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

After submitting a dispute against XXXX XXXX XXXX XXXX stopped me from opening bank accounts in the US and refused to provide complaint numbers to address my consumer rights being compromised. End result, credit card companies have close Accounts and refused credit limit increases And lower APR as a result of defamation of my character.
Product: Checking or savings account

I opened an account with US Bank never received my card and when I did finally receive my card their were transactions, I didnt make so I did one dispute, and US Bank did multiple Now theyre holding my money hostage soon as they sent me a card my account is on hold so I cant redraw any money and US Bank said it will be a check and I never received that either
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to TransUnion asking for an investigation and a copy of my updated credit report. The attached letter dated XX/XX/2020 was sent multiple times because I didn't send certified and could not track it. I didn't receive a response to this letter. I sent the exact same letter again and this one was delivered on XX/XX/2020. I was able to track it since I sent it certified. I have yet to receive an updated credit report or proper investigation. It has been way more than 30 days. I even gave them extra time due to COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX off threw the collection agency and they will not update the pay off it I have even sent the credit buraus the receipt and they will still not update it i have proof
Product: Student loan

In XXXX 2011 I requested a deferment of my loans due to being diagnosed with XXXX and not being able to make payments. The deferment was granted, but I made a mistake on paperwork which resulted in delinquencies being reported. When I realized this, I contacted Nelnet. Nelnet agreed that the months reported as late would be corrected and my deferment would be retroactive. I recently learned that this never happened. I filed a dispute with the credit agencies, but the dispute was denied by Nelnet.
Product: Debt collection

This account is not mine and is the result of fraud. I have never been to that hospital or city.
Product: Credit card

In monitoring my credit report today - I noticed that there was an inquiry for opening a new credit card with CB Indigo on XX/XX/2024. I took no actions to open / attempt to open a credit card with CB Indigo
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Email : XXXX I have been trying to get the clear for 3 years now. My address, phone and email are above. Remove all addresses other than the one listed, I have never lived in Florida. This is my life and my informarton I need you to get this corrected. I just viewed my credit report and this is destroying my credibility. 

My one and only First and last name is XXXX XXXX XXXX and I have no other names or aliases. Please remove all other versions of information from my report I am requesting you remove all information that is incorrect. I am including my notarized License that I sent you all for up to two years now. Update my identifiers. 
USING YOUR INDIVIDUL WEBSITES DONT WORK XXXX you cant even reset a password, XXXX wont allow you to update or even dispute, Experian does everything for payment 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in person
Product: Credit reporting or other personal consumer reports

I believe I was a victim of identity theft, and this company is capitalizing on my misfortune by reporting harmful information on my credit that's effecting my credit worthiness and business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to follow up the previous CFPB complaint I submitted. I sent a letter on XX/XX/XXXX requesting the Credit Bureaus to remove reported account that are UNKNOWN to me. I came across the law and and have read and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX and # XXXX, and I am including the following fraudulent accounts once again : XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX  XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$510.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Bankruptcy Account # 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
Product: Vehicle loan or lease

Flagship Credit Acceptance wrongfully repossessed my vehicle on XX/XX/23 which they admitted to. They returned my vehicle on XX/XX/23 not in the same condition that the vehicle was in when they wrongfully repossessed it. Since the wrongful repossession I have had to rent vehicles which has been costly. The said vehicle is our only vehicle. Both my husband and I have missed out on work which has also been very stressful, frustrating, and costly. And now it is unsafe to drive the said vehicle so now we will have to rent another vehicle. I will attach a list of the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for services Freedom Debt Relief ( FDR ) offered but was misleading there were added fees which was not mentioned. That I had Initially asked about before agreeing to use their services and I was told there would only be a monthly service fee that would cover all of there service fees spreading it out over a few years and the dedicated they offered through XXXX XXXX XXXX ( XXXX ) would be to pay creditors. I had FDR program from XX/XX/2019 and was cancelled XX/XX/2019 I made deposits totaling {$1000.00} to a dedicated account. The dedicated account which I was told my money would stay to cover creditors settlements and I would have access to withdraw or deposit money but I wasnt able to do that because its controlled by FDR. I called XXXX to reverse the fees but they said only FDR could do so. FDR Only sent {$20.00} to the creditors which should have been paid off with the {$1000.00} I sent them on two different accounts. They only refunded me {$34.00} back to my checking account and apologized for the misleading information. I would like to join in a consumer lawsuit against them.
Product: Checking or savings account

In XX/XX/2020 a scammer stole roughly XXXX from my account. I disputed the charges but Wells Fargo sided with the scammer even though I had no idea who they were.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continually reported wrong addresses and SSN for me. 

1. Between XX/XX/XXXX and XX/XX/XXXX, I called Experian several times asking them to remove incorrect address off of my credit report. 


2. On XX/XX/XXXX, I sent Experian a handwritten letter asking them to remove several incorrect addresses and SSN ( attached ). 

3. On XX/XX/XXXX, I sent them another handwritten letter ( certified mail ) asking them to remove incorrect addresses and SSN 's from my report. 

Until this day, XX/XX/XXXX, Experian has failed to remove the incorrect addresses from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is in regard to XXXX  Credit Reporting Agency. 

Credit Report Number : XXXX XXXX  has continuously and is currently reporting 2 accounts that is a result of identity theft within my credit file. The info is with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. Perpetrators were able to obtain several loans, bank accounts and credit cards using my information. I had filed a police report, I had filed an FTC identity theft report, and yet they ( XXXX  ) still kept the fraudulent information within my credit file. Not only did they did this, the credit bureau ( XXXX  ) has also updated and maintained this information within my report, even though XXXX  and both ( XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES ) companies has failed to send me information on who opened up these fraudulent accounts. 

Several times I have asked XXXX  to remove the accounts and to verify who had opened these accounts with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES, and to several times, no success or avail. 

Ive also reached out to both companies XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. XXXX XXXX kept on giving me the run around and no one never returns my calls. While a representative at Discover Card told me the company has its obligations to keep a record on everyone, regardless if that person is an ID THEFT VICTIM, and even if its mine or not. Nor are they obligated to send me anything as well on the fraudulent account even though a police and FTC REPORT was filed. I had submitted a police report and an FTC identity theft to Discover Financial Services. 

Both fraudulent accounts are still within my credit as of XX/XX/2020. 

I currently work as XXXX XXXX at XXXX XXXX, in XXXX XXXX NY. 
So daily I have to restrict my commute by using XXXX/XXXX  services due to the exposure of the Coronavirus on XXXX  public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan due to my Identity being stolen and fraudulently used. As well as the fraudulent acts of XXXX  Credit Bureau. 

Im facing risk with my life everyday, and the last thing that I should be worrying about is my credit being used fraudulently at XXXX  Credit Bureau. XXXX  has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.
Product: Debt collection

In XXXX XXXX I spoke to XXXX at Remex who explained that Remex does not own this account and it had been sold per XXXX XXXX XXXX to another company. I called recently because the account is still on m XXXX account and I was told to pay them. I explained this is not my debt is part of employment verification done by XXXX hospital inXX/XX/XXXX. I explained to the representative that Remex does not even own this debt to attempt to collect would be abusive on their part and XXXX Hospital is responsible for the debt. I asked the representative to provide all paperwork regarding the debt and she refused to provide. 

Remex has never provided proof debt the company sent a bill. Remex has not submitted proof signature and proof of my identification, and contractual obligation with XXXX XXXX 's stating they have the right to collect on this debt.
Product: Debt collection

The collection agency is trying to collect the debt I did not own despite my dispute to the debt.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I Used the chat button on Cash App to let them know there are fraudulent transactions being made and companies were taking my money. I didnt get a chance to talk to a live representative. They basically told me its nothing they can do about that. My card KEPT being charged by different companies, and I couldnt do anything about it. Till this day, I am STILL getting charged for subscriptions Ive never paid for.
Product: Checking or savings account

OnXX/XX/2019 Huntington took {$180.00} and some change out of my account ; when I called to try and find out what happened they told me that they took it out from 2 years ago for {$12.00} and some change when I had a overdraft fee. When I told them they couldn't do that they said yes they could because it's the same bank they told me {$100.00} was for a fee and that the {$81.00} was for something I had no clue what it was. I asked if they could put it back but they told me that there was nothing that they could do so I closed my account around 4:50 p.m. that day. I believe these practices to be in violation of Unfair, Deceptive or Abusive Acts and Practices, Section 5 of the Federal Trade Commission Act ( FTC Act ), 15 USC 45 ( a ) ( 1 ) ( UDAP ), as I was only 18 at the time of the occurrence. I believe that the banks practices are predatory and deceptive for younger Americans. I want Huntington to refund the money taken out of my account and an apology issued. I will also be reached out to the Ohio Attorney General and the XXXX  in regards to this banks deceptive practices. I have reached out to Huntington to resolve my concerns and they have been less than helpful. Please assist in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX All Banks XX/XX/2022 Experian I have contacted XXXX XXXX and Experian I DID NOT AUTHERIZE THIS INQURY and i have no open account to dispute for fraud relating to this inquiry please provide proof or remove inquiry
Product: Checking or savings account

Opened a chase bank account on XX/XX/XXXX or XXXX, had everything set up had my tax return being sent. Was told XX/XX/XXXX through email to call for unusual activity, called verified my information and they said okay you should be all set. Called the next day was informed the bank was closing both my accounts and did not give an explanation as to why. Can no longer bank with them. Was told once the deposit went in I should be able to go to branch and access the funds, was denied the funds said was given information and a check would be sent. I literally just opened my accounts and now have no money that is in said accounts and no bank accounts.
Product: Checking or savings account

I have submitted a claim with the FDIC for the missing deposit amounts and have provided copies of the statements and returned payments that would have used the credit amounts. JP Morgan Chase failed to credit the deposit amounts to the deposit account # XXXX and to date the total outstanding credits for just XXXX and XXXX are in excess of {$380000.00}. A Notice of Claim has been sent to JP Morgan Chase, a claim made to the FDIC.
Product: Credit reporting

I sent a letter to Equifax in XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the Metro 2 Reporting Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Metro 2 Reporting Format, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

It is imperative that you adhere to the Metro 2 Reporting Guidelines in examining each disputed item. 

In accordance with the Metro 2 guidelines, I request the immediate removal of any verified accurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the Metro 2 guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

I kindly request that you carry out the deletion process within 3 business days to comply with the guidelines. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting.
Product: Debt collection

The court has issued a Judgment against a company that has incorrectly disclosed information of my company this month I received a notice that I dont have any debt to the company named Prestige Financial Services I think they are are required by law to discuss this information with me with out taking with a attorney this information is Creditors Attorney XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX IL XXXX Phone ( XXXX ) XXXX please contact this office I request. Information be sent to them the case is a not legal to due this. My email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my ri

ghts. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I asked the XXXX  to verify account # XXXX filed on XXXX and I checked, they are still reporting inaccurate information. In accordance with FCRA they have violated my rights. I have the right to privacy.