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

" According to FCRA Section 605B it is illegal to report anything on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ transunion, equifax, Experian ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report To whom it may concern, I am writing to formally dispute inaccurate information that appears on my credit report. I recently obtained a copy of my report and identified the following errors : Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : [ not the correct balance placed on my account without my permission Enclosed, you will find copies of [ list supporting documents, such as your credit report with the error highlighted, payment records, identity verification, etc. ] to support my claim. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this inaccurate information be investigated and corrected or removed from my report. Please provide a written response confirming the results of your investigation. 

If you need any additional information, please contact me at [ Your Phone Number ] or [ Your Email Address ]. I appreciate your prompt attention to this matter and expect a resolution within the XXXX timeframe as required by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I went to pay my mortgage and discovered no money in my account. Over 10 days a company, called XXXX had debited my account up to 20 times in one day. I never received a fraud alert for these charges. I looked over my account and discovered charges had been coming from XXXX in increasing amounts over several months. XXXX has NO record of ever receiving these charges. I did not notice the charges immediately because I had 3 small loans with Affirm that I was paying regularly. Although Axos can not verify where the money went, nor can the company verify this money was ever received, I have not received my money back from XX/XX/XXXX. Now they are saying that it is past the 90 days, and they have already denied my claim. I have emailed multiple times, spoke with multiple customer relationship staff, and not allowed to speak with supervisors or people in power. Over {$4200.00} was taken from me with no idea where it went, but with no fraud protection.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting

There are grossly inaccurate items on my credit file. Equifax has had more than 30 days to correct these inaccurate items or at least verify and show me proof neither of those things have happened. This is an attempt to correct my credit report through my own due diligence. Please do not respond and say this is not me, I am recording all correspondence and will use these stall tactics in small claims they do not comply with the law. Attached is a letter to explain and prove the inaccuracies and my identification to prove who I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Equifax and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/XXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and the credit reporting agencies havent notated is as disputed. They cause me to loose out on offers due to reporting negative inaccurate items and not notating it was disputed.

I sent them multiple of letters concerning my credit reports.

As a consumer it is my right for them to follow FCRA laws.
Product: Checking or savings account

A fraudulent invoice was sent to me through XXXX  This triggered an official email from XXXX  to be delivered to me which included a seller 's note which was the scammer 's number. After I was unable to dispute the charge through XXXXXXXX XXXX XXXX XXXX  I called the number on the seller 's note which began the process of identity theft. Believing I was on the phone with customer service, I followed their instructions which was to first download the XXXX XXXX and then gave them remote access to my cellphone. They told me someone had opened credit cards on my account and that I would need to start the process of opening up a credit card to cancel all fraudulent activity. A card was then opened through the XXXX mobile app ( card issued by XXXX XXXX  ) and the scammer pretended to cancel fraudulent charges by sending money to themselves. This was about an hour on the phone, then the scammer instructed me to send money through other mobile cash apps. We signed up for an account on XXXX to begin the scam cancellation of wire transfers and we also sent money through XXXX XXXX XXXX  on the chase mobile app. By this time I had already given the scammers my full information including my name, address, account numbers, card numbers and social security since all that was necessary in issuing the credit card. {$500.00} total was sent through XXXX XXXX XXXX  on the chase mobile app which directly came from my account. {$740.00} total was sent through XXXX for the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Transunion today XX/XX/2022. When speaking with the representative he advised to reach out to the CFPB to let them know that in regards to the FTC identity report that I uploaded, they were able to receive the FTC identity theft report but its not valid. I asked the representative how is the report not valid when this is the same FTC identity report that was used from the previous complaint I filed on XX/XX/2022 and they were able to remove a few inquiries prior as well as XXXX XXXX XXXX account that was on my report. Please remove the inquiries that I have requested to be removed on XX/XX/2022 under complaint # XXXX as well as XX/XX/2022 under complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian and I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. The late history should not be showing 30 days late because I think I paid on time. Please update the late payments from this account. 

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

In accordance with the Fair Credit Reporting act XXXX Account, XXXX account numbers XXXX and XXXX, XXXX XXXX XXXX has violated my rights. 
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.
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach. And I believe my identity was used. I asked for validation of my debts rapidly which I am entitled to and credit bureau failed to do so Referencing : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

On the XXXX of XXXX I called USAA and explained why both off my USAA credit cards has taken too long for them to update my balance when I fully paid both of my credit cards in full payment. Usually, it takes onetime payment, and it clears out my balance. Unfortunately, it took almost two weeks for them to clear out my credit cards. The USAA credit department where verbally rude and unprofessional and giving me a hard time while I tried to explain to them that it never happened to me like this before. I just don't understand why USAA credit card department is being unprofessional and can't even handle my situation. I decide to file a complaint thru the Federal Trade Commision and XXXX  XXXX  XXXX  for their lack of customer service skills and can't help a USAA member like me. Please investigate because I have been calling numerous times before the XXXX of XX/XX/2022 and USAA employees can't even help out. What happened to their excellence customer service skills? Please investigate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX || Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE FRADULENT ACCOUNTS & INQUIRES ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE COMPANIES TO ACCESS MY CREDIT REPORT OR OPEN THIS ACCOUNT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Product: Credit card or prepaid card

I have a credit card that is more than XXXX XXXX XXXX with Capital One. I don't have the card and have made no transactions on it. I thought that it was closed and I'm being reported to the credit agency for late payment of 90 plus days against the card 's annual fee. My credit is now ruined from a card I don't have/have n't used over {$15.00} dollars. I have requested they close my account and they have not done so. I have secured an attorney and filed a claim with the lender which they denied.
Product: Debt collection

Portfolio Recovery Associates continues to report inaccurate information on my credit report with XXXX, XXXX, and XXXX XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a violation of section 609 and 611 of the Fair Credit Reporting Act. The credit Bureaus have failed to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit files.
Product: Checking or savings account

Industrial and Commercial Bank of China earlier demostrated they won't charge any service fee if I keep my balance above {$1000.00}. However they recently changed their rule, and secretly made it to be {$1500.00} but never officially notified me or never let me to sign any new agreement. And then they chraged me {$15.00} * XXXX because I only had {$1000.00} in my account on XX/XX/XXXX and XX/XX/XXXX. 

Please see the attached of my email box, there is not any official notification from them except the monthly statements.
Product: Credit card or prepaid card

I believe on XX/XX/2020, I attempted to use my Unemployment Insurance Debit Card ( that I've been in possession of since XXXX ), to purchase grocery items, but for some strange reason, it would not accept my PIN ( that I'd been using for a while now ), and Locked me out of the account due to Excessive PIN Attempts. The only contact method to reach the Financial Institution is via telephone. Since XX/XX/2020, I've spent hours on hold, including attempts to call during the XXXX timeslots to see if contact is improved, but no contact. I do realize that current conditions pose a tremendous problems with this customer service type of an issue, but this Debit Card is the only financial resource that my family and I have. I've suffered some Septic issues and the County is threatening to place a Lien on our property unless we resolve the issue. Some of the funds that's currently available the Debit account was earmarked to help resolve the septic issue. My family and I are terrified by the inability of accessing these funds for our survival! Until I can gain access to this account and reset the PIN, each of my weekly unemployment benefits will continue to accrue on this Debit account without my access. Again, I do realize how busy some companies are, in this field, but my concern is how do my family and I survive without having access to this financial resource? I simply need help to regain access to what's mine, but have been unable to speak with any live person for assistance, including the fact that the bank 's Chat service is unavailable!!!
Product: Credit reporting or other personal consumer reports

XXXX has been reporting unlawfully on my consumer report inaccurate information and continues sell my info to different creditors repeatedly without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Debt collection

The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The account is MIDLAND CRED XXXX - the collection amount is {$320.00}, The original creditor is XXXX XXXX XXXX and I do not have an account with this bank. This is not my obligation
Product: Debt collection

I contacted this creditor on their secure login site and asked what a XXXX debt was about as i found it on my credit report. i requested complete verification of the debt to be mailed to me. A week later it no longer showed on my credit report. 
Now I check again and it lists a new debt, with a Open date as of XX/XX/2016. This is around the time i disputed it. This is completely fraudulent. 

It is for XXXX and I have not been to any doctor in YEARS!. 

This new " collection '' brought down my credit rating and fico score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX XXXX Experian Credit Bureaus on XXXXXX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I reported navy federal credit union to the north Carolina department of Justice consumer protection division for falsely saying my loan payments to them were reversed. However, to date, the company has failed to respond to the north carolina state attorney general 's office concerning my complaint against them. They were specifically given 15 days to respond but has not yet done so. They lied to the XXXX XXXX XXXX  about my case as well, saying my payments will not be returned. So, originally they stated that I never made the payments and then they said the payments were reversed. So they lied to the XXXX  and the NC DOJ as well. So at this point I don't know what to do. I contacted my state congressmen today to see what they can do. They also reached to the cfpb concerning my complaint, saying the payments wont be returned to me for the auto loan and consumer loan, yet they said the payments were reversed the last time I spoke with them. My state congressmen is looking into the matter as well.