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

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XX/XX/XXXX
Product: Vehicle loan or lease

I paid this loan off, but they are still showing a charge off amount on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TranUnion 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 personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a lease account opened personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a lease account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX collection accounts with XXXX XXXX XXXX opened XX/XX/XXXX under account number ( XXXX ) and ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries and fraudulent accounts listed on my credit report. These inaccuracies are a result of identity theft and do not reflect my financial history. I request an immediate investigation and removal of these erroneous items to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old accounts open dates keep changing
Product: Debt collection

I sent a router back to XXXX and they claimed I didnt send it. I used the label they sent and it was mailed back by XXXX. 
Ive already disputed this with the other credit companies and it has been removed, but XXXX XXXX refuses to remove it because I rejected paying them for credit protection. This dispute was already proven to be false last year and XXXX XXXX, the only agency that refused to remove the collection, still doesnt care if they lower my credit score! These corrupt XXXX  demand money or your credit rating will suffer!!

This router was sent back and in the XXXX XXXX XXXX in debts I paid off in the last 3 years, its insane not to pay the XXXX XXXX  if I actually owed it! I dont owe this debt!!!!
Product: Debt collection

I have been receiving numerous robocalls each day from the number XXXX. I have called this number back previously, and told whoever answered the phone to STOP CALLING ME. 

Today, I called that number again, and got XXXX XXXX on the phone. I told him to stop calling me, that I was on the Do Not Call list, and that we have no business together. 

He said it was n't a sales call, so he had every right to continue calling. So I asked what the purpose of the call was, since we do n't know each other. He said he was given my number as contact information for someone he was searching for. He said a name, which I believe was XXXX. He refused to indicate the nature of his call or the reason for the ongoing harassment. 

I told him nobody by that name was associated with me or my phone number ( any XXXX could XXXX and confirm it ). I then guessed " Debt collector! '' and he refused to respond. 

I then asked for all his contact information. This is the info he gave : company name XXXX, mailing address XXXX XXXX XXXX XXXX, CA XXXX XXXX I am *assuming* the above information is correct, but have no way to verify it. He could be a total lying scammer pretending to be from XXXX ( which is, as it turns out, a debt collection company! ). Or, he could just be a XXXX employee doing lazy, sloppy work. 

I am sick of being harassed about a debt that is n't mine.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EGUIFAX HAS DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. THE FOLLOWING ADDRESS ARE INACCURATE AND NEED TO BE DELETED IMMEDIATELY : 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 XXXXXXXX THE FOLLOWING PHONE NUMBERS ARE ERRONEOUS AND INACCURATE AND NEED TO BE DELETED IMMEDIATELY : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have 2 Capital One credit cards, today I closed the platinum card resulting from multiple charges from the same creditor, XXXX XXXXXXXX XXXX. This XXXX charged my original card number twice which I reported to Capital One and they were supposed to block XXXX from future charges to my new card number. Then I was charged again 3 weeks after activation of the new card, I called Capital One again and again they said the same thing and resent another new card. Now 2 months later and again XXXX has another charge pending on my account. I called Capital One and closed this account! There needs to be some major reprocussions to stop this. Currently my quicksilver card is still active until it gets hit with fraud, I've had this account to rebuild my credit after a bankruptcy. I fully believe Capital One is responsible for giving my information out for profit!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is happening with XXXX XXXX XXXX XXXX they were taking payments from a different account and applying payment to that and not the car loan. Then they would report the payments late. They even had both my car repossessed and charged an ungodly amount to get them back. This has been happening since 2016 and we have been working with them to clear this up and nothing has happened.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX - XXXX {$4900.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00} XXXX - XXXX {$4900.00} XXXX - XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  - XXXX {$1500.00} XXXX  - XXXX {$1700.00} XXXX - XXXX {$620.00} XXXX - XXXX {$2300.00} XXXX XXXX XXXX {$550.00} XXXX XXXX  - XXXX {$6300.00} Accounts : XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The XXXXhree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Kindly remove the listed items from my file immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XXXX and XXXX XXXX have a loan at Republic Finance XXXX XXXX XXXX XXXX, in XXXX, Mississippi. Phone # XXXX. We have our payment sat up on AUTOMATIC payment to come out the XXXX Wednesday of every month. We take the Money from my XXXX check and put it there for Republic Finance to take out. It has always been this way for 3 years. On XX/XX/2020 Republic took the payment out early which there was not any money there to be taking out. This was on a Monday. Monday morning I looked at our bank account and notice the loan payment had been taking out. Was not due for 3 days. I called Republic office to ask them why they took the payment out. I talked to XXXX XXXX about it. She said she didnt know it happen and would call me back. She called back and said she put it in Friday to be taking out. We got charged a overdraft for it. XXXX and I ( XXXX ) went down to see her about it and told them to pay the overdraft. They gave us a check for {$37.00} to pay overdraft. We told XXXX XXXX that we was not going to take it off automatic payment and it better not ever happen again. 
On XX/XX/2020 XXXX looked at our bank account and again Republic had taking another payment out of our account and it was not the day to be taking out. She called XXXX XXXX again about why they did it again. Same excuse as before, she put it in to take out. XXXX told her to take it off automatic payment and have the paper ready to sign that afternoon for her to sign and she would be there after she got out of school. XXXX couldnt get anything but excuses but no real answer from XXXX to why it happen. XXXX called the Corporate Office and talked to a lady name XXXX at # XXXX XXXX. XXXX told her she would have XXXX XXXX ( Regional Manager ) call her back. XXXX talked to him about the payment problem and what had happen on XXXX XX/XX/2020. Nothing but excuses from him also. As she talked to him about it, she said something about it happening before in XXXX. He didnt even know about it. After talking to him, come to find out it was sweep under the rug so it looked like no one would know. XXXX told him she was going to the office that afternoon to sign a paper to get the automatic payment taking off and to get another check for a second overdraft. XXXX went to office to see XXXX XXXX and the girl up front said she went to lunch. Who goes to lunch at XXXX knowing she told her she would be there that time. They tried calling her and she wouldnt answer her phone. She has not contacted us yet. Nothing. We did take it off automatic payment anyway. But we still have not heard from her or anyone about this problem. We hope we can get help and something is done with CFPB Thank You XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received an email ( XX/XX/XXXX  ) from Chase Bank stating that " Your new Chase Freedom Unlimited credit card ( ... XXXX ) and welcome kit are on the way and should arrive in 5 to 7 business days. '' However, I never applied for any card in recent months. I called the bank and cancelled it today. What is bugging me is how these companies can issue a credit card without verifying that whether I have applied for a card or not. To make things strange is someone used my name, email, home address and the social security number. According to the operator, card was being mailed to my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Spoke to this company twice last month just to have them disrespect FCRA, CFPB and Metro 2 reporting Standard altogether this company does not even have my current correct last name on file ( Inaccuracy ) however they want to act as if this alleged paid collection is reporting accurately EOS CCA has been told to remove this debt multiple times but it does not budge it is very inaccurate and the fact that when i paid the alleged collection account under Threat duress and coercion it ( was on my credit report bringing my score down ruining my quality of life. ) They told me that they would remove it from my credit report upon payment but obviously didn't. It reports paid but the payment status says collection or charge off I disputed this account as recent as last month requesting the Date of first major delinquency no response and look at the Status date on experian and transunion INCONSISTENT 2018 showing proof EOS CCA did not notify BOTH the Credit Bureaus of my disputes or the Credit bureaus did not look into investigating my disputes. IT has 3 dates of last activity on each bureau showing proof of reageing the erroneous account WHERE IS THE CONSISTENCY
Product: Credit card or prepaid card

My credit limit was lowered by {$150.00} because the minimum payment for  XXXX  was not  paid on time. I have since paid it, and I 'll admit that it 's about two weeks late. However, I do n't think I should be penalized in this way because my payment was two weeks late. I have had this best buy card for 9 years and I have never gone over the limit or missed a payment. But, the continuously lower my credit limit, diminishing my credit score. This is not fair and it shows that the company has little interest in helping consumers strengthen their credit profile. What it does suggest is that the company is actively engaging in practices that minimize a consumer 's credit profile. As a result of this change, my debt to credit ratio will be impacted, further driving my credit score down. I have worked hard to pay my bills on time and despite how Best Buy is treating me I continue to patronize the company. But, this type of behavior is telling me business is not appreciated and maybe I should take it elsewhere.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from Experian and XXXX. 

Please delete the following XXXX XXXX  XXXX XXXX Account Number : XXXX Balance : {$830.00} XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$3000.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX  Account Number : XXXX Balance : {$73.00} XXXX XXXX  Account Number : XXXX Balance : {$610.00} XXXX  ( Original Creditor : XXXXXXXX XXXX  XXXX Account Number : XXXX Balance : {$4100.00}
Product: Checking or savings account

On XX/XX/2021, I noticed that XXXX purchases had been placed on my Chase Bank account for the prices of {$990.00} and {$2600.00} paid to " XXXX XXXX '' and " XXXX XXXX '' respectively. I had never made these purchases, nor had I ever heard of the business the payments were made to. I immediately contacted my bank and was told that a telephone transfer had occurred on XX/XX/2021, in order to transfer {$5000.00} from XXXX of my accounts to the other, then these XXXX purchases were made immediately after. I informed the bank that I had not made these purchases, I was told they would give me back my money and I changed my account and password information and got a new Debit card. 
Believing the situation had been resolved, I didn't think any more about it. A few days later, the money was placed back into my account. I thought it was over. Today, XX/XX/2021, I awoke to find that the money had been removed from my account once again. I found out that my fraud claim had been reversed and the bank had decided that these charges were authorized. I never authorized these charges, I still don't even know what the company who charged me does or makes, and I was told there was nothing Chase could do about it because whoever made the phone call to transfer the money was authorized through their automated system. I do not know how this is possible, who called the bank, or how they knew enough of my information to convince the bank they were me. I am attaching to this report the statement made by Chase bank claiming they determined these charges to be authorized, despite them not having been authorized by myself.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> upon reviewing my credit report, I see several accounts listed in which are detailed below which have violated multiple provisions of the FCRA,605,607, 623,616,617 and other applicable consumer protection laws. Due to these violations I request the immediate removal of them from my report. I am also seeking monetary compensation of XXXX per violation the negligence in investigating has prevented me from securing credit opportunities and unfairly impacted my financial standing. I have listed the accounts and the violations. 
XXXX : XXXX XXXX # XXXX Violation : 15USC 1666, 15USC 1666 ( b ) 2 XXXX XXXX XXXX XXXX XXXXXXXX Violation : 16USC 1692g 3 : XXXX XXXX # XXXX Violation : 15USC 1692g 4 : XXXX XXXX # XXXX Violation : 15USC 1601, 15USC 1681 ( c ) ( 2 ) 5 : XXXX XXXX XXXX XXXXXXXX Violation : 15USC 1692 ,15USC 1692g 6 : XXXX XXXX XXXX XXXX ( XXXX  ) Violation : 15USC 1681 ( c ) ( 2 ), 15USC 1692g 7 : XXXX XXXX # XXXX Violation : 15USC 1681 ( c ) ( 2 ), 15USC 1601 In addition the following institutions have violated 15USC 1681 and require immediate deletion. XXXXXXXX XXXX XXXX unauthorized inquiry, XXXX XXXXXXXX unauthorized inquiry, XXXX XXXX  XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry.
Product: Credit card or prepaid card

Dear Sir/Madam, I have an excellent credit history and recently was approved for the Capital One XXXX credit card. I received my card and activated this and tried to purchase a bookcase from XXXX XXXX. My Capital One credit card was restricted and I called Capital One customer service to inform them that I am making this purchase and to unrestrict my credit card. The customer service agent stated that there was nothing that she can do and that I will have to wait for 7 to 10 business days for the restriction to be uplifted. I have Bank XXXX XXXX XXXX XXXX and have had no issues, and you can resolve restricted access by texting or contacting the bank. I will cancel my Capital One credit card, but I never expected such fraudulent behavior from a " reputable '' bank. I suspect that Capital One is deliberately restricting access without having to provide an explanation to the customer to make it difficult to receive the sign-on bonus when you make purchases within the first 4 months. 

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

ON XX/XX/2022, Sent a letter to XXXX, XXXX, and Experian, XXXX informing them the information they are report to my consumer report is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable items below : 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