23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXXAccount Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX 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 XXXX 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, credit repair services, or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be re-investigated. 
XXXX XXXX Acct # XXXX I have attached my credit report from both Equifax and XXXX and each one have very contrasting payment history. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting
Product: Debt collection

LVNV Funding LLC is not owed. If they purchased it. They cant sell my information without written consent under 15 USC 1681. Tey also do under the name Resurgent I have written them several letters to verify debt. Please remove both entries on my credit report on all e Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have made several attempts to correct a error on my credit report and the cra refuses to investigate or correct a problem on my report. I have reached out to the source of the info and have received the following reply. 
They have confirmed that this is not my account and it should be REMOVED IMMEDIATELY. 
I have said this over and over again the the credit agency and still they have refused to do a proper investigation. Attached is a letter from the account listed on credit report. 
PLEASE REMOVE XXXX ACCOUNT FROM MY REPORT IMMEDIATELY. 
Proof Attached.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items hat you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

There are several inaccurate inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks are detrimental to my credit health.
Product: Vehicle loan or lease

Loan was refinanced away from Exeter finance to my own private credit union, XXXX XXXX. Exeter sent a letter to the dealership directing them to send my refunds for both gap insurance which was for {$790.00} and XXXX  XXXX insurance in the amount of XXXX be sent directly to them. They from the gap insurance refund deducted {$82.00} from that check which they sent out to me and from the XXXX  XXXX insurance deducted {$36.00} from that check and for no good reason holding that check until XX/XX/2021 in case as they say something else come in on the account even though the account is closed and paid off.
Product: Debt collection

There contains no record of any contract with my wet-ink signature between Pro Collect. They mailed a bill and not an original contract. I do not consent to contract with Pro Collect. 

Pro Collect is using my information without my consent, this is Identity theft and perjury.
Product: Credit reporting or other personal consumer reports

Please perform a full investigation. XXXX XXXX denied my fraud application without even receiving an Affidavit form on file. I want XXXX XXXX to perform an honest full investigation on this identity theft crime, as soon as possible. I contacted the police, Ive made police reports, I sent forms and letters to XXXX XXXX XXXX XXXX XXXX 

I want XXXX XXXX fraud department to rewind the cameras of the inside to the bank the day the crime was committed. I want the names to the XXXX XXXX representative who gave away {$50000.00} unauthorized. 
I would like a full investigation as soon as possible. 

I have NOT received cash from the persoanl loan. This persoanl loan is a crime of Identify Theft and should be taking serious. XXXX XXXX did NOT rewind the cameras inside of the bank, XXXX XXXX did NOT have an affidavit on file before making a decision to decline my request to investigate, also XXXX XXXX did NOT have an police report on file. This is completely illegal. I want to appeal my investigation application, {$50000.00} fraudulent persoanl loan. 

My ID and XXXX had been copied and used to perform fraud in my name. Im 100 % sure someone from XXXX XXXX  have stole my identity. XXXX have a service on the platform where as anyone can sell items. I sold my cellar device on XXXX XXXX  platform days before this incident occurred. Since then Im now experiencing fraudulent activities in my name. I did not reset my cellar device which had my information inside my notes. A picture of my debit card, ID and SSN were left inside my old cellphone files. Im 100 % sure a criminal have stolen my full identity and used it to commit fraud.

Please close this fraudulent account. {$50000.00} persoanl loan is unverified and unauthorized. Someone has stolen my full identity.
Product: Credit card

I did not receive statements via mail from the credit card company but started getting them by mail in XXXX XXXX XXXX I received a statement with a balance of XXXX and immediately called them up to report fraudulent activities. The call center representatives have XXXX XXXX XXXX and I think every conversation with them was difficult, and I have been on the phone with them at least XXXX times. The next month I received a lesser statement but there was still charges on there that I was not responsible for. They also have the names of two individuals that apparently made the charges to an online vendor called Wayfair. They continued to call me and email me about making payments on these charges. I at XXXX point asked for the names they had where these items were sent. As I said XXXX XXXX XXXX but I wrote down XXXX XXXX and XXXX XXXX. The wayfair charges were eventually taken off and they sent me a statement {$800.00} plus dollars I'm sorry but I don't have the exact amount. So once again on the phone I asked for a description of the charges and as he read them off to me XXXX by XXXX I was able to tell him which were mine and which were fraudulent because what they had sent me did not list the charges on the statement. At this time on XX/XX/year> it was determined that I owed {$48.00}. I asked them to close the account pending the fraud investigation and I would go to my bank web sight and schedule the payment which I did. Unfortunately they continued to call me and email me about making payments on the account. Finally I received a call and spoke to someone from their executive branch that spoke fluent XXXX however he was unaware of the previous conversations I had over the phone about the charges. I have received another statement with no charge description of the fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX After reviewing my account, I noticed there was fraudulent activity reporting. There are accounts that I have no knowledge of or relationship with. The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. I have no obligation to pay a debt collector and amount that is alleged and not mine. 

-Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The financial institution XXXX is reportinXXXX a inquiry on my personal credit. I never have done business with this bank, nor do I have any accounts or applied for financial business with them. I have called them multiple times to delete the inquiry with no cooperation. This activity and inquiry is illegal and fraudulent. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate. 

XXXX XXXX XXXX XXXX XXXX made an unauthorized inquiry
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020.
Product: Debt collection

I purchased tires for my car in XXXX of XXXX, I used a credit card SYNCB/Car Care Town Fair ending in # XXXX. They sent me monthly statements initially and I paid the bills fine. In XX/XX/XXXX they stopped sending me monthly billing statements, I called and let them know I was not receiving a bill. They refused to send me bills. I'm a senior citizen and I don't use online banking or bill pay or email nor did they mention that i had to pay in this manor. The debt was sold to XXXX XXXX.They refused to send statements. I filed 2 complaints with XXXX XXXX that I had a right to receive a billing statement and they agreed. The account was resolved at that time in XXXX and it was reported paid in full. Now they calling me and harassing me about paying this debt that was resolved back in XXXX.
Product: Checking or savings account

In attempt to link an XXXX  investment  account i was prompted to submit banking information. Unfortunately it seems to be dome authorization issues preventing the linking of the accounts. Id like solution to this problem. How do i authorize such transactions as this as well as future transactions.
Product: Debt collection

Re : Disputed Debt - XXXX XXXX XXXX XXXX  I received a mail ( with your website printed on it ) regarding the debt collection for the XXXX XXXX XXXX XXXX allegedly installed at my residence. I vehemently dispute this debt. 

The installation was fraudulent, done without my consent or authorization by my ex boyfriend while I was away working out of state. I called and emailed the two companies involved ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX CANCELED THE LOAN. ( I have the cancellation email ). I have consistently contested this since inception. 

Despite numerous calls and emails to XXXX XXXX to come pick up their panels. They made me feel so bad and I cried on this everyday because they either kept me on hold or hang up phone on me on several times. But because they didnt even get the proper approval from my HOA ( they sent application form to my HOA without my consent ). HOA started threatening my mortgage and I had to remove the panels from my roof and its kept save at a storage. However, unbeknownst to me, XXXX continued charging my card. I repeatedly requested XXXX XXXX to remove their panels, to no avail. 

I emphasize : I do not own these panels, nor did I engage in any business with XXXX XXXX XXXX XXXX 

Attached is the cancellation email from XXXX, corroborating my claims. I request : 1. Immediate cessation of debt collection efforts. 
2. Removal of the fraudulent charges.

3. Moving of solar the solar panels from storage 4. Refund all charges from my card 5. Remove this debt as lien from my mortgage I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is Cancellation email from XXXX and some others
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX  are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It has come to my attention that XXXX XXXX XXXX XXXX has been engaging in illegal reporting practices, specifically stating that accounts are closed every 7 days. This not only violates the FCRA but also constitutes harassment under the FDCPA. 

According to the FCRA, each violation may result in a settlement of {$1000.00}. Therefore, I demand compensation for the damages incurred due to these repeated violations.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX, I called Chase Credit Card company to inquire about a credit limit increase for my Chase Amazon Credit Card . I was never informed this would require a hard credit check and would reflect on my credit report. They ran a hard credit inquiry without my authorization. I have requested and received credit limit increases on other credit cards I have prior to this and have never had a new hard inquiry hit my report as a result of a credit limit increase on an already established credit line. I called Chase and spoke to XXXX ( a credit bureau specialist with Chase ) and requested to have the hard inquiry taken off of my credit report as I was unaware that would happen and was not notified of it, therefore it was not authorized by me. He then told me that Chase customer service should have informed me and had failed to do so when I spoke to them. However, he said he could not reverse the hard inquiry because it didnt qualify. I feel as though I was taken advantage of and that Chase knowingly did not inform me of this procedure and blindly took it upon themselves without my personal authorization to run a hard credit check on my behalf. I would like this immediately removed from my credit report and would like Chase to take responsibility for their actions.
Product: Payday loan, title loan, personal loan, or advance loan

Last night someone applied for credit under my name it was FRAUD -- the company Net Credit never took the time to send a text time or have measure to prevent this i called they told me to file a Police report -- -they should take better preventive security measures for this never to happen again -- -- -to anyone call the customer or send a text to see if it's them -- --- i will call on Attorney to find a reason for this never to happened again
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX VIA XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at around XXXX Eastern time, I have contacted TransUnion by telephone with phone numbers XXXX and XXXX to resolve unauthorized inquiries that was brought to my attention on my TransUnion report. I spoke to a TranUnion specialist and told him i want to report unauthorized inquiries that were not by me and to have them removed. The specialist asked me questions to verify my identity and provided him every form of information as he asked for verification. He begins to tell me that i need to reach out the creditors in question to document and prove to TransUnion that I did not authorize these inquiries. I responded to the specialist of TransUnion on why would TransUnion force me to contract with an unknown creditor that i have no business relationship with? I asked him if TransUnion would be accommodating to pay for my expenses on reaching out to the creditors for the inconvenience. He did not respond back. 

The TransUnion specialist forwarded me to a higher positioned employee by the name " XXXX ''. She then asked me questions to help verify my identity which I fulfilled. I explained to her my concerns and that I would need their help in providing me the source and proof of their policy or regulation that specifies and forces consumers to communicate with unknown creditors with no business relationship or contract with. She dishonored my request thereby acquiescing to the fact admitting that there is no policy or regulation with TransUnion which forces consumers to contract with unknown creditors that they do not have a business relationship with or a contract with. I named XXXX of the unknown creditors with their date of the unauthorized inquiry to XXXX the TransUnion specialist and she claims that there is no creditor with that information under the inquiry section of my profile. Please see attached screenshot with this complaint that reveals the unauthorized inquiries that are in question from my TransUnion credit report. 

I explained to XXXX that another credit reporting agency I contacted was able to process my disputes and reporting of unauthorized inquiries and removed them with no delay due to the fact that the creditors in question did indeed accept it as a fact that the inquiries were indeed unauthorized. I was not forced to contract with any unknown creditors by the other credit reporting agency.
Product: Credit reporting or other personal consumer reports

I know 15 USC 1611 Experian XXXX XXXX and XXXX is criminal obligated. They are officially obligated by the two management of money changes as per 15 USC 16 1640 for more. They are in risk of each other about FDCPA in XXXX for 1692. I requested that they eliminate XXXX 15USC 1692 It is likewise publicizing to certain installments which is not allowed. I am requesting that you remove these transactions immediately because it is infringement of my ability t S a government product purchase protected purchases under the title 15 USC 41 concerning record recorded on underneath a customer. I am requesting cancellation of these records under the consumer protection bureau, state attorney, Federal trade commission State Attorney General Us Senate federal deposit insurance corporation reserve system insurance Federal Trade Commission state attorney generall XXXX
Product: Checking or savings account

I closed my account in XX/XX/2021 following the instructions given to me by Citibank. For two months my balance was XXXX. Then they started charging both a monthly fee and an overdraft fee each time they charged a monthly fee. Ive used chat multiple times to explain that my account was closed in XX/XX/2021. Each time the representative apologized and explained they would reverse the fees and close the account. But that hasnt happened. Today I got a threatening call saying I owed over {$150.00} in fees for this account- all the fees are for monthly account fees and overdraft fees.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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 on XX/XX/year> under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries 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 are the result of identity theft and fraud.
Product: Debt collection

Reviewing my credit reports as of XXXX XX/XX/XXXX, I noticed that an account named ChildSupport Enforcem / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a Child SupportEnforcem is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the Experian report. XXXX credit report as of XXXX XX/XX/XXXX reflects paid collections, while XXXX credit report as of XXXX XX/XX/XXXX, reflects multiple months of " ND '', and Paid Collection.