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

Dear Sir/Madam, I am writing to bring to your attention a grave matter concerning my TransUnion credit report. I have recently discovered fraudulent hard inquiries on my credit report that have been made without my knowledge or consent. These inquiries have had a detrimental impact on my creditworthiness, and I kindly request your assistance in rectifying this issue promptly. 

The following fraudulent hard inquiries have been reported on my TransUnion credit report : XXXX CO XXXX XXXX XXXX Bank ) - XXXX XXXX, 2023 XXXX ( Bank )- XXXX XXXX, 2023 XXXX CO XXXX CARD XXXX Bank XXXX XXXX XX/XX/2023 XXXX CO XXXX CARD ( Bank XXXX XXXX XX/XX/2023 XXXX ( Bank ) - XX/XX/2023 I would like to emphasize that I have never had any dealings or interactions with the aforementioned institutions. These hard inquiries do not correspond to any legitimate financial transactions or applications initiated by me. Therefore, it is evident that my personal information has been unlawfully obtained and misused for fraudulent purposes. 

As a diligent and responsible consumer, I regularly monitor my credit report for any suspicious activity. However, I regret to inform you that I did not notice these fraudulent hard inquiries on time due to the sophisticated nature of the fraudulent activity and the absence of any discernible red flags. It is distressing to acknowledge that such fraudulent inquiries can go undetected, but I assure you that I am taking immediate steps to address this matter and safeguard my financial security. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting. The FCRA stipulates that credit reporting agencies must investigate and respond to any disputes within 30 days. Furthermore, it grants consumers the right to request the removal of inaccurate or fraudulent information from their credit reports. 

In light of the circumstances described above, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to ensure the immediate removal of these fraudulent hard inquiries from my TransUnion credit report. I also request that you initiate a thorough investigation into the origin of these inquiries and take appropriate legal action against the responsible parties. 

Additionally, I have included supporting documentation, including copies of my identification and any other relevant information that may assist in the investigation. 

I am confident in the CFPB 's commitment to consumer protection and trust that you will handle this matter with the urgency and seriousness it deserves. Your intervention in this case will not only help restore my creditworthiness but also contribute to maintaining the integrity of the credit reporting system. 

Thank you for your attention to this matter. I eagerly await your prompt action and the resolution of this fraudulent activity. Please do not hesitate to contact me should you require any further information or documentation. 

My social security number : XXXX Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX THE ACCOUNT IS NOT MINE! 
I DID NOT AUTHORIZE THE XXXX XXXX XXXX ACCOUNT TO BE OPENDED! 
PLEASE REMOVE FROM MY CREDIT REPORT. 

I HAVE IDENITY PROTECTION AND THERE SHOULDNT BE ANY ACCOUNT OR INQUIRIES IN MY NAME. 

REMOVE FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a report against Experian for the failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating account is accurate, without providing any evidence of a inorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate : XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company TRANSWORLD SYSTEMS INC said I owed {$10000.00} for XXXX XXXX and Tolls. They agreed to take {$2000.00}. I paid {$200.00} every week from XXXX? XX/XX/XXXX to XX/XX/XXXX. 
When I called to make the final {$600.00} payment, they came up with another figure that I owed them which was {$600.00}, they said I still owed {$1700.00}. I wasnt sureee but said ... Lets get rid of this debt. So the woman, XXXX XXXX, said pay {$1700.00} today, which I did and then every other week ( for 8 more payments ( pay {$200.00} every other week starting XX/XX/XXXX. I have already made 3 payments of {$200.00}, bringing my ( supposed ) debt down to {$1000.00}. 

Today I got a bill from them ( typical ) in the ammt of {$8200.00}. So they say they will give me these deals ( drop the total and pay an agrreed upon ammount but keep sending bills for a larger ammt. 

I no longer have a XXXX  I just pay the bills as they come in the mail ... ex. XXXX BY MAIL etc. These people are scammers.
Product: Bank account or service

Wells Fargo add XXXX {$35.00} overdraft fees the same day I had a direct deposit in my checking account. In addition they add {$12.00} fee for moving money from my saving to checking account. This is in sane and worst than the shark loans.
Product: Debt collection

I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Product: Credit card

When trying to close my credit card account, I was put on hold for a significant period of time while the operator tried to find " supervisor '' who was apparently the only one that could close my account. I was on hold for over an hour with the operator coming on every few minutes to make sure I was still there.
Product: Credit reporting or other personal consumer reports

My credit has been negatively impacted due to the creditor selling my account to a debt collector without providing accurate information or following legal procedures. According to 15 U.S.C 1681 there shouldnt be any damages to my credit profile. I unauthorized sharing of my personal details, the lack of communication regarding the debt, and the absence of a 1099-C form, which could invalidate the debt.
Product: Credit reporting or other personal consumer reports

YOU HAVE VIOLATED FCRA 15 U.S. CODE 1681S2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES- ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE & ( FDCPA 15 U.S. CODE? 1692E.FALSE OR MISLEADING REPRESENTATIONS ) YOU ALLOWED THIS DEBT COLLECTOR TO VIOLATE MY RIGHT. I ALREADY DISPUTED THESE INACCURATE ITEMS OVER 35 DAYS AGO AND YOU HAVENT NOTATED IT AS DISPUTED!!.
Product: Debt collection

I was late with a credit card payment for my XXXX store card which I fully own up to as I have been working an insane amount of hours due to the huge XXXX outbreak. These people have been calling me every day multiple times a day, often times multiple times in a row. The other day they called 17 times in a row while we were on rounds in the XXXX. This morning they called 19 times in a row. The kicker is if you pick up there isnt even anyone there. This is beyond ridiculous, its outright harassment.
Product: Credit reporting or other personal consumer reports

I requested Experian update my credit report information regarding obsolete information such as old addresses ; however, they have not removed the obsolete addresses pertaining to my information. I have had identity fraud and requested this to be updated. They have not completed this request.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and found one account to be inaccurate, which I am disputing. Under 15 U.S. code 1681e ( b ) Accuracy of the report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. 

XXXX ( Account Number : XXXX ) is not late and should be corrected to " paid as agreed. '' Please change it to paid as agreed and never late thanks. 

I expect these inaccuracies to be corrected immediately. Failure to address these issues promptly is a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take further action if necessary.
Product: Credit reporting or other personal consumer reports

I am still receiving emails saying I am helping credit repair companies, which is not true. I send out the letters myself. 

Please fix this immediately, or I will have to take legal action. 

Here is the list of negative accounts and inquiries I want removed. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/2023
Product: Checking or savings account

Shortly after they had fixxed my last filed complaint with the consumer protection bureau, I received an email from money lion stating suspicious activity on my account. Becuase I added money from my XXXX XXXX, onto my money lion account then I venmoed ot to my XXXX XXXX XXXX daughter while she was on vacation with her dad in XXXX. My daughter doesn't have a XXXX XXXX, I allow her to have XXXX bank card. So I transfered the money from my XXXX XXXX, to money lion account. My money lion card is attached to my XXXX and is how I send my XXXX XXXX XXXX daughter, XXXX XXXX, money when she needs it. I then proceeded to XXXX my daughter XXXX dollars for sneakers while she was in XXXX  with her step mom and her dad. Money lion flagged this as suspicious and blocked me from all and any access to My money lion bank account. They emailed me asking for documents, which I provided. Then continued to tell me that someone would contact me in XXXX hours. They received my documents and to wait for then to contact in XXXX hours. XXXX  days later, they took money out of my other bank account for an instacash repayment. But still no contact as promised and no access to My account. Now over the phone they are telling me that they need XXXX to XXXX business days to give me access to My account. This can't be real. I get paid once a month. They are trying to tell me that they are not giving me access to My own money ... from the federal government.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed late payments on an account that I was never late on.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late.If Proof can't be provided I demand these payments be updated to on time as they should be as I was Never Late.Thanks.
Product: Credit reporting

I recently reviewed my Equifax credit report and viewed a XXXX XXXX account that is over XXXX XXXX XXXX. I respectfully request that the XXXX XXXX account be permanently removed from my credit report. Furthermore, I also observed the Hard Inquiries that I do n't recall authorizing. XXXX XXXX/XXXX/2016, Florida XXXX XXXX & XXXX XXXX XXXX XXXX/XXXX/2016. I respectfully request that these hard inquiries be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX. I have requested verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Product: Money transfer, virtual currency, or money service

" Wise fraud XXXX XXXX XXXX XXXX' Wise customer service by : Calling XXXX Mailing them at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Visiting XXXXwise.com where individuals or groups use the Wise money transfer platform to facilitate fraudulent activities, essentially " harboring '' scams by allowing them to transfer stolen funds or trick people into sending money through the platform, often by impersonating legitimate users or creating fake accounts. OR IMPERSONATING LEGIT AUTHORIZED VENDORS OF USA IP GOODS BRANDS AND XXXX, Scammers might use Wise to receive payments WE believe WE been the victim of a Wise money transfer fraud, report it to Wise and our authorities THE XXXX Since WISE OR XXXX OFFER NOM SUPPORT OR HELP -WISE BANK TRANSFER WISE Is Harboring Companies AND INDIVIDUALS DOING A crime that involves knowingly providing assistance to an individual who has committed a crime and is attempting to evade prosecution by law enforcement. AND XXXX XXXX  we follow these steps and procedure they refuse to help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Wise refuses to help after reporting fraud, here are some steps you can take : WE Dispute the transaction with our bank. WHO REFUSES TO HELP Even if you transfer money using ACH, WE open a dispute and potentially ASK WISE AND BOF A TO reverse the transaction.

WE File a complaint with the authorities Against Wise BANK. WITH THE XXXX XXXX institutions LIKE WISE SHOULD BE heavily scrutinized, and Wise should be investigated if they are not following proper procedures.
Product: Credit reporting or other personal consumer reports

On XXXX i had 3 hard inquires on my XXXX Credit Report. I have tried to contact all 3 companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan based on my Experian credit score, I have been trying to reach Experian to rectify the situation. They are reporting multiple scores ranging up to 60 points difference. The bank was provided one score, I was provided a 2nd score when logging into Experian 's website, the 3rd score is coming from my free credit report. There is no live operator to contact. Previous disputes went ignored.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of three accounts listed on my Equifax credit report by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of which are marked as " Charge Off. '' These accounts should not be on my credit report, as the information is incorrect, and I am requesting their complete removal. 

I have previously contacted Equifax and the respective creditors, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX, to resolve this issue, but the inaccurate information remains on my report. This erroneous information is significantly impacting my credit score and my ability to secure credit. 

I request that the Consumer Financial Protection Bureau intervene to have these accounts completely removed from my credit report. 

Here are the details of the disputed accounts : XXXX. **Account Name : ** XXXX XXXX XXXX XXXX*Account Number : ** XXXX **Opened Date : ** XX/XX/XXXX **Balance : ** {$7400.00} XXXX. **Account Name : XXXX XXXX XXXX XXXXAccount Number : ** XXXX **Opened Date : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX **Account Number : ** XXXX **Opened Date : ** XX/XX/XXXX **Balance : ** {$7400.00} To verify the accuracy of this information, I am requesting the following documentation from each creditor : XXXX. The original signed contract or agreement for the respective account. 
XXXX. Full payment history, including dates and amounts of all payments made. 
XXXX. Documentation of the charge-off, including the date and reason for the charge-off. 
XXXX. Proof of notification that I was informed about the charge-off. 

If the creditors can not provide this documentation, I request that the CFPB instruct Equifax to remove these accounts from my credit report entirely. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracy in my credit report regarding my auto loan with XXXX XXXX XXXX. Upon reviewing my credit report, I noticed that the payment history for this account inaccurately reflects late or missed payments. This is incorrect, and my account should reflect that I have always paid on time, with no late payments or delinquencies. 

The details of the account in question are as follows : Date ( XXXX ) of Disputed Payment : XX/XX/XXXX and XX/XX/XXXX I would like to point out that I have always made my payments on time and that the reported late payments are erroneous. This inaccuracy is affecting my XXXX XXXX and is damaging my financial reputation. I request that this information be corrected to reflect that my payments have always been made on time, and my account is in good standing with XXXX XXXX XXXX. 

Furthermore, I believe that the reporting of this inaccurate information may constitute a violation of the Privacy Act, as it reflects a failure to maintain accurate information, and possibly a failure to follow proper procedures in terms of privacy notice and consent. I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and accurate report of my credit history, and I believe this inaccuracy may indicate a failure in adhering to the requirements of this act, particularly in regard to the handling of my personal financial data. 

I kindly request that you investigate this matter promptly and update my credit report to show that my account with XXXX XXXX XXXX is in good standing, with no late payments. I have attached supporting documents, including proof of payments and bank statements, which show that I have consistently made all payments on time. 

Please provide confirmation of the correction of this inaccuracy and update my credit report as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt resolution and an updated report reflecting accurate information.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and noticed that there is a late payment for XXXX days for my credit card account for XXXX XXXX XXXX in XXXX XXXX XXXX PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Product: Credit card

I have a Chase Slate Credit Card on which I carried XXXX separate Balance Transfer Promotions which carried a 0 % APR for varying periods of time. It appears during the time the promotions were active, my minimum payments were applied to reduce the balance of the outstanding promotional balance transaction due to expire 1st. When the promotion which had a 0 % promotional APR expired, it 's unclear as to how the subsequent payments were allocated. It appears that the payment amount was split between the remaining 0 % promotional balance outstanding as well as the expired promotions outstanding balance. However, the amount applied to the expired promotions outstanding balance does not appear to have even satisfied the current statement cycle interest charges. Thus, between the XX/XX/XXXX and XX/XX/XXXX statements, the Balance Subject to Interest Rate increased from {$6300.00} to {$6400.00} even though a payment of {$190.00} exceeded the {$71.00} interest charges. Moreover, when I attempted to pay in full the expired promotional balance by paying {$6500.00} ( which exceeded the balance subject to interest rate on the previous monthly statement ), I was surprised to see still yet a remaining balance and interest charges accruing and perplexed as to why any portion of this payment would be allocated towards a promotional balance earning 0 % interest before fully satisfying the balance subject to interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax states XXXX verified a Bankruptcy. No Bankruptcy in XXXX data base. Delete Bankruptcy do NOT UPDATE! XXXX job denied because XXXX reported a Bankruptcy. FCRA violations XXXX XXXX XXXX, XXXX XXXX XXXX ( a ) et. al. Violation of privacy, no Permission to report without permission. Causing me injury to provide for family. Obey the law remove this from my credit report. Sent letter XXXX XXXX stating not verified, deleted from XXXX data bank. Possibly XXXX  and XXXX, my second complaint. Would like a statement from XXXX and Equifax under penalty of perjury they verified this bankruptcy! Delete immediately. Will fie complaint with the FTC to insure an unbiased reinvestigation and a removal of this bankruptcy off my credit report without prejudice.