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

Re : Letter to Remove Inaccurate Credit Information To Whom It MaXXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

6. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


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 XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

The company XXXX is inaccurately reporting amounts and balances and this is putting me in situations and decreasing my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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
Product: Checking or savings account

They locked my account with {$XXXX} in it and wont unlock it, it been over a month now they asked me for documentation I sent it in but they keep asking me for the same documents. Plus I had a credit builder account with the bank and they have my account locked but still taking money out of my account the bank is called money lion. 
They wont even close the account or send me a check.
Product: Credit reporting or other personal consumer reports

Hello, I was a victim of identity thief from XXXX capital one data breach, XXXX 's data breach, XXXX data breach, XXXX and XXXX XXXX data breach from XXXX and fraudulent accounts were opened without my knowledge. I summited all necessary information to all three credit bureaus online and by XXXX mail XXXX XXXX. To be told the debits are valid and it doesn't matter if I did the debits or not I am libel for them even those the accounts were open fraudulently.. They said all their job is to do is validated a debit and nothing more. Then they wanted to all sell me their products, claiming somehow buying their credit monitoring was going to stop my indention from being stolen again. Needles to say I don't buy in to there... Stuff. And on XX/XX/XXXX I resubmitted by certified XXXX mail a request again for an investigation and have this fraudulent accounts removed from my credit report. I am enclosing all information I sent to all 3 credit bureaus.
Product: Debt collection

I recently contacted Portfolio Recovery Associates LLC to address a debt that was incorrectly attributed to me. I contacted them on the following dates : XXXX, XXXX, XXXX, XXXX, and XXXX. Despite my efforts to resolve this issue, the debt remains on my credit report, and it is impacting my financial standing. I have provided the necessary documentation to prove that the debt does not belong to me and have requested that the company promptly correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 a dispute was made with EQUIFAX, XXXX and XXXX  in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT, all 3 credit bureaus must investigate unverified information on my credit report in accord with, TITLE VI OF THE CONSUMER CREDIT PROTECTION ACT and also in accord with, THE PRIVACY ACT OF 1974 as amended 5 U.S.C 552A View attachments below. 
Accounts that are unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unverified accounts .
Product: Credit reporting or other personal consumer reports

AUTO LOANS RELIABLE AUTO FINANCE Reported : XXXX XXXX XXXX XXXX {$4000.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + OTHER LOANS XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX - XXXX Reported : XXXX XXXX, XXXX {$1300.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX continue to violate my rights as a consumer both FCRA and The Privacy Act of 1974 by furnishing items to my consumer report without written permission from me or without conducting there due diligence to make sure the other party provides us the Consumer a Privacy Notice before they are allowed to place items on my consumer report none of these two where done. Non compliance can also be proven as these 3 credit reporting agencies have all brought back my disputes as verified when I am the customer and I am saying I didnt authorize it so why are there hard inquiries on my report when there isnt and account tied to it. Why are there Charge Off/ Collections accounts listed on my reports when a charge off is a certificate of Indebtness which makes it income to me which according to law cant be place on my consumer report against me, niether have none of there verified corporations send me a 1099C for the Cancelled debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
Fix the following accounts in my file : XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$4200.00} There are no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

i was looking at my Equifax XXXX XXXX XXXX and noticed that some information in the account has changed and according to the scoring module used by Equifax to calculate scores my score total should have increased significantly with this new account status, this is unfair practices pursuant to FCRA. Also Equifax has refused to fix my birthday in my personal information section of my credit report even after i have mailed to them by certified mail copies of my state issued drivers license, social security card, and utility bill ; to which they responded that the documents were not legible ; even though two other agencies received copies of those items and excepted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

To add insult to injury, they have no permissible purpose pursuant to 15 USC 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give written instructions? I did not.
Product: Checking or savings account

on XX/XX/XXXX I noticed there was a XXXX balance on my account and I called customer service and they said my account was closed. so then I called the XXXX branch and spoke to XXXX and she said " we closed your account and i called you today '' and i let her know i never got a call. and then she said '' talk to XXXX '' and so I spoke to XXXX and she said '' XXXX said you were being rude to her and not a good experience at her branch '' and I told XXXX that u hadn't been in XXXX 's branch since XXXX and I didn't even visit that branch often. I mostly just call customer service for help. and also some XXXX XXXX XXXX lied that I failed security verification and I had to step in the branch at downtown XXXX XXXX multiple times and the branch XXXX told me '' we don't see anything wrong, we are not sure why customer service told you that '' and then I also spoke to XXXX a XXXX XXXX XXXX XXXX who admitted '' these XXXX you spoke to wrongfully put these notes in your account, let me remove and fix this for you '' so then after explaining all this to XXXX, she said '' your welcome to open a new account with us if you want, I will allow it '' note that XXXX XXXX is a XXXX  XXXX for bmo. then when I step in the XXXX bmo they tell me they need to get XXXX XXXX verification but XXXX  never gave them any reply for days. XXXX and XXXX are dishonest and wasting my time. there is still some refunds incoming which I need and there is also a dispute ongoing for {$110.00} against XXXX. I am needing these amounts back to me.
Product: Credit reporting or other personal consumer reports

I have been trying to access my account with Transunion. I am able to login without an issue. However, I can not file disputes online, I can not check if there is a credit freeze or not. I can't even request one if I wanted one. I try to request a credit report and it constantly spins. I have called in the past but was told that I would have to write. I sent a letter a year ago with the issue and the dispute and I never received a response. It's like Transunion is ignoring me and doing as they please. I'm now filing a complaint as I spoke to a representative today and he advised me there was no freeze on the account. He gave me the support number of XXXX which then booted me on the call and sent me a text to chat with support. Their AI is broken because it is in a loop and no live person to fix the problem. I'm frustrated and sick of the run around I have been getting from Transunion.
Product: Mortgage

On XXXX, I paid UNITED WHOLESALE MORTGAGE {$2500.00} for an additional Principal Payment. On XXXX, The XXXX XXXX XXXX took 3-payments of {$2500.00} XXXX {$7500.00} XXXX from my account instead. 

Additionally, there are 5-payments of {$2500.00} Pending for XXXX {$12000.00} XXXX These Criminals are stealing {$17000.00} from my bank account. 

I want XXXX  charges against XXXX XXXX, XXXX XXXX XXXX This is a money grab that affects over 1 million people according to the XXXX at United WholeSale Mortgage, XXXX XXXX XXXX. These are crooks of the highest order. They have been informed I will not be making another payment except to pay off the mortgage. I want my money back and my pay statement immediately.
Product: Debt collection

I cancelled services with XXXX in XXXX of XXXX, I made sure to return their equipment and made sure there was no balance owed. In XXXX of XXXX a collection was added to my credit report from Waypoint resource group. I have called and have asked for this debt to be verified and up to this day it has not happened. I called to try negotiate even though I don't owe the debt and was told that even if I pay the debt they will not remove it from the credit report. I don't owe XXXX or waypoint resource group anything, I respectfully ask that you help investigate these charges.
Product: Debt collection

Person from RRS or Revenue Reporting. They dont really say what is this for Im just so confuse and alarm because they keep calling and to my work and to ither person I dnt even know how they have info. They call during work hours and told the person if they can call back and she insisted to be just quick I dnt have chance to ask what's tht for I just agree because I'm at work and don't want them to call my work anymore or anyone else they think the can call. I give them my authorization for my debit card I was n hurry so I gave them tht they said they will email me the agreement and for for information I dnt recieve anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting 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 immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$530.00} that appears related to the aforementioned personal credit card account opened at Credit XXXX XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have told them they have the wrong number they are looking for XXXX my name is XXXX they refuse to remove my number despite multiple requests
Product: Credit reporting or other personal consumer reports

They did a hard pull off my credit report and now they have it to where it effects my credit score.
Product: Credit reporting or other personal consumer reports

I wish to express my concern and formally raise a complaint about an inaccurate 30-day late payment report by XXXX XXXX XXXX XXXX. This incorrect reporting has adversely affected my credit score, and I am reaching out to the CFPB to help address and rectify this issue. 

Sequence of Events : XX/XX/XXXX : I initiated an account with XXXX XXXX XXXX XXXX, encompassing a $ 10 monthly subscription and a {$200.00} credit line. I received confirmation that auto-pay would be in effect immediately upon account setup. 

XX/XX/XXXX : To ensure clarity, I engaged with XXXX 's support, who validated the activation of the auto-pay mechanism on my account. 

XX/XX/XXXX : Notably, while the auto-pay did cover the monthly subscription in XX/XX/XXXXXXXX it neglected to address the due payment for the credit line. It is essential to note that this was the sole instance of non-payment over a 12-month period. XXXX did not notify me or provide reasons for this omission. My bank records affirm the monthly subscription payment and show no debit attempts for the credit line. Despite available funds and XXXX 's terms stipulating repeated payment attempts in case of initial failure, no such efforts were made on their part. 

XX/XX/XXXX : A subsequent review of my credit revealed a decline of XXXX points, attributable to XXXX XXXX 30-day late payment report a report which conflicts with the auto-pay assurances given by XXXX 

Impact and Expected Resolution : This incorrect report shifted my credit category from " Good '' to " Fair '', compromising my financial credibility and opportunities. Such misinformation is not only concerning but also jeopardizes my long-term financial stability. 

In light of the above, I kindly request the CFPB to : Advocate for the removal of the incorrect 30-day late payment report on my credit file. 
Encourage XXXX XXXXXXXX XXXX XXXX  to assess and refine their auto-pay system, ensuring future reliability. 
Seek a formal written acknowledgment and apology from XXXX XXXX XXXX XXXX for the oversight and its potential implications. 
I have attached pertinent documents, including interactions with XXXX and the credit report indicating the error, for your consideration. 

Your efforts in aiding resolution and ensuring consumer rights remain safeguarded are greatly valued. I eagerly await a positive outcome.