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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX 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 XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

1. On XX/XX/2020 I called US Bank for 50 minutes when XXXX answered and could not find closed account with all verification. 2. XXXX refused to transfer to a supervisor although asked 5 times. 3. XXXX, mrg of XXXX, closed my account with less than a week notice to get everything. 4. It took 2 hours when went in per XXXX XXXX request. 5. The bank as not sent me statements i requested. 6. Us bank did not process disputes when I put them through. 7. Now they are questioning a dispute although send me no statements and removed online access do I can check and US Bank can STEAL MY MONEY.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY EXPERIAN AND XXXX. 

EXPERIAN : Personal information incorrectly reporting : Incorrect Name - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The status of this account is inaccurate : XXXX XXXX - XXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - Please investigate the late marks on this account as these are incorrect. Please provide documents presented to you when this was reported or REMOVE. 
This inquiry was not authorized : XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 

XXXX : Personal information incorrectly reporting : Incorrect Name - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The status of this account is inaccurate : XXXX XXXX XXXX XXXXXXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - Please investigate the late marks on this account as these are incorrect. Please provide documents presented to you when this was reported or REMOVE. 
XXXX  - XXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - Please investigate the late marks on this account as these are incorrect. Please provide documents presented to you when this was reported or REMOVE. 
This inquiry was not authorized : XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting in a inappropriate manner.Remove this accounts because the payment history is continued reporting after this accounts was closed. 


XXXX XXXXXXXX. XXXX date close XX/XX/year> and fXXXX XXXX  XXXX date closed XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have found an unfamiliar account on my credit report that isn't mine. I believe this might be due to identity theft or fraud.
Product: Credit card

I had an XXXX card with Costco which I rarely used and had a XXXX balance. Costco then shared my confidential, private, credit and contact information without my consent and signed me up without my acceptance or agreement for a " Citi Anywhere Visa Card '' and then mailed me the card. I never activated the card and did not plan to accept the new account. I therefore did n't pay any attention to the mailings from Citi for several months as I did not activate the card nor did I use the card. After several months, I opened a mailing to find that it was a statement and that they had charged my Costco membership fee to the card as well as adding late fees and interest for not paying. We have contacted Costco and Citi several times to try to resolve this, including cancelling our Costco membership over the issue. The Costco membership fee has been refunded and the card closed. Citi has agreed multiple times over the last few months to remove the late fees and interest and XXXX out the balance. However, they have failed to do so and instead are still sending monthly statements, the latest being dated XX/XX/2016 with another {$37.00} late fee added and {$1.00} in interest for a new balance of {$100.00}, despite the original membership charge being refunded by Costco and Citi cards multiple assurances that they would remove the late fees and interest charges. I called again on Sunday, XX/XX/XXXX and the customer service specialist AGAIN agreed to remove the charges and XXXX out the balance. I just checked again today and the balance of {$100.00} remains on this account. I have very good credit and I now fear that I will be reported for late payment or unpaid balances to the credit bureau, negatively affecting my credit. For a card that I never agreed to get and charges that I never agreed to have charged to a credit card that I did not activate. Based on the fraudulent activity of Citi, Costco, violations of my privacy, and the ongoing lies of Citi employees, I have investigated online to find that I am one of many Costco customers dealing with this same issue. This leads me to believe that Citi has no intention of making this right without further action. Their behavior is despicable.
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX 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 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 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. 16815-2 ( 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. 

Also I have observed discrepancies in the reporting of the same account by TransUnion and XXXX. TransUnion lists the account status as open, while XXXX reports it as closed. This conflicting information is causing confusion and potentially impacting my credit score unfairly. 

Furthermore, there are discrepancies in the last activity dates reported by TransUnion and XXXX for the same account. TransUnion 's last activity date is listed as XX/XX/XXXX, which appears to have been re-dated, while XXXX shows the last activity date as XX/XX/XXXX. These inconsistencies raise concerns about the accuracy and reliability of the information being reported by XXXX XXXX.
Product: Debt collection

In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MD XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX Hospital and informed them of the mistake. I contacted XXXX XXXX XXXX   and informed them error. I filed a dispute with the credit reporting agency Equifax. 

I mailed XXXX XXXX Hospital and XXXXXXXX XXXX XXXX   certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. 

Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. 

I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXXXXXX XXXX   Hospital nor XXXX XXXX XXXXs. Equifax removed the mark from my credit report. 

In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX Hospital and XXXXXXXX XXXX XXXX followed by another dispute with Equifax. I did not receive a response from any parties, so I contacted XXXX XXXX Hospital via phone. The accounting/billing department told me we had no record of the debt. 

I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! 

Today, I discovered the mark on my credit report once again. I contacted Equifax and filed another complaint. I contacted XXXX XXXX Hospital via phone. The Vice President is having a letter drafted stating this is an erroneous account. 

The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to LVNV from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at LVNV funding signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all 3 credit bureaus as well as LVNV funding and I can not get this corrected. 
XXXX deleted the LVNV acct after reviewing the documents. However the other 2 XXXX and XXXX just keep telling me they contacted LVNV and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. LVNV transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes 2 seconds to look up on their website but, LVNV will not correct this issue, nor will XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included FIRST PROGRESS CARD information in my credit profile on XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Checking or savings account

Hello I recently changed my name earlier this year and because of that my current bank froze my account until a new government ID was submitted to prove my identify. They did so because my taxes did not match my current name as again, I changed it. This was because I got married and social security card was updated. 
I keeps keeping the same robo email to submit a valid form of ID despite it being a California drivers license and also a work authorization card which again, are government issued. I submitted the W-9 with no issues there
Product: Debt collection

For some reason, XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. This is creating major issues for me such as higher interest rate, a lower credit score and rental application rejections for an outstanding balance owed. 
I disputed this account in XX/XX/XXXX on my XXXX  and XXXX reports to no avail. I also disputed directly with XXXX XXXX XXXX in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files used to verify this account but all I received was a billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. 
Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. It is my contention that XXXX XXXX XXXX know that they can not tie me to this alleged account, otherwise they would have done so at my initial request. XXXX XXXX XXXX  is blatantly disregarding the law.
Product: Credit reporting or other personal consumer reports

I am writing this report due to these hard inquiries that are still on my report, these are the remaining fraudulent inquiries that was attached to the fraud accounts that are now removed. I am asking to have these removed as well under the FCRA law and I was impacted by the equifax DATA BREACH. I am attaching the FTC file as well to get these removed. 
Here are the remaining fraud inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX, the following items I have attached are items in my report that I need deleted. 
I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are preventing me from being able to purchase my home Thank you!
Product: Debt collection

XXXX XXXX XXXX has incorrectly placed a collections account for XXXX on my credit report. I have never had an account with XXXX go into collections. No attempt to collect a debt was made and no proof that I owe this has been presented. This is fraud as I have had no debt with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO FIX MY CREDIT WITH THE CREDIT BUREAUS FOR 4 MONTHS, I HAVE SENT DISPUTES TO EACH OF THEM TO UPDATE, CORRECT OR DELETE THE ACCOUNTS THAT ARE BEING INCORRECTLY REPORTED AND I HAVE NEVER RECEIVED ANY RESPONSE FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit card

I received a promotional offer for Wells Fargo XXXX XXXX. It offered 0 % for XXXX  months and 18.24 % APR after that. I applied online and received approval with a 24+ % APR. I called but got no explanation so I tried to cancel and spent XXXX hour of juggling. They then said to call back.