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

My credit was use without my Permission
Product: Credit card or prepaid card

I have a Costco Visa card issued by Citi. I have spent more than {$100000.00} on the card over the last two years and have paid my balance fully every month and never missed a payment. The bank closed my card last week. I called to ask why and they said to wait foe a letter in the mail. I just received the letter which says that they closed the account based on my request. I never asked them to close the account and I can not get an explanation why they closed it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified several accounts that appear inaccurately listed. I hereby request the removal of the specified accounts from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inclusion of these account ( s ) constitutes violations of 15 USC 1681a, also known as The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ], which outlines exclusions from the definition of a " consumer report. '' Specifically, it states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Allow me to elaborate. According to the Truth in Lending Act 15 USC 1602 ( g ), the term credit card is defined as follows : " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This definition encompasses my social security card, drivers license/ID, and license plate, all of which have been used as credit cards for the extension of credit. Therefore, I insist that this account be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 3. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4. Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled Experian Credit report Notice incorrect information Called the creditor to verify this information Creditor stated I never had an account with them Now disputing incorrect information on my report
Product: Credit reporting or other personal consumer reports

In XXXX I opened an account with Net Credit to get access to a cash advance. I had begun repayment to this cash advance and in the month for the month of XXXX I fell behind on my payments and needed to catch up. I had then decided to repay the past due balance, but the representative at the time misinformed me of the proper process to repay that exact balance and instead had me pay the amount that was current on the account. I then expressed my concern and disappointment I had in Net Credit as they failed to take any accountability in the management of my account. This event would then lead to them putting my account delinquent on my credit and has been so since then. Fast forward to XXXX of XXXX I was able to pay off the entire past due balance, and get my account positive, and since then I've approached Net Credit on multiple occasions about the error they've made in the management of my account. On my XXXX report it now shows that my last payment was in the month of XXXX, and that I began missing payments in the month of XXXX. What's frustrating now is that on my XXXX report there's not only the absence of this account, but nothing for the Net Credit on file at all. On the final credit bureau XXXX contains a file for Net Credit, yet they claim I never made a payment for XXXX, and that I missed a payment starting in XXXX and not XXXX like XXXX suggests with their report. Attached I have the reports for all three agencies, and I now plan to get all three credit bureau reports matching with 100 % identical and information as this is my right as a consumer. Per the laws set in place I know that this account presents problematic information as it not only is contradictory to the first claim of being 100 % accurate, but it also contradicts the claim of being fair as it shows information on one report that isn't replicated and matching to the other two available.
Product: Debt collection

On XX/XX/2021, Franklin Collection Services based out of XXXX, XXXX added a collections account for {$1200.00} to my credit reports causing my score to decrease. This collections account was RIGHTLY removed previously from my credit reports by another collections agency whom could not verify/validate this debt is in fact my debt. This account is believed to belong to another family member whom is deceased and is in fact NOT MY DEBT which previously resulted in a removal/deletion. The collections agency has in turn sold this account to Franklin collection services without written notification of the debt and without verification that this debt is mine. I HAVE NOT RECEIVED ANY WRITTEN NOTICES OR PHYSICALLY SPOKEN WITH ANYONE FROM FRANKLIN COLLECTION SERVICES. 
Under the Fair Credit Act, if the debt is not verified or validated to be yours, it CAN NOT be erroneously put on your credit report and such section is AGAINST THE LAW for credit agencies to report debt that isnt validated or inaccurate. 
Under the Fair Credit Act, a debt collector has to send you a written statement outlining the specifics of your debt that is in collection. Within five days of contacting you, a debt collector must send you a written notice of the amount of money your owe, and the name of the original creditor. The notice must also explain the consumers rights of what actions to take if you believe the debt is not yours. 
NONE OF THESE ACTIONS HAVE TAKEN PLACE WHATSOEVER. 
I ask for IMMEDIATE permanent removal of this account that was PREVIOUSLY REMOVED and had been placed back on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX
Product: Checking or savings account

I opened a College Checking account with Chase Bank XX/XX/year>. I deposited a check I received from my landlord which was a security deposit for {$9200.00} on XX/XX/year>. Chase froze my accounts and told me to verify check with a phone number. Contacted the check issuer and tried to verify the check with Chase but they were unable. They closed my bank account sending the remain bank balance minus the check on XX/XX/year>. They cashed the security deposit check for {$9200.00} and have refused to give the check back to me or the issuer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a notification for a new credit line on my credit which was a car loan I had taken on XX/XX/XXXX and already had this reflecting on my credit that cause a reduction in my credit score at that time. However I received an unfair reduction in my credit score by XXXX points from Experian and TransUnion credit bureaus. This is unfair and unjust seeing that the % of credit used on my credit cards is even less than 10 %.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character ) capital XXXX balance {$0.00}, XXXX XXXX XXXX balance {$560.00}, self financial balance {$0.00}, XXXX XXXX XXXX balance {$3300.00},
Product: Mortgage

AmeriFirst finical XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX To whom it may concern, I am writing this letter as a formal demand for reimbursement of my losses due to poor management of our transaction due to the following reasons our transaction did not close nor did it get handled appropriately Lack of communication After sever emails calls and attempts by my realtor it took him calling another branch to get a response We have several reviews of your company that say the exact same thing Refused to answer simple questions in regards to the transaction Failure to properly timely process paperwork and a response. 
Paperwork was not done in a timely matter causing the transaction to go past the close of escrow date still with no response After many attempts by my Realtor to contact XXXX XXXX and ask when the file should go to underwriting or quality control, we never got a response until after scheduled close of escrow date These are just a few reasons this transaction was poorly managed and why the transaction failed to close or failed to give us proper notice it would not close. I had moved into an apartment from the understanding that your employee would do her job. I waited until after inspection and appraisal my Realtor had contacted XXXX XXXX and asked if she sees any issues with the file and she assured him she does not My expenses are as followed Moving company- {$3500.00} Apartment - {$3200.00} Mortgage payment- {$1400.00} Misc. ( late fees, Interest, additional expenses ) - {$3500.00} In the event you need a breakdown or proof of fees I will be glad to provide Please send the Check or response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZXXXX  Due to the poor management of your buyers file it has put my family into a finical hardship. If this is not handled appropriately and timely I will file a formal complaint with the NMLS and state. As well as a claim suit Sincerely, XXXX XXXX
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 XXXXXXXX Account Number:XXXX has violated my rights. Or a 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

Issue Description with Credit Report 1. Incorrect Late Payments : There are late payments incorrectly reported on my accounts with Dept of EducationXXXX and XXXX XXXX, XXXX. These payments were either made on time or the reported late payments do not accurately reflect my payment history. These discrepancies have occurred over several months throughout XXXX and XXXX, impacting my credit score negatively. 

2. Unauthorized Hard Inquiries : Multiple hard inquiries have been recorded on my credit report that I did not authorize. These inquiries were listed under names such as SBA and other financial institutions, dated mainly in XX/XX/XXXX. These unauthorized inquiries have potentially lowered my credit score. 

3. Outdated Personal Information : My credit report lists outdated addresses which are no longer relevant to my current situation. These outdated addresses include locations I no longer reside at or have business with, which could affect the accuracy of credit and background checks. 

4. High Loan Balances : My report shows high loan balances, particularly with student loans managed by Dept of Education/XXXX , which are being reported with inaccuracies regarding the actual amounts and the status of payments. 

Actions Taken : I have reviewed my credit report thoroughly and have identified these inaccuracies and unauthorized records. I have not yet received any response or correction action from the credit bureaus or the financial institutions involved after discovering these issues. 

I request that these inaccuracies be investigated and corrected promptly to reflect my true credit history and protect my financial integrity. Please update me with any changes or information required to resolve these issues.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

the following inquiries were placed on my XXXX report and was not authorize by me : XXXX. XXXX XXXX XXXX XXXX XX/XX/24 XXXX. XXXX XXXX XXXX XX/XX/24 XXXX. XXXX XXXX, XXXX XXXX XX/XX/24 the following inquiries were placed on my Experian report and was not authorize by me : XXXXXXXX XXXX XXXXXX/XX/24 XXXX, XXXX XXXX XXXXXXXX XX/XX/24 XXXX. XXXX XXXX XXXX XX/XX/24 the following inquiries were placed on my XXXX report and was not authorize by me : XXXX XXXX VIA DEALER 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

Suntrust {$450.00} XXXX XXXX Bank {$350.00} Truist Bank {$1000.00} I did not authorize these charges an ex from my past made these charges after my card was stolen i tried to explain to the banks they act like they dont understand. im trying to dispute these charges. I need these removed off my name completely! 

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

How it started in XX/XX/XXXX : I disputed some information via Transunion regarding the XXXX XXXX XXXX XXXX account and TransUnion deleted the loan/account COMPLETELY from my credit report. When I DID NOT REQUEST THE ACCOUNT TO BE DELETED. I objected the accuracy of the payment history. 

Today : After multiple attempts and requests to both Transunion and XXXX University to reinsert my account/loan in my credit report NOTHING HAS HAPPENDED. 

This has caused me serious harm to my credit score and credit history. This loan is my oldest loan in my credit records and it is still currently in repayment. When this account was deleted ( unsolicited and irresponsibly ) by Transunion my credit score dropped more than 56 pts. I NEED TO SOLVE THIS. I am not able to get new credit approvals as this has plunged my credit score and I am left with  almost NO CREDIT AGE. I am little unable to get new credit approvals due to this situation. This has been harmful to me in many ways. 

XX/XX/XXXX - I submitted a dispute to cfb. XXXX responded they were investigating but that it appear the situation was not on their end as they seem to be apparently reporting to TransUnion the information of my payments and student loan. 

XX/XX/XXXX - Transunion answered " The data servicer XXXX University will need to submit an account reinsertion request to TransUnion ''. 

Since then, I have tried contacting XXXX to confirm this has been done and no one, NO CUSTOMER SUPPORT AGENT has information. They've also said there is nothing in the notes. I need the parties to get this solve and call me with a SOLUTION.
Product: Credit reporting or other personal consumer reports

Hello, I was looking at my credit report recently because I seen some errors related to my credit history. The credit reporting agencies have the responsibility to accurately report this information to me and I have never been late on any payments on my XXXX XXXX  ending in XXXX. I ask that you swiftly remove any late payments that can not be verified. Not only that, my report shows from one bureau Equifax states that I have XXXX revolving credit accounts totaling in {$5000.00} and on Trans Union it says {$2000.00} which is information that directly conflicts each other as I only have XXXX revolving account which is my XXXX XXXX. It also says I have a 14 year credit history and I'm only XXXX XXXX XXXX so I don't know why my credit history is being reflected this way? Doesn't really make sense and its hurting my credit massively.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ) XXXX XX/XX/2024 Dear TRANSUION, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : XXXX Account number XXXX Party Owed : XXXX XXXX Amount : {$330.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$270.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account number XXXX Party Owed : XXXX XXXX XXXX 
Amount : {$230.00} Account number XXXX Party Owed : XXXX XXXX XXXX  XXXX Amount : {$160.00} Account number XXXX Party Owed : XXXX XXXX XXXX  XXXX Amount : {$260.00} Account number XXXX Party Owed : XXXX XXXX  Amount : {$0.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account number XXXX Party Owed : XXXX XXXX XXXX Amount : {$260.00} Account number XXXX Party Owed : XXXX XXXX  Amount : {$500.00} Account number XXXX Party Owed : XXXX XXXX Amount : XXXX Account number XXXX Party Owed : XXXX XXXX Amount : {$2200.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$520.00} Account number XXXX Party Owed : XXXX XXXX XXXX Amount : {$200.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$580.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$570.00} Account number XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT IT IS FRAUDULENT AND IM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Sincerely,