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

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$380.00} XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$380.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$950.00} XXXX XXXX XXXX  Date Opened XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XX/XX/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 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 am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX
Product: Credit card

On XX/XX/XXXX My husband and I attended a sales meeting at XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. We were lured there under the pretense that they were interested in purchasing our XXXX XXXX properties that we have with XXXX. We listened to their sales pitch and was not really interested until they told us that we could buy into their XXXX share for {$47000.00} and that they would sell our time shares for {$51000.00}. Also they told us that they would buy back our 8 weeks at the rate of {$2500.00} per week ( {$20000.00} per year ) for two years and at the end of 2 years they would even buy back our contract with them for {$78000.00}. We were sold, until we got back home from XXXX and needed to search on the internet for additional phone numbers and ran across a litany of angry buyers that said they were scammed out of thousands of dollars and the company never did anything for them. They never bought their times shares, never had any vacancies no matter how far in advance they tried to book it and refused, even if you were within the 5 day cancelation window, to cancel their contracts. We realized the almost {$20000.00} the we had giving them on two credit card transactions ( Capital One {$9700.00} and XXXX XXXX XXXX which they supplied the application for, for {$10000.00} ) may be in jeopardy and started contacting the companies. We immediately sent XXXX XXXX a Cancellation letter via XXXX which they signed for on XX/XX/XXXX in which we also demanded a refund of all deposits. This was well before the effective date of XX/XX/XXXX XXXX We filed a complaint with the Federal Trade Commission and they instructed us to pursue a chargeback from our credit cards which we had already initiated. Both, Capital One and XXXX XXXX have not ruled in our favor regardless of the mountain of documentation that we have provided to them. We are XXXX XXXXs, I am XXXX and my husband is XXXX XXXX XXXX and we are on a fixed income. If XXXXXXXX XXXX  were an honest company, they would rectify this matter themselves. They have not.
Product: Credit reporting or other personal consumer reports

I reached out to Transunion and XXXX XXXX two times about this incorrect information being reported on my credit report. Transunion and XXXX has violated my rights and caused damages to my credit report and score. I called and spoke with Transunion via phone and was told they would fix the issue and still havent fixed the issue. XXXX XXXX XXXX XXXX is reporting the same account twice on my credit report. They are not allowed to report both accounts and due to this inaccurate information I wont both accounts completely removed from my credit report if not I will file a lawsuit against Transunion and XXXX XXXX. This is a violation and you all know it is. You all can not report inaccurate information to a consumer credit report. If both accounts are not removed due to violation I will file a lawsuit against Transunion.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently placed a fraud alert on my account without my permission and they are keeping it on without my permission. I would like for them to reimburse me for the many hardships in the amount of {$7000.00} for each occasion I had to contact them and. I have called on over 7 occasions and they still have not removed the alert. I am unable to obtain any replacement credit cards because of the fraud alert. XXXX says the alert is not on the file, then they say it has been removed, however when I contact my credit card company, they advised the alert is still on the file. I am expending time and energy to get access to my cards.
Product: Mortgage

At the age of maturity and in good faith I brought value and consideration for a home. I put my application in with this person hoping to receive the same consideration back, but they discriminated against me, After that we lost contact. 

I sent correspondence to this person explaining to them that Im the beneficial equitable title holder & that I would like my credit/original application returned to me They responded with abusive language ( 15 usc 1692 d2 ), by calling me a borrower. I was not the borrower in this transaction. & with no mention of my returning me my application
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/2022 I was given a pre-approved offer by First National Bank of Omaha ( XXXX ) for their " XXXX '' credit card. I completed their application process, they accessed my credit report and my application was approved. I received my credit card on approximately XX/XX/XXXX and the following day I received a letter stating that they tried to contact me by phone or e-mail and were unsuccessful. They asked me to call them. Their letter specifically also stated that the block they placed on my cards " can easily be removed after we speak with you. '' First of all, they are liars. They NEVER tried contacting me by phone or by e-mail. Second, XXXX has failed miserably to comply with the Americans with Disabilities Act. I am, unfortunately, XXXX XXXX XXXX XXXX I tried calling the number they gave me at least 50 times between XXXX and XXXX and it is impossible to reach them via TTY / RTT. I tried using the XXXX relay service and also via their listed number for RTT. Each attempt failed. On approximately XX/XX/XXXX I reached XXXX via the XXXX Relay Service and communicated with an unknown individual who was very reluctant to communicate with me even after XXXX explained by disability. In the end, simply because they could not speak with me as any other non-disabled person, they told me I must provide *notarized* copies of my SSN and ID. 

I do not believe the ADA allows any company to require additional documentation from an individual just because they are disabled. Also, requiring a person to pay a notary for copies of documents is absurd. Further, they lied in their initial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). The following is a detailed account of the violations perpetrated by various creditors, which have had a profound impact on my life. 

Violation Details : XXXX, Account : XXXX Violation : Failure to remove inaccurate and unverified account from my credit report, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX, Account : XXXX Violation : Reporting inaccurate information and failure to validate the debt, violating FDCPA Sections 807 ( 8 ) and 809 ( b ). 

XXXX XXXX, Account : XXXX Violation : Failure to provide accurate and complete credit terms, violating TILA Section 226.6 ( a ). 

XXXX, Account : XXXX Violation : Inaccurate reporting and failure to provide debt validation information, violating FCRA Section 623 ( a ) ( 1 ). 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Reporting of unauthorized account without my consent, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX  XXXX | XX/XX/XXXX Violation : Reporting unauthorized account, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX, Account : XXXX Violation : Reporting unverified and inaccurate account, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 


I kindly request that the Consumer Financial Protection Bureau enforce the applicable legal provisions to rectify these violations. It is my earnest desire that the creditors remove these unverified and inaccurate accounts from my credit report, thus restoring my ability to secure credit, housing, and employment without unjust hindrances. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. Enclosed with this letter are supporting documents, including copies of relevant credit reports and correspondence with the creditors in question. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution that will allow me to regain financial stability and peace of mind. 

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

XXXX XXXX XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Bankruptcy Entry on Credit Report Dear TransUnion Consumer Solutions, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit report. TransUnion is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit file. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from my credit report immediately. 

I am requesting that TransUnion investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit report. I also request that a corrected copy of my credit report be sent to me and any other entities that have received my credit information within the past six months.

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

On XXXX at XXXX CT, I updated my credit card numbers on the XXXX  XXXX XXXX for restaurant rewards. XXXX minutes later I received XXXX spam calls, and XXXX spam text messages from various car dealerships around the Chicago area saying I was interested in a vehicle they have for sale. 

XXXX  XXXX is sending fake leads to businesses on behalf of consumer card holders.
Product: Debt collection

I, XXXX XXXX, consumer, am submitting this communication as a formal notice to cease your unauthorized hard inquiries listed on my credit report and a formal demand that you immediately contact the credit reporting agencies and ANY 3rd party, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiry removed : XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/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 XXXXXXXX Remove all of the previously stated addresses because they do not belong to me. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests,
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$730.00} XXXX  XXXX Balance : {$5400.00} XXXXXXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXX Balance : {$3300.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can only furnish an account with my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information present on my credit report. Upon reviewing my report, I identified several discrepancies that do not reflect the truth of my financial history. I have always made it a priority to ensure that my credit matters are handled with the utmost care and responsibility, so I am confident that these errors do not belong on my record.
Product: Credit card

Chase JPMorgan needs to correct any late notices on cc due to they were the ones to delay and failed to cooperate. See attachment.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$7100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries from both XXXX XXXX XXXX XXXX XXXXXXXX XXXX for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.
Product: Debt collection

My names XXXX XXXX. I lost my job due to covid and was unable to pay my last months rent. Apartment complex handed over debt to collections and is now on credit.Originally owed XXXX. Paid {$200.00}. Now owe {$1400.00}. Called this morning pro collect collections agency. Called to make another {$200.00} payment. XXXX I spoke to on the phone refused to take my payment. Stated I must pay the full remaining balance {$1400.00}. Asked to speak to her XXXX and she refused to let me speak with anyone else l. Stating she was the XXXX. XXXX told me I should pay my bills and hung up the phone. Called back and she proceeded to antagonised me laughing at the fact that I had called back. XXXX told me to ask family members for the money. I emailed XXXX XXXX of pro collect. Where he confirmed I am unable to make any payments. He claimed when I originally made the first XXXX $ payment that I was agreeing to a payment arrangement and because I did not abide by payment arrangements I no longer had the option to make any more payments unless it was the full {$1400.00} amount. I explained the XXXX XXXX via email that the lady assigned to my account was XXXX  and unprofessional towards me and that she did not explain this to me over the phone and that I never remember agreeing to making payment arrangements. I believe this is absolutely unprofessional how the situation was handled. I would like this paid off so I can eventually be approved for a place to live but they are refusing to work with me. The lady assigned to my account at pro collect was XXXX  unprofessional and demeaning. I would like to make payments over the phone until this is cleared and I can NOT make a {$1400.00} upfront. I live pay check to pay check. Eventually after going back and forth via email with the XXXX XXXX over pro collect he eventually told me I could make a XXXX $ online. Which was never originally told to me. I went online and made a {$100.00} payment but no money has been taken out of my account. I do not feel comfortable making anymore payments with this company until I get a clean understanding. I would prefer the option to speak to someone who is professional and give them payments over the phone. Because I no longer trust this company with my card information. If someone can please help me get this situation resolved I would greatly appreciate it- thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #
Product: Credit reporting or other personal consumer reports

My name is a XXXX XXXX business and my business is copyrighted and trade marked I give them permission to use my copyrighted trade marked business on anything as such
Product: Credit reporting or other personal consumer reports

I filed a FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXXXXXX XXXX credit card opened on XX/XX/XXXX. 
XXXX  charge card opened on XX/XX/XXXX. XXXX opened on XXXX XXXX XXXX XXXX opened on XX/XX/XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws The credit bureau are not removing these negative items of my credit report I will sue XXXX Equifax and XXXX if these negative items arent removed. They violated my credit consumer protection rights too many times.