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

I am writing to dispute several hard inquiries that appear on my credit report, which I did not authorize. These unauthorized inquiries are negatively affecting my credit score and hindering my ability to obtain a mortgage and other forms of credit. I have already sent letters to the creditors listed below to dispute these inquiries, along with a copy of my ID and SSN to verify my identity, but I have not received any responses. All so XXXX is attached to this Complaint. 

Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax. Also delete these names off my credit they are not me and not associated with me. My only name is on my ID ( see attached document below ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Address that's not mines please deleted listed below. only real address that is mine is the XXXX on my ID ( see attached file ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

While checking my credit report for accuracy ; I noticed a few accounts that aren't mine, and I did not give anyone authorization to open these accounts using my personal information. I also noticed a few accounts were student loans. These account are also in error because I, nor my children have attended a higher learning facility. Can you please help me figure out this information and get it cleared from my credit reports ; both XXXX and Experian. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated multiple USC 's and CFRS 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit card

XX/XX/2015 I received CareCredit preapproval XXXX for expected dental work which I was advised could present letter with XXXX forms of ID to any dental provider.
XX/XX/2015 I booked a "free" consultation XXXX.  I was given only XXXX plan of treatment estimated $XXXX  Advised XXXX dental office I need to discuss with husband prior to commitment.  Was advised by XXXX of need to make down payment on date of starting any work, that is when I showed him my preapproval which he took a picture with his phone and went to the computer and raised the credit line to XXXX without my approval.   I later learned he also charged the $XXXX and I now believe he presented a forged signature to CareCredit when I advised them I did not authorize this charge.  I XXXX notified Care Credit by phone XX/XX/XXXX of the charge not authorized but agreed to call back after talking to dentist to request he reverse the unauthorized charge which XXXX refused to do, so on XX/XX/XXXX I filed the unauthorized charges dispute with Care Credit and again on XX/XX/XXXX asked XXXX to reverse this charge for services not received and also requested he reverse fraudulent charges to my insurance company.  All of which he refused.
The folloup visit after the XX/XX/XXXX "free consultation" was on XX/XX/2015 - upon checkin was asked for down payment, advised would not make down payment for prior estimated plan as did not approve and arrived early to discuss other options
Was advised XXXX to go ahead with XXXX procedure XXXX and would fully discuss new treatment plan and understand all charges before left dental office that day.  Did not happen.
XXXX miscellaneous other work which I never understood or received any explanation of charges for even though I called several times between XX/XX/XXXX and XX/XX/XXXX and was only advised could make an appt on XX/XX/XXXX to speak with XXXX as he was only XXXX authorized to discuss my treatment and charges and was out of town until XX/XX/XXXX despite he filed claims XX/XX/XXXX and XX/XX/XXXX (very hurriedly) as he knew I did not approve of the preestimate given XX/XX/XXXX .
XXXX would not discuss alternate plan on XX/XX/XXXX stating it would cost additional XXXX to make any changes to plan.
XXXX has now presented to CareCredit XXXX stating offer to refund $XXXX and that $XXXX is for services rendered which are absolutley false.  Only work I can confirm is a XXXX estimated on original pre-estimate of $XXXX XXXX.  He has fraudently been reimbursed by my dental insurance $XXXX for $XXXX charged for Free Consult and XXXX never received all part of the preestimate I did not approve or go back for. CareCredit states they have to go with Dentist charges even though I did not authorize the charge as they presented a signed receipt(I believe forged) and statement of services.  When asked how I can complain about their inability for a fare dispute process they told me to google it or go to BBB that XXXX Care Credit did not have to give me who to further dispute against Care Credit with.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX Account XXXX : XXXX
Product: Credit card

Google partners with XXXX XXXX for various credit services. I have used Google 's XXXX XXXX service as part of my Google XXXX phone service to pay for phones over time ( much like similar services with XXXX or XXXX ). These charges are added to my monthly phone bill, which I autopay. But I have not used XXXX XXXX in Google 's online webstore ( which sells more than just phones ). This fall I purchased a pair of earbuds and a case from Google 's online webstore. Unbeknownst to me, the Google Online store made XXXX the default payment method for my online store account -- instead of my personal XXXX or XXXX ( which is what I usually use ). It was weeks later, when I received a late payment notice from XXXX, that I realized my default payment method had been changed to Google 's partner XXXX -- without notice or input from me. Again, I only ever consented to use XXXX  in conjunction with my wireless phone service ( which is on autopay ). Google appears to have steered me into using XXXX for a different google merchant, which was not on autopay, resulting in missed payments. 

This is akin to opening and using a store card at XXXX XXXX, only to find out later that the XXXX  changed my default payment method to the XXXX XXXX card -- without my notice or consent. 


I would like to know how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is paid must since several months ago and still shows open and delinquent in my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been disputing these inquiries with transunion for months the customer service wo n't help me I have unauthorized inquiries I need removed asap. I do n't know why these creditors are pulling numerous reports they are as follow .... 
XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX.XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 1XX/XX/XXXX.XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX All the above inquiries are not authorized by me XXXX XXXX I am requesting transunion remove these the creditact protects me from unauthorized inquiries please rem0ve them Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act conversion of the accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX {$440.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date n/a {$720.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( finance ) 15USC1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 

15USC1681 SEC 604 A SEC 2 STATES : CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.
Product: Credit reporting, credit repair services, 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 Account number : 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 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: Debt collection

I went into the office XXXX XXXX spoke with kierra stating that I needed a notice to vacate. I am a current resident under section 8. In order for us to move we have to have a notice to vacate. XXXX gave me notice I have the copy. In XXXX I also had several inspections that failed to meet the requirements do to liberty commons maintenance not fixing them. So the inspector told me I have 10 business days to let them know will I be staying or leaving. I decide to move. On XXXX XXXX I started moving all my things from XXXX XXXX I sleep there an I return my keys on XX/XX/2022. I have copies an cameras seeing me load the truck and leaving an turning the keys in. I received a letter in XXXX stating I owe them for XXXX rent an XXXX. Section 8 pays all my rent. So I met with XXXX an she was upset so I ask could I have the manager number. An they was going give me a call next business day to look at there cameras. No one call so I email the manger no one got back. Sent out all the paper showing I didnt owe that money an im study trying to get charged
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
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 TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXXXXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number XXXX XXXXXXXX XXXX : Account number : XXXX XXXX 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 APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft XXXX XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/2015 Amount XXXX Fraud accout XXXX XXXX XXXX XXXX XXXX was removed from credit report then added back on
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XX/XX/XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.
Product: Debt collection

I have a dept on my Credit report which is not mine. I have spoke with the company a while ago and its still being reported. I do n't know what else to do but file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my data, and now, due to extreme negligence on their part, that information and the information of 143,000,000 other people is available to whomever would want it. 

Further complicating this matter, Equifax knew about this breach well before notifying anyone. As this is the case, I do not know the date when this took place, and it may have  even occurred 3 months ago. 

Their website has determined that I am a victim of this breach, but they did not reach out to me, leaving me further vulnerable to this action.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding the Payment History portion of my Experian credit report. There seem to be some inaccuracies as it relates to what is being factored into my 'Payment History ' which makes up 35 % of my credit score. I noticed that my 'Payment History ' on all eligible open accounts and/or installment accounts are not being factored into this component on my credit report My payment history SHOULD INCLUDE the following eligible open accounts and/or installment accounts : XXXX XXXX XXXX XXXX | XXXX XXXX | Open Account -First Investors Financial XXXX XXXX XXXX XXXX | Open Account -XXXX XXXX XXXX XXXX XXXX XXXX | Open Account -United States Department of Education XXXX XXXX XXXX XXXX XXXX Account
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a message on XXXX from a friend asking to borrow {$40.00} through XXXX XXXX. I declined and asked for her Cash App instead, but the Cash App provided wasnt hers. Realizing her XXXX had been hacked, I attempted to report the Cash App and associated phone number for fraud but was unsuccessful. The Cash App account was no longer active. The same day, I filed a report with the Federal Trade Commission ( FTC ) Report Fraud and alerted mutual friends, who also received the same fraudulent Cash App and phone number. Without my warning, they might have fallen victim. Unfortunately, Cash App lacked an option to report the issue at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports to TransUnion and other companies wrong payment history report.
Product: Debt collection

In the beginning of XX/XX/2018 I discovered some medical bills on my report that I had no knowledge of. I called and was informed just to dispute with the credit bureaus. I did that and the collections were removed from my report In XX/XX/2018. Well I recently purchased a credit monitoring service and I have discovered that the same collections that were removed by XXXX XXXX XXXX due to possible fraud has been placed back on my reports by another collection agency called Aargon Agency.

First off Aargon Agency is reporting they obtained the debt XX/XX/2018. How is that even possible when I was still disputing the debt with XXXX XXXX XXXX and the debts were removed XX/XX/2018. Secondly Aargon Agency never contacted me nor gave me the opportunity to dispute the validity of the debt, which is my right as a consumer, had they did their due diligence they would have known the medical debts did not belong to me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified itemslisted below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX