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

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, XXXX Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 


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 : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8XXXX XXXX XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX/XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card

I submitted a complaint against Goldman Sachs on or about XX/XX/2024 related to their inability to use a current copy of my credit report for a credit limit increase. A representative contacted me from the bank and was supposed to follow up with me a week later. They never called me back. In Goldman Sachs response to me, they indicate that XXXX XXXX has a freeze on my credit report, and this is preventing them from pulling a current copy of my credit report. I contacted XXXX XXXX and was informed there is no freeze on my credit report. So this issue is apparently related to Goldman Sachs. Yet, they refuse to work with me to fix this issue. 

My issue is the bank is using a credit report that is over 10 months old to review a request to increase my credit limit. 

This was their response to me. 

Goldman Sachs Bank USA ( the Bank ) received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau XXXX CFPB ) Complaint Portal on XX/XX/2024. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ) related to a credit limit increase request. The Bank conducted an investigation and confirmed no error occurred. According to the Banks records, the Customer applied for a credit limit increase on XX/XX/2024. The Bank carefully reviewed the Customers Apple Card account history and any new credit bureau information received as part of servicing the account. The Bank was unable to approve the Customers credit limit increase request. Consequently, and in adherence with applicable law, the Bank sent the Customer an email on XX/XX/2024, detailing the reasons why the Bank could not approve the request. The Bank confirmed there is a suppression on the Customers credit report on the side of the Credit reporting agency. The Bank used the last available data when making the decision for the Customers credit limit increase request. The Customer should contact the credit reporting agencies directly for further information related to the credit information being suppressed. Based on the above details, the Bank kindly requests for this complaint to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Federal Law, Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed accounts reporting erroneous information on my Credit File as per consumer 's requests. I previously ordered a copy of my Credit report and I found out that credit reporting agencies still indicate my dispute of acounts and information in my credit report. As of todays date, the Credit reporting Agencies has not responded to my dispute letters. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, however more than 2 months have passed and the Credit Bureaus have failed to respond to my Dispute letters. Please check payment history, date open, last activity and Status of the following accounts as I believe these accounts are reporting erroneous information causing negative impact on my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reviewed a copy of my Credit Report and saw that there was a Fraudulent Collection Account reporting on my Transunion and XXXX XXXX reports. This Collection account is being reported by XXXX XXXX XXXX in the amount of {$1600.00}. I filed an FTC Identity Theft Report in which I attached to this CFPB Report. 

XXXX XXXX XXXX Account Opened on XX/XX/year> Amount : {$1600.00}
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 told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : 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.

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 even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Checking or savings account

DISCOVER BANK operating handlers have been telling lies since the beginning. I have full documented proof of my accounts being opened and funded. How is it possible to deny legit bank statements sent to me from DISCOVER BANK operating handlers. Cause DISCOVER BANK is just the name. It's those who operate DISCOVER BANK that's telling lies and not being honest and professional per XXXX. XXXX XXXX. Hes a liar and conniving person. He's operating on his own accord and not by the guidelines of DISCOVER BANK. So anyone who is speaking on behalf of DISCOVER BANK is irrelevant. I want to get a real response from DISCOVER BANK personally. My complaint is with DISCOVER BANK. Not with DISCOVER BANK and its operating handlers. So any response to this should come Directly from who is identified in this complaint which is DISCOVER BANK and DISCOVER BANK only. Their are no laws denying or against my request. This is on a Direct name basis. I don't trust all humans. As you can see they can put words in DISCOVER BANK mouth to say what they want DISCOVER BANK to say. Not the real words from DISCOVER BANK personally. Once again. I'm on a name basis. I didn't personally identify individuals but one person. And that's DISCOVER BANK. This is not a court proceeding to have representatives speak on behalf of DISCOVER BANK. So either DISCOVER BANK needs to respond truthfully and honestly with it's own words since it is considered a person. Or just honor what's owed to me. I can't get a authentic bank statement with the money I funded them with in the bank statement. If my accounts were never funded for them to be opened and active. So somebody's lying. And you can't deny documented proof in other words, evidence to back up and support my claim. And with the time frame of this. If I did something illegal or fraudulent. I'm pretty sure by now someone would have made a claim against me by now. So why has no one come forward claiming I did something fraudulent to them. Or made a claim against my money used to fund my accounts. I'm trying to be fair. But DISCOVER BANK operating handlers keep playing third party middlemen not honoring my business with DISCOVER BANK the person who I got business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, XXXX XXXX and I negotiated an verbal contract to settle in full to my auto loan in the amount of XXXXXXXX XXXX had giving me a time frame to release the funds no later then XX/XX/XXXX of XXXXXXXX XXXX received the amount in full as agreed on XX/XX/2023, which the account should have been closed and as in good faith standing. then I went to two different auto dealers to get an auto loan and both dealership informed me that no lender accept me for an auto loan, due to XXXX XXXX reported on my credit reported Negative and derogatory remarks which includes an I9 ( charge off, repo ), and the I4 rating ( late payments ). My account was settled in full and not a charge off./repo.
Product: Checking or savings account

On XX/XX/2024 i XXXX  a check to discover Bank overnight. the check was received by discover bank Monday morning at XXXX XXXX. they then told me that they had That they had no record of the check and they were investigating it. i called every day and their story changed every day. XX/XX/2024 I called in to discover disputes and was told that on XX/XX/XXXX they had made a decision to mail the check back to me and give it 10 Business Days. around the 8th business day i found out that no check has been mailed and that they are still investigating The check missing. they said by the by the 10th business day They would have a resolution. the 10th business day was XX/XX/XXXX and that come and gone. They now are telling me that i have to wait an extra 3 Business Days for them to finish whatever they're doing which makes no sense because they mailed the check back to me right? i really think that this is very un profesional and I hope that you guys can handle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from & LT ; name of the credit bureau XXXX ;. It indicated that there were some credit inquiry made by several companies. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Please forward any documentation that you may have in regards to the removal of this credit inquiry. 





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/XXXX XX/XX/XXXX XXXX XXXX   XXXX ; XXXX XXXX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.
Product: Credit reporting or other personal consumer reports

I did not submit the inquiries on my report and I have contacted experian numerous of times and asked for these to be removed due to me being a victim of fraud. Please removed these inquiries from my report please. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was supposed to be paid by my ex husband. He had all my information and added lots of different bills under my name because he is illegal and now they have affected my credit.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Got an alert that an account was in collections from XXXX for {$500.00}. This doesnt belong to me. Ive never owed them money. I was once on a plan with XXXX with another person however I wasnt the primary, he was. This means that all balances were to be paid by him and he would take any penalties. Also I am currently using XXXX so I do not understand why they would let me obtain an account with them if I owe them money. Also received letters years ago with different amounts that I supposedly owe them. For this reasons I believe they are being dishonest and deceiving. Also someone called before a year ago to collect a debt and I paid them so they would leave me alone
Product: Debt collection

The company has placed negative accounts twice on my XXXX credit file and due to such ammounts reported my credit has dropped alot ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans through Navient with approximately {$3600.00} remaining. I currently work at a XXXX   that has a loan forgiveness program and my employer directly sends $ XXXX/year to Navient and in return I work for a year each $ XXXX they send on my behalf. This occurred twice. The first year I never received a bill from Navient as the $ XXXX covered my typical $ XXXX/mo statement throughout the year. The second year I began receiving statements before reaching the next year mark of payment from my employer. I honestly missed the first statement as I wasn't looking for one since I did not receive one the  previous year. I did see a second one that came and I immediately called Navient to inquire about the status of my loan as I thought this was a clerical error. I spoke to a young lady who could not tell me why I was receiving a bill this year and I did not the previous year. She stated she would launch an internal investigation into this and I would receive a report on their findings. I thoroughly questioned her on their credit reporting terms and she informed me that Navient does not report until the account is 90 days late and assured me that I was " well within that window ''. Approximately one month later I noticed that I did not receive the report I was promised. I called Navient and spoke to a lady that informed me that my account was reported that very morning to the credit bureaus. I asked to speak to a supervisor and she informed me that I did not receive a report because " a box wasn't checked ''. I told her that I could pay now and that was never the problem. My only problem was I honestly thought it was a clerical error. She offered a forbearance and I informed her I was never offered that the first time I called and I wish I would have been because I would have done that so that my account would not have hit the 90 day late period. The supervisor was surprised I was not offered this option and agreed that the previous representative I spoke with could benefit from some additional guidance/training. She encouraged me to dispute the reporting and I later did so. I sent a my credit report showing late payment and a very detailed letter explaining what occurred. I was denied the removal of late payment from all the credit bureaus. I feel had I been given accurate information from the first call I made then this never would have occurred. I never attempted to dodge this responsibility and I contacted Navient numerous times throughout this process. My account with Navient is up to date and there is honestly not one single late payment on my entire 7 year credit report other than this one. Navient misled me me from the very first call and I wasn't offered the services that would have given me protection to avoid this very large error. I do not have anything in writing where they admit fault but they did record each call that I made and on XX/XX/XXXX is when I was finally offered what I should have been offered on the first call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its things that is on my credit report that should no be on there. XXXX things are on my credit report that is incorrect and needs to be removed
Product: Credit reporting or other personal consumer reports

In reviewing my credit file on XX/XX/year>. I discovered an account listed as XXXX XXXX XXXX XXXX for Wells Fargo being reported as XXXX through Bankruptcy XXXX however, this account was not included in a bankruptcy. I am requesting the removal of this record for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

XXXX is showing in my credit history for a debt of {$720.00}
Product: Mortgage

Real Estate Taxes increased from {$5200.00} to {$5300.00} ANNUALLY effective XX/XX/2024, which results in an ANNUAL total increase $ amount of {$96.00}. That spread out over 12 months would increase the monthly payment by approximately {$8.00} per month. Instead they will increase {$82.00} monthly based on their RESERVE analysis.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.Everthing has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate? The amount is inaccurate as well.This is ground for removal.They also violated my rights.Under 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.