23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 trafficking according to Trafficking-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 victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account : XXXXXXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$800.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I requested from Bank of America and was granted forbearance under the CARES act for my mortgage. It was explained to me that I had a 3 month forbearance, and that after that time I would have to make arrangements for repayment or to add it onto the back of the mortgage. I did not make payments during XXXX, XXXX, or XXXX. I sold the house and the mortgage was paid off on XX/XX/2020. I have discovered that Bank of America reported me 60 days late on my mortgage payment - the only late payment during the life of the mortgage! I attempted to call them and spoke to 3 or 4 individuals - I was " accidentally disconnected '' 3 times. I eventually was given a case # XXXX. My credit has been destroyed and my ability to get another mortgage is impaired due to this very recent bad report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiries in Dispute : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

I signed up for a Chase IHG Rewards Club Select Credit Card which offering a free night on any hotels worldwide ( unrestricted ) after each account anniversary year. However, I just received notice from Chase in XX/XX/XXXX that the free reward night will be limited to redemption values of XXXX or fewer points. 
I signed up XX/XX/XXXX and won't get to use an unrestricted night even once, even though that's what was advertised when I signed up for the credit card.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX { {$13000.00} } XX/XX/2022 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 1681 c ( 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, 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and Experian, XXXX, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX
Product: Credit card or prepaid card

So I made attempted to make a purchase in a store called XXXXXXXX XXXX  and swiped my car multiple times and every time it came up declined. I then seen the transition was pending on my card. I then contacted merchant who again assured me that transactions should not had went through. About a week later it went through. I then contact chime and filled a dispute they provided a provisional credit in about three weeks later took it back which me my account overdrawn {$920.00}. I called chime spoke to a supervisor, They closed my case. Come to find Out they never reached out to the merchant, they never contacted the merchant but was able to come up with a decision. I asked the supervisor how did they come up with this decision and he had no idea. Chime was very unprofessional and had no sense of the rules. I asked him how they were able to come up with a decision if they never spoken to the merchant and he had no answer for me. The supervisor kept advising me to send in another email to the disputes department to see if they want to re-open my case. 
My problem is it took me two seconds to contact the merchant and speak to them why couldnt chime had done the same thing. I dont have my money in the merchant doesnt have my money so chime obviously does. They refuse to give me my money and left my account in the red.
Product: Credit reporting or other personal consumer reports

These are all fraud and I did not authorize any transactions by this company ; whom I never disclosed my information and voice call to. I shall not be responsible for paying debt listed as this is error. Per FCRA all unverified and Fraudulent removedCHIMEFIN/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX XXXX XXXX Monthly XXXX Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of XXXXt Delinquency Date of Last Activity Date XXXX XXXX. XXXX Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$24.00} XX/XX/XXXX {$160.00} XX/XX/XXXX Status - Pays As Agreed ; Type of Account - Open ; Type of Loan - Secured Credit Card ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Secured Credit Card ; Fixed Rat
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX my twos money markets accounts were hacked at BMO Bank for a total of over XXXX. I caught it on Monday XX/XX/XXXX and reported it to BMO immediately. They told me they had fraud insurance and I would get the funds returned in XXXX to XXXX business days. It has been over XXXX weeks, the fraud department will not even talk to me. All the bank can tell me is that is under investigation. I also reported this incident to the XXXX Police Department and the Federal Trade Commission. I just want to get all my money back. The Banks job is to keep their clients money safe and they should have mechanisms in place to trigger any suspicious activities in customers account. The hackers were doing these transfers to XXXX for XXXX  days and they did not even notice anything out of the ordinary until I went to the bank on the XXXX and looked at my statements. I did not get a phone call or anything to ask me if I was the one making those transfers.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am writing to formally request the removal of certain information from my credit report. I am a victim of XXXX XXXX, specifically debt bondage, and as such, the debt listed below falls under trafficking-related debt.

In accordance with section 605C of the Fair Credit Reporting Act ( FCRA ), I kindly request that you block and delete the following information from my credit report within four business days : Account Name : Department of Education Aidvantage Balance : {$79000.00} Enclosed with this letter, you will find documentation from an advocacy group assisting me due to my status as a human trafficking victim, which supports my request for the removal of this information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me when the requested information has been blocked and deleted from my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/ To who it may concern, There was a breach with the Office of Motor Vehicles and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

At issue is a XXXX account from XXXX. The debt collection company, Stellar Recovery, is attempting to collect a debt that was never owed, and illegally trying to do so. 

The XXXX account in question was closed in XXXX or XXXX of XXXX and all equipment was returned to the local XXXX office. XXXX billed me for the equipment in XXXX XXXX, and I contacted XXXX to deal with it ( proving that I had returned the equipment ) to put the issue behind me, or so I had thought. 

Stellar Recovery must have bought this " claim '' against me in the past year because I started receiving an overwhelming amount of calls from them at all hours of the day. I told them that there was no claim here, but they continued to contact me until I told them to no longer contact me. 

I, again, thought this was behind me. I was checking my credit report today and notice that there is an unpaid collection that was filed in XXXX of XXXX by Stellar Recovery in the amount that they assert. Note, that even if Stellar Recovery had a valid claim, it was no longer legally enforceable because the Tennessee statute of Limitations had run its course ( limit of 6 years that runs from when the demand could have been made ). 

This is outrageous and unacceptable. Stellar Recovery is attempting to strongarm me into paying a debt that I never owed based on what is a clerical error at best, and an outright lie at worst. Moreover, as a company that specializes in debt collection, they are well aware of statutes of limitation, it is my contention that they are intentionally misrepresenting the collectability of the debt to the credit bureaus, and that the report should be removed.
Product: Debt collection

This person is reporting on my credit profile they are not liscenced or bonded to collect in my state. Extorting different amounts of one asking {$32000.00} and another asking & XXXX actively reporting most Recent dates as of XX/XX/2024 I have requested company to provide me with original agreement from original purchaser.
Product: Vehicle loan or lease

I have had an account with Santander Consumer USA since XXXX of 2016 i originally purchased the vehicle for XXXX the contract i signed was a 72 months lease. Although i have deffered some payments i noticed that i still owe XXXX i viewed my statements and all of my payments are going towards the interest loan theres no way that all of my payments down to the XXXX should be going towards the interest only. In these 4 years i have paid over {$32000.00} to santander and not XXXX cent went towards interest. I want either my money back or the title to this vehicle and the vehicle removed off of my credit report. below i have attached a copy of my statements that show all of my payments are going towards only the interest.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

On XX/XX/2015 I was granted a Chapter XXXX discharge of debt from the U.S. Bankruptcy Court, XXXX District of California which included two judgments awarded to XXXX XXXX and their subsidiary XXXX along with their collection agents XXXX XXXX XXXX and XXXX XXXX ; specifically, Case No. XXXX ) & (  XXXX XXXX. XXXX ). XXXX, XXXX and XXXX complied with the court order and removed the debts from my credit profile but XXXX XXXX and Hunt & Henriques did not and failed to release the liens they placed on my property despite having been notified by the court via First Class Mail and electronic transmission in XXXX of 2015. 

XXXX XXXX and Hunt & Henriques have and continue to abdicating their duty to me and the U.S. bankruptcy court despite multiple ( FAX ) requests from XXXX XXXX XXXX of XXXX, XXXX Processing and XXXX XXXX XXXX requesting compliance with the court order and release the liens. It has become clear that neither XXXX XXXX nor Hunt & Henriques have any intention to release the liens on my property so I respectfully request the CFPB to intervene to the fullest extent possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ XXXX XXXXXXXX XXXX XXXX .Date of Inquiry : [ XXXX XXXXXXXX XXXX ] .Credit Reporting Agency XXXX XXXX XXXX ] Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears.

2. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report.

3. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened an account with USAA in XXXX XXXX, and later closed it because I was XXXX while on XXXX XXXX with XXXX XXXX. I recently re-opened an account with USAA on the XXXX of XXXX, XXXX. On the XXXX of XXXX, of the same year, I was debited {$25.00}, and later on the XXXX of the XXXX {$140.00} and {$190.00} were debited. I called USAA to inquire why I was being debited and to request the evidence. USAA told me that they did not know, because since 7 years the database automatically erased my previous information. I told them they need to show me evidence of the reasons why they are debiting me, from the recently opened checking account and they said they do not have anything in the system. Nevertheless, they still debited {$360.00} from my account without a valid reason!!! I can not believe this, is this the way a veteran of 20 years of service ought to be treated?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past XXXX case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. Transunion and XXXX   said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date XXXX file number XXXX plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin XXXX court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the XXXX court does not report to the credit bureaus nor is it mandatory to have a XXXX  listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 

XXXXXXXX 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

I saw on my credit where there are a lot of hard enquires, that I did not authorize I bought a car in XX/XX/XXXX. I reached out to the credit bureaus and explain to them I am a victim of an identity thief provide them with police reports, XXXX and XXXX tried to work with me but Equifax refuses to even send me a credit report or removed the hard enquires that I did not sign for. I explain to the bureaus I bought a car in XX/XX/XXXX and did not try to buy a next one in XX/XX/XXXX of the same year for my credit to run and secondly, I consent to no one to run my credit for no auto loan in XX/XX/XXXX. So why is my credit being run in XX/XX/XXXX so many times by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' REPORTING ERRORS OF INCORRECT " PACER '' DATA / NOT MY ACCOUNT " PUBLIC RECORD/ BANKRUPTCY CH XXXX '', PUBLIC RECORDS OUTDATED REPORTING PAST 10YRS AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

These repeated companies are checking my credit and I'm receiving repeated consistent hits of inquiries. 
I have not applied for anything nor have I given anyone permission for these companies/addresses to do so, at all. I have no relation to any of them. Below is a document- I copied and pasted straight from my credit report under inquiries. Please put a STOP to this, immediately, please. 

64+ inquiries-recent.