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

There are 6 accounts 1 bankruptcy and many inquiries that are not mine I have not signed, used or know what these are!!! I have no idea how they are on my report or whos these are I need help the bureaus and the furnishersdont knwo what these are. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry US DIST CT - Reference Number XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear XXXX XXXX XXXX : Why does a Collection inquiry for {$1400.00} XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) appear on my credit report? I personally havent been to the hospital since XX/XX/XXXX the only time due to a car accident and my insurance pay for my bill. I believe that those bills were unlawful. I contacted the office of the Florida attorney general and I request that you send me the information that you collect on the time of service, copy of my social security and dated with my driver license and any other information that pertain for this account. 
Aren't you aware that you must enforce the permissible purpose? 
Provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

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

I am writing to request the immediate removal of an account that has been incorrectly reported on my credit history. This is the second time I am compelled to contact Experian to resolve this matter, which I find unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) .The account in question, reported by Experian, contains incorrect information that negatively impacts my credit score. Below are the discrepancies identified : 1 ; Inaccuracy of Information : The account reports an outstanding balance that does not reflect reality. 
2 ; Lack of Authorization for Publication : I have never explicitly authorized Experian to publish this account on my credit report. This action is not only inappropriate but also illegal under FCRA regulations. 
3 ; Continued Damage : The incorrect information has resulted in credit denials and has severely affected my financial situation. Despite previous attempts to correct it, the erroneous information remains on my report. 
XXXX XXXX XXXX, XXXX
Product: Debt collection

I was a customer of Fortiva who notified me via mail on XX/XX/XXXX that they had not only charge-off : {$2100.00} worth of debt as of XX/XX/XXXX, but also that it was sold to XXXX XXXX XXXX XXXX XXXX. This is an entity that I have had no interaction with nor have I knowingly or willingly gone into contract with them. 

However, they are now fraudulently claiming that I am indebted to them as a result of an elected and unlawful purchase of my private information from Fortiva. 

Fortiva violated my rights by selling my information to a third party while claiming a loss, but making a profit off of the sell of my information. 

I request a 1099c.
Product: Mortgage

The lender Wells Fargo has taken from XXXX 2016 to now, XXXX XXXX to get our loan approved and get us to settlement. We were borrowing only XXXX, we have very high credit scores and own a home. Our loan was approved but the rest took many months and we really do not know why. The loan office kept telling us things were progressing. Due to what I can only see as negligence we lost the first house, and now, are on the third - due to Wells running out the clock on the deadlines. Wells Fargo does not respect contract deadlines. I want a government investigation of Wells Fargo lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I was notified on   XXXX   that there was a change to my Experian credit report. This item was deleted in   XXXX   XXXX     and I was not notified in 5 days that 's it would be placed back on my credit report.
Product: Checking or savings account

XX/XX/XXXX I made a deposit into my checking account with a check I received from my other financial institution. USAA put a hold on the funds until XX/XX/XXXX, 10 days later. I have made numerous attempts to have the hold removed, each unsuccessful. I have held numerous accounts and products including loans, insurance products, and deposit accounts with the bank over a span of 8 years. They have repeatedly refused to release the funds despite the funds having already cleared from XXXX, where the check originated. It is an unreasonable delay and hold of my funds that originated from my own account at another financial institution, funds that have already cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer rep
orting agency Can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 could not get through after constantly on hold This company keeps lowering my score, I have paid off a loan and 2 credit cards, I opened a new credit card, one that carries no annual fee, they lowered my score by 17 points because I charged XXXX to one of my cards, that is not right at all, my overall balances have decreased over the last 8 months, I have not been using the cards, I just used one to pay something, my debt to income ratio is at 25.2 %. I have been trying to get my score up, and they decrease it for no reasonable cause! see attached to the latest, I was almost at 640 now they decrease me and put me at a low score again, this is going on too long I need assistance. My friend recently got a new credit card with no annual fee, and closed another and her score went up 45 points! my payment history is stellar this is unfair practice!
Product: Credit reporting or other personal consumer reports

on XX/XX/24 I filed an ftc report concerning inquires that i did not consent to, authorize nor benefit from. FTC report number XXXXaccording to FCRA 605B THIS INFORMATION MUST BE BLOCKED IN 4 BUSINESS DAYS FROM THE RECEIPT OF THIS COMMUNICATION. As of today the iquiries are reporting on XXXX, TRANSUNION and XXXX. ON XX/XX/24 I called TRANSUNION and spoke to XXXX in the fraud department she said transunion did not recieve the FTC report and it would take XXXX days to remove after receiving the documents. Atttached is original letters sent to XXXX, TRANSUNION and XXXX.
Product: Debt collection

I was alerted of a collection on my credit report. I have never received a bill or notice. I called them to dispute this item and they have not responded. I do not know what this bill is or why it is on my credit report. The original creditor would not talk to me or give me any info about this debt. The name of the company is Doctors business bureau. XXXX Fl. XXXX. The original creditor is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Checking or savings account

Hello, I received correspondence that I allegedly owe a debt to Chase. I have sent out letters with no response, I also have copies notarized of all the letters I have sent. I'm a XXXX XXXX raising and taking care of a XXXXyear-old, and truthfully Chase I truly do not have time for this XXXX. Please, Chase Executive Office, look into this and if required have someone else as well. I was a victim of fraud, and I wanted to continue my partnership with Chase and become a J.P. Morgan Client, for which I now have the required assets to do so XXXX XXXX. But, I will not pay an alleged debt where I was a victim of theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX keeps calling me at work, my phone number is XXXX and my work number is XXXX. 

XX/XX/year>, XX/XX/year> 2024
Product: Consumer Loan

Hello XXXX XXXX complaint Ally inspected my Blue XXXX car and wants {$180.00} dollars for a scratch that is definitly under 2 ''. See Pic. Me and the dealer walked all around the car and did not see anything. I even bought the touch up paint the day before and fixed a larger scratch that they did not even make thier wear list. I would have fixed this if I saw it. I did check. 
The dealer did not mark up a inspection sheet like the rental agreement I found in the new car. This should be standard procedure for leesee turn in. It is for rentals. This is a big hole in the system I can send pictures. 


2nd complaint Ally agreed on XXXX to accept {$580.00} dollars by a XXXX on XXXX. XXXX ( another Ally rep recognized this note on XXXX. 
A third rep XXXX on XXXX recognized a note but blew it off as meaningless. 

The letter is asking for {$640.00}, when XXXX was agreed on. 

Are verbal agreements with leasing companies meaningless Thanks for any help XXXX XXXX
Product: Credit card

On XX/XX/year> I purchased a couch for {$2800.00}, I requested a refund from XXXX XXXX the following XXXX  and they accepted that they will acknowledge the refund and provide me a path to do so ( Check document attached ). XXXX XXXX however stated that they are not responsible for processing the return and it is XXXX XXXX but XXXX XXXX stated the exact obvious. Since the refund was not being implemented, I contacted XXXX XXXX the creditor and disputed the charge, they refused to give me back my money and hung up on me on the phone multiple times. This is an issue with XXXX XXXX mainly for refusing to refund my money, also XXXX and XXXX XXXX but not giving me correct information on who is responsible for processing the refunds!
Product: Credit reporting or other personal consumer reports

I asked company for proof that I owe this debt, including a signed agreement or contract that shows my obligation to pay, and evidence that the company is legally authorized to collect this debt from me.
Product: Checking or savings account

On XX/XX/2023 I fell victim to a robbery while away at college and shares joint accounts with my mother and father. My phone and wallet were stolen during the incident, which contained my Wells Fargo debit card, as well as an XXXX XXXX and XXXX card, both linked to our family. No sensitive personal information was stored in his wallet, aside from his driver 's license. 

The thieves wasted no time and embarked on a spending spree using the XXXX card, accumulating a substantial sum in a remarkably short period. 
Fortunately, XXXX promptly contacted us to confirm the legitimacy of these transactions. Upon discovering the unauthorized charges, they promptly canceled the card, and within 12 hours, all the erroneous charges were removed from the account. The thieves did not attempt to use the XXXX XXXX card, but as soon as we were informed by XXXX, I contacted them regarding the issue. Within an hour, my mother visited our local branch of Wells Fargo to report the theft ( I couldn't make any calls as the thieves had taken my phone ). I was also stranded on the road with no way of leaving due to the fact my car keys were stolen. 

Remarkably, during the short time it took my parents to go to our local branch in Colorado, the criminals managed to contact the telephone banking department, check the balance, and transfer {$5000.00} from my savings account to my checking account. They also incurred {$3400.00} in charges using my debit card. We were able to halt further damage by blocking the debit card, but the situation had already escalated significantly by then. The branch representative was the one to inform us of these events. 

In response to these alarming developments, my parents promptly initiated a fraud claim with both the branch representative and a fraud claim specialist over the phone within hours of my debit card and cell phone being stolen. 
Within a few days, we were shocked to learn that the claim had been closed, the case had been concluded, and it was determined that no fraud had occurred, thereby denying any refund of the funds. My mother made several attempts to reopen the case, but each time it was closed, with a different reason provided for not classifying it as fraud, and the explanations seemed to vary each time. We have invested countless hours on the phone with various fraud department personnel, with some suggesting that it was a clear case of fraud and should be escalated, only for another call to inform us that it was not a fraud case and had been closed. I have provided a police report along with receipts from the day of the robbery and Wells Fargo continues to deny my claim. As a XXXX XXXX XXXX XXXX  student this amount of money is a very big deal to me and Wells Fargo has continued to deny that there was any unauthorized transaction.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information about them, and the company proceeded without my consent.
Product: Debt collection

I do not owe this debt I have disputed it several times they have harassed me by calling after I told them I was dealing with XXXXXXXX XXXX  now a different debt collector is emailing and harassing me
Product: Debt collection

XX/XX/22 XXXX CT National Credit Adjustment Called a company provided cell phone, Never used phone for personal usage, would not verify how number was obtained, No debt validation, refused to send letter of debt verification or dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Hello My name is XXXX XXXX, I lost My Bank of America credit card in XXXX, Someone used my credit card, in XXXX, Fraud I disputed the charges which I didnt make but month later bank Bank of America told me Im responsible for that charges which I dont recognize that charges. 
Please help me Thank you
Product: Prepaid card

ON XX/XX/XXXX2024 AT XXXX i brought a vanilla gift card loaded {$310.00} on there ( im homeless just lost my apt ) was gon na use this for my phone bill and an cheap XXXX many issues and phone calls later i couldn't use my card anywhere. later that day someone got access to my gift card without having the physical card meanwhile i couldn't use the card anywhere online or in store minutes after purchase. after several calls to the company they cant being dishonest and deceitful which is unacceptable today is XX/XX/XXXX i called them to get an update on a dispute case to be told its not dispute case anymore without any notification from them to be hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021, XXXX, Equifax and XXXX XXXX are reporting inaccurate information on my credit file. The following accounts are being reported inaccurately on each credit bureau. 

XXXX XXXX # XXXX XXXX  - 2 late payments Equifax - 0 late payments XXXX XXXX - 1 late payment XXXX # XXXX XXXX  - 3 late payments Equifax - 1 late payment XXXX XXXX - late paymenXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  - 5 late payments Equifax - 2 late payments XXXX XXXX - 1 late payment