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

On XX/XX/XXXX, I pulled my credit report and after going over I found out multiple a collections on it that I did not have any idea where they came from, at that time, I did not do anything, recently, on XX/XX/XXXX, I pulled my updated credit report and found out the following collection accounts XXXX XXXX XXXX, allegedly collecting on behalf of XXXX XXXX XXXX XXXX, with two alleged account numbers XXXX and XXXX with an alleged balance of {XXXX} and {XXXX} ; both accounts definitely do not belong to me. I have no other reason but to believe that I am a victim of Identity Theft. In the other hand, just a few weeks ago I received a collection letter from XXXX XXXX XXXX attorneys, trying to bring a judgment on me with an alleged account # XXXX, and they are trying to collect an alleged amount of XXXX} and/or any other amount. Looking forward to remove those accounts on my credit report, since I don't have any idea about those accounts that XXXX and Transunion are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account showed up on my credit report. This account never belonged to me. I contacted the company and was not able to get resolution after several attempts.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 ; XXXX : didnt never deposit money in my account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I delivered a notice of revocation of any authorization ( s ) I have given XXXX XXXX XXXX XXXX XXXX  XXXX ( i ) obtain credit bureau reports and other information about me from time to time in connection with servicing or collecting my Account, making me aware of products and services related to my Account and for any other purposes. ( ii ) verify my age, social security number, residence and other identifying information with the credit bureaus. ( iii ) Report information about my account to credit bureaus such as late payments, missed payments, or other defaults on my account which may be reflected in my credit bureau report. Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; 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. XXXX XXXX or any of its non-affiliates ( Experian, XXXX, XXXX ) have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with XXXX XXXX XXXX XXXX  XXXX If XXXX continues to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ON THE ATTACHMENT ARE FRAUDULENT AND NEED TO BE REMOVED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX Have fraudulent accounts on my credit profile that need to be removed immediately
Product: Credit card

On XXXX XXXX, I received a letter in reference to my Chase Slate Credit Card stating that they are rising my Purchase APR and Balance Transfer APR from 7.49 % to 12.49 %. I have had this credit card for 18 years, never late, never over credit limit and my credit score has always been above XXXX. In the 18 years in having this credit card they have changed to card from fixed rate to variable rate. This is second change they are trying to make my card in the last 6 months. First they tried to reduce my available credit from XXXX down to XXXX. They say the changes are to reflex the rates for new credit card accounts. They have no answer to why I'am being penalize. I have 18years credit history with them. I have XXXX other credit card accounts 25 years and never I have the rates gone up. Being a person of XXXX I'am tried of banks doing what the want all the time. You sign an agreement when the deal is no more good for them they change the terms to suit themselves.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting my name incorrectly by adding a XXXX suffix to my name when they report it to the bureau. This is happening to the credit card that was closed sometime back but not happening with my open card with wells fargo. Inspite of working with XXXX XXXX and getting their assurance that its fixed, I still find that they are reporting my name incorrectly. 
I had previously raised a CFPB compliant and I was told to wait 30-60 days for the change to happen. I have now waited for more than that ( reported in XXXX ). At this point, it XXXX XXXX needs to work with transunion to see whats not working instead of just replying that it has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2023 I sent disputes to all three major credit bureaus due to unauthorized or fraudulent inquiries on my credit reports. The bureaus did not remove the inquiries at all.
Product: Checking or savings account

On XX/XX/2021 I received an email saying that my anti-virus provider, XXXX, was deducting about {$250.00} from by bank account for an annual fee. I had just paid XXXX for my annual fee in XXXX, so I called the number in the email to ask them to correct the error. The number I called was not XXXX, as I later found out. The man on the phone asked a number of questions about my bank and debit card to get me my refund. In the process he showed me two crypto-currency dealers ( XXXX and XXXX ) and got my agreement to connect them to my debit card. Four transactions appeared on my bank account totally {$920.00}. When they tried a fifth charge, Chase fraud department sent us an email that my debit card was being used for a suspected fraudulent transaction ( the scammer was trying to put through a much larger amount- {$490.00} ). After I closed the phone call, I called XXXX and my bank. XXXX offered me a discount on next year 's fees and Chase told me that nothing could be done, not even filing a claim, until the charges, which were then " pending, '' went though. I called numerous times over the weekend to Chase, only to be told the same thing : " wait until the transactions go through, then file your complaint. '' The charges finally went through last night, XX/XX/XXXX. I called the Claims department this morning and was told there was nothing they could do and I could call XXXX and XXXX and ask them to put the money back on my account. I am reluctant to call the crypto-currency dealers, XXXX and XXXX, as I do not know if they are legitimate, perhaps even complicit in the theft.
Product: Credit reporting or other personal consumer reports

XX/XX/2021 the account shows it was a charge off I never received a 1099 yet this account still reports negatively late payments on my credit report
Product: Student loan

AES is relentless in not negotiating with students regarding repayment options. I tried negotiating a payment schedule back in 2014 when I had a medical crisis and could barely make payments. The only option AES gave was one-half monthly payments and no interest negotiation. There are two small loans of {$3000.00} ( {$6000.00} total ) each that has ballooned to {$12000.00}. During this same time period, I was able to negotiate interest rate reduction with Navient in which I had been paying off along with AES -- no missed payments. I was able to pay Navient in full once the interest was removed. AES will not budge and states the only forgiveness will be upon death. Also, I can not consolidate this loan into my federal loan consolidation/borrower 's defense claim. Something needs to be done where this interest rate is reduced -- this is highway robbery.
Product: Credit card or prepaid card

On XX/XX/2020 I noticed a fraudulent transaction posted to my Bank of America, Maryland Unemployment Prepaid Debit Card. A total of {$200.00} was debited. I contacted the Bank of America Fraud department on XX/XX/2020 to start a dispute. The claim number was XXXX. I was told that I would be contacted regarding the investigation however that did not happen. On XX/XX/2020 I received a letter from Bank of America regarding the claim. The letter was dated XX/XX/2020, the day after I called to dispute. The letter stated " the above listed claim has been closed. '' Furthermore it states, " your claim has been closed because we believe the account or the claim has been the subject of fraud or suspicious activity. '' I am unclear as to what that means. The {$200.00} was never credited back to my account ; it remains as a debit. No information was given about the investigation or who committed the " fraud or suspicious activity. '' I was not given any further information or documentation. I do believe that this was a result of fraud on the part of Bank of America. There have been reports of similar fraud related to the Bank of America Maryland Unemployment Insurance prepaid card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized inaccurate hard inquiries on my credit report from XXXX and they're saying the only way I can have them removed is if I file a complaint with the Creditors! I've called and sent emails and never received a response from either companies. 

!. Capital One Auto Finance Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX XXXX  ATTN : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a {$950.00} loan about XX/XX/19. I made one payment of {$260.00}, then I found I am being forced into retirement due to needing XXXXXXXX  XXXX XXXX. I was then going through all debts owed and found the interest rate of 742 %. I know they are illegal in the State of Minnesota. I contacted them and informed them I was willing to pay the principal balance of {$680.00} over 2-3 months on the day I receive my social security payments. I also told them they were illegal in Minnesota. The reply was they are a tribal lender and their rules apply, not the laws of the state I live in. I do plan on paying the principal balance but can not afford their ridiculous interest rate. They have ignored my requests since, threatened with a 3rd party collector, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok first I am a victim of identity theft and I know this started with my XXXX phone account that I opened last XXXX. I tried over and over to get XXXX to stop the people who hijacked my account. There were things ordered account info changed and thousands of dollars that I had nothing to do with but XXXX did nothing but bill all that fraud activity to me in which we had this laughable arbitration XXXX that I had no chance to win if XXXX was not made to give all the many calls I made to them there fraud department and many more. This took place until I stop paying and my account was closed. Now there are XXXX collections on my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and served with honors, I cherish this democracy and firmly believe in responsibility, but there is nothing fair about how this is happening to me I found out were one phone that was bought on my account is in XXXX XXXX XXXX with the DA until they are done with there investigation. He told me there was no guarantee I will get it back at all but XXXX charged me for that phone it is clear it was stolen but they don't care I'm looking at a derogatory collection that hurts my chances at any credit and being on a set income that hurts. Please help me get this resolved.
Product: Debt collection

I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$1200.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 and 15 USC 6802 ; I have the right to privacy and no financial institution is not supposed to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a not a duplicate complaint and I'm not using any XXXX  party for this matter, I represent myself by myself and provide information on my own. The reason I'm sending this complaint because I have NEW Evidence of my statement. 
I go a few hard inquires on my report that I have never authorized. I have filed FTC report for this matter and included in this package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX - XX/XX/2021 XXXX XX/XX/2021 These items MUST BE REMOVED FROM MY REPORT Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I disputed the account for XXXX/XXXX XXXX - XXXX XXXX XXXX XXXX it shows as open and I'm currently late. The account was closed and sold in XXXX or XXXX. I paid the new company in full in XX/XX/XXXX. Both the company and the credit reporting agencies ( Experian and XXXX  ) continue to report inaccurate information, even after I've provided them with the correct and updated information. XXXX XXXX XXXX, XXXX provided me a letter stating, the account has been sold, but they continue to update with erroneous information. 

XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX Paid XXXX ( XXXX XXXX XXXX XXXX account was sold to ) in XX/XX/XXXX Notified Experian, XXXX  , and XXXX  XXXX XXXX in XX/XX/XXXX and again XX/XX/XXXX to correct credit report. 
XX/XX/XXXX - XXXX/XXXX  XXXX ( XXXX XXXX XXXX, XXXX ) updated erroneous information again.
Product: Credit card

Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX  XXXX XXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed. 
These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Experian failed to conduct a reasonable investigation or provide the necessary description of the investigation process.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process.

Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Experian failed to provide accurate disclosures regarding the accounts status, violating TILA regulations.

Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately.

Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Account Number : XXXX High Balance : {$0.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Unpaid balance reported as a loss by credit grantor. 
Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX ( 30 ), XXXX ( 60 ), and XXXX ( 90+ ). 
Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation.

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

Sent in notices about inaccuracy of my credit file in XXXX and XXXX of 2022. Last correspondence was sent via USPS and is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agencies report info does not reflect credit denials in recent inquires. XXXX credit rating XXXX. But have been denied any credit time and again. Info exchanged with me is not reflected with info to creditors. XXXX wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX whitewashed me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Product: Credit reporting

I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved