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

While reviewing my most recent credit report ( XXXX ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Afni reported this old XXXX account on my XXXX and XXXX credit report originally back on XX/XX/XXXX. This account was disputed and removed from both credit reports sometime between the original date reported and XXXX. On XX/XX/XXXX this same account was added back to my credit report under Afni. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows them to report this information back on my credit report. To resolve, I did try to pay for a delete to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX
Product: Credit reporting

I called Experian on XXXX/XXXX/XXXX to try to have them remove a Judgement off of my husband 's credit report. Because it was filed XXXX but we were never contacted about it and it is holding up a Loan we are trying to get to Refinance our Mortgage. I was told they can not take it off until XXXX/XXXX/XXXX. So I filed a dispute with them today asking again for them to remove it because We never knew anything about it and the said Plaintiff XXXX XXXX XXXX XXXX. is no where to be found. Not fair to ruin our credit when we Do not know if it is even ours.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to TransUnion stating there were some violations and the report needed to be updated. I received a letter stating Updates were made but nothing relevant to the violations were updated For example : XXXX XXXX XXXX  XXXX failed to enter a Notice of Dispute within 30 days of XX/XX/year> and also XX/XX/year>. 

The FCRA clearly states in Section 623 ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

XXXX XXXX XXXX illegally re-aged this account by updating the date of last activity to XX/XX/year>. 

I do not believe there was any investigation that took place and the FCRA clearly states in 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Please reinvestigate these XXXX accounts for violations and if they are in any way inaccurate, inconsistent, incomplete, or unverifiable they must be removed from my credit report. 

According to the law I have a right to a complete and accurate credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am XXXX XXXX XXXX. Social Security XXXX only XXXX. XXXX eligible recipient. 

XXXX. My Primary heat source, XXXX XXXXXXXX XXXX was disconnected XX/XX/2022, due to nonpayment. The accumulated disconnect amount far exceeds my monthly fixed income. 

XXXX. XXXX XXXXXXXX XXXX XXXX my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to a collections agency, First Point Resources, XX/XX/2022. 

XXXX. XXXX refuses to allow me to reestablish/start new services. ( They are demanding I pay them directly for the debt which they sold to the above referenced collections agency. ) There is no heat in my home. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX Reach us by phone XXXX
Product: Money transfer, virtual currency, or money service

I needed to pay someone via zelle, however they provided me the wrong number, I submitted the payment. the person I was supposed to send the money to caught the problem and alerted me. I immediately called XXXX XXXX XXXXXXXX to let them know that I had accidently sent money to someone and if they could please contact them to get my money back. We knew the receiving bank was Wells Fargo. The person that wrongfully received the funds was willing to give it back, but Wells Fargo and XXXX XXXX XXXXXXXX did nothing to help me even though the person that wrongfully received the funds was willing to return it if only wells Fargo and XXXX XXXX XXXXXXXX had reached out to him or deducted the funds from his account. I lost the money, was unable to get it back. the banks didnt help at all.
Product: Debt collection

Comenity XXXX XXXX credit card which was paid and closed caller XXXX ( XXXX ) XXXX is trying to say I have a debt that is more than 10 years old and closed
Product: Credit card or prepaid card

On XX/XX/XXXX Without receiving a letter or phone call, my Barclays XXXX XXXX XXXX was closed. 

When I called to discuss the matter with customer service, they said they sent a letter on XX/XX/XXXX notifying me of the closure. 

The reason they gave me over the phone was that I had 6 inquiries and 2 new credit cards opened after I opened this XXXX XXXX account in XXXX. I have never been late on this cards or any other credit cards payments. I even have an overpayment credit with this XXXX XXXX. 

When I was invited by mail to open this card in XXXX of XXXX, I accepted and received the card shortly thereafter. Receiving an inquirie on ones credit is XXXX when opening accounts like this. So when I opened this XXXX XXXX I naturally received an inquiry as well, and also paid their annual fee of {$490.00}. 

Nowhere in the terms and conditions of this card does it say that, once I open this XXXX XXXX, I Los my federal right to apply for and open 2 more credit cards, which are all in excellent standing and with never a balance carryover to the following month. I am the prime candidate for a credit card of this manner. In addition, this XXXX XXXX has a credit limit of {$5000.00}, which is much smaller of a balance than any of my other cards. 

Since this leaves no true and legal cause for closure of my account in excellent standing, it leaves me no other option than to suspect that I was targeted and discriminated against for being of Armenian ethnicity. 

The XXXX who helped me was from the XXXX XXXX of XXXX, his first name is XXXX, and his Customer Service ID number that he provided is XXXX. Please help me get to the bottom of this u fair consume practice and hopefully not allow this to happen to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX  XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$1300.00}
Product: Mortgage

My balance was {$85000.00} XXXX XXXX to XXXX and 1 loan now it s 2 loan and did not have a new mortgage in XXXX, and i did not have a modification in XXXX, XXXX, XXXX and i never concatacted middle riddle telephone internet and mortgage crime company nor any title money and i never did a partake out
Product: Credit card

I made an error when paying my American Express XXXX XXXX XXXX credit card in XXXX of XXXX. The bill was XXXX I paid XXXX, XXXX short. Amex charged me XXXX I called XXXX XXXX on XX/XX/XXXX and talked with XXXX who explained what happened. I asked if he could waive the fee. After putting me on hold, he came back and asked me if I received my statements? I responded afirmatively and he put me back on hold. After XXXX minutes he came back on the line and told me my request was denied. I asked him to explain to me how the interest charge was calculated and he explained that its calculated on my entire balance, not just the outstanding amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Indiana they only supposed to go back 7 years. But they went back all the way to XXXX and provided the company I applied for with all that information. I applied in XXXX. They should of only went back to XXXX. I've contacted them about this. And they wrote me a letter saying that the info was gathered from public records (??? ). Anyways I gave up hope untell I came across this site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a business loan for my XXXX  and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX/XXXX  XXXX. XXXX  XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  , XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill is medical bill from XXXX XXXX  the new laws indicate no show on report. It appears the debit was obtained in XX/XX/23 with the deceit to appear as non medical bill and continue to show on report. I am requesting all medical bills be removed immediately thank you
Product: Debt collection

I made mention that i have never owned a XXXX  XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX  XXXX, XXXX and also to XXXX XXXX  XXXX  with no luck. I have no idea who could have done this under my name.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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, credit repair services, or other personal consumer reports

My correct name is XXXX XXXX XXXX My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$550.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX : Balance : {$2000.00} Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$410.00} Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$9.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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, credit repair services, or other personal consumer reports

Collection account has been paid in full on XX/XX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX 0 % Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 0 % The XXXX XXXX XXXX {$60.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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

I am trying to improve my credit score to purchase my 1st home as a XXXX XXXX XXXX TransUnion will not removed accounts that I have completely paid off and an account that was paid as a charge off. When I tried to get a loan to help my XXXX XXXX the bank denied it saving to many revolving accounts. I have currently paid off the following accounts in full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} There were also a few other accounts with XXXX XXXX I would like for the accounts to be removed to better my credit score. I also wrote XXXX XXXX and asked them to forgive give my late payments due to the XXXX timeframe of XXXX. I caught XXXX XXXX XXXX XXXX XXXX XXXX my husband suffered a 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
Product: Vehicle loan or lease

My auto loan with Chrysler Capital reached maturity in XX/XX/2021. I contacted Chrysler about the loan and asked what did I need to do? I was informed that I should continue to make my monthly payments until the loan is completely paid. I have continued to make payments and received a default letter on Saturday, XX/XX/XXXX, I received a default letter informing me that I must pay {$9500.00} by XX/XX/XXXX or face possible repossession of the car. I contacted Chrysler asking if I could continue to pay the monthly car payment and was told yes, but the car would eventually be repoed. I asked for a loan modification, but my request was denied. I asked again what are my options and I was not given any other option except to pay the balance in full or turn the vehicle in as a voluntary repossession or it would be repossessed involuntarily. There are currently about 17 payments left on the vehicle of which I was looking forward to completing as I continued to make payments. They have charged off on my credit over {$14000.00} and are not willing to resolve this fairly. It's showing charged off, but they continued to accept my monthly payments. Please advise.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$870.00} XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$230.00} XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$870.00} XXXX  XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$940.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to Chexsystems. They never responded with my request.