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

I am disputing unauthorized inquiries and inaccurate information that has been reported on my ChexSystems report. These entries were made without my consent and may have been the result of a data breach. 

In particular, I have noticed multiple unauthorized inquiries from financial institutions that I did not authorize. The companies involved are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, State Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These inquiries began in XXXX, XXXX and continued until XXXX, XXXX. I have also noticed inaccurate addresses where I never lived the address involved is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Furthermore, there is a reported account abuse and charge-off by XXXX XXXX, which states an account under my name was closed and charged off on XX/XX/XXXX for the amount of {$780.00}. I did not authorize this account, and I believe this incident is linked to the data breach. The account was reported as " unpaid '' and is negatively affecting my credit profile. 

I did not take any action that would have caused these entries, and the unauthorized use of my personal information has caused damage to my financial standing. I request that this information be investigated and removed, as it was a result of fraudulent activity or a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

Experian : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$540.00} Collection XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}
Product: Debt collection

When they call they dont answer the call and they call all day long. I havent sign any contact with this company I never had any comunicacin with agency! I never sign any contract or made any commitment with Maury Cobb & Associates! As a consumer by the law on the credit company if I did not sign any contact with this collect this need to be removed from my XXXX report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX on XXXXXX/XX/XXXX and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus state my account was properly investigated but how is that possible if the account type - detail is inaccurate, the date opened inaccurate, the high credit inaccurate, the credit limit is inaccurate, the payment status is inaccurate, the last reported is inaccurate, the comments inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, and the 2-year ledger is inaccurate. 
The credit bureaus have violated my rights as a consumer under the following : 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 an account without my written instructions. 

This has been disputed numerous of times and it has been way over 30 days and still on my consumer report. 

Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  This complaint has been submitted to the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX block the fraudulent information on my consumer credit report within four business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : A personal credit card account opened with XXXX on XX/XX/XXXX A credit card account opened with XXXX  XXXX on XX/XX/XXXX A personal loan account opened with XXXX  on XXXX XXXX An auto loan opened with XXXX XXXX on XXXX XXXX A personal loan account opened with XXXX on XX/XX/XXXX. 
a personal loan account opened with XXXX XX/XX/XXXX an account with XXXX opened XX/XX/XXXX a collection account with contract callers opened XX/XX/XXXX a collection account with XXXX  opened XX/XX/XXXX a collection account with XXXX XXXX opened XX/XX/XXXX These fraudulent accounts have led to several unauthorized hard inquiries and collection items appearing on my FICO credit report. I have attached a copy of my FICO credit report from XXXX that reflects these fraudulent accounts. 

I do not recognize any of the accounts, collections, or hard inquiries listed above, as they were not opened, initiated, or authorized by me. All these items are the result of identity theft and fraud. Enclosed is a copy of my FTC Identity Theft Criminal Complaint ( # XXXX & # XXXX ) as evidence from the Federal Trade Commission confirming that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

A company by the name of XXXX XXXX XXXX  charged my credit card in the amount of XXXX in XX/XX/XXXX and its been since then and no resolution.
Product: Debt collection

In XX/XX/2016, I ordered a prescription from XXXX XXXX -- -who is the only option with XXXX XXXX XXXX XXXX  . 

I never received the prescription. They refused to replace it without my paying for the full cost of the medication which was approximately 3X the cost I could get the same drug locally. Therefore, I stopped using the mail order and now use only local pharmacies. 

XXXX XXXX continues to try and collect for a service that was never provided. They hired a company called " NRA '' who refuses to provide any information until you provide Name, Phone, Address, which personally I don't like to provide " in the blind '' on a cold call. Even when I verified my name, that wasn't enough. 

They were trying to collect a debt from 2016. They couldn't provide a name or contact on whose behalf they were trying to collect. I cold called XXXX -- -and finally convinced them to write-off the amount and notify NRA .

NRA is rude, interrupts, and calls multiple times even though they say they put you on the " do not contact '' list and mark charge as " disputed ''.
Product: Credit reporting or other personal consumer reports

I filed an investigation dispute request through the credit report agency XXXX about the inaccuracies listed under this credit account. But your company fail to comply and did nothing to correct these errors. Stating that the information was verified as accurate, which is 100 % not true. Your company has now violated my consumer rights under the Fair Credit Reporting Act Section 623 and 15 U.S.C. Section 1681s-2 Responsibilities of furnishers of information to consumer credit reporting agencies. The date closed does not match up with the payment rating history on my XXXX credit report and the payment rating is also missing for XXXX  ( Please See Attachments )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX, XXXX, NY XXXX : ( XXXX ) XXXX is reporting a {$0.00} balance on for an account # XXXX on my credit report that has already been paid to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX for the same account. The account with Debt Recovery Solutions was disputed with XXXX as not belonging to me as the debt has been paid. The amount on the report was {$600.00} and was updated to {$0.00} but still remains on my report. It is incorrect to for the Debt Recovery account to remain on my credit file as this debt was never paid or owed to them.
Product: Credit reporting or other personal consumer reports

A new car was purchased and in that agreement there was a vehicle traded in. The loan held by Ally Auto for the vehicle traded in was paid off in full and a refund issued for the overpayment. The dealership later decided that they made a mistake in the deal with the new transaction. When I refused to accept different terms ( high interest rate and cost ) they retroactively reinstated the original loan on the vehicle that was traded in. That vehicle was already in their possession and remained in their possession at all times. I asked for paper work proving that I agreed to start a new loan ( since the previous one was paid off ) on the vehicle I had traded in and they ignored all request. Ally Auto showed the loan as paid and I was unable to make payments if I wanted to. When I asked Ally about it, they said it was an issue with the dealership and I had to take it up with them. The dealership, XXXX XXXX XXXX out of XXXX, Idaho, refused to provide any documentation for what they did. They held the car the entire time as well. They eventually reported it as a charge off which caused me to lose almost XXXX point on my credit score as well and reduction in credit lines with credit cards I already have. They still are refusing to provide any paperwork showing they were authorized to do this. 

The vehicle transaction occurred in the company name but I was a personal guarantor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been turned down living circumstances and other financial services because experian and XXXX XXXX XXXX all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Wells Fargo over a dozen times and every representative assured me that everything would be taking care of. I was relieved. But then a year later the inquiry was still there. Again I contacted Wells Fargo on XX/XX/2021 spoke to XXXX from the fraud department she also convinced me that she would definitely take care of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information had been exposed during XXXX 's data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and XXXX and Transunion have refused to remove accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX removing the unverified accounts. 
I sent all credit bureaus 609 letters to enact my rights under the FCRA and XXXX and Transunion have refused to remove unverified fraudulent accounts. As recently as XX/XX/2019 both XXXX and Transunion unlawfully reported a collection account on my credit report from 'XXXX   XXXX XXXX ' whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a loss of 34 points in my credit score from Transunion and 6 points from XXXX.
Product: Debt collection

Hello, today XX/XX/2021 I found out that LCS Capital, one of my debt collectors, has been contacting my supervisor at my job on a regular basis. I found LCS 's phone number ( the same on they call me with everyday ) inside of my coworker 's phone. I asked my coworker about it and she denied everything about it even though we have the same number in both of our phones ( I have proof ) Now it would be important to note that my Supervisor doesn't have any private debt because she didn't go to college. It is also clear in the debt practices that a debt collector is not supposed to be contacting the people around me. 
.I want them to be penalized for this and I want them to stay out of my professional and personal life because it seems like they have no problem stepping over the line.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

CAPITAL ONE XXXX Opened : XXXX/XXXX/2015 Balance : {$140.00}
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and 1 Inquirie : XXXX XXXX XX/XX/2025 has violated my rights. XXXX5 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.
Product: Debt collection

I lived in an apartment with a family member. The lease was signed both of us, the lease ended and I moved out. The family member stayed and incurred the debt. The apartment complex told us that they lost our original lease that had us both on it so we need to resign the lease with the same original lease end date in order to remove myself and do a new lease under just the other family member which we did. I was associated to the debt even though the lease ended and I moved out. I tried explaining to collections the debt was not mine and they told me it was. Finally collections and the original apartment complex changed the debt as a charge off and removed it fully off 2 of the 3 main creditors. I still have a derogatory mark on one of my credit reports, although its at {$0.00} its still impacting me negatively and need assistance to fully remove the mark from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a very detailed affidavit of truth with evidence of all the issues I had with my credit report with evidence. I have attached that below. The credit bureau Transunion responded back with a generic response saying " the debts were validated '' but they did not ever show me any original documents from any of the creditors that are on my credit report. I am the natural person thus the original creditor. I entered a consumer credit transaction with these organizations and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law, they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. Not one single account that I requested proof of validation was ever sent to me. I have expressed this issue to Transunion, and it is well over 30 days since then and I am demanding that the invalidated debts be removed from my credit report.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, ACCORDING TO THE LAW AND MY CONSUMER RIGHTS PER FDCPA : The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days since i sent in my last dispute asking for re-investigation and my letters have gone unanswered and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding these accounts listed be deleted IMMEDIATELY!

Account : XXXX XXXX XXXX XXXX Account # XXXX Account : XXXX  XXXX XXXX XXXX Account # XXXX
Product: Debt collection

Received debt collection letter from Media Collections Inc. 
XXXX Joseph , Mann & Creed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX Claiming I owe XXXX XXXX {$2400.00}. The issue is that I have no current agreement, contract or policy in place with XXXX. They have effectively sent an " invoice '' without representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a customer of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. On XX/XX/XXXX, we applied for equity loan with the bank : I and my wife, XXXX XXXX. The bank responded with a letter asking us to complete so that it will be able to access our information through the IRS, form XXXX  ; however, we did response by signing and sending the information to the IRS as directed by the bank. Surprisingly, we received a letter from the bank the same day denying the equity loan when the information we sent had not even been processed either by the IRS nor the Annual Credit Repair Request Service. We filed a complaint with the XXXX XXXX XXXX questioning the abrupt suspicious stop of our application process contrary to the previous letter of the bank. The two officials of the bank investigating this matter are : XXXX XXXX XXXX, XXXX-XXXX-XXXX-XXXX and XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX. 
The XXXX XXXX claimed in the letter sent me that we applied for a credit program with TJX reward card. We never did, and had never done any business with this bank ever. However, this was intentionally done in order to sabotage our application with XXXX XXXX. XXXX XXXX is our mortgage company who even refinanced our house, our request for the loan is to repair our house. And we have other things placed into our credit report that are not true, but only used to disqualify our application. It's fraudulent, and should be investigated. You can reach me by phone : XXXX-XXXX-XXXX. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting 90 plus days late on the XXXX   account number XXXX. The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Credit card

Merchant Name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$290.00} Transaction Date : XX/XX/XXXX I placed an order with XXXX XXXX, but I never received the items. I attempted to dispute the charge with American Express, but they did not assist me. As I never received the products, I should not be held responsible for this charge, in accordance with their policy. 

Please assist me in obtaining a refund for the items I paid for but never received. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint regarding unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX   X2, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX  XXXX XXXX  ; I do not have any of these financial products and I do not wish to have an account with these companies please delete them they are errors and I never signed any documents.