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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

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

I just received my recent credit report, and I found an unrecognized inquiries on my XXXX credit file. 


It's an opened account for credit monitoring. I do not have an account with them. XXXX never extended me no line of credit. 
It's an Account Review Inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful for the actions taken by the Credit reporting Agencies in removing a portion of the disputed fraudulent accounts and information off of my Credit File. However, upon reviewing a copy of my updated Credit report, I am baffled to see that a lot of new fraudulent items have appeared and there are still a lot of previously disputed items that remained. In accordance with the Fair Credit Reporting Act section 605, I am submitting this CFPB Complaint to request that the Credit reporting Agencies remove the disputed fraudulent accounts and information off of my Credit and update my Credit File in order to report accurate information only. Please remove the following items off of my Credit File as soon as possible : 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 These items are unknown to me. Also, the information that some Credit Bureaus provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

There were several fraudulent transactions made on my account to the tune of around 8 thousand dollars. I contacted my bank and my fraud claim was denied. I was told it was denied because the transactions were initiated at the same IP address. I explained that I did not initiate or authorize the transactions and the fact that they were done on the same computer does not mean it was not fraudulent. It made no sense what I was advised. My claim was denied I went to the bank they advised to file a police report. 

I filled out a police report and received a call from the police who were surprised the back had not done anything. I am a first responder a firefighter and I work very hard to make a living. I have been with Bank of America since 1998 for over 20 years and have always kept my accounts in good standing and had no issues. 

I am extremely disappointed that they have left me unprotected and will not reimburse the fraudulent transactions on my account.
Product: Debt collection

On XX/XX/year>, I submitted a complaint on the Consumer Financial Protection Bureau 's website about several problems regarding Experian conducting poor investigations on my disputes. After I submitted my complaint, I received a response from Experian stating that, " we appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. It is our policy to respond to consumer disputes swiftly and to take each one seriously. '' Experian has viewed my complaint but has yet to provide a response, nor has taken any of my disputes serious. On XX/XX/year>, only three days after I submitted the complaint on the Consumer Financial Protection Bureau 's website about several problems regarding Experian conducting poor investigations on my disputes, Experian sent notifications that they updated and verified 3 accounts that I disputed without giving me their proper method of verification which by 15 USC 1681i states that if I request it then they have to provide it within 30 days, which they haven't. Experian is indeed conducting frivolous investigations and are committing fraudulent activities. These disputes on my credit profile should have all been investigated properly and they weren't. If they were investigated properly, my credit report would be accurate. I've called every single company that is reporting to my credit profile requesting a legally binding contract with my signature stating that I'm in agreement with them and they all have stated that they DO NOT have said contract. So, why is it that Experian is still reporting these to my credit profile? Simply because they are not conducting PROPER investigations, therefore harming me and millions of others financially. Not to mention, I've called their customer service number to speak with someone directly and I can never reach out to a live agent. Something has to be done about this immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed SEVERAL times with Equifax and with this company reporting 33 items on my credit file which are as follows 29 ITEMS ALL LISTED THROUGH XXXX XXXX ALL FOR XXXX 4 ITEMS ALL LISTED THROUGH XXXX XXXX FOR {$150.00} I DO NOT OWE THIS COMPANY ANYTHING. I NEED HELP
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I have blocked but continue to call multiple times. 
XX/XX/23 XXXX XX/XX/23. XXXX XXXX, XXXX, XXXX XX/XX/23 XXXX, XXXX, XXXX Never applied in past have called continuious times and woke me @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit with Experian.com. I was very upset. there are Accounts that I did not Authorize I don't understand how this is Possible I work very hard. I'm a XXXX  XXXX  with XXXX Kids That I have to support Making sure that I create a good life for them. I want to be able to purchase a New Home for them, as I begin to start my process I Decided to check my credit, this is when I notice that I have been a victim of Identity Theft. 
I would like this Matter to be resolve, and have these items removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud I see several inquires on my credit report in which I did not provide my information
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX : {$480.00} XXXX  XXXX XXXX XXXX : {$140.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$1400.00} XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX Balance : {$480.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Debt should be updated as stating paying as agreed it is included in a debt consolidation program /attorney to pay off by XXXX XXXX XXXX XXXX all collection activities should be suspended.
Product: Debt collection

XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : LVNV Funding LLC ( XXXX XXXX XXXX, XXXXXXXX XXXX  ) Account number : XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to presentation ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX ( XXXX XXXX  XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute for fraudulent accounts being reported to my Transunion credit report on my online Transunion XXXX XXXX account and uploaded all of the necessary documents including previously filed FTC reports and CFPB reports supporting my claim also documentation verifying my identity and proof of residency during the time the fraud occurred opening the fraudulent accounts and shortly after submitting I then confirmed with a Transunion XXXX over the phone I should receive any updates and results by email. Days later XX/XX/XXXX I noticed a reinsertion of a fraud XXXX account that resulted from disputing their collection account which is under XXXX MANAGEMENT that was already included in my dispute of XX/XX/XXXX so I reached out to Transunion again and the rep looked over my ftc reports and confirmed XXXX as the original creditor so that account was attached to my initial dispute filed XX/XX/XXXX hence the reason why I now have XXXX file numbers that are ( XXXX and XXXX ). I received correspondence from XXXX XXXX XXXX  XXXX, and XXXX that XXXX account I initiated a dispute with on XX/XX/XXXX which is under the name XXXX XXXX has been removed in my favor from my Transunion report between the dates of XX/XX/XXXX and XX/XX/XXXX, todays date is now XX/XX/XXXX and Ive spoken to NUMEROUS reps from Transunion claiming that XXXX XXXX is still under dispute investigation and has not been removed from my Transunion report which is CLEARLY FALSE I will be attaching proof that XXXX XXXX has been removed from my credit profile in my favor without any correspondence from Transunion nor taking responsibility for not updating me as the consumer of completion of dispute process, denying the dispute was finalized for the removal, and now claiming to have no record that the account has been removed on their end AS THE CREDIT BUREAU.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. please delete an remove all inaccurate data that is hindering my file. asap.
Product: Credit card or prepaid card

Portfolio recovery bout my charged off paid of debt from XXXX XXXX. XXXX continues to harress me about this chsrge off. It should be remove from my credit report because it is illegal to continie to harass me
Product: Credit reporting or other personal consumer reports

The following account is being reported inaccurately. 
XXXX XXXX XXXX Account # XXXX is reporting a balance. This account was sold to the following third party collection agency XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX. 

I received letters and phone calls from this company. 

This account should not be reporting a balance if the account was sold to a third party.
Product: Credit card

Opened a Capital One Savor One credit card XX/XX/2023. I received the card and days later two unauthorized transactions were recorded on the account. I reported the transactions while they were pending and Capital One was able to stop the transfer of funds. ( XXXX, {$420.00}, and XXXX, {$71.00}, these transactions were previously reported through this website ). Capital One cancelled the card and mailed out a new card. I activated the card and ordered a XXXX XXXX XXXX through XXXX  for {$23.00}. Apparently, the seller/shipper failed to ship the item and XXXX refunded the transaction amount to the card, however, in the exchange of confusion, Capital One closed and/or restricted the account. 

Capital One issued no letter or statement regarding any reason for the denial of credit. I am requesting an investigation because I believe an unidentified person has accessed the account using my social security numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter with a list of unauthorized inquiries they literally never responded back it's been over 45 days since I sent the letter out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Collection Closed {$8200.00} Reported XX/XX/XXXXXXXX XXXX XXXX Collection Closed {$600.00} Reported XX/XX/XXXXXXXX XXXX XXXX  30+ days late Closed {$0.00} Reported XX/XX/XXXX Installment XXXX XXXX On time Closed {$0.00} Reported XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a XXXX of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX, I applied for an apartment lease only to be told I needed to pay a double deposit due to credit. To my knowledge I had a decent score of around XXXX last is checked. The complex advised they used Equifax for credit. When I pulled my Equifax report I found that my name and date of birth had been changed without my knowledge or consent. Upon calling Equifax, I was asked for ID, SSN card or birth certificate. All were provided and yet my information was not corrected. After more than 20 calls and numerous disputes of a {$120.00} charge on my credit that doesn't belong to me yet still remains, I was advised a creditor had updated my information but I refused the name of the creditor and the date of the update. I contacted the creditor of the erroneous charge on my credit report and was told the debt was incurred in Alabama by someone of a different name than me. I've never been to nor lived in Alabama. Not do I know anyone who lives there. During my last call to Equifax in XXXX, I was advised by an agent that my Texas drivers license, SSN card and birth certificate were all there but unusable at this time to correct my credit file because they were received in XXXX. Now, they've frozen my credit file and have made no updates since XX/XX/XXXX. I'm unable to submit disputes by phone or online and the information they have of record does not match any other bureaus. I believe I was either a victim of their data breach wherein they mixed my file with another person 's or they've erroneously changed my information and refuse to correct their error. Either way, it has impacted my ability to obtain credit and has cost me significantly more to live everyday life. This is my second written complaint to you as the first was closed without a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with AMEX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with American Express. I tried contacting both XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX went to a XXXXXXXX XXXX  bank branch to open a business credit card. With the assisance of the XXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX  branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,