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

I went to XXXX Cybersecurity website on XX/XX/XXXX see if my credit report was impacted and it was according to XXXX Waited until XX/XX/XXXX to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XX/XX/XXXX called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know  anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have 32 great open accounts with 100 % payments and over 100 credit inquiries from same companies In short time spans. I disputed these inquiries in XX/XX/XXXX confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Prime Acceptance Corporation. I requested a validation on XX/XX/2018 and again on XX/XX/2018 as I had not received any correspondence from creditor to validate this delinquent account as factual. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and has not been updated to reflect my dispute of this account. I do not believe that this account nor the amount stated as owed is factual and this account continues to negatively affect me.
Product: Money transfer, virtual currency, or money service

I have two target red cards, a debit card & a credit card. At this time I always just used my debit target red, because it come straight out of my bank account and I still receive the 5 % off all purchases. I purchased a {$7.00} sweatshirt with the target app. And Im not sure if there was an update to the app that switch it over to my credit red card, but the purchase went to the credit red card instead of the debit red card. I hadnt used my credit target red card in forever, so I to my knowledge I had no balance on the credit card. So 4 months later I checked my FICO score on my XXXX app and my credit score dropped from an XXXX to the low 600s. I paid the {$7.00} + {$3.00} in late fees to target, but I cant get this mistake off my report. And Ive been trying to get my credit score back, but after 2 and half, 3 years My score is XXXX. Im so frustrated bc I definitely had {$7.00}, but I had no idea it was on the credit target red card. Please help me.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 approximately XXXX, spoke with Equifax customer service agent XXXX XXXX requesting dispute of data verification. He transferred my call to XXXX XXXX ( spelling? ) I requested written verification of disputed of inaccurate information on my Equifax credit report. She refused my request and told ME to verify the information and SEND EQUIFAX A COPY. I asked several times to send data furnisher information and my request for verbal and written data furnisher information was denied. Equifax customer service agent, XXXX XXXX, was hostile and ended the phone conversation abruptly. 

Equifax violated my consumer rights verbally and violated my FCRA consumer rights. A violation claim will be submitted.
Product: Credit reporting or other personal consumer reports

XXXX came to my house and showed me the water test when I considered getting a water system. Upon the completion of the water test, i informed the dealer that I have no plans of getting their water system and even filed a complaint with all XXXX companies that they do business with. I never needed financing for the water system that XXXX sells and at no time authorize XXXX to send my information to a different company requesting finance options. I told the dealer prior to leaving my house, that I was NOT interested in the water system their company provides. Now a year later, I reviewed my credit report and Preferred Credit , Inc. placed an inquiry on my credit report which is in violation of the Fair Credit Reporting. At no time did I give this company authorization to place an inquiry on my credit report or view my credit report. I have attempted to request any documentation or record that the company claims to have proving authorization to place an inquiry or view my credit report and was not provided any. Instead I was provided a one page document that the company drafted that states what they believed happen in reference to the inquiry being placed. NO PROOF of authorization was provided. 

I submitted ( XXXX time ) another complaint requesting the document with my signature showing that I authorized Preferred Credit , Inc to inquire and review my credit. The document was not provided, instead they provided a screenshot of my basic information manually inputted into their system. Nothing was provided with my signature on it.

I also called Preferred Credit , Inc. to discuss my concerns about them fraudulently obtaining my information and submitting a credit inquiry. The representative explained that the information was partially submitted by the dealer and no document with my signature was ever receive. The representative put me on hold and requested authorization from manager, the manager approved the representative request. The representative stated that the account would be completely closed and for me to dispute the inquiry with the bureau ( Its only reporting on one bureau, not any others ) and it will be removed. She stated that if I have further issue to call the company back. Now receiving this as a response, demonstrates the lack of communication between departments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for reporting fraudulent information on my credit report. I am a XX/XX/XXXX, likely due to the XXXX and XXXX data breaches. Despite providing TransUnion with the necessary documentation under 15 U.S.C. 1681c-2 ( a ), they have not blocked the fraudulent accounts as required by law. 

This inaction has caused financial harm, including denied credit and increased interest rates XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$6400.00}XX/XX/XXXX XX/XX/XXXX Balance - {$0.00} XXXX XXXX Balance - {$2500.00} XX/XX/XXXXInquiry Date - XXXX/XXXX/24 XX/XX/XXXXInquiry Date - XX/XX/year>24 XX/XX/XXXX Inquiry Date - XXXX/XXXX/24 XXXX Inquiry Date - XXXX/XXXX/24
Product: Mortgage

In mid-XX/XX/XXXX of last year, XX/XX/2016, I took a cash-out refinance with XXXX. The title company was XXXX. The closing disclosure contained a 'clerical error ' that was caught hours before the loan was to close and long after the signed and notarized documents were received by the Title and Lender. Having been informed at the last minute of this {$1000.00} error, not in my favor, I was forced to sign a revised CD. Now, it turns out that my previous lender, Ditech, did not receive the full payoff amount from the title company. Unbeknownst to me until I pulled my credit report last week, ditech has been reporting me to the credit agencies and levying late fees etc ... I have called and left VM 's and emails, but Ditech is not responding. I need to know how short the payoff amount was and why this happened. I especially need to know where Ditech has been sending my bills and other correspondence. I will ultimately request that they waive any late fees, interest, etc ... that have accrued since the 'payoff ' and that they immediately communicate with the credit agencies to get these negative reports removed. Please contact Ditech and any of the other listed parties that held a fiduciary duty to me as the consumer through that refinance. 

Thank You! 

XXXX
Product: Debt collection

Sent dispute letter out and came back saying its verified but the debt was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX 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/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXXXXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Product: Student loan

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : Dates : XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX bank XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these companies to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my Consumer reports and Experian and XXXX are reporting unauthorized collection accounts on my credit reports without my consent which is Identity theft. Im getting denied for loans and credit because of these unauthorized collection accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not authorize this inquiry, and I request that it be deleted immediately. Please send me written confirmation and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft as a result of the identity theft there were several fraudulent inquires on my Equifax Credit Report. I contacted the the business that had placed the inquires on my Equifax Credit report & was instructed to file a police report & notify all Credit Reporting Agencies that I was a victim of Identity Theft. 

After filing a Police report I sent a Dispute Letter & a copy of the Police Report to Equifax. My Dispute requested that all Fraudulent Inquires be removed. Each Fraudulent Inquiry was individually listed on the Police Report as well as the dispute. 

Equifax failed to conduct a proper investigation. On XXXX XXXX Equifax sent a response to my dispute claiming that all inquires are factual data. 

Fraudulent activity isn't permissible & should not included in My Credit Report as XXXX XXXX.
Product: Credit card or prepaid card

I have evidence to support my dispute and the credit card company refuses to supply me their mailing address so they can reconsider my disputed charges. This is a viloation of my due process rights to obtain a fair resolution. This credit card company is also using an automated dispute filter which is flawed and I urge the CFPB to investigate their use of automation to handle dispute resolutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained the debt of an apartment as a result of XXXX. On XXXX it gave the option to dispute any debt that was a result from COVID-19 Pandemic natural disaster. When I disputed the collection with Procollect, they stated that the collection agency stated that the debt was not a result of the pandemic. Which is a lie. Also I reached out to Procollect and asked them to provide me with the details of the debt. XXXX XXXX collection manager who's phone number is XXXX failed to provide me with validation of the balance. I believe the balance they are reporting is incorrect as well.
Product: Credit reporting or other personal consumer reports

I have several inaccurate payment statuses between my three credit reports which to my knowledge USC 1681e ( b ) and 15 USC 1681i ( 5 ) which state that all information on my credit report must be 100 % accurate across all three credit reporting agencies otherwise the account must be updated to reflect as accurate or removed from my report, and by law, I would like to have several accounts removed. 

My transunion, XXXX and experian do not reflect the same credit, my singular name and accurate payment dates. I have serval accounts that have changed or back dated payment date statuses from unknown to current to charged off. 

I also received several notifications about my information being compromised during the data breach and Im getting a lot of spam mail, text messages and calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XX/XX/year> Discover Bank- XXXX XXXX XXXX, XXXX XXXX DE XXXX opened account XX/XX/year> XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX opened account XX/XX/year> XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX opened account XX/XX/XXXX XXXX Request for Deletion of Inaccurate or Unverifiable Information under 15 U.S.C. 1681 I am writing to formally dispute the accuracy and validity of certain items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit file. Unauthorized Access and Request for Immediate Deletion under 15 U.S.C. 1681b. I am writing to bring to your attention a violation of my rights under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ) .Upon review of my credit report, I have identified debts and credit inquiries that were made without my knowledge, consent, or a valid permissible purpose as defined under the FCRA XXXX These unauthorized inquiries are a direct violation of my consumer privacy rights and constitute an abuse of access to my personal financial information. these inquiries or entries were made with my authorization and for a permissible purpose as defined under the law. I request their immediate deletion from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all credit bureaus some have the wrong contact information number, this account is reporting on my credit with no credit history I have a XXXX credit report to prove this case. 

Also its charged off and still reporting a {$1400.00} balance this account is not mine Ive tried multiple time explaining this collection agency send a copy of a fraudulent signature they claim is mine and 2 otter people Please remove this based on inaccurate reporting to each credit bureaus. 

Also the Original Creditor has NO NAME this is not 100 % accurate reporting.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

1. On XXXX/XXXX/2016 - I received a security alert from Bank of America ( XXXX ) that my banking password had been reset. I did not ask for a password reset. I immediately tried to log into my account and was unable to do. I finally got in touch with BA fraud unit. I was told they could not help me that I would need to go into a bank and identify myself. The bank was closed on XXXX/XXXX/2016 for XXXX XXXX. 
2. I went into the bank on XXXX/XXXX/2016. Showed my ID and my debit card ( which they kept ). I was told I needed to close that account and open another one. They were able to show me all of the fraudulent transactions that the predator had made. See attachment " A ''. Another account was opened for me, a temporary debit card was issued and I was given the routing number and checking account number to give to my creditors to set up automatic draft for my bills as I have used with this bank for the last 25 years. I did so. 
3. On Thursday XXXX/XXXX/2016 - nine days later, I received a call at my home from BA Fraud Unit, after a series of questions I said to the person, these questions sound as if I am being indicted for what happened to my account. I was told, " there is no way a person could have gotten into your account unless you gave them your pin number. '' I said to the person over and over " I have never given anyone my pin number. '' The person again repeated the indictment. She told me I would have to go in and open another account. I told her I had done so already and the bank had sent me a new debit card. She put me on hold for a while, when she came back she repeated her indictment and also told me, " You will never be able to open an account with Bank America again. '' I told her I did I did not want to, I just wanted my money they allowed someone to take from my account. I was told it was not likely that I would receive that money. After hanging up I went to take the funds from the new account to discover that Bank America had closed the new account as well. 
4. On XXXX/XXXX/2016 - I received a letter stating Bank of America may report my account to the following reporting agencies : XXXX. XXXX XXXX XXXX XXXX XXXX or both. They further stated : " This may affect your ability to open an account at another financial institution for up to seven years. Why does Bank America want to punish me a customer for them opening up another account in my name. Is this not a felony? 
5. Although I have contacted all of my creditors, I had automatic drafts to bounce and had to find money to pay all creditors. The check that goes to Bank of America is an annuity check from my late husband. Because of this happening after the posting date, I will not receive a check until XXXX or XXXX. My bills still have to be paid.
Product: Credit card or prepaid card

Capital One closed my account without warning. I had {$0.00} balance and had not used that card in 2 years but received no warning that it would be closed. Closing it lowered my available credit and decreased my average credit account age, which will result in a lower credit score. When I called to ask them to reconsider I was told that it was a corporate decision and there was no one at Capital One that could reverse it and that I could not speak with a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3500.00}, XXXX XXXX XXXX Balance Owed : {$870.00}