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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$20000.00}
Product: Debt collection

This company contacted my employer without my permission. I have a voicemail from them attesting to that. Further, I reside in New Jersey where PD loans are illegal, and loans are capped at % 30. I have paid them over {$5000.00} on {$2300.00} loan much more than 30 %. The company has no right to contact my employer thus sharing my loan information without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX Code XXXX - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit card or prepaid card

XXXX XXXX did not help me resolve the disputed charge of {$4400.00}. The reservation was on XX/XX/XXXX and was canceled on XX/XX/XXXX because I couldn't contact the XXXX host for 24 hours. According to XXXX, if the guest can't reach the host, there will be a 100 % refund ; however, XXXX XXXX  did nothing, although I submitted all the records. I complained, and XXXX refunded {$570.00} a couple of months laterXXXX XXXX XXXX  did not protect consumers ' rights, and the complaint department did not even look at the information I had submitted..
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX XXXX FL. shows up as a former address from XXXX through XXXX but I never lived there. I live at XXXX XXXX XXXX XXXX XXXX FL. From XXXX to present. Which is showing up incorrectly.
Product: Debt collection

On XX/XX/scrub> 2024 I checked my credit report and noticed this debit collection. In which I did not recognize so I requested a validation and verification of the debt. I mailed out my request on XX/XX/scrub>/2024 via @ certified mail & return receipt for proof, they send out a response on XXXX/XXXX/2024 that fails to meet the standard of proper debt validation Under the fair deck, collection practices act Particularly : 15 USC 1692g ( b ) Which requires a debt collector to provide sufficient verification that the debt is valid.

USC 1692e Which prohibits the use of misleading or deceptive practices, including attempting to collect a debt without proper proof of its validity. Without a signed contract or notarized documentation, theres no evidence of support of the claim that the debt is mine the lack of proper validation undermines the right to collect his debt and raises serious concerns about the accuracy and legality of their practices
Product: Credit card or prepaid card

TD Bank , N.A . denied a credit transaction for XXXX upgrade program. It stated reasons which are inaccurate. I have well established credit over 30 years, no recent delinquencies, debt to income ratio is standard for credit card evaluations. The XXXX XXXX XXXX XXXX score provided by TD Bank is XXXX. I believe TD Bank , N.A . 's action in connection with this arbitrary and discriminatory. 

The offer of credit is also misleading. XXXX site offer as reflected by this link : XXXX XXXX XXXX offers zero interests for 24 months and upgrade option after 12 months with a purchase of a new phone. It also offers to wave remaining balance after 12 months with a new phone purchase. It does not say it would provide a credit card. However, after submission of the credit application, it discloses that that it is a credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have enclosed my ID, Identity theft report and a notarized Identity theft Affidavit proving it is in fact me that submitted this dispute. I did not make these charges mentioned with the list.
Product: Student loan

I was made aware of the suit between the CFPB and XXXX XXXX, specifically regarding the high interest XXXX loans. I was forced to take out one of these private loans or have to drop out of school in XXXX XXXX. I was originally quoted 6.8 % but ended up not getting approved for whatever reason and landed 14.9 %. I was never notified of the suit until I found out on my own recently. I graduated in XX/XX/XXXX but my transcripts and diploma were withheld until XX/XX/XXXX. My loan was sold to University Accounting Service in XX/XX/XXXX. I am not sure how or why. I have had issues with them from the beginning. Their site is very sketchy, they have added a new " convenience fee '' so that I can continue to pay with my debit card. The fee will be waived if I give them my bank account information! I am not comfortable with this. Last month they sent me XXXX statements to pay. It seems like it is always something new. With the high interest, I will never be able to pay this loan off. I recently asked them for proof that they did in fact have my loan and all they could send me where the transfer papers. Which I have. The XXXX address does n't match and they could not provide me with anything else. When I called them asking questions abou the XXXX % decrease that should have been received due to the law suit they were annoyed. They said I did not qualify. I asked about a possible forbearance until my attorney could get to the bottom of this and they said they could no longer speak to me and if I had infact been speaking to an attorney about this matter that all communications and requests for my original loan documents would have to be from the attorney. I am stunned. I do n't know what to do, what my options are and received no answers regarding the decrease in my loan. Now they refuse to talk to me period and I will have to continue paying them or risk credit issues? I am sick to my stomach and have no idea where to go from here. Please help!
Product: Credit reporting or other personal consumer reports

My credit report shows that I owe {$190000.00} to XXXX. In my XXXX credit report I can see the " original loan amount '' listed as {$23000.00} which is correct. The " amount paid '' is listed as - {$160000.00}. So when you take XXXX - ( - ) XXXX = XXXX which is the " remaining balance '' listed. When you minus a negative number they add together. 
My remaining balance to XXXX as of XX/XX/year> is {$18000.00}. 
Experian, XXXX, and XXXX reflect that I owe XXXX {$190000.00}. 
I created a dispute for all three credit bureaus and XXXX today. 
This needs to be corrected ASAP or I will lose out on grant money to forgive my {$18000.00} of student debt with the XXXX XXXX program currently going on in XXXX  for first time home buyers. This is a mortgage loan program and I close on my home XX/XX/year>
Product: Debt collection

One day i got a bill from XXXX XXXX for over {$3000.00} and i never had a account with XXXX wireless i called and and told them that i never had a account with XXXX XXXX so i disputed with them and after few months later they told me somehow they verified that i was the one that opened over 5 lines, but thats crazy i never had XXXX XXXX let alone have 5 lines. so please i need help removing this from my credit because i want to buy a house and this needs to be removed from my account before i can buy a house. 

Date Opened XX/XX/2017 Account Type Collection Balance {$2900.00} Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is XXXX, Experian, and XXXX XXXX. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pretty much I applied for a credit card I was approved but then Experian still did a hard pull twice once on XX/XX/22 and one on XX/XX/22 all Im saying is how I got a card but I also got a letter sayin I didnt get it? But I did get it? N now I have two hard inquiries on my report also they have address that I dont live at on there and all different variations of my name which I do not like at all!!
Product: Credit card or prepaid card

My tax return was deposited on credit karma card and card was sent I never received it I finally seen on app that my card was stolen and money being spent so I contacted credit karma told lock my account been stolen they continued to allow the activity till money was gone then I had to dispute transactions they gave XXXX credit back from their investigation out of XXXX still can't get them to give my money back I contact them they say they will email me never happens I been waiting XXXX and still no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX account as not mine and the investigation finished on XX/XX/XXXX showing the account is mine. I accept this. TransUnion made an error updating my credit report. It shows that my four late payments were in XXXX, XXXX of XXXX then again in XXXX and XX/XX/XXXX. TransUnion did not understand that they updated my credit report incorrectly on XX/XX/XXXX. The investigation results from XXXX show that these payments were from XXXX. It now looks like I was delinquent this year and that is not true. TransUnion says I need to dispute with XXXX, but it is TransUnions reporting of the investigation results at issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-Balance {$510.00} XXXX {$0.00} XXXX XXXX-XXXX-Balance {$110.00} XXXX-Balance {$1500.00} XXXX XXXXXXXX*-Balance {$1400.00} XXXX XXXX-Balance {$8.00} XXXX XXXX XXXX***-Balance {$15000.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$140.00}
Product: Vehicle loan or lease

On XX/XX/2019, I, the consumer ( XXXX XXXX ) pursuant to 15 usc 1692a ( 3 ), filled out a credit application using my credit which is my social security number pursuant to 15 usc 1602 ( l ). When I signed the credit application that authorized XXXX XXXX XXXX to my credit thats when they became a creditor. The finance manager, agent of XXXX XXXX XXXX, never informed me on the use of my credit which 15 usc 1601 requires any financial institution or firm to inform the consumer on the use of their credit. The finance manager used a deceptive form pursuant to 15 usc 1692 ( j ) which is the retail installment contract to deceive me in thinking I was getting a loan ; when that was never the case. After I signed the retail installment contract which is the promissory note that is backed by my credit, XXXX XXXX XXXX did what Federal law defines as a credit sale pursuant to 15 usc 1602h. XXXX XXXX XXXX sold my credit to JPMorgan Chase Bank because pursuant to 12 usc 1431 banks can only borrow securities. XXXX XXXX XXXX has violated my federally protected consumer rights under the Truth In Lending by taking a cash down payment when a finance charge is the sum of all charges and by not disclosing my insurance options or my right to rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX INVEST Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX DEPT. 
Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX DEPT. 
Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX CREDIT TECHNOLOGY Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX CREDIT TECHNOLOGY Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX - CARD SERVICE Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car and loan with XXXX XXXX XXXX.   I havent had this car for more than 2 years but it still shows open on my credit report, although it shows up to date,  it goes against my debt to income ratio when trying to get a mortgage.    I have contacted them earlier this year to have it removed when I tried to buy a house and they sent the mortgage company a letter stating the account wasn't open but it stills shows on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to Transunion notifying them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but XXXX and XXXX are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance. XXXX and XXXX are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing information on my credit reports with XXXX, XXXX and Equifax i have sent in an FTC report, police report and a letter. I have contacted all creditors in this matter and these fraudently items need to be deleted asap because i was disputing these fraudently items on my credit reports for a year now. 

XXXX XXXX date open XX/XX/XXXX {$850.00} sent police report and ftc report and contacted creditor. 

XXXX XXXX date open XX/XX/XXXX {$700.00} XXXX XXXX date open XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$30000.00} XXXX XXXX open XX/XX/XXXX $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX  XXXX open XX/XX/XXXX {$1300.00} sent in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open XX/XX/XXXX $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX XXXX open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX service open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for $ XXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for {$640.00} sent in police report and ftc report to credit bureau and contacted creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Indiana Laws Dear XXXXXXXX XXXX  I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically under XXXX, Indiana, state laws. 

It has unequivocally come to my attention that XXXX XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Indiana state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Indiana state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXXXXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXXXXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Indiana state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Indiana state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card

On XX/XX/XXXX, XXXX changed the terms of my account by increasing the interest to 36 % and adding a monthly fee of {$7.00} as I result of my charges. They refused to reverse those changes. 

On XX/XX/XXXX, I received an email from XXXX offering a {$30.00} statement credit if I paid {$150.00} before XX/XX/XXXX. I paid the amount but XXXX refused to honor the {$30.00} credit. 

On XX/XX/XXXX, I received an email stating that they closed my account which I did not request. 

XXXX credit card company is predatory and dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous dispute with XXXX XXXX. I was sent a letter from XXXX XXXX on last dispute, which CLEARLY states incorrect COMPLIANCE DATE/DOFD! This letter claims DOFD to be XX/XX/XXXX. My report, and payment history REPORTED by XXXX XXXX CLEARLY states DOFD as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello yes i was reviewing my credit report and realize that it is inaccurate information, I contact the credit bureau ( Equifax and XXXX ) on this matter, they redirect me to this site to file a report, Please im trynna resolve this in a civil matter. Here is the inquiries and address as follow 1. ) XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 2. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 3 XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, VA XXXX. XXXXXXXX   ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, FL XXXX, XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Tx XXXX
Product: Credit reporting or other personal consumer reports

In or around the year XXXX XXXX XXXX XXXX The Consumers Consumer Report began to reflect the hard inquiry from the Corporation at question that is XXXX XXXX XXXX XXXX and BARCLAYS BANK that does infringe on The Consumers right to privacy- On XX/XX/XXXX of the year two thousand- twenty four- The Consumer did opt out of any presumed or implied authorization for XXXX XXXX XXXX XXXX and BARCLAYS BANK to share or furnish any NONPUBLIC INFORMATION- and did give notice to XXXX XXXX XXXX XXXX and BARCLAYS BANK in regards to their willful noncompliance committed in regards to The Consumer 's rights and the violations thereof-