23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts on my credit report are causing me severe problems in trying to purchase a home. 

I already reached out to XXXX, XXXX, and Equifax. I will attach the letter I wrote to them.
Product: Debt collection

ReferenceXXXX This debt is not mine. I would like an itemized receipt showing what this debt is for. I have not had any medical procedures recently that I was financially responsible and I believe this debt is supposed to be paid for by XXXX XXXX XXXX Im not sure what this debt is for and would like proof of services to either verify or deny this debt.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of specific information from my credit file. I have attached a XXXX document detailing the items that need to be deleted. I am a victim of identity theft and have discovered multiple accounts and inquiries on my credit report that I did not apply for.

To support my claim, I have reported this identity theft to the Federal Trade Commission and enclosed copies of the report. I kindly ask that these inaccuracies be removed from my credit report to ensure it reflects only accurate information.

Please block this information in accordance with Section 605B of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a fraud I mailed the identity theft report with a copy of my identification to all companies.
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 use 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Vehicle loan or lease

I opened a car loan with Hyudai Motor Finance ( HMFUSA ) 2 years ago in the state of XXXX XXXX. I moved to XXXX on XX/XX/XXXX and went to my local DMV on XX/XX/XXXX to get my new driver 's license and registration. I had contacted HMFUSA the week before to see what I needed to do to obtain the out of state title transfer and where to mail the request. They said I needed to respond to a secure email and that they would send me all the information they would need, which they sent right away and I immediately responded to the email with the requested information. They also gave me the address to mail the written request and I gave that to the DMV and they said they would request it. I called HMFUSA 2 weeks from then to check on the status and was told something was processing? I called back the next week and was told the same thing. The next week when I called, I asked to speak to a supervisor and they gave me a " SPECIAL AGENT '' who said they did not receive anything from me or the DMV, and I was also told I could not speak to anyone in the Title Department because they don't have an extension. I was beginning to get frustrated and was asking him why the previous agents were saying something was processing but he kept talking over me and then ended up hanging up on me. He did tell me there are many people waiting and I am not the only one. Now it's a month later and I called again last week and asked them to resend the secure email to me so I could respond again, I also got their fax number and my local DMV said they would fax the request to them and then I personally mailed the request via certified mail to them. I was told I would have to wait 48 hours to call back to see if they received any of these requests. 2 days ago on XX/XX/XXXX, I called HMFUSA and after speaking to someone who said she could not see anything pending or processing and that I should make the request online through my account. ( There is no way to do that, and I would think the agent would know that )! She then transferred me to a special agent again and I believe it was the same XXXX young man I spoke to before and hung up on me because he said the same thing like he was reading from a script. He could give me no information whatsoever! I have read reviews from people that have and are going through the same thing with this company and were told the same things as me. I am concerned that the state of XXXX will contact me because I no longer have XXXX insurance, but still have their plate on my car. HMFUSA agents have lied to me that my request was processing, and that they have never received anything from me or the DMV but then in the next breath, they tell you that they can't call the title department, they ca. n only email them. I was told by one of the agents that he was sending an em to escalate my request. The State of XXXX gives 30 days to transfer registrations and I am well over that and I started the process 3 days after I moved on XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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. 

I sent XXXX, Trans union, and XXXX a reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I've added tracking numbers for letters, TransUnion # 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.

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. I've attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed via USPS tracking a letter addressing my concern on a XXXX XXXX  account # XXXX of what was reporting on my credit file. It was received by Experian on XX/XX/2021 I failed to get any response I once again mailed out a letter letting Experian know that it was reporting questionable data and yet they ignored my initial letter and my second letter as well. At this point after never responding and doing a proper investigation the derogatory listing needs to be removed.
Product: Credit card

XX/XX/2023 {$710.00} I have disputed this transaction awhile back, I did not get any confirmation for this dispute case. I have no information besides the screenshot attached saying that there is an existing case but I find no information about the status of it. I have proof that a credit is due from this merchant but Barclay hasn't responded to me at all.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting multiple adverse accounts on my credit report without any verification and consent, In which is infringing on my right to privacy pursuant to the Privacy Act of 1974. 

The account named XXXX XXXX XXXX, Account Number : XXXX, is adversely reporting inaccurate information. Such account contains an alleged debt in the amount of {$1500.00}. Such debt being reported is an alleged debt, I do owe any amount of such alleged debt. 

In addition, The credit reporting agencies are also adversely reporting account name XXXX XXXX XXXX XXXX, Account number : XXXX. Such account is illegally reporting private student education records between me, the Consumer and XXXX XXXX XXXX XXXX. The account was paid in full, closed as of XX/XX/XXXX and has been for the last five years. Such account contains private transactional history and other private information. The information being furnished is completely inaccurate, infringing upon my right to privacy and is in violation of the federally enacted law XXXX XXXX Rights and Privacy Act of 1974. ( 20 USC 1232g ) I have the right to make sure my private information isn't shared and that the information being furnished on my credit file is 100 % accurate and does not damage, impact, or destroy my character, reputation and livelihood. 

15 U.S. Code 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, Experian and XXXX are not maintaining reasonable procedures. Their failure to do so has caused severe damage to my personal and household financial stability and mode of living due to the misleading, inaccurate and adverse information being reported on my credit report.

If such items are found to be inaccurate and/or can not be verified by the original signed consumer contract within 30 days of receiving this notice pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) such items must be deleted from my file.
Product: Checking or savings account

Im filing a complaint about chase bank. My name XXXX XXXX. I have 3 established account with chase. I opened a business account with chase Around XX/XX/XXXX of XXXX I made a mobile deposit check for the amount {$2300.00}. This check was from one of my clients. The deposit went through according to my knowledge. Two weeks ago, while trying to make a purchase with my business card, it was declined. I called chase to see what the problem was. CHASE BANK told me they had placed a restriction on my account including money I already had in the account. They said the client only wrote partial of my business name and not the full name so they would need to verify the client in their database. They came back to me and said the phone number in their database does not match what is on the check so therefore, I would need to carry the client to the bank with 2 forms of Id or have the bank recall the check. I told THEM that the client is XXXX XXXX XXXX and home bound and can not go out unless hes goin to the hospital in hospital van. They gave me the option to recall the check. The client was able to recall the checK from his bank but according to chase, they never received the memo from the other bank to recall the check. Chase told me to wait a few days to see if the money will be recalled. But the next day after telling me to wait for the check to be recalled, they made the funds available in my account. I called CHASE BANK to see if the money was now available for me to use. CHASE BANK said even though the funds are available, they are not removing the restrictions and I also cant recall the check anymore. The only other way to get the restriction removed is to have y XXXX XXXX XXXX client go to the bank and verify. My client can not and will not leave the house. He lives in the county 2 hours from any CHASE BANK. Chase is now closing my account and holding the money till my client who is home bound comes to their bank to verify the check. I have other checks that the client has written me. Chase bank still refuse to call the man, refuse to call his bank. The only resolution is to verify a non verifiable number In their database or have the client come in a bank. My client can not leave his house unless being driven to the hospital by hospital staff. And I have no way to recall the funds now that they have made it available. dont believe this is a legal way to handle things and I need to find resolution to get my funds from CHASE BANK . The funds were supposed to go to employees. I had to come out of pocket because of the inconvenience that took place with CHASE BANK.
Product: Credit card or prepaid card

I purchased a {$500.00} Vanilla Visa gift card for my son for graduation. When I opened the card, I realized it is defective ; some of the numbers have been removed from the card. 
It appears they were intentionally scratched off. The outside packaging was fully intact so the damage would have been done prior to shipping to the store. 
I immediately returned it to the store I purchased it from ( XXXX ) but they said I'd have to contact Visa directly. I then called the number on the back of the card. Although they didn't have a prompt for a defective card, I kept pressing numbers until I was finally able to speak with someone. 
The representative instructed me on how to file a complaint. I emailed photos of the card, etc., as instructed. 
The representative said the problem would be solved within 30 days. 
This was on XX/XX/XXXX, which was over 70 days ago. 
The company has not responded. I have emailed and called several more times but after long periods of holding the line, I am told they are working on it. Obviously they don't care that they sold a defective card. 
My son is leaving for college next week and needs the money. 
I'm not sure what more I can do. 
I'm hoping you will assist with this matter. Thank you.
Product: Debt collection

I contacted I C System on XX/XX/2020 to request a debt verification letter and was informed they could not give me one because the said account with a balance of {$3700.00} was in a " Recall Status '' as the original creditor, XXXX XXXX XXXX ( XXXX ) has recalled the account. So I asked why it was on my credit report as being owned by I C Systems and reported to XXXX XXXX on XX/XX/XXXX, if I C systems can not even take a payment from me? I was told to contact XXXX. 

I contacted XXXX immediately on XX/XX/2020 as well to request a debt verification letter and I was told I could not get one unless they receive an attorney letter on my behalf because their system has changed. So I asked how I could confirm and make payments towards the account and I was told that I could only get verbal confirmation now and even after the account has been paid in full I can only get verbal confirmation and nothing in writing, but the can take payments and send me email receipts of payments made but nothing written on outstanding and remaining balance even after payment has been made. Getting an attorney is an added burden and I am trying to resolve outstanding old debts not get into new ones.

This does not make sense. First of all, how can I make payment without getting a debt verification letter which I believe I am entitled to get. How can I pay the account in full without getting a letter that states the account will be reported as paid in full if the outstanding balance. Also, how can I pay the account in full and not be able to get a letter of confirmation that the account has been paid in full. Finally, how can I C System be reporting a debt that they can not legally take payments for. 

Doesn't a customer have the right to receive a debt verification letter before making payments without hiring an attorney? Doesn't a customer have a right to know who has the legal right to collect a debt and doesn't a customer have the right to a written agreement that a debt will be reported has paid in full after all payments have been made? 

The conversations with both companies were recorded by both parties and both parties were informed that the conversations were being recorded. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account listed below that has been reported under my name. I have never opened or authorized this account, and I am demanding that you investigate and remove it immediately :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XX/XX/XXXX - {$1000.00} Closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

XXXX XXXX XXXX has date of birth incorrect in their record as XX/XX/1996. 

this is invalid reporting. please remove from credit report.
Product: Debt collection

Debt was paid off in full XX/XX/2019. Carmax has inaccurate accounting Carmax is reporting the Charge off of XXXX. Carmax is documenting a charge off dated XX/XX/2019 of XXXX. Carmax refuses to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN is reporting my account inaccurately as if I am required to make payments and citing payments made in the past versus the statement that they should be making according to the law which is " Paying as Agreed '' I am deferred due to the fact that I am currently attending University and their error is negatively affecting my credit rating and job opportunities as I am close to graduation.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information.