for bankruptcy twice in the last couple of years. 

I can not have an undischarged bankruptcies because my applications for bankruptcy were denied. Therefore, they can never be discharged because they don't exist. 
Nevertheless, Experian indicated this misinformation would be on my record for 7 years.
Product: Checking or savings account

I opened an account with Citi using the promotional code XXXX on XX/XX/20. I met the requirement to deposit {$15000.00} into the account within 30 days, and maintained that amount for the required 60 days. Citi has not credited my account the {$400.00} promotional amount within the terms specified in the sign up bonus terms, and when I inquired they stated I needed to have opened a second account and link it to qualify. I met all conditions of the sign-up bonus ( deposit {$15000.00}, do so within 30 days, and maintain that balance for 60 days ), which they agree that I did. As such, I would ask they be made to honor their end of the bargain, as I have left my money tied up with them for essentially no interest with the understanding I would be earning {$400.00} for signing up for the account.
Product: Credit card

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged det Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

: Cease and Desist Collection Efforts for Accounts as follows Dear XXXX, I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : innovis : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX refer to attached FTC REPORT XXXX .Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter
Product: Debt collection

I am writing to formally dispute a debt that you are reporting under my name. The debt in question is alleged to have been opened in Texas in XXXX. However, I have not resided in Texas since XXXX. The original creditor was unable to provide proof of the debt, which is why the account had previously been removed from my credit report. 

Now, Ability Recovery Service is reporting this debt with inaccurate dates. Additionally, I never received the legally required 30-day notice of the debts insertion into my credit report, nor was I provided with a dunning letter, which would have allowed me the opportunity to dispute the debt. 

Given these inaccuracies and the incorrect reporting, I am requesting that this debt be removed from my credit report in accordance with the law. 

Please provide confirmation of this removal.
Product: Debt collection

Debt validation via USPS, and was never received. 

Asked for proof that they have a legal right to collect on this debt and validation.
Product: Credit card or prepaid card

I lost my Cash App Card at XXXXXXXX XXXX XXXX and canceled it the next day I was charged twice for a purchase at XXXX & XXXX I made on Saturday and was charged again on Sunday two days after this on Tuesday somebody tried to use my old card on XXXX even though it was canceled. It would've gone through if my card wasn't already locked because me being charged twice on the purchase I mentioned at the beginning of this complaint. If this is not fixed I will stop using their service as I have had problems with payment and other things before.
Product: Debt collection

an account was opened without my permission that i dont recognize due to identity theft yet it continues to report even though i have copies of my police report id theft affidavit ftc all notarized information
Product: Credit reporting, credit repair services, or other personal consumer reports

The information regarding my employment with the XXXX XXXX XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by XXXX it is listed that I have no Employment information and on my report received by TransUnion it is reported that I have been employed by the XXXX since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report this incorrect late remark that shouldn't be in the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK
Product: Debt collection

I have never heard from this company about the alleged said debt they placed on my credit. Once I contacted them- they added two more accounts to my credit. I was in the middle of financing when the company USCB America placed an account on my credit in the amount of $XXXX XXXXI wrote them a dispute letter immediately by way of certified mail and included a copy of my police report. I have been a victim of fraud. I knew it was not my debt.... according to my credit it says the bill came from Kaiser. I do not have XXXX for health insurance. I have XXXX XXXX and my wife has XXXX XXXX so I am double covered so to speak. Anyway, I have not heard back from USCB America in regards to the alleged debt and its been over 60 days.... now they have added 2 more accounts to my credit. They have my contact information because I disputed the first collection account, now they have added 2 more.
Product: Credit reporting

I have disputed several fraudulent accounts that appear on my Equifax credit report since XXXX XXXX, 2015 and they accounts remain and no investigation has been done on my behalf. I have also spent countless hours on the phone with the unknown creditors and was able to have some accounts removed. I also sent Equifax a copy of my police report. 
XXXX XXXX XXXX account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBankruptcy XXXX
Product: Credit reporting or other personal consumer reports

My XXXX  account has XXXX late payments on my credit report which is untrue Ive never been late, my account was hacked and it was under investigation and my account was credited but they never updated the late payments because I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Notice some unauthorized inquiries appearing on my credit reports I have listed the inquiries below and some supporting documentation. 
1.XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3.XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX 4. XXXX XXXX XXXX of inquiry XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 6. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 7. XXXX XXXX Date of inquiry XX/XX/XXXX 8XXXX Date of inquiry XX/XX/XXXX 9. XXXX XXXX Date of inquiry XX/XX/XXXX 10. XXXX XXXX Date Of inquiry XX/XX/XXXX 11. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach.
Product: Credit card

In XX/XX/XXXX, I performed a balance transfer to Discover Card with a creditscore of approximately XXXX. XXXX months later Discover has issuedan 18.99 % interest rate. My credit score is now XXXX. I have XXXX creditcards, of which XXXX I cancelled ; A gold card XXXX with a balance of {$470.00} with unlimited purchase, a XXXX card with a balance of {$780.00}. 
I have another active and initial purchase range to {$17000.00}. 
Amex/Costco card with purchasing up to {$14000.00}, a balance of XXXX. 
After I inquired about the high interest rate, Discover sent me anemail on XX/XX/XXXX stating it had increased my credit limit an additional {$3100.00} ; and in an initial conversation stated it would lower my futurepurchases to 16 % +. I declined! In the initial offering for a balancetransfer, it stated the interest would be XXXX to XXXX. One might expect with nearvery good to excellent credit, the lower rate would apply, and anythingwithin theupper limits might apply to anyone with alower/riskier score. After numerous conversations to ascertain whymy interest rate was so high and having a present credit score of XXXX, what was the rationale that warranted the high interest juxtapose to the10.99 %. Discover sent me another email with thesereasons ; % of balances is to credit limits is too high on revolvingaccounts ; Too many accounts with balances ; Proportion of loan balances toloan amounts is too high.Yet, Discover is willing to increase my credit limit an additional {$3100.00}. Obviously my credit score and Discover 's desire to lend me morecontradicts these assertions. After you have read this, if you need. I have the email sentadditional information is needed, please contact me. I have the emailfrom Discover regarding the credit card limit increase, etc. 
XXXX XXXX
Product: Debt collection

I conditionally accept your offer upon proof of claim that NATIONAL CREDIT SYSTEMS can provide the original charging instrument for the mentioned accounts, pursuant to the UCC you must be the holder in due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument, I will gladly pay the alleged balance. 
In addition, I conditionally accept your offer upon proof of claim, you provide the XXXX which shows who the recipient and issuer of the funds are because it is to my knowledge that I am the issuer of said funds.
Product: Credit reporting or other personal consumer reports

* This is not a duplicate complaint * XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Discrimination and Antisemitism - Account : # XXXXXXXX XXXX XXXX XXXX  Dear Experian Consumer Relations, I am writing to bring to your attention a matter of great concern regarding my credit report, specifically in relation to an account under the name XXXX. I have recently filed disputes with Experian concerning this account, expressing that it is not mine and disputing its negative impact on my credit score. 

My credit score, which was previously in the XXXX, has inexplicably decreased to XXXX as of XX/XX/, despite no new negative information being reported. I find this decline both perplexing and unjust, as it is impeding my ability to secure loans for crucial endeavors such as home, automotive, and business ventures. 

I have diligently and repeatedly disputed the accuracy of the XXXX account, filing complaints in XX/XX/, XX/XX/, and XX/XX/. During these disputes, I communicated to Experian representatives that this account is not mine and is significantly impacting my financial prospects, resulting in loan denials. 

It is disheartening to note that, despite my efforts and communication with Experian, the matter has not been adequately investigated. The continued presence of the XXXX collection on my credit file is detrimental to my financial well-being and has created barriers to my pursuit of financial freedom. 

I must express my deep concern that these actions may be indicative of discrimination and antisemitism. As a consumer, I rely on credit reporting agencies to act impartially and ensure the accuracy of information on my credit report. It is disconcerting to believe that such actions may be motivated by factors beyond the objective assessment of creditworthiness. 

I am seeking a prompt and thorough investigation into this matter, as well as the removal of the inaccurate XXXX account from my credit report. I trust that Experian will address this issue with the urgency and gravity it deserves, ensuring fairness and integrity in the credit reporting process. 
I've filed FTC complaint # XXXX and was told to forward this to include a new CFPB complaint. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, which caught me completely off guard. I checked and refreshed my browser multiple times, but the issue persisted. Please review the documents I submitted and resolve this issue promptly to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified this reporting agencies to remove difficult information in which has been a burden to me. They have refused to comply and have violated numerous US Codes. I will copy the supporting letter I have sent to certified mail to both reporting agencies.

Re : You have violated my consumer rights numerous times.

This is not a dispute. Youre in violation of 15 USC 1681b ( a ) ( 2 ) there was no permissible purpose or written instructions from myself ever to have this consumer reporting agency furnish any of my information. Not only were you all ever given any written instructions, you retrieved that information for this consumer reporting agency and other, infringing on my right to privacy 15 USC 1681 ( a ) ( 4 ). Previously I have notified you all to have this information be removed, this consumer reporting agency have ignored my requests and violated my consumer rights. Upon your last response you have said this information is accurate, however yet again you all have violated 15 USC 1681a- ( e ). Who was interviewed? Neighbors, friends, or associates, anyone that may have knowledge concerning this situation? In the event, such information shall not include specific factual information on a consumers credit report. I am enforcing my consumer right and I demand all information associated with this matter be removed in the next fifth teen days of dated letter. I will be submitting a CFPB complaint for failure to abide by multiple subchapter laws. In the event this matter is not handled in the timeframe requested, I will seek litigation. 

1. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 

2. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 

3. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 



The file attached to this document will be from the bankruptcy court, stating they do not report any information to any consumer reporting agency. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Bank account or service

Citizens Bank unlawful withdrew money from checking account without remission. When confronted with problem citizens says it was the merchant problem merchant has no record of transactions. Citizens refuse number of times to explain their action on phone or correspondance to customer request.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed that there are XXXX inaccurate mailing addresses being reported. I called into TransUnion and XXXX and advised them that I am not associated with the addresses and any mail sent to them will not be delivered to me. They completely denied my request.