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

I sent a letter to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The folowing items must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX. XXXX Complete XXXX told us my vehicle needed a XXXX XXXX on the XXXX to fix the problem I was having with my vehicle. We paid for a complete diagnostic. They did not mention anything about XXXXXXXX XXXX at that time. We decided to allow them to complete the work on the XXXX XXXX because of what they stated their results of the diagnostic report. On XX/XX/year>, XXXX Complete XXXX contacted us to say my vehicle was ready for pick up. After I paid {$2300.00}, They gave me the key and I drove my vehicle off the lot. When I reached the Stop sign the vehicle started to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called my XXXX ( XXXX XXXX ) from the vehicle and explained what I was experiencing. I drove my vehicle home to my husband ( XXXX XXXX ). I was Completely and utterly Furious. We then took my vehicle back to XXXX Complete XXXX. I stayed outside and my husband ( XXXX ) went inside to speak to them. Two weeks later, they called to say the vehicle had been fixed correctly this time. They also stated that the work they have done carried a years warranty on parts. On the bottom of the invoice, I paid the XXXX XXXX states they have a Warranty on parts and labor for 12 months or 12,000 miles whichever comes first. 

On XXXX XXXX I set out to drive to see my grandchildren. My vehicle ended up stopping at XXXX XXXX XXXX at XXXX. I had to contact insurance and it was a nightmare. I was on the side of the road for at least an hour before the tow truck came. I had to end up being taken to the XXXX XXXX XXXX for the night because there was no other place to take my vehicle. The next morning after going through 3 additional tow truck drivers, my vehicle ended up at XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX After speaking with XXXX at XXXX XXXX XXXX XXXX, He stated that there was NO WAY possible XXXX Complete XXXXXXXX did not know my vehicle did not need a brand-new XXXX. XXXX XXXX XXXX just put a bandage on an already XXXX XXXX  in hopes it would work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please verified and update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$56.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an active military XXXX, while Ive been out the country since XXXX, my personal information was compromised and someone has been using my identity to obtain a car loan, and medical service, my military benefits and credit cards, I provided supporting documentation to the credit reporting agencies along with my correspondence challenging the accounts I have listed below. 

XXXX. XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX XXXX XXXX not authorize these inquires XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX  XX/XX/XXXX {$2300.00} Hard Inquiries Credco XX/XX/XXXX N/A
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status The account was charged off. {$190.00} written off. {$110.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX {$110.00} I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 30 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

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

I hope this message finds you well. I am writing in regards to the recent investigation conducted on my credit report, which indicated that the information in question was found to be accurate. I understand the importance of maintaining accurate credit reporting, and I appreciate XXXX 's efforts in ensuring the integrity of credit information. 

However, after a thorough review of my credit report, I have identified an item that I believe to be inaccurate. The [ specific item, such as a late payment, incorrect account status, or account that doesn't belong to me ] listed on my report is not reflective of my financial history. 
Account name XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account XXXX XXXX  Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX Account name XXXX Account number XXXX In light of this discovery, I kindly request that you review the information once more and consider reevaluating its accuracy. It is essential for my financial well-being that my credit report accurately reflects my creditworthiness. 

If possible, I would appreciate the opportunity to provide any supporting documentation or details that can help clarify this matter. Please let me know the appropriate steps to take in order to rectify this situation. 

Thank you for your attention to this matter. I look forward to working together to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car at CarMax I was told that I needed XXXX down was gon na put XXXX  down on the renegade. I was approved at this time it was make the money to buy the car I had made the money and paid rent for a family member I then was short, no money no big deal ill work extra and make the money back. They ran my credit over 5 different times I wanted the renegade and they destroyed my credit payments every month on time and no problems I was focused on building my credit and yes the car would have finished raising my credit these were unauthorized runs against my credit. I ask them to fix it they said it was identity theft and transferred me to a number and I now have left a message my credit dropped XXXX XXXX after I have worked so hard and was trying to help another not to loose their credit with their housing I have not once but over and over been putting up with this kind of business on my phone and others violating my life I am asking you please help me get this off my report and back to the score I had before trying to better my life somemore.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally request an update to my personal information on my credit report. The current report contains incorrect or outdated information that needs to be corrected.
Product: Debt collection

I checked my XXXX credit report and noticed a collection that wasn't mine.
Product: Mortgage

While trying to refinance a property I was told several times that I didnt understand the process because I was a XXXX  including comments that state because I am a XXXX  I couldnt have a post office box and not receive mail at my house.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I was seen by a provider at XXXX XXXX. Upon receipt of a bill later that year, I noticed a discrepancy on my bill for XX/XX/XXXX that resulted in an excess charge of {$5.00}. I made the provider 's office aware of the discrepancy, which they indicated would be corrected and that I would receive the corrected bill at a later date. I subsequently received a notice from XXXX XXXX that this amount had been corrected on their end and that the forthcoming bill from XXXX XXXX should indicate the correct total amount due. The initial amounts for these three bills were {$170.00}, {$25.00}, and {$18.00}, respectively, with the second bill corrected to {$20.00}. The total amount for these three bills was {$220.00}, which was paid to XXXX XXXX on XX/XX/XXXX. However, concurrently, I had received several errant bills showing the incorrect amount due of {$230.00}, which I disputed with XXXX 's billing department, indicating that a correction was submitted and that it would be paid upon its conclusion. Nevertheless, XXXX initiated collections activities on my account and forwarded my account to Credit Control Corporation. However, payment was made to XXXX XXXX prior to the notification of collection activity from Credit Control Corporation, which resulted in the payment being sent to CCC for processing, rather than being handled at XXXX. I was subsequently charged collections processing fees ( ~ {$75.00} ) and my payment was misapplied to a previous " bill '' on my account that did not belong to me, which was dated XXXX. I have since made contact with both XXXX XXXX and Credit Control Corporation to resolve the issue, without success. Both parties indicate the other is responsible for the error but neither is willing or " able '' to resolve it.
Product: Credit reporting

Equifax is reporting a debt as having a balance of {$1500.00}. This account was paid in full as of XXXX XXXX, 2016.
Product: Debt collection

i paid 3 account off from self and they sent me a email stating that it was paid off and it is listed on my credit as paid off but i dont think that it is fair at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ; XXXX  account # XXXX has violated my rights. 
affirm account # XXXX has violated my rights affirm account # XXXX has violated my rights affirm account XXXX XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights XXXXXXXX XXXX account # 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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX Bankruptcy XXXX XXXX  Date Filed : XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX A on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Consumer Date of Birth : XX/XX/1974, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The TransUnion 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 a Collection Account Name : XXXX XXXX XXXXt Number : XXXX XXXX Account at XXXX XXXX XXXX the account number XXXX Credit Card with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number : XXXX A credit card with XXXX  XXXX under the account number : XXXX Installment loan with XXXX XXXX XXXX under the account number : XXXX Installment account XXXX XXXX under the Account Number XXXX XXXX Credit account with XXXX under the Account Number : XXXX Credit Card with XXXX  XXXX under the Account Number : XXXX An auto loan with XXXX XXXX under the Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX under the account Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 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 # ( private case number ) 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: Checking or savings account

On XX/XX/XXXX of 2022, I deposited XXXX to affirms savings account. Since the first of XXXX, they have frozen my account. It has been half a month, after multiple calls ( around 5-10 ) i keep getting told to wait " 3-5 business days '' I never got a response. I verified my identity and complied with ALL their requests prior to the deposit. The representative I had spoken go on XX/XX/XXXX of 2022 stated that no one from the escalation department has looked into my issue. They are holding my money hostage and I can't do anything about it. I need help as a graduate nurse who has bills to pay I am now in a position that I can not do anything.
Product: Checking or savings account

It was in Capital One checking 360. They was XXXX bucks in the account that I did an was not the one to withdraw it so I am ask it to be replaced an me pay back for that money that was in my name an check account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company and told them I need copies of all disputes letters because none of the bureaus are responding to any of the disputes letters. Come to find out letters were never sent. I have paid {$220.00} per month for 6 months and didnt get the service I paid for. No proof of letters sent or responses from the bureaus. I believe this was all a scam because I know if things were being done I would receive feedback. I tried calling her emailing her and all I get is an excuse but no proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

WELLSFARGODEALERSVCS ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX ( Auto ) XX/XX/2022 WELLSFARGODEALERSVCS XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.