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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to report issues regarding unauthorized charges on my Zelle account and to request assistance with canceling a pending payment. Additionally, I have initiated payments but I would have liked to cancel the payment as it was made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I purchased a vacation package from XXXX and paid for it using Affirms installment loan. The installment loan is due to be paid back to Affirm beginning XX/XX/year>. 

On XX/XX/year>, I decide not to take the vacation and I cancelled the purchase with XXXX. Per XXXX and XXXX XXXX. Cancellation policy, I was due a refund of the total purchase. Of that purchase, the cost of the XXXX XXXX flight was {$320.00}. The remaining amount of the vacation package was {$1600.00}, which included the hotel stay and the return flight from Hawaii. 

My account on XXXX shows that the entire vacation package was cancelled, and a refund was issued for {$1900.00}. The refund was issued in XXXXwo installments to back to Affirm in a payment of {$1300.00} and for {$610.00}. This is per XXXX. On or around XX/XX/year>, I contacted Affirm and asked them why the loan application for the entire {$1900.00} plus interest was still pending on my account and not cancelled. Affirms customer service told me that they had not received the portion of the refund for the XXXX XXXX flight, which totaled {$320.00}. I advised Affirm that XXXX and XXXX XXXX has advised me that they did in fact issued a refund to Affirm and I provided Affirm with the refund receipts. Affirm does not have a system to dispute the refund they are claiming that they have not received and does not give me the customer an option to dispute that refund was completed. Affirms policy also forces you to pay the interest on the loan even though the refund has been issued. Affirms policy also does not give you a refund of the interest payment if and when the refund is satisfied. As mentioned, this transaction was cancelled/voided the same day it was made and now it is XX/XX/year>, over three weeks since the transaction was cancelled. I am concerned that Affirm is attempting to have me pay the entire interest of {$370.00} of this loan before they will satisfy that the refund has been returned to them. This is fraudulent activity and outside of the bounds of the loan agreement. Affirm will no provide me with any information showing that any of this loan has been paid back to them by XXXX and XXXX XXXX. 

Meanwhile, XXXX and XXXX XXXX have advised me that the transaction never took place and was voided instead of being charged, which means Affirm should not have even processed the loan.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXX Important dates Inquiry date XX/XX/year>XXXX XXXX XXXX  Important dates Inquiry date XX/XX/year> XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/year> XXXX XXXX Important dates Inquiry date XX/XX/year> I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. 

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a lot of inaccurate information on my accurint report and supplying it to its clients i have disputed the item due to inaccuracy 18 months later its still being reported and supplied to such companies like XXXX i need an updated copy of my report showing these in accurate information ( Bankruptcy ) has been deleted off my accurint report
Product: Debt collection

I sent sample letter from CFPB requesting more information about debt since this company has placed a judgement against me. What I received was a letter stating that this my debt for card XXXX, when it was opened by XXXX XXXX XXXX ( never heard of ) and when it was charged off and sold to LVNV funding. They state it is mine because my social security number is associated with this account. Can I have further proof that this is my debt such as a copy of where I signed to get a credit card? If so how do I request it? I have XXXX accounts with XXXX XXXX now XXXX XXXX, and if XXXX XXXX and XXXX XXXX are the same why would they give me more credit if I owed a previous debt to them. How can make sure this is right? LVNV has placed a judgement against me for something I am not sure of.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A, states I have a right to privacy.

15 U.S.C. 1681 section 604 A, also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2022, I was being scammed from the Online shopping website XXXX XXXX XXXX, those scammers requested me make payment repeatly. As soon as i realize it was a scam, i contacted XXXX  XXXX XXXX immediately to stop payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit. I have also reached out asking that they remove the inquiries from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : 1.XXXX XXXX 2 . XXXX XXXX  3. XXXX XXXXe
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 Equifax to validate the account ( A ). It is not permissible to fail to validate the reporting account 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 : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have XXXX business days to block this information from my file. This request was NOT made in error. I, ( XXXX XXXX XXXX XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). 

... ... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

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

in according to the fair credit act XXXX  accounts XXXX for XXXX by XXXX XXXX XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX Has violated my rights.15 usc 1681 section A states i hava a rights to privacy.Also 15 usc 601 section 604 section A 2 it also states a concomer reporter agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is providing false information. This is about business accounts not personal! Screenshot attachment At XXXX on XX/XX/18 I called Experian to report unauthorized accounts providing my business and personal info publicly and incorrectly. A very rude XXXX guy named XXXX in XXXX refused to give me his manager, lied stating he was the only one I could talk to, and racially discriminated against me because Im XXXX XXXX! Experian refuses to correct the false information it is reporting on my behalf. There are two incorrect business listings that are not even valid companies and need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are providing incorrect information, this is not the business name. It is not the business address, nor has it ever been. Please fully delete and close out both of these accounts listed above from your system that are linked to my company. The individual stony hung up the call on me for absolutely no reason after racially discrimination and refusing to help me.
Product: Payday loan, title loan, or personal loan

In 2018 we had a meeting with a sales rep from XXXX by XXXX. We needed replacement windows in the home we had just purchased. When we told the rep how much we could afford he told us we could take out a no interest, no payment for a year loan. We filled out the paperwork and agreed to borrow {$36000.00}. Not long after my husband was laid off from his job and we contacted Greensky and they told us over the phone it was no interest and no payments so we didn't need to worry. It was not until it was to late that we discovered we were actually being charge interest and it was only if we paid of the loan entirely that we would be free of interest. The loan interested ballooned and with the added lose of income due to COVID and my husband being called up for XXXX XXXX with the XXXX XXXX XXXX we have struggled to make any progress on the loan. We have called many times to try and get relief related to both of these issues but Greensky representatives have refused us any relief. Only when we said that we were going to file a report with CFPB did they say they would do an investigation. Now they say they have finished their investigation and they say we still owe {$15000.00} at an interest rate of 24 % that will continue to able to the balance. To date we have paid {$51000.00} total on a loan for {$36000.00} and there is no way we will be able to pay off the remaining balance without more interest applying.
Product: Money transfer, virtual currency, or money service

A stranger XXXX from XXXX XXXX, looking for a rental house in XXXX, She got my contact information from XXXX. I posted a rental unit 2 years ago. She introduce me to invest money on XXXX XXXX and give tips to trade, get the profits. But each withdrawals we're rejected by the XXXX XXXX and the reasons including wind control, Tax and inside trade ect. The XXXX XXXX  only has the customer service department i can reach. They have XXXX XXXX and XXXX XXXX. I have all IPs of them. XXXX XXXX  said their address is XXXX XXXX XXXX in New York. But Don't know which unit number. I keep all the conversation with them. They said they have registered in US government but don't mention under which supervise department. I keep all the proofs transaction on the platform. XXXX XXXX and XXXX are their platform login website. After i paid by wired transfer for Tax and they said i join the inside trade and have to pay a fine usdt {$120000.00} to release all my funds back before coming Wednesday. I am painful and unhelpful Now. Totally i wired transfer more than XXXX in the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

i made a payment over the phone with JPMCB agent XX/XX/22. i gave all my account information for the payment and she input it incorrectly. I gave her my entire account number correctly more than once. I was made aware of the error only after they reported my account 30 days late. They stated the account number was missing a digit a digit that their agent left out. I have proof that I had funds in the account the day of transaction. I also have proof that the same account was being used for months to make the payment. Chase refused to let me hear the recording to prove it was my error. Stating they will not reverse the 30 day late. As you can see in my history i do not have a repayment issue. I have excellent credit and plan on keeping it that way. I demand proof that the missing digit was my error and not theirs as i provided the same banking information i always have when making my payment. Thank you
Product: Credit reporting or other personal consumer reports

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 personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account numbers ending in XXXX and XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX, another auto loan at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX Credit cards from XXXX XXXX ending in XXXX, XXXX, XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 don't recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 # XXXX 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.

CFPB
Product: Debt collection

I looked at my credit reports and noticed a debt collector named " Grimm Collections '' was trying to collect on me for " XXXX XXXX XXXX ''. I sent a debt validation request letter and they sent me information for a man named " XXXX XXXX XXXX '' ( Including his I.D., information about his debt with XXXX XXXX XXXX, and other personal info of his. ) I am not that man nor do I owe his debts. 
Grimm Collections also had a client debtor number listed for me ( XXXX XXXXXXXX ) that didn't match the account number I had with XXXX XXXX XXXX ( XXXX XXXXXXXX ) I believe somewhere in their records department someone made a mistake with their records and data and account numbers. I have a copy of the information they sent me and I have sent it to the XXXX credit reporting agencies and am prepared to take this to court if needed. Please look into and investigate this matter further.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. ThereforeBankruptcy XXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX account ) should be removed from my credit report entirely for false reporting!!
Product: Credit card or prepaid card

Order cancelled and never delivered. 
still charged full amount of {$7000.00} on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted BOTH credit bureaus XXXX and Transunion about a late payment from XXXX listed on my credit report for an account that is NOT MINE, i was just an authorized user. I first contacted both XXXX and Transunion via U.S. mail on XX/XX/XXXX .... I never heard back from either bureau! After contacting them again via mail on XX/XX/XXXX, i have yet to hear from them. It is absolutely mind blowing that two of our biggest credit reporting agencies nationwide, just IGNORE consumers and hurt they're chances at obtaining good credit by reporting erroneous and inaccurate information. Totally unacceptable and irresponsible!
Product: Credit reporting

There was a summary judgement against me that was later dismissed. Experian still reports it as open. I filed a dispute in XXXX of last year, but they have n't updated it.