23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX XXXX. Box XXXX XXXX, XXXX XXXX Attn : XXXX XXXX Re : Account Numbers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX ) Re : Social Security No. : XXXX The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting associated with my Social Security Number to the XXXX credit agencies and remove all late reporting as my loan was transferred to several collection agencies while I am trying to pursue work-out options for my private student loan. As I have accepted your agreement on a debt settlement and had my attorney confirm the details in writing and have yet to receive final confirmation from XXXX on the terms. Over the years I have filed pleas to whereby I could make payments more affordable and filed numerous complaints with CFPB to resolve this very serious matter. 
Recently, I have begun search for a more financially rewarding career with promotional potential within the Federal government and it has come to my attention that my late payment ( s ) with XXXX may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants and getting security clearances. In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( Experian, XXXX, and XXXX ) and removing duplicative entries by the third party collection agencies. I sincerely hope XXXX Bank home mortgage believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. While I understand that it is true that I have been late ; gaining meaningful employment with a salary whereby I can repay my mortgage documents that I am making definitive and positive strides. I would be happy to furnish my job applications and interview logs where I have been competing against XXXX applicants and securing XXXX and XXXX interviews within the Federal government. I appreciate your time and look forward to receiving a favorable decision from you department soon. Please provide your decision on the above-mentioned account in writing on if consideration can be granted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : TRANSUNION 1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX  6. XXXX XXXX 7.  XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX  11. XXXX  12. XXXX XXXX 13. XXXX XXXX  14. XXXX/ XXXX  15. XXXX/XXXX  16. XXXX XXXX 17. XXXX 18. XXXX XXXX XXXX 19.XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX/XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX.

31. XXXX/XXXX  32. XXXX XXXX 33. XXXX  34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 36. XXXX   XXXX XXXX.

37. XXXX  38. XXXX XXXX XXXX 39. XXXX XXXX 40. XXXX XXXX 41. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$410.00} ; XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, 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.

1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX 3.Validate Account XXXX Account XXXX, XXXX  Account XXXX Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account XXXX Validate 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX with lots of inquiries. This has cause me great anxiety, stress, and financial hardship.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My Complaint involves Citizen 's Bank and XXXX XXXX. Citizen 's Bank reported a false account on my credit report, a revolving account for {$88.00} a month which I never agreed to. I immediately called the company on numerous occasions advising that I never agreed to this, I asked for a copy of any contract that they have to see if there are fake signatures or find out why they think I have obligated myself to pay this and they said they do not have one, and advised me to contact XXXX. I contacted XXXX to complain and ask for any contract or proof and they too said they do not have this information, to contact Citizen 's Bank. I then demanded that any accounts I tried to have with XXXX be canceled because I never agreed to this and to remove from my credit report. Instead they continued to report to the credit bureaus, reporting late payments that I never agreed to, thus lowering my score. I have disputed with the bureaus with results that it was " Verified. '' How can this be verified with no proof, no contract. I do now owe this debt, I do not know the terms of this debt, no APR, nothing other than the fact that they want me to pay {$88.00} per month for a XXXX vacation package that I tried to sign up for, which based on what was represented to me by XXXX would have cost me {$17.00} per month. I have no idea where this {$88.00} per month materialized from. I NEVER AGREED TO PAY THAT TO CITIZENS BANK OR XXXX. I sent both companies cease and desists letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a RELEASE OF LIABILITY for a XXXX XXXX XXXX that was in my name with Capital One Auto Finance on XX/XX/XXXX. On XX/XX/XXXX XXXX took over the contract
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, and this Bankruptcy isn't mine. Please remove them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Resurgent Capital Services, L.P.Compliance Department XXXX XXXX XXXX XXXX XXXX Subject : Fraudulent Account Dispute for ( Balance : {$38000.00} ) Dear Compliance Department, I am writing to dispute the above-referenced account, which was fraudulently opened using my identification without my authorization. The perpetrators utilized my previous address to conduct these fraudulent activities, resulting in damages to my credit profile. I have filed a police report, an FTC Identity Theft Report, and a notarized affidavit affirming that I am not responsible for this account. I demand that this account be removed from my credit report immediately. Failure to comply within five ( 5 ) business days will result in legal action, including reporting your company to authorities for its role in perpetuating harm through inaccurate reporting. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The folloewing accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed fraudulent activity. This is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card

On XX/XX/year> I purchased an item from the website Mercari. This item A wonder shop tree lighting switch was overpriced in the amount of {$65.00} far from the original price of {$25.00}. However, it has come to be that this item has been recalled by the manufacturer and The Department of Homeland Security due to the wireless plug in overheating and potentially causing a fire to break out. I contacted the website on XX/XX/year> regarding this issue and they replied today XX/XX/year> and denied a refund stating their policy only allows 3 days to return an item and refused to issue a refund even though the item has been recalled. I also sent them proof that the item was recalled and they still denied the return.
Product: Credit reporting

Experian did not require XXXX to provide any proof that XXXX notified me the consumer about a debt they claim I owed. I complained to Experian that I had no knowledge of the debt. I had knowledge of the account but no knowledge of the amount owed on the account due to I was not informed of the debt.
Product: Prepaid card

I was giving a {$100.00} Visa XXXX XXXX XXXX. I do not recall the exact date but it was sometime in late XXXXXXXX XXXX I tried using it recently and the transaction did not go through. I when to the customer service web site ( wXXXX  ) to verify card balance. When I entered the requested card number and XXXX digit number in the back of the card it would not except the card as being valid. I called the customer service number ( XXXX ) on the back of the card. The representative said the card was deactivated do to possible " fraud ''. She said to fax a copy of the card along with my ID. I did as requested over three months ago but never received any response and my card is still deactivated. The card is issued by U.S. Bank National Association. Apparently a lot have people have had similar issues with this company as they are scamming individuals with this type of practice.
Product: Credit card or prepaid card

I had fraud charges on my account in XX/XX/2021, which I noticed as I received an email to review my purchases at XXXX XXXX. When I clicked on the items that were purchased, but not by myself, I called to report fraud on the card for charges I did not make. XXXX XXXX XXXX card servicing company, Synchrony Bank cancelled my card and issued a new card. The fraud charge was taken off the account, but new balance transfers were showing up on the new account. It has taken months and several long phone calls to find out what is going on with these billing errors. On XX/XX/XXXX, I faxed a dispute for the charges as I did not want my credit score to be impacted by an error caused by Synchrony Bank, which has happened in the past. According to the FTC, I am to have my dispute acknowledged by Synchrony Bank within 30 days and am not to receive any interest/late fees related to the disputed amount to show on my account. Over the past two months, I have been calling Synchrony Bank to follow up on the dispute and also to request they remove the interest charges. On this months ' statement ( XX/XX/2021 ) I am being charged a late fee in addition to interest charge. I called Synchrony Bank today when I logged into my account and see it showing as delinquent and asked to have an update on the Dispute I faxed to them on XX/XX/XXXX. I have informed them they are doing exactly what I am to be protected from according to the FTC consumer protection laws.
Product: Credit reporting or other personal consumer reports

Every time I placed a rental application, my credit information was incorrect in trans union and I was denied housing. This has happened throughout the years and I have almost ended up homeless from the issue. I tried to correct it but was never shown my credit report that was sent to the leasor/owner of the properties but when Id look my credit score it was enough to qualify for housing. This has caused many hardships and rejections unnecessarily. 
Some of these companies were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? XXXX ) What is your authorization of law for your collection of this alleged debt? XXXX ) Please evidence your authorization to do business or operate in the state. XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Hard Inquires below has violated my federally protected consumer rights to my privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give any of these bank 's permission to run my credit and I have reached out to these company 's multiple times and there was no response.

I am now reaching out to ask that all of these hard inquires be erased and deleted off my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


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