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

My name is XXXX XXXX XXXX XXXX, and this report is being composed by me. According to the consumer laws, the accounts listed here should not be furnished on my consumer report as they are in violation under 15 US code 1681-B ; Permissible purposes of Consumer Reports ( a ) in general subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) By the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my written consent and instructions to report anything on my consumer report which violates my rights to the federally protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of these accounts in this report immediately. It's annoying lastly, according to 15 USC 1681-4 consumer reporting agencies have assumed A vital role in assembling and reevaluating consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and noticed unauthorized inquiries in my report. They are the following companies please remove from all 3 bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I made a reservation on XXXX  on XX/XX/year> to stay at XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Phone : XXXX XXXX XXXX XXXX between XXXX XXXX to XXXX XXXX. 

Due to some urgent issues I only stayed for 2 nights and left on the 3rd morning for XXXX XXXX. I talked to both XXXX and the hotel and they are willing to cancel the reservation for me. I was told my hotel manager that I had to cancel from XXXX but XXXX later told me they had trouble reaching the hotel ( How is this possible, then why is XXXX listing the property? ). 

I opened a dispute in XXXX but the bank silently resolved that some time last year in XXXX.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has unknown inquiries on my credit report and its holding me back from loans mainly from experience. I cant obtain anything and experience  loads inquiries on my credit report for no reason I do have evidence. My experian credit report doesnt add up with my XXXX XXXX or XXXX credit report so therefore, experience is all the way in wrong for them to have my credit score like that also its giving me and my family mental anguish. I cant even get a proper loan from anywhere having car problems. Im back on rent and its a lot of other things thats going on in my life this just top it off and I just want remedy tired of looking at my credit score because experience thats the only one thats low. The other two are proper experience has wrong information and they miss using my credit score and information which is putting mental on me and my family
Product: Consumer Loan

MY NAME IS XXXX IN XXXX AFTER XXXX XXXX, I HAD TO CLOSE MY COMPANY AND I WROTE TO ALL THE CREDIT CARD COS THAT I WOULD BE VERY LATE W PAYMENTS, MY CREDIT WENT SOUTH BUT I KEPT STRICT RECORDS. NOW 16 YEARS LATER MY CREDIT IS AROUND XXXX AND I HAVE JUST RECEIVED MY XXXX. I AM HAPPY I PAID EVERYONE OFF IN THE LAST 7 YEARS. TODAY I RECEIVED A LETTER FROM CONVERGENT OUTSOURCING IN XXXX, WA SAYING THAT I OWE A VISA ACCOUNT {$540.00} ... .NOT TRUE. I PAID EVERYONE OFF ONE BY ONE WHAT SHOULD I DO? ... I THINK THIS IS A SCAM TO PREY ON XXXX RETIREES ... XXXX IS SCAM CAPITOL ... 
I COULD IGNORE THE LETTER BC THEY MASS PRODUCE THESE LETTERS HOPING TO MAKE MONEY OR I CAN SEND A TERSE LETTER DISPUTING THESE CHARGES ESPECIALLY WITH STATUTE OF LIMITATIONS AND THREATENING A LAWSUIT THRU MY LAWYER. 
WHAT DO YOU SUGGEST? THANK YOU. XXXX
Product: Checking or savings account

The bank Wells Fargo completed XXXX of my claims XXXX and XXXX and did not return my funds to my account. The amounts totaled for several thousands of dollars that the bank refused to give back to me. They are also not giving me any information on why they are not returning it or providing any reasoning or evidence to their findings.
Product: Credit card

Costco transitioned from an XXXX to a Citi Visa card. I made arrangements with XXXX to keep my card and called Citi Visa on XXXX/XXXX/2016 and spoke to a XXXX who told me that they could not cancel an account until after the transition took place. XXXX would not give me an employee number or call reference number. I called back when I received XXXX new Citi Visa cards on XXXX/XXXX/2016 and told the operator I did not want this account, that they did not have my permission to open a credit line in my name and to cancel the account. The operator told me that all I had to do was not activate the cards, cut them up, and the account would never open. They told me they could not open an account without my activating my card. I received my first statement today ( XXXX/XXXX/2016, for {$0.00} ), called the general line and learned that I had an open account with a credit limit of {$14000.00} ( and a large cash advance option ) with Citi Visa. I finally spoke to XXXX who told me I did have an active account, that it automatically rolled over from Costco. I told him this was a fraudulently opened account and to cancel it immediately. He started the regular " well we can offer you ... '' then I mentioned I was contacting the CFPB and he promptly canceled the account and apologized, so thank you, your name alone is doing XXXX work. XXXX also flatly refused to give me any internal call tracking number that I could reference in case they " lost '' record of my cancellation. I also noticed Citi Visa reserves the right to share my personal information with their advertising partners, I assume the damage was done the moment they fraudulently opened the account in my name without my permission. I also assume Citi Visa is going to report to XXXX, XXXX and XXXX an account for XXXX that was open for one month then closed, negatively affecting my credit report. I 'm glad they 're still serving the taxpayer after that $ XXXX ( and priceless government backstop ) that we gifted them.
Product: Debt collection

THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to exercise my right to dispute any inaccurate information on my credit report as provided by the Fair Credit Reporting Act ( 15 USC 1681i ). It has come to my attention that the address information listed on my credit report is incorrect and does not correspond to my actual residence. I demand the immediate removal of the following incorrect addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX To substantiate my claim, I have enclosed copies of my valid driver 's license and an insurance statement, both of which clearly indicate my current and accurate residential address. These documents serve as unequivocal evidence of my true residence. It is imperative that you promptly update my credit report to reflect the address registered on my Michigan state-issued driver 's license, as it is the legally recognized and valid address according to my state 's records. 

I must emphasize the urgency of this matter. The presence of these incorrect addresses on my credit report is causing significant harm to my financial standing. Therefore, I request that you take immediate action to remove these addresses from my credit report, within a maximum of five ( 5 ) days from the receipt of this letter. Any delay or failure to comply with this request will leave me no choice but to pursue legal action against Experian for its violation of my rights under the Fair Credit Reporting Act ( FCRA ). 


Furthermore, I would like to bring to your attention that these incorrect addresses are not listed on any of my current credit reports with XXXX or XXXX. This serves as additional evidence supporting my claim that these addresses are indeed inaccurate and must be removed from my Experian credit report, in accordance with my FCRA rights. 
Under 15 U.S.C 1681i As per the guidelines set forth in the Fair Credit Reporting Act, I expect a prompt and thorough investigation into this matter. Within 5 days of receiving this dispute letter, I request written confirmation of the results of your investigation, along with an updated copy of my credit report reflecting the necessary corrections. 

Please be aware that the inclusion of inaccurate information on my credit report may have severe repercussions for my financial well-being. It is therefore imperative that you handle this matter with the utmost urgency and resolve the dispute in a fair and accurate manner. 

Thank you for your immediate attention to this urgent matter. I anticipate a swift resolution and your cooperation in rectifying this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. # XXXX, # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 or other personal consumer reports

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX. to inquire about a truck. I was working with XXXX XXXX. During our conversation, I explained that I only wanted my credit processed with XXXX and NOT with a Bank. XXXX the Finance Manager spoke with me about financing the truck, I explained to him that I only wanted my credit processed 1 time, to send it for approval through XXXX. XXXX said since it's a new truck the policy was only to process it for approval through XXXX. I told him NOT to process it through any other Banks. XXXX agreed to my terms. On XX/XX/XXXX I received an alert from Equifax showing that my credit was processed 2x 's on XX/XX/XXXX and another attempt was made on XX/XX/XXXX with a bank. The second attempt didn't go through because, of having my credit locked. I did NOT authorize my credit to be processed these many times! My credit score took a XXXX decrease because of this. Also, XXXX gave me a sheet showing that my FICO score is XXXX, which is incorrect. I contacted FICO and they have confirmed the XXXX wasn't my score on XX/XX/XXXX. The paper that was given looks like someone typed that information in, it's not a credit score-generated document.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.1. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report in which were not authorized by me.
Product: Credit reporting or other personal consumer reports

I wrote to XXXX, XXXX, and XXXX Requesting an investigation of the following inaccurate accounts reporting on my credit report over 30 days ago. They credit bureaus claim that they have completed a reasonable investigation with the furnisher of the account And verified a 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile which is causing damage to my credit score.

Account # :
Product: Credit reporting, credit repair services, or other personal consumer reports

have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXX XXXXOPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries AND XXXX DEMANDING OF A VERY DETAILED DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE BECAUSE I HAVE PROVIDED ACCURATE PROOF OF THE FRAUD AND YOU SAY THAT IT IS VERIFIED BUT IT ISN'T CAUSE I HAVE NOT SEEN ANY PROFF HOW ITS VERIFIED SO PLEASE TELL ME HOW EHATS YOUR REINVESTIGATION PROCEDURE AND I WANT YOU TO REINVESTIGATE THESE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus about inquires about 6 of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is not mine, as I stated in my initial complaint. Despite the fact that it says this account has been validated, the information is still incorrect. This account has to be immediately deleted from my credit record, as requested.
Product: Checking or savings account

Citibank NA. unauthorized, has taken my personal information : Name, Address, Social Security Number.

D.O.B.

Drivers License info and opened 68 fraudulent checking and debit card accounts.

I am not a Citibank customer.

I had reached out to the Citibank Executive Response Unit on XX/XX/18 and have a case number. 
I have filed O.C.C. complaint and have a complaint number. 
I filed a Federal Trade Commission complaint and have a complaint number. 
I have filed a complaint to Postal Inspection because these were mailed to my home. 
I currently have all Debit Cards, Check Books, and PIN envelopes that were mailed to me via first class mail from Citibank. Can you help me with this? I would like to know how my social security number was used to open these accounts online. 

Thanks in advance. 
Frustrated, XXXX XXXX XXXX XXXX XXXX cell
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00}. I've paid many applications fees for mortgage just to find out that fraudulent accounts are being reported. I have wasted my time and money. I am demanding remedy per the Law.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately with remedy. I have attached invoices for remedy.
Product: Credit card or prepaid card

XXXX bought XXXX XXXX from XXXX XXXX . I was told I could finance interest free. Payed {$2000.00} down financed {$4900.00} through a co. called XXXX and signed a contract without completely reading it. Set up auto withdrawal from my checking of $ XXXX month and thought everything was taken care of. When I still owed {$390.00} after 24 months {$1600.00} in interest was charged to me. I see now the whole thing is designed to take advantage of people like me that get carelesswith signing what you think is a simple contract. I thought is was signing up for financing like you do buy a car not not some credit card co. that is waiting to pray on you.