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

Dear Sir/Madam, I am writing to request that the Consumer Financial Protection Bureau XXXX CFPB ) delete the fraudulent hard inquiries from my TransUnion credit report. As a victim of identity theft, I have been wrongfully targeted by several banks and financial institutions, resulting in multiple unauthorized credit inquiries on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX These inquiries have caused undue stress and anxiety, as I have never had any dealings with these institutions and have no knowledge of the nature or purpose of these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. In this case, I am disputing the hard inquiries made by these financial institutions, which were not authorized by me, and were the result of identity theft. 

I have taken the necessary steps to protect my personal information and have reported the identity theft to the appropriate authorities. I have also contacted the credit reporting agencies and placed a fraud alert on my credit report. However, despite these efforts, these unauthorized inquiries have remained on my credit report and have affected my credit score. 

I urge the CFPB to investigate this matter and take the necessary steps to remove these fraudulent inquiries from my credit report. I am confident that the evidence will show that these inquiries were made without my knowledge or consent and that I have been a victim of identity theft. 

Thank you for your attention to this matter. 

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

Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXXXXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXXXXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX fl XXXX phone number XXXX XXXX XXXX XXXX I have never had an account with this person : a person by the name of XXXX XXXX made these charges against me. and then stole the money for herself. She was a manager with the company at the time and stole money from the company. Then placed me and other persons in default. A criminal case was made at the time. The information such as timeframes is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 I tried TWICE to get my free online credit reports at XXXX and all three credit reporting companies, XXXX, XXXX, and experian claimed an error or problem and denied giving me my report. All the information that I carefully entered was entirely correct and this used to work before with the same personal information, so the problem must be on their end. It is not acceptable to have to send snail mail or call each credit reporting agency since that is what XXXX is for. 

Thank you!
Product: Credit reporting 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 XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax 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: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian and requested for them to reinvestigate some inaccurate accounts on my consumer report the results came back as verified and accurate and remains the same. It's obvious they failed to make sure my consumer report is reporting 100 % accurate. XXXX XXXX XXXX is the name of the company with acct # : XXXX this account is a charge off account that is reporting a status of open and reporting an active ok payment history every month, the comments clearly say early termination so if the account is terminated how can it possibly be opened and reporting an active ok payment history every month. The second account company name XXXX with acct # : XXXX this account results came back as verified and accurate and remains the same, how did it come back accurate when XXXX is the original company and the status clearly say the account has been written off comments say purchased by another lender meaning they no longer own the account. XXXX and XXXX are no longer reporting these companies or the accounts on my consumer report these accounts should not be reporting on my Experian consumer report you are reporting false and misleading information Experian has failed to properly reinvestigate these accounts Experian are willfully noncompliance with the FCRA laws. These inaccuracy 's is a false misrepresentation of my credit obligation this has cause me mental anguish and anxiety and has been an inconvenience to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several attempts to ask credit bureaus to fix a simple with an account with Ford credit. They continue to report this account late, and have shown late for several months. The account says payment not due until XXXX/XXXX/9999. I was under assumption I had until XXXX/XXXX/9999 to make payments. They havent told me or mail me anything stating anything different. Credit bureaus has ignored my response and continue to report this account inaccurate.
Product: Debt collection

Midland Credit Management is attempting to garnishing my hard earned. I have disputed the issue with them and have asking them in multiple times to be proving that they are legally the owner of this debt, and that they are the creditor that extended credit. I have asked that the providing the purchased agreement. Midland Credit Management has failed to by providing any legal documents that entails that I have owe them any amount, any contract, any agreement between myself and them. They have only sent me some numbers of an Account that already XXXX out and redacted documents that can not be read or can be understood. 
On XX/XX/year>. Midland Credit Management has responded and indicated that the matter is Cease and Desist but still open loophole to garnishing my hard earned. This is the evilest respond and sly of hand. Now XXXXXXXX XXXX XXXXXXXX sent paper works to my employer in the attempt to collect the debt that has never been proving. This illegal practice using words in loophole as legal mean is evil, only monsters and demons are practicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion Credit Bureau dated XX/XX/2022, to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX XXXX  XXXX Balance Owed : {$23000.00} ; XXXX XXXX  XXXX Balance Owed : {$31000.00}
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit profile its multiple outdated information on my credit profile. 
My address should only be XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All others need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name MIDLAND CREDIT MANAGEMEN Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Responsibility Individual Condition Derogatory Original Balance {$370.00} Balance {$370.00} Date Opened XX/XX/2022 Date Reported XX/XX/2022 Remarks Account information disputed by consumer, meets FCRA requirements fraud account need to be removed off credit report profile
Product: Checking or savings account

My name is XXXX XXXX, an employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I opened a bank account in Bank of America, XXXX XXXX XXXX XXXX XXXX  Title of account : XXXX XXXX XXXX XXXX XXXX ( Checking Account ) advantage plus Issue : Unauthorized transaction of {$2700.00} plus {$81.00} bank transaction charges on XX/XX/3 Reason : Someone steel my debt card during the travel from XXXX XXXX XXXX The unauthorized transaction made in XXXX by the hacker/fraudulent by using the stolen debt card. 
Action taken : Immediately called Bank of America fraud detection branch on helpline. 
Bank Response/Result : I received the message by Bank of America ''Complain resolved but Not Paid '' Details are attached. Please see the attachment.
Product: Credit reporting or other personal consumer reports

I sent a letter asking for verification of a debt on XXXX XXXX and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that Portfolio XXXX XXXX received the dispute letter on XXXX XXXX. It is now XXXX XXXX and I have not received a response from the agency.
Product: Mortgage

I have not yet received anything on how to pay my first mortgage payment. We closed on XX/XX/23 and we have received nothing in the mail from M/I Financial. The first payment will be due at the end of the month. I can find nothing online on how to create and account and pay.
Product: Credit reporting or other personal consumer reports

3 things showed up on my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Ive disputed all of them to be removed but they havent went away. These are 3 parties and they shouldnt have my information. I would like them removed from my credit report.
Product: Checking or savings account

XXXX I deposited by payroll check via Citizens Access Mobile app. The check was for {$1200.00} XXXX I got a notice from Citizens Access that the check is on hold until XX/XX/year>. I called their customer service and they said there was nothing they could do and they would put in a case ( gave me case # XXXX ) They claim the " hold is due to paying bank XXXX XXXXXXXX XXXX  ) indicates the check may not pay '' We went to an XXXX branch and they said they did not tell Citizens Access the check would not pay and they already cleared it on XXXX in the XXXX 

XXXX I called Citizens Access again and told them XXXX cleared the check and Citizens Access said it is still on hold and there was nothing they can do. I spoke to XXXX ( a floor supervisor ) and she was very rude saying there's nothing they can do. 

XXXX Citizens Access called me to say the check is still on hold as they believe it still may not pay. I told them it cleared XXXX and she said there was nothing they can do. When I said I was going to close the account when they finally release MY money, she giggled at me and said " I don't blame you ''. My employer called XXXX and they supplied a report to show that they did pay out the check for {$1200.00} but there was nothing more they could do to help. 

I feel Citizens Access basically stole my money as there is no way, in XXXX, they need to hold a business payroll check for 2 weeks.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

When applying for a Wells Fargo home loan in 2015, I was delayed in the process and the loan advisor hindered me from being able to lock in to a lower percentage rate. Our closing date was also delayed. This loan was for my current address : XXXX XXXX XXXX, XXXX XXXX, SC XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Unrecognized hard inquiries on my report remove immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified consultants placed information on my credit report Ive never had a balance with diversified consultants my account with XXXX was paid in full well before it went to collections I paid XXXX directly and as of today XXXX still owe me a balance refund. This is fraudulent this company thinks they can just place things on peoples credit files that are in accurate.
Product: Credit reporting or other personal consumer reports

On [ XX/XX/23 ], I reached out to a customer service representative at Fortiva, because I was having issues with my portal. They processed the payment for me and stated that she would take care of a late fee and the account. I asked her throughout the call several times if because I have issues with would my payment report as late. She stayed at all three times that there was absolutely no way my payment will report as late. I had nothing to worry about and I should follow up with customer service on Monday. 

Unfortunately, the representative gave me incorrect information. I received a notification that my payment did report as late which contradicts the information given by XXXX customer service representative. 

Please let me reiterate no point in time during that conversation that she state if the payment was after the XXXX that it would be late reporting. I did not find that out until calling a customer service representative today and I talked to three of them and it wasnt until the third representative that I was given that information. Verbatim she stated it was taken care of and there was no way that it will report as late, which is incorrect due to the late reporting. 

This may have been a honest mistake on the representatives side, however, it was on my behalf. I am asking for Fortiva to Please take accountability for your representatives actions by fixing this mistake and educating the representative. Fortiva has failed to properly educate this particular representative and adequately inform me as the consumer if anything was different. As a result, she has created financial obstacles for me by providing incomplete and incorrect information. This extreme disservice to a client to provide partial information. 

To resolve the problem, I would appreciate a updated report being sent on my behalf. 
I look forward to your reply and a resolution to my problem. I will wait until before seeking help from a consumer protection agency or other assistance. Please contact me at the above address or by phone at XXXX.
Product: Credit reporting or other personal consumer reports

Recently, on XX/XX/2023 I did another investigation on my credit report and realized that there were several inaccuracies, invalidated and unverifiable items that the credit bureau agency is reporting.

Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims is a violation of my consumer rights and is unjust. 

The credit reporting agencies are either not responding or stating that these were investigated and verified. Again, they're several inaccuracies still showing on my credit report and in some cases have been removed and then reinserted causing me to lose housing opportunities and from obtaining credit. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have violated my rights because they are sharing my information without my conssent
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. I mailed a letter asking for XXXX XXXX, XXXX to validate the alleged debt against me reporting on account # XXXX. I have not yet received sufficient evidence proving that the debt in question is mine. They did send me a paper showing the balance but thats all. I have absolutely no record of a debt with this company in the amount! Since, the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH XXXX DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, XXXX AND TRANSUNION CREDIT REPORTING FILE ACCT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 capital one credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.
Product: Consumer Loan

We purchased a car XXXX. We noticed that our payments were not being reported to credit bureaus. Therefore, we have been subjected to a financial hardship. We have sent numerous docs that the agency has asked for and they keep losing it. They refuse to report payments but accept payments with no hassles.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602A states : I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 states : a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Reported the same debt XXXX on my credit report. I satisfied debt, paid in full. They removed XXXX but failed to remove the duplicate error they caused. They are aware of their error and I have emails with them acknowledging that fact.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting a reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating and Late Payment Date across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) This account was Paid and closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid, Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address. 

XXXX report : XXXX XXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit XXXX {$0.00}, Account rating : Paid Transunion report : XXXX XXXX XXXX - Account # XXXX X, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00} XXXX Account rating : Closed XXXX report : XXXX  XXXX XXXX  - Account # XXXX XXXX, High Balance : {$520.00}, Date Opened XX/XX/XXXX, Balance Owed : {$520.00}, Closed Date : Not Available, Payment Status : Current, Past Due Amount : {$0.00}, Last Payment : XX/XX/XXXX, Credit Limit : {$0.00}, Account XXXX : Paid