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

This account was charged off on the following date XXXX of XXXX. It is also being reported on my report that the last payment was XX/XX/XXXX but the account was in good standing through XX/XX/XXXX. This account was also being updated and reporting as a charge off from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as if the account was still open and reporting inaccurately with XXXX which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX TRANSUNION Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Unauthorized Hard Inquiry Removal Request Dear TransUnion, I recently reviewed my credit report and found unauthorized hard inquiries that I did not initiate or approve. Under the Fair Credit Reporting Act ( FCRA ) USC 1602p and USC 1681 ( b ), I have the right to request proof that I authorized these inquiries.

The following inquiries appear on my report without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide documented proof that I authorized these inquiries. If no such proof exists, I demand their immediate removal from my credit report. 

Failure to respond within 30 days will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the FTC. 

Sincerely, XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card from XXXX  several months ago in hopes of rebuilding my credit to purchase a home. I received the card used it a few times throughout the day then the last purchase I attempted to make declined. I immediately contacted customer service to inquire about this because it was a brand new card and I know that the small purchases I made didnt total to the credit limit of the card. This was over 60 days ago it is reporting negatively on my credit report and I only received some assistance when I opened a case with the XXXX. I decided to call today because again it has surpassed the 60 days that they claimed the investigation would take. Coincidentally I was told I received a denial for my claim today through email which I did not but it was awfully strange that when I called the case so happens to be closed on this particular day. This is reporting negatively to my credit report for months assistance with this matter has been nonexistent to say the least. Again this and several other cards which are current were to build my credit. XXXX isnt protecting its customers and is trying to get over which is no better than the individual who utilized my card however they were able to. I will fight this charge until it is removed I will not pay for something I didnt do. XXXX has dragged its feet for several months on this issue I will not be silenced about this I hoped this would be a good experience but it has been one of if not the worse experiences Ive had with a credit and company to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ ] XXXX. XXXX & XXXX Account Number : [ XXXX Reason : [ I need it to be remove if possible please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

I dated Mr. XXXX for approx. 1 year before I called it quits because of the XXXX. He was so XXXX. I gave him permission to use my XXXX XXXX XXXX XXXX for gas only. He's the only one with access to my card number and someone has drained my XXXXXXXX XXXX account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that Mr. XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX XXXX I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my EQUIFAX account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my sucky credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. 
I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and Mr. XXXX to defraud me and thieve my identity. Please contact me anytime for further information.
Product: Debt collection

A company has assigned fraud to my account, i have no knowledge of it and it is not mine.
Product: Credit card

sam 's club mastercard is issued and serviced by Synchrony bank. 
I recently applied for a credit line increase and was denied for the follow ing reasons. to few accounts currently paid as agreed lack of recent installment loan information. 
a review of my XXXX credit report does not reflect the above items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to establish a Target retail account without his consent. Target was provided all needed dispute information  X/X/17    via certified mail, return receipt, which they received   XXXX    . During that time Target has continued to report this fraudulent account to our client 's  XXXX  and  XXXX  credit reports as a late account. Mr.  XXXX  has contacted Target on several occasions to inform them of the reported fraudulent account and the fact that its late status has had a negative impact on his credit reporting information ; each time he is told Target will correct this information however as of this date  X/XX/17    that has not happened. In addition Target has failed to notify our client of the results of the dispute as is their obligation to do so within a maximum of  45 bu siness days of receiving the dispute information. Target is in violation of the FCRA concerning and my clients federal consumer rights concerning this account.
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated or approved by me, and I believe they are fraudulent. The inquiries in question are as follows : XXXX ( XXXX inquiries ) XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries and am requesting that they be removed from my credit report immediately. These fraudulent inquiries have negatively impacted my credit score and do not reflect my credit activity accurately.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, XXXX HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with XXXX. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXX, Experian XXXX and XXXX are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXX would like the information sold to all XXXX, bureaus without my consent, causing turmoil for almost XXXX years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE XXXX BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit report with the credit bureau Experian and discovered there are multiple fraudulent accounts on my credit report. I reviewed how to proceed and completed a hand written dispute letter, signed, a completed Identity Theft Affidavit and sent the letter via certified mail with a tracking number to Experian. This cost me approximately {$76.00} due to paying to review my credit reports, notaries and mailing costs. I placed a fraud alert on my credit file on XX/XX/XXXX with all the credit bureaus. Today is now, XX/XX/XXXX and to date, I have not received anything in the mail nor has the fraudulent account ( s ) on my Experian credit report been deleted. My rights with the Fair Credit Reporting Act, section 611 advise the credit bureau has 30 days from receipt to investigate and/or delete said fraudulent account. Experian has failed me as a consumer and is violating my rights under the FCRA.611 and I am now submitting a complaint to expedite this fraudulent account to be removed from my credit file immediately before filing a law suit against this credit bureau.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent hard inquiries from my credit report. 
The following inquiries are being reported on my consumer file in violation of the fair credit reporting Act. Section 1681b ( a ) ( 3 ) ( A. None of these credit transactions involved the extension of credit to me. the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX 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 XXXX XX/XX/XXXX To following information on my credit report is the result of identity theft and should be blocked : Here i attach, along with the dispute, my fraud report that i just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an opportunity from US bank to do a 0 % balance transfer with a promotion apr until XX/XX/XXXX. I already had the US Bank credit card and had a {$2800.00} balance with a 0 % apr until XX/XX/XXXX. Prior to initiating the balance transfer, I contacted US Bank to confirm that if I did a balance transfer that all payments would first be applied to the older balance ( {$2800.00} ) with the 0 % apr that was expiring XX/XX/XXXX. I was guaranteed that this was correct and all payments would first go to the older balance. In XX/XX/XXXX I made a {$2000.00} payment, expecting that the payment would go to my old balance before the balance transfer and that did not happen. I contacted US Bank this morning and was told that although the payment should have been applied to my old balance, their computers are set up in such a way that the payment first goes to my balance transfer amount rather than what I was previously told. I would not have made a balance transfer until I paid off the {$2800.00} had I known this would happen. Now IS bank tells me that there is nothing that can be done to remedy this problem, despite acknowledging that the payment was incorrectly applied. I was told I would have to wait until XX/XX/XXXX when the apr increase to 23 % and then my payments would go to the balance with the higher apr. US bank defrauded me and probably other consumers by incorrectly applying payments in order for promotional aprs to expire in order to collect high interest rates.
Product: Debt collection

I was contacted by Virginia taxation about a taxation debt. I called they redirect me to a collection agency. i contacted the collection agency paid XXXX out front. the agency gave a monthly amount to pay, which i agreed. I receive a letter from the collection agency and the total amount they stated I owed is 2X higher what I actually owed to Virginia taxation. In addition, virginia taxation is applying all my refubds to the mount owed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX ComenityCapitalXXXX has violated my rights. 
XXXX USC XXXX Section XXXX States I have the right to privacy. 
XXXX USC XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX USC XXXX : 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 reporting or other personal consumer reports

There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information.

The Consumer Financial Protection Bureau ( CFPB ) has initiated lawsuits against credit reporting agencies for failing to comply with federal law. Notably, the CFPBs suit against XXXX ( XXXX ) highlights the consequences of conducting sham investigations and failing to address consumer disputes effectively. Your continued non-compliance places your agency at similar legal risk. The ongoing presence of these fraudulent accounts has caused irreparable harm to my creditworthiness, financial standing, and personal well-being. The unauthorized accounts, created without my knowledge or consent, must be immediately removed. Equifax continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand that Equifax remove the fraudulent accounts from my credit report. This situation has been exacerbated by data security breaches involving Equifax XXXX XXXX ( XXXX XXXX. XXXX ), which exposed my personal information to misuse. I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : Credit XXXX Bank ; Balance : {$1300.00} ; Opened Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$730.00} ; Opened Date : XXXX. XXXX, XXXX XXXX XXXX ; XXXX : {$69.00} ; Opened Date : XXXX. XXXX, XXXX XXXX XXXX XXXX  ; XXXX : {$200.00} ; Open Date : XXXX. XXXX, XXXX Equifax have continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the Equifax data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. Equifax violations of the law and their actions, or lack thereof, constitute the following : Failure to Investigate : Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reinvestigation of disputed information within 30 days of receipt. Equifax has failed to meet this obligation in my case ; Negligence in Reporting : Under 15 U.S.C. 1681e ( b ), you are obligated to ensure that all reported information is accurate and up to date. Your continued reporting of unauthorized accounts fails this standard ;
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, several fraudulent accounts have been opened in my name. I respectfully request that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX XXXXXXXX XXXX : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting two collection agencies trying to collect on a fraudulent debt that is not mine.XXXX XXXX is reporting a debt to Experian for {$790.00}. XXXX  XXXX is also trying to collect on the same fraudulent debt for $ XXXX.The original creditor is XXXX on both accounts.I have asked experian to remove both collects as they are fraudulent and duplicate accounts.Please Help.
Product: Debt collection

I have come to the understanding without my prior consent given or expressed permission of a court of competent jurisdiction given to cavalry portfolio services, cavalry portfolio services may not communicate with me in connection with collection of any debt at any unusual time or place which shall be inconvenient to I, XXXX XXXX, consumer. 

I am aware of the gravity of harm cavalry portfolio services seek to bring upon me, by reporting to consumer reporting agencies about the alleged debt. I have not given cavalry portfolio services any permission or consent to have my non public personal information, and I am aware that I am a victim of human trafficking, ( SEE ATTACHMENT )
Product: Debt collection

I do not owe this debt. I have not received any prior communication regarding this alleged balance, and I dispute its validity. There has been no agreement or transaction on my part that would justify this collection account. 

I request that CAINE & WEINER provide full validation of this debt, including the original creditor, detailed account history, and any signed agreements proving my obligation. If they are unable to provide sufficient documentation, this collection entry should be removed from my credit report immediately. 

Additionally, if this account was reported in error, I request that XXXX update my credit file to reflect its removal.