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

I am submitting my dispute and or complain to CFPB once again regarding accounts that are on my credit report that I have previously disputed as Identity Fraud. The accounts that are fraudulent on my credit reports are as follows : XXXX XXXX Acct # XXXX - {$8100.00}, XXXX XXXX  Acct # XXXX - {$8300.00}, XXXX XXXX Acct # XXXX - {$3600.00}, XXXX XXXX Acct # XXXX - {$880.00}. And also a collection account- XXXX XXXX XXXX Acct # XXXX - {$2900.00}. Some of these accounts I disputed as ID Theft fraudulent a few times and they were removed from my credit report and now the accounts have all been re entered to my account. Again, I ask of you to please remove the accounts as Identity fraud and I have once again attached my police reports which all the credit bureaus have on file and all the FTC Affidavits that I have also previously sent before. Please as this is done accordingly please send me a corrected credit report with all five of these items removed. Also, there are addresses on my credit report that doesn't belong to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. These do not belong to me so please remove them. Also, my name is XXXX XXXX XXXX and not XXXX XXXX XXXX please remove that name. 

This is affecting me negatively and is costing me alot with these issues. Please remove them. Also, I have been blocked from being able to look at my Transunion report and also XXXX  credit report online. I am also continuously not able to get in touch with a representative because I was told that a special group is handling my credit report and they work selected. I should be able to look at my report any time that I want. Please fix this please I am asking again.
Product: Credit reporting or other personal consumer reports

Dispute documents where sent in XX/XX/2024, there has been no response. A 30 day demand to comply letter has been submitted, and there still been no response.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/XXXX  and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no response
Product: Credit reporting or other personal consumer reports

Here is a detailed account of the circumstances that led to the missed payment and why I believe I am not at fault : 1. Account Access Issues : Both the authorized user and I were locked out of the online bank account, preventing us from making the necessary payment. 
2. Customer Support Limitations : When we reached out to customer support for assistance in unlocking the account, we were informed that they could not provide the account number, which was required for us to regain access. 
3. Payment Made Over the Phone : To resolve the issue, we decided to pay the full remaining balance over the phone end of XX/XX/year> for XXXX. During this process, we were assured that there were no additional charges outstanding. 
4. No Additional Purchases : After making the payment, no additional purchases were made on the account. 
5. Credit Score Impact : Despite our efforts, I noticed my credit score dropping from over XXXX to around XXXX after a month and a half. Upon investigation via XXXX XXXX ( again still no access to credit card account directly ), I discovered that a small balance of approximately {$25.00} remained on the account and had grown to around XXXX due to late fees, which led to the negative impact on my credit score. 
6. Resolution with Customer Support : I contacted the collections department and spoke with a team member who provided the account number, enabling me to finally be able to sign in, review the account, and pay off the remaining balance, including late fees. We noted that the previous support agent changed the payment alerts from the authorized users email to an email that we do not use to be notified for payments. After explaining the situation, the team member agreed that I was not at fault and credited the late fees back to my account.
Product: Credit reporting or other personal consumer reports

My information was apart of and exposed in a credit breach.
Product: Mortgage

I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX that my loan # XXXX was being transferred to PNC Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX loan # XXXX. In a letter from PNC, I was told that funds would be drafted from my bank account and that the banking information was to be provided by XXXX XXXX. I highly objected to this. I did not give anyone permission to pass on my private information or PNC access to my financial instutution. 

After talking with PNC, I was told that my private banking information was going to be sent by XXXX XXXX without my permission and funds would be drawn from my bank account by PNC bank without my permmission. 

I placed a call to XXXX XXXX and it was explained to me that if they set-up a contract with PNC that granted the transfer of my banking information through a data conversion. Private information was to be shared without permission and accessed without permission. When I asked PNC Bank if this was legal they hung up on me and refused to discuss the matter.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you guys please help me to remove those inquiry because I never gave authorization to those bank to pull up my credit im already contact experience XXXX XXXX To help me with the situation, I even contacted Company nobody answered me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to XXXX, Equifax, and XXXX credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay, over the past several months I have been corresponding with " LexisNexis Credit Reporting Bureau '', Trying to get them to delete a Bankruptcy charge off my report.

This company is a Third Party that sell information to other credit reporting Bureau which is against the law. I have copies of all three different Credit reporting agency Last credit reports. One XXXX Reporting Act shows a correction vs the other two.
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 : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX 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 a 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

CFPB I have asked XXXX multiple times to look into inaccuracy 's on my credit report reporting by capital one. XXXX has stated the report is accurate. I asked XXXX for the investigation report. XXXX still has not provided me with the investigation report. one of the inaccuracy that XXXX is reporting is as a charge off by Capital one stating the last charge off date is XXXX XXXXI have attach the payment receipt with the confirmation of payment for capital one before that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX,  XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX,, XXXX/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 card

I was advertised a Capital One Venture Card ( https : //www.capitalone.com/credit-cards/travel-and-miles/? external_id=WWW_XXXXX_ZZZ_ONL-SE_ZZZZZ_T_SEM2_ZZZZ_c_Zg_ef6a76b9-eeef-4dc3-899d-afb032d36fcf_672112728137_667199 & target_id=kwd-26250507191 & oC=CO5ed2SUs1 & gad=1 & gclid=CjwKCAjw6eWnBhAKEiwADpnw9iOWxupBizkY46nBpVeuMe6drU7E6KGR5RC8twP_dO_8bFzG-k-sdxoCARUQAvD_BwE ) and the offer i received was for a 0 % APR introductory fee for the first ( 12 or 15 months I dont remember ). In XXXX I was approved for the card and began using it and making payments consistent with the 0 % APR perk in mind. I saw on XX/XX/XXXX I was assessed a interest charge of {$11.00}. I called up Capital One because I was shocked to see this interest charge. I spoke to some supervisors and they said that actually the card I had been approved for didn't have that feature even though the design is identical, the name is identical and is the same product. Totally evil and deceptive practice on behalf of Capital One. This company is totally predatory and targets the poorest people in society with these rotten deals, they are sick!
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Remove this account because they are reporting the payment status as 120 days late when by default collections are past due. There was never a contractual agreement confirming a payment date with XXXX  XXXX. This is a violation of my rights and a hindrance to my credit profile. 

. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information Please delete this account
Product: Debt collection

XXXX XXXX. Final payment was paid on XXXX XXXX, 2014. Equipment was returned and the collector said that the charges were for " services '' and that the account was n't actually closed until XXXX 2014. We moved in XX/XX/XXXX to a new address. We also have XXXX XXXX currently so I 'm confused how we got service here and yet some collector has this as a debt?
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
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 Number : XXXX : Balance : {$220.00} Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number : XXXX : Balance : {$770.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1500.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$4000.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$15000.00} Account Name : Unknown : Account Number : XXXX : Balance : {$170.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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 a 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: Money transfer, virtual currency, or money service

This person found me on a dating site. He faked his identity. His name is either XXXX XXXX or XXXX XXXX, XXXX XXXX XXXX, from XXXX, XXXX but said he was a XXXX XXXX, XXXX years old from XXXX, TX. He also sent me many fake photos and even a fake photo of his " sick '' daughter. We became close over many months and he started asking me for money for " job related needs '' as well as money for his " sick daughter ''. I sent him money in the form of gift cards and BitCoin. The whole time he was giving me promises that he would pay me back He took advantage of my kindness and played off my empathy. He would set up fake meeting spots and addresses of where to meet him and then never show up. He used me, manipulated me, and abused me mentally, financially and emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/26 and noticed hard inquiries that didn't have a permissible purpose on my report. These hard inquiries are hurting my ability to get approved for financial products that can benefit me and my family. I already contacted the credit bureau about this, and they are unwilling to assist. My rights under 15 USC 1681 b. have been violated. I have attached the hard inquiries that have no purpose on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Each month for the past two months on the day i am required to make a payment, I am charged a return check fee. I place the money into my XXXX XXXX XXXX XXXX account in anticipation of the payment being taken out by Citi Cards the next day. on the XX/XX/XXXX day of the month before taking anything out of my XXXX account, they first charge me a return check fee and then take the money out of the account the same day. They claim that it is my banking institutions fault that the money was not available, but I have called and spoken to the XXXX and they tell me that when you place money into you account at a branch, it is available immediately, and there should be no problem with them withdrawing the money from the account on the XX/XX/XXXX.  I have been charged twice this way, and Citi Cards makes the same excuse for the return check fee each time. They are stealing from me.
Product: Credit reporting

Trans union had a computer breach in their system between XX/XX/2017 nd XX/XX/2017 that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result. This computer glitch which caused all of the collection accounts on my credit report to be deleted, and my credit score increased. The very next week all of the accounts were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XX/XX/2017 but they refuse to fix their error in my credit report. I am requesting that the reinserted collection accounts be permanently removed from my credit file. I demand the following collection accounts be removed immediately. XXXX XXXX XXXX act # XXXX in the amount of {$84.00}, XXXX XXXX acct # XXXX in the amount of {$510.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$610.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$890.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$860.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$780.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX information was stolen And do not recognize the collection accounts Nor the personal loan of XXXX XXXX  The address that shows it do not recognize My Name is ONLY : XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX St Farm Bank XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX mortgage shopping and I dont have an account with them. I do not recognize this XXXX   unauthorized Factual data-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries