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

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX DATE : XX/XX/XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, aXer any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an any items of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvesIgaIon ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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  - The personal information is incorrect - please remove this from my credit report immediately! 
Phone Numbers : XXXX, XXXX, XXXX, please remove this from my credit report immediately Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately InquirieXXXX 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  This inquiry was not authorized, please remove it from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 around XXXX  I called Equifax twice to stop receiving unwanted promotional emails, which I started receiving after I had to unfreeze my account to get approval for a car loan. There was no unsubscribe link. I emailed customer care at bottom of email and received a generic response. The 1st call gave me a recording that wanted me to enter my entire SSN! I hung up. I am suing them from the data breach and did not want to give this info due to security. I called to get an actual person and spoke to a woman who wanted me to give my Name, Address, DOB, SSN just to access my credit file supposedly to see which emails I was receiving. I said no. Asked for manager. Manager XXXX then proceeded to tell me he needed the information as well in order to stop the emails. I said I was willing to email him from the email address to confirm I was the owner of the email address to be told that is not how they do things. I was given no resolution and only when asked did I receive a physical address for XXXX, GA XXXX XXXX XXXX XXXX zip XXXX is to send a complaint. I have not tried this. I also do not trust the company after the phone call and data breach to do anything about it. I also question whether this company has learned anything after the data breach as it appears not. It shouldnt require all that info just to stop unwanted emails. 
Sincerely, XXXX XXXX, XXXX, XXXX XXXX supervisor XXXX
Product: Credit reporting or other personal consumer reports

i did not authorize these inquiries on my report and i would like these fraudulent accounts to be deleted As Soon As Possible
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XX/XX/2024 - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 I did not authorize these inquiries, and I believe they have been made in error or without my knowledge. 
In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation
Product: Debt collection

Hi i mailed a certified letter asking XXXX XXXX XXXX  to validate the allege debt they say i owe ON XX/XX/2019. I disputed the account with the credit Bureaus Trans Union, XXXX and XXXX  prior to writing XXXX  XXXX asking them to ensure that this account was reporting 100 % accurate and they verified it was accurate .How is this possible when the account number that the credit bureau is reporting different from what the original creditor is furnishing in the letter mailed to me. So how can this account be accurately reporting and why XXXX XXXX XXXX  didnt comply with the validation request for the said debt they say i owe. The creditor bureaus and XXXX  XXXX XXXX  is refusing to re-investigate my dispute for the allege debt. The are affecting my credit worthiness by reporting inaccurate information. They have not sent me the proof that i requested from them. so i am asking that this account be deleted from my credit report with all 3 credit bureaus Trans Union, XXXX  and XXXX. I also ask that XXXX  XXXX to stop debt collection practices because they couldn't validate the debt they say I owe. 


Thanks.
Product: Credit reporting or other personal consumer reports

Hi Equifax, i just see my credit report and found a fraud car loan opened on my name without my knowledge. I have been in the XXXX XXXX  and people stole my identity to commit fraud. This fraud car loan was not authorized or not sign by me and shall delete from my credit report.
Product: Money transfer, virtual currency, or money service

I'm a client banking with chase and have been recently involved in bank/check fraud. This was my first time working with this new customer and as a first time transaction I require payments upfront, and then ship the product to them. 
The customer submitted a fraudulent check via Chase Bank located in XXXX XXXX XXXX XXXX XXXX, IL XXXX in the sum of {$12000.00} with a XXXX  XXXX XXXX check, address located on XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX. I had called Chase Customer Service on XX/XX/2021 at XXXX XXXX  PST to be reassured that once a check clears into my account the funds can not be retracted which is very misleading, because of a false sense of reassurance I shipped the goods to the consumer. I am also requesting a copy of this recorded call as it shows how I was mislead through Chase 's Customer Service Team. The next day on XX/XX/2021 I check and see that the amount of {$12000.00} has been retracted out of my account because it was a Altered/Fictitious check. I called my local Chase Branch and they had informed me that a check can be retracted in the time frame of up to 3 years, which is the complete opposite of what I was told with Customer Service.
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX , CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX/2023
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 a currency transfer of {$50000.00} was sent by XXXX of XXXX. XXXX to Citibank. New York These funds were acknowledged as arriving on XXXX XX/XX/2020. Please see part of the Transfer Confirmation attached. 'Transfer Confirmation - Funded XX/XX/2020 - Transfer number # XXXX - Limited sender details XXXX XXXX XXXX XXXX XXXX XXXX Transfer overview Amount paid by XXXX XXXX XXXX {$50000.00} USD and ultimately sent via Citibank to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Citibank transfer details as follows : - Routing No. - XXXX. - Bank account number - XXXX. Checking Address - XXXX XXXX XXXX. - New York, XXXX, United States The official document is attached. Having checked with XXXX  they advised the following : - after checking the details of the transfer as sent to CitiBank on XXXX XX/XX/2020, I checked your transfer number XXXX for the amount XXXX USD and I can confirm that this transfer is complete from our side as the money was sent to the recipient details that you provided. However, after double checking the recipient details, I found some differences in the account number and the account holder 's name that were provided while making the transfer. However under normal protocol, if there are mistakes with the details of the intended account, then the funds should be returned to the sender - XXXX. My complaint is that the money was not returned and after 17 days the money is still being held by citibank but they are denying having the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian in regards to this XXXX XXXX Account, they are reporting inaccurate account pay history information reporting I am late, I spoke with XXXX at XXXX XXXX XXXX  and assured me it was not their error but XXXX XXXX XXXX, I forwarded a correspondence to Experian over 30 days ago and have not received a response.
Product: Credit card

I have been going back and forth with Citibank and they finally said that the charges were all fraud. However they could not tell me if they would drop all of the interest and late fees on the charges that were dropped. The I got a note from my bank that I ONCE AGAIN HAD A LATE FEE ON MY CREDIT REPORT! They now have come up with a new charge that they can not tell me which one it is. Supposedly it is XXXX. So they will not drop the extra charges that amount to XXXX. I am sick to death of being called a liar. I did not do any of these charges. To the tune of XXXX But this XXXX charge they will not dsimiss. Why? And they can't tell me which one it is. I am frustrated beyond belief. I would gladly pay the XXXX just to get them off my back but they will then come up with another charge. I really don't know where to turn. I have paid all of my bills for years in full and on time. Why would I start now to not do that. I had an 800+ credit score that is now down to XXXX. Tell me how this right and fair.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account 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. I've proactively remembered this report for 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, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$21.00} XXXX  XXXX XXXX Balance Owed : {$65.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance Owed : {$740.00} XXXX  XXXX  XXXX Balance Owed : {$90.00} XXXX  XXXX  XXXX Balance Owed : {$9.00XXXX XXXX XXXX XXXX Balance Owed : {$450.00} XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX.
Product: Debt collection

On XX/XX/2022, at about XXXX, I was robbed by armed robbers who went away with my vehicle and other valuables including my wallet which contained my drivers license and other bank cards. The XXXX  police was notified and the case number is XXXX. Apparently, my ID card has been used to create and loan goods from XXXX XXXX at several locations. Media collections, Inc. XXXX Joseph , Mann & Creed which is a collections company contacted me with 3 different bills as follows : account number XXXX charged {$3900.00} Account number : XXXX charged XXXX Account number : XXXX charged {$4000.00} I did not make any of these purchases and I do not know if many other accounts have been charged claiming to be me.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS REPORTING INACCURATE INFORMATION THAT IS NOT SUPPOSE TO BE ON MY CREDIT REPORT SUCH AS OLD ADDRESSES, PHONE NUMBERS AS WELL AS INQURIES. THEY HAVE NO RIGHT TO FURNISH THIS INCORRECT INFORMATION ON MY REPORT WITHOUT MY PERMISSION. NO ACTION WAS TAKING BY THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX and LVNV Funding. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I have already contacted several of the companies. There are repeated inquiries on my report for the same day, same week, and same month. I have over 80 inquiries. I did not authorize the inquiries on my report. I have placed a fraud alert on my reports to stop this from moving forward. Apparently someone is trying to get credit in various ways using my name. 

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

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 1. XXXX  account : XXXX 2. XXXX XXXX XXXX account : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES ON MY ACCOUNT ; IT GIVES ME HEADACHE. REMOVE AND BLOCK THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX XXXX XXXX XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Product: Credit card

On XX/XX/XXXX I notified Barclaycard that there were charges on my account that I did not make. Those were removed and the card was closed. I did not receive a new card until XX/XX/XXXX. On XX/XX/XXXX, XXXX charges of {$350.00} were made to my account for a total of {$710.00}. This makes no sense to me. How did Barclaycard approve a charge on a closed credit card? I suspect that there is internal fraud taking place at Barclaycard. After repeated attempts, I finally was able to speak to someone from their fraud department. I was told that they will not reverse the charges until they complete their investigation. That makes no sense. How can they leave charges on my account when the card used was cancelled? It really stinks of fraud within Barclaycard. Also, since it was their mistake, the charges should be removed immediately. HELP! PLEASE!
Product: Credit reporting or other personal consumer reports

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX
Product: Debt collection

XXXX is still being reported on all 3 credit files already and per they request would remove off my credit file still is showing I want removed
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, Experian data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts US BKPT CT XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX | XX/XX/year>, XXXX : Account number : XXXX, XXXX XXXX XXXX XXXXXX/XX/year>, XXXX  XXXX XXXX Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, and XXXX XXXX XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

We have used the CITI credit card now for over a year and we take issue with their billing practices. It seems to be the business strategy to encourage the use of the card, and then to apply interest charges, before the payment due date, purposely throwing the balance over the agreed limit. By being able to show an excessive balance, they create a justification to raise interest rates to 30 %. 

We have always paid more than the minimum amount due, and except for one instance, where we were two days late, payments have been on time. Thus it was to our surprise to find that CITI had approximately doubled the interest rate on the outstanding due with the card. It is not just a question of fairness, but a fraudulent strategy by CITI to legitimize the imposition of additional interest and service fees.

If CITI is willing to take away these false charges, reduce the interest rate to what it was before, we will resume making payments. 

Notes : 1 ) Spoke with CITI consumer services in XXXX. They said that if I paid all interest and fees to date, they would discuss lowering the interest rate. 
2 ) Interest Rate 12/2017 16.49 % - Interest Rate 9/2018 29.99 %
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear NATLCRSYS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft fraud laws.

It has unequivocally come to my attention that NATLCRSYS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouris identity theft statutes underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for NATLCRSYS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that NATLCRSYS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that NATLCRSYS will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX RE : Afni, Inc ( Debt Collector ) Account # XXXX I received letter from AFNI requesting collection of debt that is not mine. Further, they placed the collection on my credit report with XXXX. I wrote a validation letter, and they did not respond with proof of the debt.
Product: Mortgage

When I received the pay off it was XXXX that same month my morgage was transred to XXXX XXXX with a deferred balance of XXXX add to my morgage. My year XXXX XXXX 1098 morgage statement was XXXX XXXX statement for XX/XX/XXXX was XXXX XXXX statement for XX/XX/XXXX was XXXX.