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

To Whom It May Concern, I am writing to help me dispute several inaccuracies on my credit report, which have caused an unjustified drop in my credit score from XXXX to XXXX between XX/XX/2024, and XX/XX/2024. Upon review of the reported factors, I have identified multiple errors and inconsistencies that I believe are violations of the Fair Credit Reporting Act ( FCRA ). 

1. Average Age of Accounts Experian claims my average age of accounts decreased from 4 years, 2 months to 4 years, 1 month. After recalculating, my average age of accounts is 4 years, 6 months. Please provide verification of how this data was calculated and correct the reported average age. 

2. Credit Limit Experian reports my total credit limit decreased by {$450.00}, from {$14000.00} to {$13000.00}. This is false. My credit limit has increased to {$16000.00} due to the addition of a new XXXX XXXX card established in XX/XX/2024. This card has not been reported on my credit report. 

XXXX. XXXX XXXX Experian reports that my trade lines decreased from XXXX to XXXX. This is incorrect, as I currently have XXXX open trade lines, including the XXXX XXXX XXXX card ( established XX/XX/2024 ) and an XXXXXXXX XXXX XXXX, both of which are absent from my credit report. 

4. Revolving Accounts Experian also claims my revolving accounts decreased from 3 to 2. This is incorrect ; I currently have 6 revolving accounts open.

attached is all info needed to correct errors on my credit report These errors have directly impacted my credit score, and I request that these inaccuracies be corrected immediately. Under the FCRA, Experian is obligated to ensure the accuracy of the information reported and respond to disputes within 30 days. 
also Experian has failed to report my affirm loan accounts also Requested Action 1. Update and correct the following errors : Average age of accounts to 4 years, 4 months. 
Credit limit to reflect {$16000.00}.

Trade lines to reflect 5 open accounts.

Revolving accounts to reflect 6 active accounts.

2. Restore my credit score to its accurate value of XXXX. 
report my affirm loan accounts that are all paid and in good standing If these issues are not corrected promptly, I will pursue further action, including legal recourse, as Experians failure to report accurate information is a violation of the FCRA.

You may contact me at ( XXXX ) XXXX or XXXX with updates. I expect a detailed response regarding the results of your investigation. 

Thank you for your attention to this matter.
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights XXXX Or a 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 reporting, credit repair services, or other personal consumer reports

Without my permission or being contacted in any form or fashion, XXXX XXXX pulled my credit report ( HARD ) on XX/XX/XXXX, by this company. I did not request a pull of my credit report for a mortgage, and this is FRAUD. When I tried to call the company, the XXXX number would not go through, and I tried multiple times. I called the next number I found on their website and never could reach a live person to speak with about the false and unauthorized pull of my credit report. The inquiry is showing on my credit from all three bureaus. I have put a fraud alert on my credit report through XXXX  and Equifax. I want it removed from my report ASAP from all three bureaus as it affects my credit and states it will not be removed until XX/XX/XXXX. Further note, I never contacted this company or any other company about refinancing my mortgage at this time. 

Company information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting that Freedom Mortgage has made " hard inquiries '' into our credit file, without our consent. 

The company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX we connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded line. 
XXXX confirmed the problem was real, and it had been happening to others. 
XXXX state XXXX  sold them our social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, although he never ever took any further calls, or return voice messages left. Attempts to reach him were un-successful. On way call made to the company, XXXX spoke to me through a CS representative, whom he advised and it was repeated over/over, he could not take my call, that he was in a meeting. Yet he spent over 20 minutes repeating this to the CS that tried effortless to get him to take the call. 

After checking back with the credit bureaus suddenly the inquiries disappeared from XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified his self as a sales Manager named XXXX XXXX, who said he too would look into, and get back with me. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either.
Product: Credit reporting or other personal consumer reports

I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights.
Product: Credit card or prepaid card

I received this today its a scam I wonder if you could block the number traces to stop this from happening
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my credit score and my ability to obtain financing. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent. 

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter. I am available for any further clarification at [ your phone number ] or [ your email address ].
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX This item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

That is not mine, I never signed up with them or received any products.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute of hard inquires that are appearing on my personal Transunion credit report. 
1. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX 2. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX 3. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I have contacted the companies as instructed by Transunion as well as Transunion. I have provided Transunion with all requested information and the issue has not been resolved, This is a direct violation of the FCRA because formal investigation results have not been furnished and the above mentioned inquires still appear on my personal credit report. 
Please remove the inquires from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX  XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


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

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

Tried to book a flight on Delta. They advertise a special offer with an American Express Delta Skymiles card. So I signed up. Was denied the statement credit. Received approval email. But can not purchase tickets without the card number. 
I created an online account with American Express. I can see the last 5 digits of the card but I can not get the card number. Used online chat then 2 phone calls to American Express but still could not get the card number. 

Without it, the card is useless. I can not wait a week to get the card before buying the tickets. So now I will have to cancel the card but will take a hit to my credit score because American Express and Delta lied.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as these unauthorized inquiries, 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

XXXXXXXX XXXX XXXX Installment Loan Amount {$1300.00} Open Date XX/XX/2023 XXXX XXXX XXXX Filed ID theft disputes with Credit Bureaus and Retailer. XXXX never followed up with proper investigation and follow FDCPA laws due. 
Never had a account. 

Demand for delete based on expired time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XX/XX/XXXX XXXX
Product: Credit card

On XX/XX/XXXX a supervisor, XXXX XXXX, claimed to listen to the call that I purportedly made on XX/XX/XXXX and made the following comments : " ( Chase ) will not release the recordings, but ( I ) can subpoena them. '' XXXX. This comment was made after I noted that both TILA and Regulation Z require all documentation used to make a decision regarding billing errors. 
On XX/XX/XXXX, Chase wrote " we received your XX/XX/XXXX letter.. However, the letter was insufficient. '' On XX/XX/XXXX Chase now claims that the letter was " not sent to the proper address. '' XXXX. The address to which the letter was sent is listed on a Chase website as a proper address. 
On XX/XX/XXXX Chase wrote " we consider our position to be final and we will no longer respond regarding this matter. '' Chase is refusing in writing, to the CFPB, to comply with both TILA and Regulation Z by providing information they are required to provide.
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 recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - XXXX XXXX  ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Card ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card

False advertisement, deceiving and unfair business practices demonstrated by Bank of America. I intended to use balance transfer checks that I have been receiving as " as special offer '' from Bank of America. In order to use the transfer checks and transfer higher paying interest to a new lower interest credit I made a large payment to the BofA account ( XXXX ). That would allow enough limit in the credit for the transfer and to have a lower credit interest overall. Just after the payment was made, aprox. XXXX days later, I receive a letter indicating that my credit line was cut by more than 50 %. This is credit I already had no new credit I was applying for. BofA action prevented me using the transfer checks and not being able to take advantage of the advertised offer and lower my overall interest rate. I am very angry because I could have use the large payment I made to BofA ( {$16000.00} ) for other things and keep paying as I usually do. I must mention that we had this credit card for around 30 years. I could have used the money to lower other payments. Their action just not only sabotaged the balance transfer, but also, for the credit bureau, it reported the card as over 95 % use thus decreasing the my overall credit score. This action from BofA was totally deceiving, arbitrary, unfair and also, damaging.
Product: Credit reporting or other personal consumer reports

Yes I sent in certified letters to the credit bureaus to show nanocuries on my report. They sent me multiple letters stated it was verified. Then I sent in verifications letters telling them they needed to prove how the debt was verified. They did not do this and they are violating consumer law and these accounts now must be removed. My next step is a lawyer if they no longer comply. One account was removed from my report for this reason so the others need to be removed as well. The following accounts are : Dept of edXXXX account number XXXX XXXX and XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX
Product: Debt collection

Block and delete the fraudulent accounts listed below, as mandated by law and the FCRA. Failure to comply within XXXX business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$140.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$32000.00}, and XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$920.00}. Please delete.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have no knowledge of these inquiries XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this address I never lived in Texas or even been My information was stolen during that date breach the