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

Unfortunately, I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/year> these account was opened and furnace as the result of a data beach/identity theft. 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.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within XXXX business days as permitted by federal law.
Product: Debt collection

I have thoroughly reviewed my records, and I can confirm that I have never had any dealings or financial obligations with you or the reported account. This inaccurate reporting is not only misleading but also adversely affecting my creditworthiness, which has significant implications for my financial standing and opportunities. 
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation as a consumer reporting agency to ensure the accuracy and integrity of the information you report. Section 611 of the FCRA grants me the right to dispute any inaccurate information on my credit report and request its prompt investigation. 
Therefore, I kindly request that you take the following actions : 1. Conduct a thorough investigation into the reported account, including verifying the accuracy of the account information, its association with my personal details, and any supporting documentation or agreements related to the account.

2. Provide me with a written response detailing the results of your investigation, including any evidence supporting the accuracy of the account or the basis for its removal from my credit report. 
3. If the investigation reveals that the account does not belong to me or is inaccurately reported, I insist that you immediately cease reporting it to all credit reporting agencies. 4. Ensure that any negative information associated with this account is promptly removed from my credit report, as required by the FCRA. 
I expect this matter to be resolved within 30 days from the date of receipt of this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, I request that you inform me in writing and provide a detailed explanation for the delay.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Product: Checking or savings account

On XX/XX/year>, my employer, XXXX  XXXX XXXX, transferred {$40000.00} to reimburse me for expenses. The transfer was reflected in my account on the same day. Initially, I was able to use the funds, but upon requesting a higher limit for my debit card to make a significant purchase, my branch manager informed me that they couldn't raise my limit. Shortly after, my account was frozen and placed under suspension. 

I reached out to the bank 's customer service hotline and my branch, but no one provided me with a reason for the account suspension. Despite multiple requests to speak with a manager or the department responsible for the suspension, I was redirected back to the branch without resolution. 

As of XX/XX/year>, my branch manager has not addressed the issue or provided any guidance on next steps, information regarding the wire transfer, or an estimated timeframe for the account to be unfrozen. I have not received any communication explaining why my checking account remains suspended, leaving me unable to access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my XXXX XXXX on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with XXXX  XXXX XX/XX/XXXX which i never applied anything for and another one on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.
Product: Credit reporting or other personal consumer reports

Failure to Respond to My Dispute Within the Required Timeframe Dear transUnion This letter serves as a final request regarding my previous dispute, which was submitted on XX/XX/year>, regarding the XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ], a credit reporting agency is required to investigate disputes within XXXX days ( or XXXX days if additional information is provided by the consumer ). However, I have not received a response or the results of your reinvestigation within the legally mandated timeframe. 

As you have failed to comply with federal law, you are now required to delete the disputed item from my credit file immediately per FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ], which mandates the removal of any information that can not be verified within the prescribed period.

Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance, as outlined in FCRA 616 & 617.

Please consider this letter a final attempt to resolve this matter amicably. If I do not receive confirmation of deletion within XXXX business days, I will be forced to escalate the matter further.
Product: Debt collection

Back in 2015, I was taken advantage of emotionally when my dog suffered a XXXX XXXX. I took him to the hospital where I was informed they would only take payment in full, up front, and without letting me use my chosen form of payment. I was directed to XXXX XXXX as my only option and opened a line of credit. After many months of payments on time and at least the minimal amount requested, I had to move across country ( from XXXX to XXXX ) in order to secure new employment. Prior to leaving my house, which was since put up for sale, I paid up front, at least 3 ( {$750.00} ) months worth of minimal payments, with the impression that would satisfy them until I stabilized in my new location. This was not the case, as they 've reported a missed payment from me to the bureaus, toppling my 700+ score by at least 90 points, nearly denying me a loan I required to close on my sale of property, and forcing me to seek a predatory loan to cover costs by putting my car as collateral. On top of that, I 've received at least 2 calls per day, including today, XXXX XXXX, trying to collect. I have mailed a paper check to them on the XX/XX/XXXX, which is due before the next statement period.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Remaining Negative Accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DISCOVERBANK Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
" XXXX XXXX  is a financial institutions by definition under that title. XXXX USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
" XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
" XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 
" This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX promised to remove the tradeline from my credit report ( XXXX XXXX ). There was no confusion XXXX plainly stated to XXXX  that the tradeline belong to XXXX XXXX. This was not a typographical error. In addition, In addition, XXXX and US Dept of Edu. reported to the Experian back XX/XX/XXXX that the account was opened XX/XX/XXXX. I was not born until XXXX XXXX. Also XXXX, reports allegedly that the account was opened XX/XX/XXXX. Yet the Promissory Note in mention has a date of XX/XX/XXXX and XX/XX/XXXX. Please note this account created by XXXX, US Dept of Edu keep changing the narrative to try place these tradelines on my credit that does not belong. XXXX stated that loans were PURCHASED from US Dept. Edu and XXXX. There are XXXX different lines of false credit reporting remains on my credit. XXXX promised to remove their accounts but the are still there causing damage to my credit profile. The XXXX account was closed and was removed from my credit. The US. Dept of Education was also closed and at one point removed. XXXX and US. Dept. of Education has deliberately duplicated the accounts on my credit to over-extend / usage of Credit. The reporting is false. According 15 USC 1681 and 1681 ( i ) All reporting must be reported correctly and false reporting my be removed promptly. Please encourage these reporting agency to make the necessary corrections.
Product: Credit card

The law firm name TENAGLIA XXXX  HUNT, P.A. I have been calling to resolve the credit Card debt for like 20 times now, I leave a message, but they never respond to my calls. I am giving ultimatum till XXXX of XXXX to resolve the debt but they are not picking up my call. Please help me out because right now I am really struggling with taking care of my family. And they said if I am not able to resolve the debt and the court gave a judgment, they will garnish my belongings. PLEASE HELP ME OUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see XXXX pulled my credit and I never authorized this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i AM A VICTIM OF I DENTITY THEFT I HAVE WRITTEN THE CREDI BUREAUS XXXX AND XXXX AS WELL AS TRANSUNION NUMEROUS TIMES OVER THE PAST YEAR TO SEND THEM MY POLICE REPORT, FCRA 605B, DRIVERS LIC. COMPY OF MY CREDIT REPORT, ADDRESS ID AND A FULL NARRATIVE DIRECTING THEM ON WHAT IS FRAUDULENT ON MY CREDIT REPORT CIRCLING THE ITEMS, THE LATENESSES,  AND THE INQUIRIES AND THEY REFUSE TO ABIDE BY MY FRAUDULENT ACCOUNTS ON MY REPORT AND REFUSE TO REMOVE THEM IN A TIMELY MANNER AS THE FCRA 605B MANDATES THEY DO BY FEDERAL LAW. I HAVE TOLD THEM WHAT ITEMS ARE NOT MINE AND WHAT ITEMS TO REMOVE AND THEY HAVE REFUSED AND THEY ALSO HAVE GONE PAST THE 30 DAYS ALLOWED TO ADJUST MY SCORE AND REPORT AND REFUSE TO DELETE THE ITEMS AS STATED ON MY IDENTITY THEFT POLICE REPORT.I DEMAND THAT THESE ITEMS TO BE REMOVED AND MY SCORE ADJUSTED.
Product: Credit reporting or other personal consumer reports

My Birth year is incorrect and I Could not contact these companies with information showing on my Equifax report, customer service was rude and hung up on me, not sure if its a miscommunication or something else ; Id like these inquiries deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX has closed out an account that was last reported on XX/XX/XXXX, with a close out date for XX/XX/XXXX. XXXX of XXXX, I reviewed my latest consumer report and its reporting as a repossession. 
I am aware that any transactions between a consumer and a creditor should not be furnished on a consumer report. I also did not give XXXX XXXX nor Equifax, XXXX, or XXXX  consent to furnish this negative account on my report. I also was not given a chance to opt of reporting for this account. As of today XX/XX/XXXX, this is my written consent to opt of credit reporting for this account. Because I am aware that I have all rights to privacy, I will hold whoever knowingly and deceptively falsified negative, non-personal information liable to the extent of what federal law allows. A cease-and-desist letter is attached to this report as well as an FTC complaint. This account should be deleted Immediately.
Product: Credit reporting

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. EXPERIAN are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? EXPERIAN have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX XXXX ( XXXX XXXX A XXXX & XXXX XXXX XXXX XXXX XXXX Furthermore Experian have failed to provide the method of verification as required under XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that under Section XXXX XXXX of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Also there is a account that was removed but put back on my credit report under a different account number i also want it removed again for good this time. Enclose are proof of the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I signed up for a Barclaycard credit card with a promotional offer of XXXX % interest for XXXX months on purchases and balance transfers. I did a balance transfer when I opened the account, on my first statement I noticed I was being charged XXXX % interest rate. I called on XX/XX/XXXX and spoke to a representative and got a case # XXXX, they took my information and told me my account would be adjusted to XXXX % interest for XXXX months and credited for interest accrued. Follow up emails to Barclaycard have replied back with conflicting information regarding my case and when it was started, with no resolution or date to resolve of this issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 


Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX BANKRUPTCY Account number : XXXX Account name : XXXX XXXX BANKRUPTCY Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Hello, My complaint currently Is against Bank Of America card. My application ID was XXXX. At this time, I feel the company is being discriminated since I have a last name of XXXX and they will not issue me a card at this time. 
Thanks so much for hearing me out XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and requesting XXXX to delete these inquiries and they arent event willing to look into it. I am unfamiliar with and they refuse to delete. Please delete these inquiries. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXXXX/XX/22 XXXX XX/XX/22 XXXX  hotel and travel XX/XX/22
Product: Checking or savings account

My account was compromised and several charges were made at XXXX ATM after speaking with chime for weeks. They decided to deny my claim.
Product: Credit reporting or other personal consumer reports

Incorrect Balance reporting : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to account being hacked at all XXXX  credit companies, I have been receiving unsolicited calls, texts and emails from vendors. 
I have frozen my profile at all companies to prevent illicit activities.