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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and XXXX credit reporting agency , block information appearing on my XXXX and XXXX credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of information that was not by me on opened XX/XX/year> and XX/XX/year> under the account number XXXX ). This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and the inquiry stated below is unfamiliar to me. Therefore, the furnisher was unauthorized to pull my credit report. 
Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. 
XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Corperation does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX XXXX They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I have ordered 3 of my credit reports from the major credit bureaus I want them to do right by me as a consumer by federal law, as well as the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, Ga XXXX Demand for Method of Verification Unverified Account Dispute Sunrise Credit Services INC To Whom It May Concern : I am writing regarding an account reported on my credit file that I believe is inaccurate and unverified. I recently reviewed my credit reports from all three major credit bureaus, and this account does not appear to have been properly investigated.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of reports available to me, I believe this account is inaccurate, and your failure to properly verify it is unacceptable. 
I am also aware of the recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and XXXX, which highlights failures in proper investigations and handling of consumer disputes. I urge you to ensure that your practices align with the standards required under the FCRA.

To resolve this matter, I demand the following : 1. A detailed Method of Verification ( MOV ) that outlines how the information for this account was verified, including : The name and contact information of the party who provided verification. The exact steps taken to investigate my dispute.

Copies of any documentation used during the investigation process.

2. Immediate action to either perform a thorough reinvestigation or delete the account from my credit file if verification can not be properly substantiated.

Please note that under 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to be provided with a detailed description of your reinvestigation process and the method by which you verified the account. Your failure to provide this information will leave me no choice but to escalate the matter further.

If you can not verify this account within the legal timeframe, I demand its immediate deletion from my credit file. Continued reporting of inaccurate information is a violation of federal law and may result in a complaint filed with the CFPB, my states Attorney Generals office, or further legal action.

I expect a written response with the requested information within 30 days of your receipt of this letter. Please send all correspondence to the address listed above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I continue to have unauthorized hard inquiries on my credit report. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been fighting to have JP Morgan removed from my credit report, they have never replied to my investigation with the info I requested. All I received is the investigation is complete and verified. I have asked for what they have that verified the account they did not send copies. I have also send my 3 bureau credit report showing the inaccuracy 's they then removed interest they had been adding which is illegal on a closed account and goes against the FCRA. The past two months they have reopened the account with XXXX and this is causing catastrophic damage to my credit score. They legally can not open a closed account from XXXX that I have been disputing trying to get proof from them proving this is my account I would like this account. I have asked All three credit bureaus to remove if they can not show my proof. They never reply with proof just that is is valid. according to the FCRA is they can not show me what they have to prove this is my account with my signature they legally must remove ; they have not, they have instead reopened the account. What the credit bureau 's are doing along with JP Morgan auto is illegal and abusing their power to hurt people financially. I want this account removed from all 3 credit reports and would like to file a formal complaint against JP Morgan Auto for abusing their credit reporting authority. 

1st letter sent : XX/XX/XXXX 2nd letter sent : XX/XX/XXXX 3rd letter sent XX/XX/XXXX
Product: Credit card

I paid {$650.00} fee for a premium American Express credit card with many perks linked to XXXX. I received the initial reward linked to my XXXX account after staging 6 nights. I have not received any other points ( around XXXX ), since then. I did not receive Platinum Status nor the XXXXXXXX XXXX XXXX credits within 60 days of opening the account. I have tried 8 times to relink the correct account. This also included a 3-way call between an AMEX representative XXXX myself, and a XXXX representative to confirm my XXXX account number, name, address, phone number, and email all matched. Amex has tried to link the account to XXXX 8 times. Each time XXXX declined the link. Each time I have to call both companies and waste 30 mins of my day for something that could be manually done. I called XXXX today and they could not find a reason there is an issue linking. They referred me back to Amex. Amex, confirmed all of my info matched resent the request to link and escalated to someone else. The same thing that has been done several times before.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under our social security number and by the look of it this person that stole our identity was not able to pay the things opened under our name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$20000.00} XXXXXXXX   XXXX {$510.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX {$20000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY!

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.
Product: Checking or savings account

The advertisement I responded to promised a {$300.00} credit if I opened a new account and kept it open for 90 days. I also had to fund the account with an initial deposit of {$50.00} and make two direct deposits within the first 90 days. I opened the account on XX/XX/XXXX and my first direct deposit was made on XX/XX/XXXX. On XX/XX/XXXX, my balance on the account showed {$56.00} and I made a credit card payment for that amount on XX/XX/XXXX. A day after the credit card payment cleared on XX/XX/XXXX the bank claimed an XXXX charge had cleared prior to that charge and put the account in a negative balance of {$55.00}. Prior to all of this, the XXXX shipment cleared on XX/XX/XXXX so it makes no sense the charge would disappear from the account and appear again when I had a XXXX balance to place me in overdraft. The account had been opened for 90 days on XX/XX/XXXX. The overdraft occurred on XX/XX/XXXX. They are now telling me I am ineligible for the {$300.00} bonus because their fine print indicates the account must be open for 90 days and be in good standing through the time it takes them to process the payment, no matter how long that is. This is extremely deceptive in my view both in the fact that a charge disappeared from my account and then suddenly reappeared the very day they were evaluating the account for the bonus and just happened to disqualify me. The postcard I received said no minimum balance was required. Offers like this must be clear and this was not clear at all.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX CARD 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call and reach out to experian, XXXX, and XXXX and even send letters requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. I am really upset because the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score and history which is unacceptable.

Account name / numbers. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquires and fraudulent accounts opened without my consent. 

Inquires 1 XXXX XXXX XXXX XXXX XXXX 2 ) XXXXXXXX XXXX XXXX XXXX XXXX 3 ) Popular Auto XXXX XXXX 4 ) Popular Auto XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX  Accounts 1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) Banco Popular PR XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is reporting on my credit and I have never received anything from them. The debt is paid and should have never went on my credit report. They never even notified me and I had no idea what this was for until it showed on my report.
Product: Vehicle loan or lease

An employee of XXXX XXXX has fraudulently taken a loan for {$16000.00} with my name as a cosigner for a new car. I was alerted to this by the credit company as the individual has stopped making payments. I was never at the dealership authorizing any loan in my name. I contacted the dealership numerous times to get this resolved. They refuse to do anything to correct the matter. I have contacted the loan company and was told that the dealership has to correct the issue. Please investigate the dealership located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Maryland XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting inaccurate information to all three credit bureaus XXXX, XXXX and Equifax. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XX/XX/XXXX concerning an inaccuracy in their credit report file. While no other credit reporting company ( XXXX, nor XXXX  ) reports any negative information concerning my account ( a VISA card with XXXX XXXX XXXX # XXXX ), TransUnion does. 
I received a response to a dispute report I submitted XX/XX/XXXX from TransUnion dated XX/XX/XXXX that stated : " XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX , IN XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. '' It is my understanding that a credit report can not report negative information on an account after .... '' 7 years from the date the account was charged off or for 7 and a half years from the date the first delinquency occurred. '' I have previously verified with XXXX XXXX XXXX that my account was first reported to credit reporting agencies prior to XXXX, XXXX, a date more than " 7 and a half years '' prior to XXXX, XXXX. 
It is also my understanding that " under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty is {$3700.00}. '' As I included all of the pertinent information contained herein to TransUnion in my dispute notice, and TransUnion reports XXXX XXXX " verified '' the challenged statements as " accurate, '' both parties have violated their Fair Credit Reporting Act obligations. 

I respectfully request that TransUnion and XXXX XXXX XXXX, both be assessed penalties of {$3700.00}. I also request that TransUnion and XXXX XXXX XXXX be directed to correct their reported information, specifically that no negative information be reported by them concerning my closed Visa account # XXXX. 

I will be forwarding a copy of this communication to XXXX XXXX XXXX. 

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

I called 3 credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. XXXX XXXX  XXXX XXXX {$0.00}
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 USC 1681. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, 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 604 A Section 2 : It also states aa 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: Credit reporting or other personal consumer reports

I order a XXXX XXXX Tv from XXXX through Affirm. Tv was left on porch and no one was home a tv was stolen. I do not possess the Tv so I shouldnt have to pay for it. They said they would send me a replacement if I kept up with my payment but after no response I quit making payments. I also have the police report where the item was stolen and wasnt supposed to be left in a porch. I dont have this tv and would like for this to be taken off my report.
Product: Credit reporting or other personal consumer reports

Experian is violating the Fair Credit Reporting Act by failing to report the accurate balance of XXXX ( {$0.00} ) on my XXXXXXXX XXXX XXXX XXXX Acct ending in XXXX, which has had a XXXX balance since XX/XX/year> ( See snapshots of XXXX XXXX Account balance & details as of XX/XX/year> showing account balance of XXXX ( {$0.00} ) since XX/XX/year>. 

Instead, Experian is illegally reporting an inaccurate balance on my XXXX XXXX account of {$36.00}. ( See snapshot of Experian credit report as of XX/XX/year> showing an acct balance on my XXXX XXXX acct of {$36.00} ). 

Experian is also violating the Fair Credit Reporting Act by failing to report the accurate balance of ( {$0.00} ) on my XXXX XXXX Credit Card Acct ending in XXXX, which has a verifiable balance of XXXX ( {$0.00} ) as of XX/XX/year>. ( See snapshot of online XXXX XXXX acct balance as of XX/XX/year>. 

Instead Experian is reporting a balance of {$650.00} ( See snapshot of Experian credit report as of XX/XX/year> showing an acct balance on my XXXX XXXX credit card account of {$650.00} ). 

Despite my repeated attempts during the first ten ( 10 ) days of XXXXXXXX XXXX  by email with documentation in support sent directly to Experian to get Experian to accurately report the accurate balances on both my XXXX XXXX and XXXX XXXX Accounts, Experian is continuing to report balances of {$36.00} on my XXXX XXXX and {$650.00}.
Product: Credit card

Review credit reports and found a discrepancy of a store credit never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This conns credit was never used or ever been applied for by the complaintant. This credit is demanded to remove from credit file.

Does not reflect the entire account number!
Product: Debt collection

I received a call from a person name XXXX refused to give last name. said she is with Oliphant Financial she called my job to the girl that answered the phone she was calling about a debt i have n't paid. Cashier came and found me said there is a XXXX on the phone that said I have a outstanding bill she needs to talk to me about. I picked up the phone a a lady said she was with Oliphant Financial and I ask what this is about and she said she needed my social and d.o.b ..i told her Im not giving it to her.She said I know your at work and the girl told her I ca n't get personal calls at work and she said she said it was important it was a legal matter. I ask her last name and she said i ca n't get it. I told her somebody calls me at my job and ask for my ss # and date of birth but wont tell me why or give me her last name. she hung up on me. I still have no idea why she called she did not give me any info .gave cashier more info than she gave me that I owe money on a bill .but told me unless I give her my ss # and d.o.b she wont give me information
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I was told the heating system was {$150.00} a month for 15 months same as cash Then on XX/XX/XXXX I received a bill for {$29000.00} but I have never applied for a loan and have yet to see any paperwork that Ive filled out for a loan or signed and the system that is in my home, still does not work. I have no heat. The system has not passed final inspection. I refuse to let them back in my home because they wanted to put another hole in my roof. They said they made a mistake the first time. I would just like to see them come and get their system out of my home and cancel the loan agreement that I never applied for this all started for XX/XX/XXXX and have been trying every since to get out of this mess