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

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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
Product: Credit reporting or other personal consumer reports

Requesting for Reinvestigation and my refiling to TRANSUNION. 
When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The TRANSUNION must validate these accounts, this complaint to TRANSUNION is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they are totally erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX XXXX XXXX-NOT MINE XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX/XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX  XXXX -NOT MINE XXXX -NOT MINE
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. These are the following accounts need to be removed : XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Finance Bureau, I am writing to seek urgent assistance regarding a distressing issue I have been facing. On XX/XX/year>, my identity was stolen, and it has been an ongoing problem since then. Both my father and mother have access to my social security number, but we have noticed an alarming number of hard inquiries and soft pulls on my credit report. 

Despite thinking that a lock had been placed on my credit, it appears that this was not done. As a result, my credit score has significantly dropped, causing me immense stress and frustration. At only XXXX XXXX XXXX, this situation is incredibly unfair and challenging for me to handle. I am a victim of identity theft and fraud, and I am deeply upset by the impact it has had on my financial well-being. 

I have attached pictures of all the credit pulls from each bureau for your review. I kindly request your immediate assistance in resolving this matter and protecting my credit from further damage. 

Thank you for your attention and support.
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 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  XX/XX/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, credit repair services, or other personal consumer reports

I belong to a website that states my credit information and there are two separate hard inquiries on my account that do not belong to me. Someone is trying to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, 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. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Collection account from XXXX XXXXXXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Public Record from a XXXX  XXXX bankruptcy XXXX on XX/XX/XXXX. I dont recognize this public record. Please provide proof from the court of this public record. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Debt collection

Spring Oaks Capital have already collected on this debt when my account was sold to them. I am not allowing this company to milk me for more money. This company has again added this collection item back onto my credit report when they have already collected the debit for this account. I will not be sending them anymore proceeds for that account. Please do not allow them accesss to my credit report. Please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint against Experian please remove the consumer statement on my credit file i do not have a fraud alert and I want it removed from my file, I did not place this consumer statement on my file I do have screen shots of the statement thats on my file, I do not wish for anyone to add anything unless I tell anyone to add to my file, please remove this statement I do not want this on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to verify to XXXX that i was XXXX during the dates that accounts were opened. And they removed them from my report. Equifax will not let me log in to direct dispute the accounts in collection. Im assuming this is because of the identity theft.
Product: Credit card or prepaid card

On XX/XX/2019, I purchased a treadmill from Amazon using my Chase Amazon Prime Rewards card which offered an 18-month, no interest, equal pay option. However, when I reviewed my statement I found that Amazon had billed the full amount. I made it clear to both Amazon and Chase bank that I was not disputing the purchase but only the billing yet neither one has been helpful in resolving this. 

In checking my most recent statement, I found that Amazon had rebilled the full amount. I contacted Chase who claimed since Amazon provided documentation and I had not the dispute was closed. I protested that I had not received any request for information from Chase, only to be told a call was " attempted '' on XX/XX/XXXX. 

The only call I received on XX/XX/XXXX was from XXXX. No message was left and there was no caller ID so it was sent to spam by my call filter. I XXXX the number but could find no identifying information and when I redialed the number, it would not connect. How on earth would I be expected to identify this as a call from Chase? When I communicated this to the agent I was told I'd receive a letter in the mail but " that could take 10 days. '' I asked if the charge could again be disputed and was told it could but since I had not responded to the initial request ( of which there was none ) I had to provide documents in writing which I mailed this morning. Furthermore, I have attempted to reopen the dispute since XX/XX/XXXX but have been repeatedly met with this error message - " It looks like this part of our site isn't working right now. Please try again later. '' This is a veiled attempt by Chase to prevent me from reopening the dispute. 

In digging deeper on Amazon 's website I found hidden language stating the full amount will be billed for these types of " payment '' plans. Either it's 18 equal monthly payments or billed in full but it can't be both. This practice is deceptive and misleading at best and both Amazon and Chase have been irresponsible in resolving this. 

This entire experience has been one of unending frustration with both Amazon and Chase so I am requesting your assistance in getting a resolution and the payment plan I was promised. I have also filed complaints with the FTC and the NYS Consumer Protection Bureau. 

Thank you
Product: Mortgage

My husband and I took out a VA loan through HSBC in XX/XX/XXXX. In our opinion they are the least helpful, underhanded, and most intimidating company we have ever dealt with. I will not go into the debacle of a loan modification they offered to us in XX/XX/XXXX when my husband was suddenly laid off and we nearly lost our home. What I am complaining about is a ' late fee payment ' they are assessing me. I have called customer service numerous times to try to find out why I was being charged the fee. Experience with HSBC has taught me to take notes whenever I call them, including date/time/name of agent/and what was discussed. Three times I was told that my complaint has been reviewed and the charge removed. It has not been. I have now recently received a 'form letter ' from HSBC that only advises me of what their late payment fees are and why they collect them. Well, I need to know WHICH payment they claim is late do that I can get my bank statement and other necessary documents to prove my claim. The amount is {$19.00} but I refuse to pay it unless they can provide me this information. It is important because it is their common practice to not provide correct timely information, 'back date ' correspondence, and force me to make numerous calls explaining my situation over and over again to different customer service representatives who either tell me the issue is resolved or they have submitted a ticket for review. This bank is unprofessional and the left hand doesn't know what the right hand is doing. I would appreciate your help in this matter. I am currently looking into refinancing with my hometown bank. Run far away from HSBC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX XXXX XXXX Requested XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got a call from upgrade about personal loan. I verified with upgrade. Upgrade said there is a loan applied with my identity. I informed immediately close the account dont disperse funds. 
I also got call from XXXX XXXX platinum card about fraudulent account I replied immediately close the account.
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 Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

Ive never received written notice about alleged debt certified mail please send proof
Product: Credit card or prepaid card

Dear Sir/Madam, TD cards servises added fraud transaction to my account since XX/XX/2017 $ XXXX USD today its with late fee total debt $ XXXX-XXXX debt, this charge not belong to me how i can pay them, i called 10 different times told them this charge not mine something related online cam model site but they not agree and stay in my statement today there collection company report file non payment to credit score thus without no reason my credit scores damage now i have lot of problem to obtain loan and credit cards at very low interest rate. Thus i need your assitant this matter, invetigate right culprit give them punishment and give me justice.my account number with TD card services is XXXX. 

Thanking you in your anticipation. 


Sincerely XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with XXXX XXXX ( serviced by Key Bank ) on XX/XX/XXXX. I funded the account two ways, first with {$5.00} from a XXXX XXXX account, and second with four {$500.00} money orders purchased on XX/XX/XXXX. I then referred a friend to XXXX, who received his referral bonus and still has a working account with them today. 
The funds from the money orders were held until XX/XX/XXXX, and when I tried to access the account soon after that date the online banking platform rejected my login, saying to contact the bank to verify my identity. 
I went through many calls trying to figure out what the problem was, and no one at XXXX XXXX could tell me anything other than that the funds were approved and available, but my account was under review for an unknown reason. 
Key Bank sent me a letter notifying me of suspected suspicious activity on my account on XX/XX/XXXX, and that my account was under review, but I never heard from them again until last week, XX/XX/XXXX, when I received a letter dated XX/XX/XXXX informing me that they honored my request to close my account and were including a check for the closing balance. 
The check they sent was for {$5.00}, and there was no mention of the additional {$2000.00}. I was already told verbally by an account representative that the funds were approved, and I received a statement from XXXX XXXX at the end of XXXX that confirmed my account held {$2000.00}. I even contacted XXXX XXXX and confirmed that all four money orders had been cashed. I am including the pictures of the money orders and receipts for all of them. 
This is theft. It is so unprofessional and unacceptable to close my account without verifying anything with me, asking me any questions, or communicating with me at all. And it is even more ridiculous to close the account and pretend the {$2000.00} balance never existed, even when they sent me a published statement confirming the balance at the exact same time.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.
Product: Credit reporting or other personal consumer reports

A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the rules for collecting, distributing, and using consumer credit information are not properly followed. The FCRA requires consumer reporting agencies ( CRAs ) to use reasonable procedures to verify the accuracy of information in credit reports. If a consumer suffers harm due to an FCRA violation, they have the right to pursue legal action against the CRA, seeking compensation for actual damages, statutory damages, and attorney 's fees. The accounts listed in my letter contain inaccuracies, and I am requesting a thorough investigation into these errors.
Product: Debt collection

Bull City Financial Solutions committed identity theft by unlawfully furnishing inaccurate information on my credit report without obtaining my consent, which is a violation of my rights as a consumer. They acted without authorization, misrepresenting my financial situation to credit bureaus, which constitutes a fraudulent use of my personal information. This act caused damage to my creditworthiness, and their actions lack proper legal or contractual grounds, making it an instance of identity theft under consumer protection laws.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX