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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Date of Birth ) XX/XX/2022 Experian To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report ), I retrieved a copy of my credit report from XXXX and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with any of the creditors, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. There is XXXX inquires in all and I am attaching my credit report for you to validate Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

On XX/XX/XXXX, I made a online transaction ( XXXX XXXX XXXX XXXX XXXX ) to purchase a XXXX toy ( through XXXX ad ). After I made the transaction, I found that the pending dollar was slightly higher than the price ( final transaction price of {$77.00} ) which got me to search online, and figure out that it is likely to be a fraud. So I called credit card company ( Citi card ), and they told me that I need to call back in a few days after the pending becomes complete transaction. So I called them again after a few days, and they told me that the dispute is going to be processed and is going to take a few weeks. 

Now I forgot about this dispute request after that, and come XX/XX/XXXX, I was reminded by it, called to contact Citi, and they told me that the dispute was not processed, and that I had to send a written dispute by regular mail. So I did, and also responded to an addition regular mail in a prompt manner. However, after a while, they denied my dispute because too much time has passed since the transaction. Upon checking correspondance history at their end, they told me that they sent an email asking whether to continue processing the dispute, which they did not hear back. I checked my email and message record, but I can not find that email anywhere. 

At this point, Citi honored me a {$20.00} courtesy payment for the trouble ( still pending ), but they did not reverse my {$77.00} loss from fraudulent website. 

All this time, I tried to contact the merchant ( only email is available, no phone ), but I got no replies. Obviously because the website/merchant is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous calls, all reroute to service teams overseas, NO one can fix access to my information on their system : XXXX XXXX XXXX 

I can not request my free credit report, I can not Freeze or Unfreeze my file, I can not do anything in their portal! 

I have to firmly inform them of the liability of not allowing me to access my information. I was transferred to the escalation team manager, who in a very few minutes, identified my account was linked to 2 addresses, mine and my son, thus not allowing for access. 

The manager told me this was a Transunion mistake and once she removed my son 's address ALL went back to work ... hours of being bounced in the phone. TERRIBLE, INJUST and...
Product: Debt collection

The car was a lemon I took took it to XXXX a couple of time for problems offer problems the last time the cast was about {$12000.00}. XXXX and the car was not a year which was about {$40.00}. If I go the whole years to pay off I told then y will I put {$12.00}. In a lemon and the warranty that I pay for from them will not cover nothing so I surrender the car and after that they never contact me again I try to call the warranty company the car dealership but the give me the run around hung up I call back no one answered now the send {$12.00}. To collections witch I think they should give me all my money I put in the car maintenance wise and paying towards the loan on a LEMON.. ( ( DRIVETIME ) )
Product: Debt collection

I have a loan with a company called One Main Financial in the city of XXXX, CA. I received a call from a representative by the name of XXXX. I have been attempting to apply for a loan deferment for XXXX weeks. The reps at the branch have stated they have emailed me the deferment form but I had not received it. Finally, on Wednesday, XX/XX/2016 XXXX stated she is handling my account and that " I better get the form in ''! She became irate when I told her she was speaking to fast and I was unable to understand her words. XXXX then stated " hold on! ". She Abruptly placed me on hold ... When I advised XXXX that she was being rude, she in turn told me I was the XXXX being rude and hung up in my face. I called the One Main XXXX back, XXXX again answered the phone. I asked for a manager, she stated there is no manager and declined giving me the name of a manager. XXXX then hung up again. I have been a customer with One Main for some years. I have always worked with XXXX. She is extremely pleasant. The Service provided by XXXX was very unprofessional and disgusting. This is not reputation that One Main Financial should want for their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled numerous complaints with TransUnion and XXXX. Transunion finally responded by removing the 3 loans that were originaly South Carolina XXXXXXXX XXXX # XXXX which were well over 7 years old. XXXX sold these same loans to XXXX XXXX XXXX. TransUnion only removed just one of the XXXXXXXX XXXX # XXXX and not the other 2 were left on the report and need to be removed as they too have been sold by XXXX.These other 2 loans are both numbered the same which are # XXXX both reported on XXXX/XXXX/XXXX according to theTransunion Resolution Summary. XXXX has all 3 XXXX XXXX XXXX still on my report which XXXX has sold to them and they are the same debt.I have previously asked that they be removed also. We were warned by the refinance agencies that TransUnion would be difficult to deal with and they were right.I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by TransUnion and XXXX still continues. Why did n't they remove the others like XXXX did?
Product: Mortgage

I was informed Nationstar Mortgage LLC XXXX Mr Copper Inc XXXX XXXX was constantly harassing my family demanding I own on a mortgage and was going to foreclosure on the home. This home is free and clear of any mortgage. I personally have never contracted with any lender from this company. I attempted to stop the harassment but it still continued without any success. I now seek compensation for the disrespectful behavior and tactics used. The XXXX XXXX XXXX and XXXX XXXX XXXX had hired a third party law firm to handle their false allegations against me. The name of the law firm is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I bring the blood Of the XXXX XXXX XXXX between us. XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dispute of Identity Theft under 18 U.S.C. 1028A Dear TransUnion Dispute Department, I am writing to dispute this item on my credit report that are a result of identity theft under 18 U.S.C. 1028A. I have recently become aware of fraudulent accounts and inquiries on my credit report that have been opened without my knowledge or consent.

I have attached copie of identity theft report claim I filed regarding the identity theft, as well as any relevant documentation supporting my claim. I request that TransUnion investigate these items and remove them from my credit report as soon as possible.

The following accounts and inquiries are fraudulent and should be removed from my credit report : XXXX Account Name XXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity Theft I am requesting that TransUnion conduct XXXX thorough investigation into these fraudulent accounts and inquiries and provide me with a written response detailing the actions taken to correct this issue. 

I understand that under the Fair Credit Reporting Act, TransUnion is required to investigate my dispute within 30 days of receiving this letter. I also request that any corrected information be sent to me and any other credit reporting agencies that may be reporting the fraudulent accounts.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX XXXX XXXX ] if you require any further information. 

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

XXXX XXXX XXXX XXXX XXXX XXXX ] has continued to report inaccurate information on my credit report despite multiple attempts to correct it. I initially called and reported the issue, and they assured me they would remove it. I also provided a police report as supporting documentation. However, despite their assurances, the incorrect information remains on my credit report. This ongoing reporting is causing harm to my credit, and I request immediate action to correct this matter.
Product: Credit reporting

I am disputing the following hard inquiries on all my credit reports to include XXXX and equifax. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EquifaxOPENXXXX XXXX XXXX XXXX, XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX, XXXX EquifaxXXXX XXXX XXXX XXXX, XXXX EquifaxI did voluntarily submit my info to XXXX XXXX XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX, XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a veteran of this countryand would like to see these stricken from my record.
Product: Debt collection

I am submitting this complaint regarding an installment account ending in XXXX, which I believe was opened fraudulently in my name as a result of identity theft and a data breach. In 2019, my Social Security card, passport, and ID were stolen, and since then, someone has been using my identity to open accounts without my consent. I became aware of this specific account in XXXX after reviewing my credit report via XXXX XXXX. Upon noticing the account, I immediately contacted TransUnion for assistance, but they instructed me to mail documents, which I have done. However, this account remains a negative entry on my credit report. Also this account is not reporting on XXXX or XXXX credit report. 
I have filed a police report and will provide the case number for your reference. Additionally, I reported the theft to the Federal Trade Commission ( FTC ) and contacted my consumer lawyer for further guidance. If necessary, I am prepared to escalate the matter through legal channels. I am requesting that the fraudulent account be removed from my credit report and that corrective actions be taken pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX, Section XXXX, which mandates the investigation and removal of information associated with identity theft. 

Please assist in resolving this issue promptly as it is causing significant harm to my credit and financial standing. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX which has which has a service called Credit Wise, shows my score of XXXX, XXXX has a service called Credit Score showing XXXX. 

If I go to XXXX which I have a paid service, it shows XXXX, Equifax XXXX, XXXX   XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/2008 when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act. 

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a 140,000 to 75,000 so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.
Product: Credit card

I paid off my credit card in full in the amount of $ XXXX on XX/XX/year>. I went online this morning to check the account and there is an additional {$250.00} interest charge on the account. I immediately called Capital One to respectfully request that they reverse that charge, off all interest, and they have refused. I have been a customer of Capital One for years ( XXXX? ). This is unacceptable. People are trying to make end meet. I am not questioning the fact that I used the credit card. I am angry that they have made plenty of money off of me already and they can not reverse that interest fee. 

Highly unprofessional!!
Product: Credit reporting or other personal consumer reports

Bank of America put a fraudulent credit card on all credit reports the credit card was paid and up to date with a {$27.00} late charge I looked at the credit report and whoever had the fraudulent account had made payments all the way up to this month.
Product: Student loan

I just read about the complaint filed against Navient ( formerly XXXX XXXX ) and I was subject to those issues. I was encouraged several times ( and took the advice ) to enter into forbearance. Never once was offered an income-driven repayment plan when I struggled to meet high monthly payments. Fortunately I was able to the loans off just a couple years ago.
Product: Debt collection

I recently viewed my credit score and seen I have a hard inquire for an emergency room bill from a debt collector amerifinancial solutions for {$1400.00} that was opened on XX/XX/2021 Ive never received any letters regarding this collection. If i want mistaken I thought ER bills couldnt go in your credit due to hippa rules. Im unemployed and dont have that kind of money to pay. I went to the ER in XX/XX/2021 they should at least contact the person before effecting their credit in todays economy
Product: Credit card or prepaid card

On XX/XX/XXXX I have called the Comenity Bank in response to their letter to confirm charges on my account. Once the agent Ms. XXXX successfully verified my identity, I confirmed all transactions to be accurate. I even gave additional information about the payment, that I made to this account on the pior day. After a brief hold the agent decided to ask me some additional questions, such as : my zodiac sign, whether I purchased my XXXX prior to XXXX of XXXX. Another brief hold followed and she came back on line with a statement that now my account is closed. Upon my strenuous objection, she invited me to apply for another card in a month. I requested to speak with her supervisor and attempted to explain to Mr. XXXX ( supposedly the supervisor ) that there must be a mistake in their source of information. He was very arrogant, kept interrupting me and taking at the same time that I was speaking. I requested to speak to his superior, at which time he advised me that he is the ultimate authority. I requested telephone number to the corporate headquarters. He gave me telephone number to XXXX 's! Since then I contacted the bank multiple times demanding to either reopen my account or to provide me with the source and the nature of the information that led to the adverse action by the bank. I pointed out several times that under the FCRA, I am in title to this information, if only to correct it for future. All my requests are met with either dismissive or evasive replies. The bank refuses to connect me with any one person of authority to resolve this issue. I strongly believe that this is deliberate and consistent campaign of discrimination against me due to my national origins. My FICO score as reported on XX/XX/XXXX is over 800, I have no history of late payments on any accounts including the account with Comenity bank. Other than prejudice of their agents there is no reason to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim to identity theft attached paperwork that was effected by my primary physicians office and victim of XXXX XXXX identity theft after proven these paperwork stoll have these inquiries from all these seven companies stated above and need this based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XX/XX/XXXX Barclay bank delaware XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On Wednesday XX/XX/XXXX I had went to XXXX & got me & my mom some food. I went there & came back home. Around XXXX XXXX XXXX XXXX I got a notification about my credit card being used so I looked into it realized it wasnt me & called my bank to let them know. I remember me getting my card back from XXXX so I checked to see where my card is & couldnt find it. So I went & looked at my front door camera to see if maybe I dropped it & I did just that! In the video you see someone walking down the st stop.. pick my card up & then continue to walk & use it 10 mins later now Chime declined my claims twice already saying I dont have evidence its left me way more heart broken then anger considering this is my first time not only going through something like this but this is my first claim! Unbelievable how I was denied & not even the manager of claims department can tell me why Im beyond lost as to how it was denied & Im filing this claim to see if someone out there actually understands where I am coming from
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this please have them removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I wanted my XXXX  n XXXX  updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX  card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me
Product: Debt collection

I lost my wallet and they took my debit and credit card without my knowledge