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

I recently my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Credit card or prepaid card

This is a resubmittal of additional information related to Complaint # XXXX. 

Here is the original text of that complaint : I have a credit card issued by XXXX. This card was hacked in XX/XX/XXXX/XX/XX/XXXX. When I looked at my XX/XX/XXXX statement I saw a charge for {$110.00} that I didnt recognize. I called XXXX in early XXXX and said it looked like another fraudulent charge, similar to the several charges from the hack. XXXX issued a credit and filed a chargeback to the other company involved, Fifth Third Bank. However, a few days later I realized that the charge was in fact legitimate and contacted XXXX. They did the required paperwork to release the funds to Fifth Third Bank. This was in XX/XX/XXXX. 

I thought the matter was completely settled until I was contacted by the merchant ( XXXX XXXX ), as well as the merchants credit card servicing company ( XXXX ) in early XX/XX/XXXX. Both entities told me that the funds were never released by Fifth Third, and that I needed to pay XXXX XXXX in cash. I apologized for the delay, but explained that XXXX had released the funds in XX/XX/XXXX. Since then Ive been in frequent contact with XXXX, XXXX, and XXXX XXXX. XXXX and XXXX both told me I need to contact Fifth Third Bank to get my money back. 

I tried both emailing and calling Fifth Third Bank - horrible experience with zero results. XXXX told me today that I may have to take legal action to get my money. Based on the many negative reviews on multiple websites, this is a company that should no longer be in business, and perhaps a large class action lawsuit would be just the ticket. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subsequent to filing the original claim, and seeing that Fifth Third Bank has denied TWICE that this is their problem, I am providing additional information and documentation. 

1. Screenshot of a secure email from XXXX indicating the funds were released to Fifth Third Bank on XX/XX/XXXX. 
2. Screenshots of emails from XXXX also indicating that they had completed the paperwork to have the funds released back to me -- and to contact Fifth Third Bank.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were without, y consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Student loan

I have already filed this exact complaint with them twice now originally on XX/XX/23. Ed Financial is my new student loan servicer and has either not calculated my student loan payments correctly or not all of my spouses information transferred over from the previous loan servicer. My husband and I have always been on the Income driven repayment program and my husband has significant student loan burden ( $ XXXX ) that I do not believe is being taken into consideration when calculating my payment for the New XXXX plan at this new loan servicer. My husband 's payment through the XXXX plan is only $ XXXX for his entire $ XXXX debt. So how it does not make sense to me that mine is well over $ XXXX. I have no income and thus rely on my husband 's income for myself and my daughter. The calculation is obviously wrong and I need someone to fix it because I can not afford to pay that much each month. The issue is that I can not seem to get any agents from Ed Financial to answer the phone or give me the correct form to fill out. I have been trying to call for weeks and the hold times are consistently XXXX MINUTES!! I have recording proof of these extreme hold times. Once I finally made contact with a representative she informed me that Ed Financial does NOT calculate the payments that it is calculated by the federal government so she would send me the form via email to have it recalculated. WEEKS later, still have no form. I've checked spam folders, tried searching for it. I do not believe it was ever sent to me. I'm extremely frustrated with this entire situation. I've tried searching on the website and went through the recalculation questionnaire, but it does not ask about spouse student loans unlike my previous servicer did, if I am remembering correctly. I've also tried the chat function that does not work. What am I suppose to do if I can not get anyone on the phone from this company to send me the correct form to fill out and I can not get my monthly payment recalculated correctly?
Product: Credit card

I used my card to charge {$90.00} in XXXX XXXX. My normally normal monthly charges are less than {$10000.00}. Someone hijacked the card and ran it up to {$84000.00} in less than two weeks. There were no fraud warnings from the card company, and they only learned of it when I placed the call to them even though there were dozens of identical transaction amounts of {$900.00} each. They are doing an investigation with XXXX as the charges were XXXX XXXX, but have not provided provisional credit. My credit score has been knocked down by XXXX points because of this high balsnce, Im getting collection emails from the card company and Im also getting marketing calls from the credit department of the card company during the investigation to encourage me to use the card more. Ive called several times for an update on the investigation, but they have no information and just keep telling me it will take a long time.
Product: Debt collection

I never had these insurance companies. I was a victim of identity fraud and it was documented. This company CCS Collections has placed 2 accounts in collection. No notice via phone, email or mail to my home. I never had these insurance carriers. I also never got any calls or emails like I previouslt stated. How can this be placed in collections without validity? That's against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$210.00} and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}. Please delete. Also, this account was violating Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX date open XX/XX/XXXX Amount XXXX
Product: Money transfer, virtual currency, or money service

I am writing ton formally express my concerns regarding Zelle handling of disputes, particulary in Light of the recent CFPB lawsuit.DEspite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately.
Product: Debt collection

I do not have or owe a debt to Receivable Recovery Services LLC. 

I asked for a signed contract with my signature and personal information to prove that I have a " relationship '' with them. 

I asked Receivable Recovery Services for ANY evidence of this " apparent '' debt from the original debtor ( in which I do not owe them ). I asked for verification and any signed original documents with the apparent creditor. 

I have not received ANY of the above mentioned items.
Product: Debt collection

XX/XX/year> I called XXXX to port my numbers over to XXXX XXXX  XXXX and cancel my service. XXXX never cancelled my service and I was charged for a line that was NEVER USED nor had a phone attached to it. I didnt know anything about the line until I started receiving bills in the mail from XXXX. My service was canceled and paid. I called XXXX roughly 13 to 14 times and the last 3 attempts I was told the line has been disputed and amount settled. If you can, PLEASE HAVE XXXX pull the calls as calls are recorded. I was also told I would receive a dispute letter for my recorded.. NEVER received the letter. I spoken to several managers and was told the same thing. I confirmed my email & address to make sure it was correct on file. Due to identity theft I put a fraud alert on my credit report and this is how I found out about this fraudulent collections on my credit report. If I need to pull my call log to time stamp the date and times I called XXXX I dont mind. If you look at my credit report i dont have any collections.. THIS IS FRAUD!!
Product: Credit reporting or other personal consumer reports

Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX XXXX without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by citizens without my consent negatively affecting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

as notified before i am a victim of identity theft
Product: Checking or savings account

I filed a complaint with US Bank and the company responded by attaching an old letter from a different complaint, related to a different issue, dated with the old date, that was copied and pasted from the old problem, and therefore did not address my complaint. I suspect they will again do the same because they refused to close a core deposit account, the online banking teller told me they " lost '' my money. They submitted a research ticket and still could not find my " lost '' money after a month. When I filed my complaint about this, they uploaded a response to an old complaint, rather than the current actual complaint. I suspect they will do the same again. They are stealing money, and are not being held accountable, which is why they did not respond to my last complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

On or about XX/XX/2023, I received a declination letter from XXXX XXXX XXXX ( Early Warning Services , LLC ) from another state ( Arizona ) declining the opening of an account. I don't live in Arizona and have never applied for any type of account with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX, and XXXX every month disputing negative items that always bring my credit score down and I am in the middle of purchasing a home. I am a XXXX XXXX   veteran with nothing to my name and I am sick of it. These credit agencies will not fix errors even after I send them legal documentation signed by a judge stating I am not responsible for these following accounts, but they violate the FCR laws by always reporting what the creditor tells them to report instead of acting whats in the best interest of the consumer. So if I have a legal document stating I am not responsible I ask them to remove the accounts from my credit they so call investigate the creditor tells them dont remove it ... they do not follow guidelines they act on behalf of the creditor and keep reporting me negatively and I am so frustrated with them they are extremely rude over the phone and they do not seem to listen. They are wrongfully reporting I have three XXXX XXXX  accounts with arrearages totaling over a freaking {$43000.00} when I only have 2 accounts Ive asked them to remove the duplicate account for 3 years now and it has not been removed. I have 2 eviction collection accounts, 2 bailsbonds accounts, 2 credit cards that they still have not removed and the companies are no longer able to collect because it is way past the statute of limitations to collect. And I am not even responsible for them someone else is, but these creditors still keep reporting to the bureau and the bureau still goes against FCRA laws and reports it anyway. I pay all of my bills on time and I not supposed to have nothing but 2 accounts on my credit. My complaint is Im supposed to have a debt to income ratio below 43 % and credit scores up in the 620s/640s range but these credit bureaus seem to have a real big problem with reporting me accurately as if their main mission is to always keep my credit scores under 500 someone really needs to step the XXXX up and do something about these agencies. It is real scary having these agencies have total control over your life and credit. This is my third and final complaint and nothing has been done to remedy the situation my next step is to file a very hefty federal lawsuit for violation of the U.S.C
Product: Credit reporting or other personal consumer reports

I reported that the hard inquiries listed on my report from several companies didn ; t have permission to run my credit. I was told that the inquiries would be deleted but as of now they still appear on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a.

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report them.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that my date on delinquency is incorrect and it been more than 7 years on my Credit Report. Re-aging my account is illegal and this needs to be corrected as soon as possible. I tried resolving this issue with Nelnet and I haven't get any response and issue was never resolved.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. : Furnisher : Nelnet Account Name : XXXX XXXX Account Number Ending # : XXXX and XXXX and XXXX and XXXX Please investigate and provide Proof with statements showing the accurate date of delinquency. If proof can't be provided I demand these to be updated to the correct date as they should be. Re-aging any account is illegal against the law. causing me damages to my Credit Report. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX15 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