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

I went into a XXXX XXXX on XX/XX/XXXX. At checkout I was invited to get 15 % off and told I was applying for points and it would be a soft pull. Minutes later, I got alerts that there were inquires. I alerted the store and synchrony bank. The bank told me to write a written statement about the incident and mail it. Weeks later I was told the inquiry was removed. However, last week I received a letter that there was another inquiry from XXXX XXXX. I have not applied for anything and this inquiry is on TransUnion. I also filed for bankruptcy in XXXX and all past inquires should have been discharged, but they still remain. I am very concerned because I also got an alert yesterday of dark web activity for my social security number and license number. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following fraudulent accounts on my Experian credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the immediate removal of these accounts under the FCRA, specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ) , and 15 USC 1681c ( c ) . Furthermore, as per Law 605 B, these fraudulent accounts should be eliminated from my credit report. Your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial Protection Bureau ( case name : " Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. '' ). This lawsuit highlights Experian 's failure to conduct proper investigations and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian address this matter in accordance with the FCRA. Please find enclosed a copy of my FTC Report, highlighting the fraudulent accounts mentioned above. I request that Experian promptly investigate this matter and delete these erroneous items within 30 days of receipt of this letter, as mandated by the FCRA. I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts from my credit report. 

Thank you for your time and cooperation.
Product: Credit reporting or other personal consumer reports

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

My Identity was stolen and a car loan was created in my name. I have filed a police report as well reported this to the Federal Trade Commission. 

The following account should be deleted from my credit report immediately. 

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

I discovered this morning that there are unauthorized inquiries on my credit report, and I have no idea why. When I checked my report as I usually do, I found discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. These inquiries stayed on my report, and Im extremely frustrated. Please review the documents Ive provided thoroughly so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$170.00} XX/XX/2020 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have an account with synchrony bank and a balance that is only 18 days past due and they continue to call me almost every two hours from an " unknown '' number about this balance. Although their number comes up as unknown, it leaves an automated voicemail stating that it 's synchrony bank and they require a payment. It 's absurd, annoying and basically harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months ago, I received a note of change on my FICO score ( at the XXXX XXXX XXXX XXXX ). XXXX said the FICO score is provided by Equifax. They decreased the FICO score from 770 to 699. This decrease affect my credit, when I am planning to buy a car. 
I contacted XXXX, they tell me to contact Equifax. 
I emailed, call and wrote comments in their facebook site. Finally got a hold of an equifax rep ( named XXXX XXXX, and she looked and took about 30 min to find more information and tells me that there is nothing derogatory in my credit. There is NOTHING that would trigger a decrease in my FICO score.

I asked about the error in computing the scores that Equifax had to fix not too long ago ( ruining many scores ). The represenative explained that my credit report doesn't show any negative mark to justify a lower FICO number. She tells me it is XXXX or FICO and they can't fix anything. 

I do not know where to contact. I have maintained an outstanding credit, and having the score lowered by almos 100 points is negatively affecting me. 
Equifax is not taking responsibility for their accions. 

This is Equifax Dispute number : XXXX
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any Reason. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion is reporting 3 Dept of Ed XXXX accounts inaccurately. 
The accounts are all paid and closed. The items they are reporting inaccurately are The payment status : they are reporting " late 120 days '' this needs to report the CURRENT status as paid as agreed. 
The two year history is outdated, they are reporting over 4 years old. This needs to be removed. 

Ive included the copy of my credit report for all three accounts with the areas highlighted that are inaccurate,
Product: Debt collection

I have reached out to XXXX numerous times about receiving itemized bills for my XXXX debts they are trying to collect on. I have spoken with XXXX representatives. The first representative that I spoke with in XXXX told me she would have the itemized bills sent to me- never received anything via XXXX or email. I called again in XXXX and requested another itemized bill from a new representative and nothing. I called again yesterday and was told that their " system isn't working '' by a supervisor. The representative who I spoke with in XXXX told me that this was going to report to my credit report and affect me negatively. However, I do not want to pay on something without a XXXX XXXX confirming the amount due/itemized bill of what is due. I also HAVE NOT received any written communication from them explaining I could dispute the validity of the debt. I just receive numerous voicemails/calls from them. When I call, I'm either hung up on or told " someone will call you back ''.
Product: Credit card

I called on XX/XX/XXXXXXXX  and spoke to a XXXX XXXX Capitol One concerning my XXXX Rewards card. I explained to her that yes, my payment which was due on XX/XX/XXXX was one day late due to the fact that my SSI was not loaded on my card till the XXXX of XXXX. I had previously called before the XXXX and told them it would be one day late. They have now slapped me with an over {$19.00} interest charge, a {$28.00} late fee and a {$54.00} minimum payment. I made a {$50.00} payment on XX/XX/XXXX as soon as my money was posted. This {$50.00} more than covered my minimum payment of {$28.00}. In addition, it says my balance is STILL over the limit of {$750.00}. It did nothing to bring my balance down. Instead I get slapped with fees and what available credit I had disappeared. They are ripping people off, or in .y opinion they are me. I want this resolved, it is ridiculous.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company on multiple occasions. They told me that the addresses were going to be removed but they still show up. My only name is XXXX XXXX. It should only be one name. My address has always been XXXX XXXX XXXX XXXX, XXXX, FL XXXX. No other address should be on there. I am DEMANDING this information be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago I received multiple notifications that my information was exposed in several mass data breaches such as the XXXX data breach and XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. This has made my life very difficult by this identity theft.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires and would like for them to ne removed within four days of the FCRA 605B
Product: Credit reporting or other personal consumer reports

Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C. 
1681c-2 ( a ). Dear XXXX, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. 

- Requested Removal of Inquires XX/XX/XXXX XXXX XXXX  an XX/XX/XXXX. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.
Product: Mortgage

On XX/XX/19 I received notice that my homeowner 's insurance has not been paid. I forwarded the notice to my mortgage company for payment and nothing has been done to date. 
Today I received notice from the mortgage company that since my policy is going to be cancelled they will provide insurance for me at a higher rate. 
I have an escrow account with the mortgage company and they have failed to make prompt insurance payment.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. this situation raises concerns about consumer protection laws, and I request assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

Representative by the name if XXXX XXXX called my husband from Capitol Accounts very rude on the phone and using obscene language. I called the company at XXXX spoke with XXXX advise her on what happen she transferred me to supervisor XXXX I advise him on what happen he did n't sound like he really cared or was concerned.
Product: Money transfer, virtual currency, or money service

I had someone send me funds. however they sent it to the incorrect person. The funds were unable to be retrieved and reallocated.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. I'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.
Product: Credit card or prepaid card

I received a prepaid XXXX gift card which advised that if I wanted to use it online I needed to register online. I attempted to register the card and system advised me to call the card center. I was instructed to upload a picture of the front and back of the gift card and a picture of my driver 's license, which I was hesitate to give a picture of my driver 's license, but was told they wouldn't activate or reissue my card with no official government I.D . I followed all instructions, including uploading the required documentation and when I clicked submitted, I got an error notice and was told to do it all over again, which I did and got the same error notice. Now the website tells me to call the card center again. 
This is an arduous process in which it appears to be a deterrent by the card company to make the process frustrating and time consuming so the gift card recipient never uses the card, thereby allowing the card company to keep the money. 
This is far from the only time this has happened to me, as a matter of fact it happens quite often and this time I decided to make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep re aging the closed account date and reporting new data on a account thats has been closed and sent into collections is a direct violation to the fcra regulations and laws for the XXXX XXXX XXXX I account in every credit reporting bureau has done this with this account that does not belong to me in the first place the practice is very illegal and can and will result in a lawsuit
Product: Credit reporting or other personal consumer reports

I was denied preferred insurance rates because of a claim on my LexisNexis Report. It was for a home address I do not own, in a city where I do not live. The person has the same first and last name as me. I disputed the report. It was denied, and I filed a second dispute. I provided my social security number and driver 's license. I contacted the other person 's insurance company XXXX XXXX, in XXXX, XXXX ), and her agent gave me additional information about her. She is XXXX XXXX XXXX. I am XXXX XXXX XXXX. Her home is in XXXX, XXXX. My home is in XXXX, XXXX. I have lived in XXXX since XXXX and own no property outside of our area. My home insurance policy was issued by XXXX, and we have been XXXX customers for approximately XXXX  years. I do not have a policy with XXXX, and I did not have insurance with XXXX on the date of her claim in XXXX. LexisNexis denied my dispute stating it was confirmed with XXXX. However, the phone number provided in the dispute does not link to a person. It is the address of a XXXX XXXX  in XXXX. I want LexisNexis to correct my report. I don't want her claim for this or any future claims to affect my ability to purchase insurance at favorable rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

I received an email and prequalified offer from One Main Financial XXXX, Florida branch which stated I qualified for a {$3400.00} unsecured loan and a {$7600.00} secured loan, then after they collected all my documents, pay stubs, bank statements and drivers license they denied the loan. I believe it is based on my name and XXXX. This branch can be contacted at ( XXXX ) XXXX. They asked me to get a co signer which I find discriminatory and ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau used Oscar system instead of getting accurate information from XXXX XXXX  Credit Bureau continue to report inaccurate information. Causing my credit score to decrease preventing me from obtain residence. I spoke with XXXX XXXX  and they informed me that last balance statement was XXXX balance. Reported wrong inaccurate balance. The last statement for XXXX shows a XXXX balance with a credit of {$540.00} which means I over paid above the credit limit. Which still means balance is XXXX. Credit limit is XXXX but available credit limit is {$1400.00} related to the over payment and XXXX credit. Please READ accurately that the balance statement is a XXXX CREDIT not and Owed balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit report that I do not recognize that it's not mine! I disputed it with the three major credit bureaus and asked for proof from the debt collector of verification and what I received was anything but verification just a piece of paper with ink on it! No signatures no dates no credit card numbers debit numbers cash payments anything! Just my name and a amount owed to XXXX. The debt collector 's name was not even on the statement so I don't know why they are even collecting on something I know nothing about! I am attaching the letter that they sent me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out a letter regarding false and unknown things on my credit report. Over 60 days later, I have not received a response yet from the bureaus. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted rapidly. If the accounts are not deleted immediately, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX  XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX