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

Dear Consumer Financial Protection Bureau, I am writing to formally dispute several unauthorized inquiries on my credit report, which are the result of identity theft. I have attached the following documents to support my claim : A copy of my police report detailing the identity theft incident An Identity Theft Report A front and back copy of my government-issued ID I am requesting the immediate removal of the following fraudulent inquiries from my credit 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 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 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 XXXXXX/XX/XXXX I did not authorize any of these inquiries, and I am requesting their deletion under the Fair Credit Reporting Act ( FCRA ). Additionally, I am requesting a security freeze be placed on my credit report to prevent further fraudulent activity. 15 U.S. Code 1681c-2 Blocking of Information Resulting from Identity Theft Requires credit bureaus to block fraudulent information on your credit report once you provide proof of identity theft, such as a police report.

15 U.S. Code 1681i Procedure in Case of Disputed Accuracy Grants you the right to dispute inaccurate information ( including unauthorized hard inquiries ), and credit bureaus must investigate and correct or remove the errors within 30 days.

15 U.S. Code 1681c-1 Security Freezes Allows you to request a security freeze on your credit report, restricting access to your credit file to prevent further fraud.

15 U.S. Code 1681b Permissible Purposes of Consumer Reports Prohibits companies from obtaining your credit report with
out a valid reason ( like your consent ). Unauthorized inquiries violate this section.

15 U.S. Code 1681g Disclosure to Consumers Ensures you have the right to know whats in your credit file, including a list of companies that have accessed your report. 15 U.S. Code 1681n Civil Liability for Willful Noncompliance If a company knowingly violates your FCRA rights, you can sue for damages, legal fees, and punitive damages.

15 U.S. Code 1681q Obtaining Information Under False Pretenses Makes it illegal for a company to pull your credit report under false pretenses or without your authorization Please confirm the receipt of this request and inform me of any additional information needed to process these disputes. I appreciate your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

These negative Items does not meet the FCA reporting requirements. I do not recognize how and why this is reported. I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer Reports. Delete Immediately! Pursuant to Consumer Law 15u.s.c1681B ( a ) ( 2 ), Reports must be in accordance with Consumer.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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
Product: Debt collection

I have no knowledge of this debt or the creditor. It is reporting as open on to the credit bureaus and is negatively affecting my credit profile.
Product: Credit card

On XX/XX/2023, my Apple Card account through XXXX  XXXX  was restricted and spending was blocked from my account. Over the last XXXX weeks I have talked to representatives from XXXX  XXXX  over XXXX times about what I needed to do to lift the restriction on my account. They will not put me in touch with someone who will resolve the issue on the spot. Instead, they say I have to wait until they review it and wait for one of their representatives to call me. Ive repeated this process several times but XXXX  XXXX  has not called me back or attempted to unrestricted my Apple Card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am filing a formal complaint under 15 USC 1681 and the Fair Credit Reporting Act regarding violations of my rights by consumer reporting agencies. As a natural person with federally protected consumer rights to privacy and confidentiality under 15 USC 1681, I demand the immediate deletion of the following accounts on my credit report, as I did not give permission for them to be furnished : XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX According to 15 U.S.C. 1681 section 602 A, I have the right to privacy. Additionally, section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions, and section 1681c ( a ) ( 5 ) prohibits any consumer report containing certain adverse items of information, including those antedating the report by more than seven years. 

Furthermore, under 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. The consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as I have noticed multiple billing errors that have not been properly reflected on my statements. I demand to see hard proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items listed below should all be updated as agreed on my consumer report : XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX  Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX  Act. # XXXX If these accounts are not updated immediately, I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have an under-developed eye, microphthalmia from the Agent XXXX, and since the age of XXXX I have had to wear a XXXX. The XXXX are very expensive ( XXXX-XXXX ) and they last 5-6 years. I got XXXX when i was XXXX and XXXX when I was XXXX because of how expensive they are. I am XXXX now. Because of the cost of the XXXX and the fact that they are not covered by insurance I have been unable to get XXXX since. In my early XXXX 's it became clear that i needed a new one. I had heard that some insurances were covering the XXXX or part of it. This was the only way that I was going to get a new eye as I could not afford it otherwise. XXXX is one of the only places that can make them. I called XXXX and had a lengthy discussion asking about how much would be covered by insurance and that I could not afford the eye or any procedure until I knew how much I would have to pay. The people at XXXX assured me that they would work out a financial deal with me that was affordable and to just set the appointment. I went to the appointment thinking we would discuss the bill before we did anything but they immediately sent me to the back room and started the procedure of making me an eye. Its a rather painful procedure due to the clay they form against my eye. After they did the procedure I asked them how much this was going to cost and what deal they would work out with me. Thats when the doctor slid an envelope over the table and said it would be XXXX. Obviously I reminded him that I could n't afford that and that it was why we needed to discuss it before making the eye. He told me that i needed to pay for it and then they could see if the insurance would pay some back to me. Totally unacceptable and not at all what I had discussed with them just days before. I refused that option. I never received the eye and then I get a collection on my report for XXXX. I do not owe this money as I never received the eye. On top of all of that I will never go to XXXX again for their deceitful and dishonest practices.
Product: Student loan

1.I re certified income on XX/XX/XXXX 2.I followed all directions on application/submitted extra payment information 3.XXXX stated they needed explanation to state exact income ( I do not have exact income ) 4.I followed the directions from customer service and submitted another letter immediately 5.Customer service then said I needed to create company logo and submit on company logo letterhead. I paid {$99.00} for logo and gave same day 6.Customer service then said letter needs to say " business owner '' and not " sole proprietor '' because it confused them 7. I then received notice my payment was almost {$700.00} even though I am a single mother of 3 and do not make this much XXXX. Customer service stated " sorry, our departments do not talk to each other. please just resubmit '' I did immediately. 
9. XXXX added over {$20000.00} to my loan for interest because the resubmitted application I submitted due to their mistake, is not " late '' 10. XXXX stated there was nothing they can do, so they used income from previous year. 
11. After no less than 20 hours on the phone, XXXX recalculated my income and payment was now {$130.00}. 
12. XXXX stated there was nothing they can do, I have to pay the {$700.00} or add it to my loan balance because " the computers will not let me update from previous month '' 13. I filed complaint. 
14. XXXX LIED and told you I never submitted the application XX/XX/XXXX 15. Complaint filed again. 
16. XXXX made excuse after excuse as to how this was MY fault now and I needed to pay or they would ruin my credit even though my XXXX was less than XXXX. 
Excuses included : 1. income submitted was too old ( less than 2 weeks old at time of application and more than required included ) 2. The initial letter was not typed ( nothing on application states this ) 3. The payments were not on set bi monthly schedule XXXX there is no law that states income payments must be set. I explained I was a contractor and was paid when I received work. ) Application does not state this requirement. 
4. Updated, late application did not have a " wet '' signature. 
( original application turned in XX/XX/XXXX contained a " wet '' signature only changed to typed when XXXX requested it. 
17. I send multiple emails and made multiple calls requested for XXXX to point to the section on the application stating any of the requirements they insisted I violated. I requested they how me what I did not included that was listed on the application as needed. THEY COULD NOT SHOW ME. 
18. At this point, XXXX became hostile and demanded I pay the {$700.00} now, add it to my loan, or they will ruin my credit. 
19. XXXX did take off the $ XXXX they illegally placed on my account, however ruined my almost perfect credit and have now cost me my practice I just opened. I can not obtain the business loan I was seeking due to this fraudulent remark. 
This was done in retaliation for them being made to take of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 alleged fraud or extortion. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile. 

XXXX XXXX XXXX # XXXX In accordance with the The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and business addresses of each individual with which you verified above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Debt collection

I paid the debt and the debt collector would not provide the paid documents. demanded money for attorneys fees and court fees.
Product: Credit reporting

Apparently I signed up for a 1 week trial when I viewed my credit report in XXXX. I apparently forgot to cancel the service. Some 3 months later, Experian wants to charge me for the service even though I did not use it and signed up for it 3 months ago. The representative refused to refund the charge when it is apparent I have never used the service.
Product: Mortgage

Bank of America had easily offered to defer 3 months of my mortgage payment ( XXXX, XXXX and XXXX - each month for {$1900.00} ). This was all an easy transition, adding 3 monthly payments to the existing loan, due to COVID pandemic. Starting XXXX payments continued to be made on a regular basis. XX/XX/XXXX we initiated a refinance on the property, and the payoff amount was requested. The payoff amount in a letter dated XXXX XXXX, XXXX, now also included an additional {$7800.00} in interest deferral, escrow deferral and other deferred amount. The latter " other deferred amount '' could not be explained, nor can I find what that may be. I'd like to ask for further clarification as to why my total deferral amount, with interest and escrow included, is {$5900.00}. Yet the amount now includes also {$2000.00} additional. 
I have tried to obtain clarification, but am not able to get any clear explanation what is included. I am hoping that by this means, accurate information can be provided. Thank you!
Product: Credit reporting or other personal consumer reports

I have hard inquiries that I do not recognize. 
I would like them to be removed, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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, credit repair services, or other personal consumer reports

Under 15 US 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 insturuction of the consumer to whom it relates. I, the natural consumer, XXXX XXXX have not given Equifax, the Consumer reporting agencies any written consent to report any certain information on my consumer report. No consent is identity theft. Pertaining to the following accounts, I wish to have the following information removed from my consumer report at my consent. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

i have inaccurate and unauthorized credit application on my XXXX report : 1- XXXX on XXXX XXXX-XXXX  2- XXXX  onXX/XX/XXXX 3- XXXX  on XXXX XXXX-XXXX 4- XXXX on XXXXXX/XX/XXXX as well as on my experian report : 1- XXXX  on XXXX XXXX-XXXX 2- XXXX on XXXX   06-2019 3- XXXX on XXXX XXXX  4- XXXX XXXX XXXXXXXXXX/XX/XXXX 5- XXXX XXXX XXXX XXXX XXXX 6- XX/XX/XXXX i worked out with XXXX and i informed with the inaccurate inquiries i fixed my XXXX report,
Product: Debt collection

Collins Asset Group is acting on behalf of XXXX XXXX XXXX stating that I owe {$12000.00} and that an attorney has been retained to collect from me. It was reported that I have no responded to any requests for debt collection and that my wages will be garnished. I currently live in XXXX XXXX and am in the military. 
Ive never been contacted by any of these people for any reason prior to it being on my credit report. Ive contacted them numerous times to have proof provided of this debt and all numbers written on the consumer credit page just give a busy signal and all written correspondence has been returned to sender. 
These inaccuracies and derogatory remarks are false and harming my credit and potentially my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent charges were found on my Kohl 's credit card in late XX/XX/XXXX. Kohl 's initiated an investigation into the fraudulent charges, and during period of the investigation late charges were accrued in XX/XX/XXXX-XX/XX/XXXX. Also during the period of the investigation, Kohls customer service rep advised me not to make payments of any sort. Kohl 's investigation ruled that these charges were indeed fraudulent ( see attached letters ). Kohl 's refunded the fraudulent charge and late charges and stated they would contact the credit bureaus to correct the late charges that significantly impacted my credit score. I expressed to Kohls customer service reps the urgency they have my credit score corrected since I am closing on the purchase of a house in early XX/XX/XXXX, and this impact to my credit score is preventing me from obtaining a low interest rate. After ~2 months of contacting multiple Kohl 's reps and supervisors, and them assuring me that this would be corrected with the credit bureaus, this has not been done as of today ( XX/XX/XXXX ).  I have contacted both XXXX and XXXX minutes prior to writing this complaint, and both credit bureaus confirmed that Kohls has NOT reported correcting the late fees. Kohl 's has failed to contact XXXX and XXXX to report they have corrected the charges so that my credit score can be corrected in this urgent time. Kohl 's has repeatedly demonstrated extremely poor customer service, and by not reporting to the credit bureau 's are refusing to take ownership of their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

they given oout my information without my permission i want them fine and a lawsuit aganist them asap
Product: Debt collection

In XXXX I moved out of an apartment because I thought I was being evicted. Due to XXXX XXXX there was a portion of unpaid rent. That was {$7000.00}. XXXX years later I was contacted by a collection agency. I thought the apartment landlord dismissed the debt because they kept the security deposit. In XXXX I was contacted by the collection company and then harassed. The collection company calls and sends letters repeatedly to me and my elderly parents. They also threaten to destroy our credit. They tell us we cant call the landlord and they are not a collection company.
Product: Checking or savings account

My name is XXXX XXXX please also add this to my complaint XXXX CFPB XX/XX/XXXX {$150.00} Withdrawal Claim number XXXX Status : Closed For more information XX/XX/XXXX {$150.00} Withdrawal Claim number XXXX Status : Closed For more information XX/XX/XXXX {$100.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX CARD XXXX Claim number XXXX Status : Thank you for your patience. After careful review, your claim has been declined. 
I need the two withdrawal to be reopen or appeal or reinvestigated or investigate again or make into a new dispute because for both I have withdraw {$50.00} for both of them not {$150.00}. And for the {$100.00} XXXX I need it to be investigative again or appeal or reopen or make a new dispute for it ir reinvestigated again because I didnt get my service I was scammed and blocked on social media by the scammer and I contact XXXX but they denied my claim because it was family and friends XXXXXXXX payment I sent them not using the service and goods with the purchase protection they told me they cant reopen the dispute or change the dispute type I didnt send it with services and goods with purchases protection and they told me to dispute it with my bank please contact me at XXXX and contact me at XXXX my online bank username is XXXX
Product: Money transfer, virtual currency, or money service

Our work email was hacked. The hacker used an email address almost identical to our advertising vendor ( l instead of i in the word marketing / marketlng ) and pretended to be our advertising vendor. They emailed me a copy of our monthly invoice and informed us the quickbooks link wasnt working and could we please make an ACH transfer. I told them we didnt have that set up so they asked if we could make a bank transfer. They sent communication with the bank details. All the email communication used company logo and had company information. We have discovered that the fake domain was hosted by a company called XXXX XXXX. I made the transfer thinking I was paying our vendor. They are falsely pretending to be from our marketing company XXXX XXXX XXXX XXXX XXXX The Subject ( XXXX ) Who Victimized You Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX  Email Address : XXXX Fraudelent Account number : XXXX Routing number : XXXX Account type : Checking Bank name : XXXX XXXX XXXXXXXX on account : XXXX XXXX / XXXX XXXX XXXX
Product: Debt collection

EVERY MORNING, UPON SEEING THESE FRAUDULENT BANKRUPTCY RECORD IT MAKE ME STRESS. I WANT THESE TO BE TAKEN OF FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent collection and fraudulent inquiries