23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXXXXXX, TN XXXX To Whom It XXXX Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Debt collection

Urgent Complaint Regarding Fraudulent XXXX XXXX  Account : Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a persistent issue regarding a fraudulent XXXX account that has plagued my credit profile for some time now. Despite numerous attempts to rectify the situation, the account remains active, causing significant distress and financial harm. I have reported this XXXX Bank account multiple times as fraudulent, yet to no avail. Explaining that my identity was stolen in XXXX without my knowledge, the perpetrator even files taxes for XXXX and XXXX under my name. I had to go to IRS to verify my identity for this as well. Regrettably, the account continues to linger on my credit profile, adversely affecting my financial standing. During their investigation, XXXX XXXX provided erroneous information to XXXX and XXXX, claiming that the aforementioned account is mine without sending documentation of findings of verification. This misinformation not only exacerbates the situation but also serves to highlight the severity of identity XXXX associated with this account. I urge you to intervene promptly and take necessary actions to address this matter. It is imperative that the fraudulent XXXX XXXX account be removed from my credit profile immediately, and appropriate measures be taken to rectify the damage caused. Furthermore, I request a thorough investigation into XXXX Bank practices regarding identity verification and account handling to prevent similar incidents from occurring in the future. 

I called XXXX Bank on XXXX to get there respond to this matter, and the representative was as confused as me. She informed me the address they have on file XXXX XXXX which is not my address and I have never lived at this residence. My name is also spelled wrong " XXXX '' is what XXXX XXXX has on file and the correct spelling is " XXXX '' she claimed it was a typo but that doesn't justify it not being correct, and the last thing that verifies this is a fraudulent account is the email that is on file of XXXX which is also not my email. I appreciate your attention to this matter and look forward to a swift resolution.Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company ( XXXX  Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been registered to my fathers credit as an authorized user for years now. He has many credit transactions that shouldve built up my credit score and made a credit history. But every time I try to apply for anything that involves my credit, it wont allow me to apply because I do not have a credit history. I just want to figure out why this is happening and how I could fix this so I can start using my credit to finance certain things.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account DEPT OF EDXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account information as being inaccurate, incomplete, and invalidated and each of the credit reporting agencies responded by stating they were able to verify or validate this debt. Tell me how is that possible if there is an automated system judging my disputes within seconds? No investigation was made, Under the laws of the FCRA, I have contacted the creditor myself, and they have provided proof stating that the accounts were not accurate at all as well as they were reporting incorrect information to the credit reporting agencies.. The original creditor or the Credit reporting agencies have still not corrected all the errors with this account. I have copies of my requests to the creditor, asking them to validate the debt with contracts. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Product: Credit card

XX/XX/year> I was charged {$190.00} for a citi flexpay payment plan but there is no initial purchase for the amount of {$190.00} and I have not purchase order for the amount of {$190.00} and they are charging me a monthly payment plan fee of {$1.00} in addition to interest on the {$190.00} to pay in installments of XXXX for 12 months when I never made a purchase for XXXX and if I cancel the payment plan they ban me from being able to do a flexpay payment plan on a purchase for a year
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is falsely reporting two account on my credit report that is not mine at all. Ive tried to get them to investigate and verify and send me information proving or backing up the investigation. Ive written several certified mail pieces since XXXX and Ive managed to get the account removed from my report on the other credit bureaus but Experian will just not remove the obsolete erroneous inaccurate unverifiable account. Plus they wont tell me or send me proof of how they verified. Both accounts need to be removed XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a Credit Card with Capital One for several months now. 
I than just opened a checking and savings account with them several weeks ago. 
I have funds that were transferred from a company in XXXX. 
Capital One has froze my account and will not release the funds.
Product: Credit reporting or other personal consumer reports

I was alarmed this afternoon to see unauthorized inquiries on my credit report, and I cant understand why theyre there. I regularly check my credit report, and this time, I found discrepancies that just didnt make sense. I refreshed my browser to see if it was a glitch, but the inquiries were still there. This issue is very concerning, and I request a thorough review of the documents Ive submitted so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. The account is collection/charged off account balance should be XXXX. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all. 

FOR TransUnion 1. The account is collection/charged off account balance should be XXXX. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple 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
Product: Credit reporting or other personal consumer reports

Advanced Resolution Services ( ARS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear ARS Consumer Relations Department, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have been a joint checking account holder with my elderly mother, XXXX XXXX, for over 15 years. She lives an hour away from me ( I'm in XXXX Ohio, she's near XXXX ). When we opened the account, it was with XXXX XXXX Bank. The bank has been acquired several times ( XXXX, XXXX, XXXX ) over the years. In about XXXX, my mother became unable to manage her own finances, and asked me to help. This included paying bills, taxes, etc. from the account on her behalf. She has also received her monthly social security and small annuity payments into that account automatically, and had her Medicare premium ( and other bills ) auto debited from there. I'm not near her branch, so I've used online banking and paper checks to manage her obligations ( she doesn't have a debit card, nor do it, for this account ). I'd handled these tasks from Summer, XXXX until I ran into the issue I'm describing in XXXX, XXXX, after Huntington had acquired XXXX and began to migrate XXXX accounts into its own online banking platform. 

I first attempted to access my mother 's and my joint account via the Huntington platform in mid XXXX, at which time I entered the account number and requested social security number. I was then prompted that they would call me for multi-factor authentication, but the number they indicated they'd call has long since been out of service. At the time Huntington acquired Chemical Bank, Chemical Bank did have the correct number, so I'm not sure why the other number was the only option for authentication. My only option online after that was to call Huntington 's perennially understaffed call center. I have tried XXXX times since XXXX. Each time, I've been told by an automated voice that " call volume is unusually high, '' and not even given the opportunity to wait in queue. Instead, I was prompted to call back at a later time. It is now over a month since I could last access this account. During that period, I've had no way of paying a number of bills, etc. 

I've also tried to work with Huntington 's chat bot online and the phone app. All roads always lead to calling the call center with its perenially, " unusually high call volume. '' In the meantime, I'm unable to pay my mother 's bills ( including her room and board at the XXXX XXXX and prescriptions ) or access the account at all. 

Again, I live an hour away from my mother. I do not have a debit or credit card for this account. She lives in a XXXX XXXX, is basically immobile, and is mildly, cognitively impaired, so she does not and will not attempt to manage her affairs. The fact that Huntington has set up this number of roadblocks using outdated information, with no way around calling an ineffective call center seems a little ridiculous to me, and certainly not customer-friendly.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to temporarily lift a credit freeze on our Experian credit report. I have tried online with both my info and my husband 's info and we are unable to get through to lift it. They gave us a pin number years go but we no longer have that. When we request a new pin, they are unable to comply. When I try to reach anyone by phone - I end up in a never ending automated loop that always leads me to the online website. When I try to do it online, I get an error message to call the toll free number and the circle begins again. Finally, they request that I send them a copy of social security card, license and utlity bill or bank statement to : Experian Credit Freeze. ARE YOU KIDDING ME? Why not just put, " everything you need to steal my identity '' on the front of the envelope? They don't return the copy by mail ( I'm assuming because they realize that it is unsafe ) so why do they require me to send it that way? There is NO fax, NO online address, NO chat option and NO person by phone. I am finally forced to comply with their request but I feel that this is unacceptable, irresponsible and unethical. Experian is purposely putting my confidential information at risk. They shouldn't be allowed to profit from serving consumers unless they are available to actually serve the consumer. I am not attaching any of the information I sent because it is confidential.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

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

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be  entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the  FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in  this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

South Carolina Student : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced an existing mortgage and was given the closing statements that outlined how much money was required to be paid by me for escrow payments ( {$7500.00} ) to Amersave and how much I would be refunded ( $ XXXX ) by my existing mortgage company, XXXX XXXX XXXX. Prior to agreeing to pay the amount at closing, I provided AmeriSave a copy of my mortgage statement showing them that XXXX had ample funds to pay my escrow, however, they required me to pay it anyway. 

I paid it and a few days prior to closing, XXXX paid the escrow on my account and Amerisave 's title company sent a payment as well. The escrow company accepted XXXX ' payment and returned AmeriSave ' payment. After some time had passed, I reached out to AmeriSave to inquire about payment since the escrow was paid by XXXX and I was told that the insurance company would send me a check directly. In time I didn't receive anything so I reached out to both AmeriSave and the insurance company and Amerisave informed me that they were not sure what happened and needed to investigate. Meanwhile, the response I received from the insurance company was that a conference call was held between AmeriSave, the title company and the insurance company and everyone was clear that funds were returned back to AmeriSave.

I then reached out to AmeriSave again and inquired, but attached the email I received from the insurance company sharing the subject matter during the conference call, they said they would get back with me. I have continued to reach out and the last time they responded by email or returned my phone calI I was told that they had been busy with closings, but they needed to have a meeting with their staff that does the financials to determine how come they were so far off. 

I don't understand what is happening, they provided me with a loan that stipulated the conditions of the loan including the cost of the loan. Now it appears they are changing the numbers so not to pay me the monies I paid at closing. This is very suspicious and feels like predatory lending practices. I am over 60 years of age and feel vulnerable and powerless. They owe me money and won't return it. I am making my second mortgage payment on the new loan and still have not been made whole from the closing and don't have a timeline for when this will be resolved. 

I would appreciate any assistance you can provide. 

Thank you. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from Experian. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. As it states on my XXXX  on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX, on XX/XX/XXXX there was an unauthorized inquiry for XXXX, and on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX XXXX XXXX. As it states on my XXXX  credit report on XX/XX/XXXX there is an unauthorized inquiry from XXXX and another from this same creditor on XX/XX/XXXX, and on XX/XX/XXXX there is an unverified and unauthorized inquiry from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt bondage, which qualifies as trafficking under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 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  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX  XXXX XXXX - Balance : {$1400.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$12000.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$9200.00} - Account # : XXXX XXXX NEW MEXICO - XXXX : {$19000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$490.00} - Account # : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX sent me and my husband ( XXXX XXXX ) letters notifying us on a XXXX XXXX. It indicated a lot of our personal information was obtained by a third party. They offered us the ability to enroll in TransUnion 's " My true identity '' XXXX XXXX XXXX. using the supplied ink and unique code, we were supposed to sign up for this service and freeze our accounts. After a XXXX hour process of registering with them and being shown XXXX XXXX reports, we both requested credit freezes. " Which they could not do at this time, log in later to try again ''. We have tried many times over the past several months to do a credit freeze, with the same answer being given. This week I received XXXX separate notices from XXXX, XXXX 's XXXX, and XXXX XXXX that in response to my application for credit cards, that they will need additional information, or just send me a credit card. I did not require or apply for any of them. Obviously someone is trying to use my credit to get credit cards, which is probably from the noted credit breach, and I still can't get my credit frozen. I was able to call the credit card companies and have them cancel the applications/cards, but this often takes hours to get thru to talk to someone. Nothing is more frustrating that going thru these registrations and getting kicked out and having to start over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was woking with my bank to start the process to get a house and saw alot of inquiries that were not mine. I filed a compliant with the FTC and I spoke with the bureaus and no help. I was told I can reach out to you all for help with this. I am doing this on my own and need help. I have listed all the inquiries on the attached FTC report.
Product: Student loan

Hello, my name is XXXX XXXX. I took out a loan in XXXX of XXXX from XXXX XXXX. In XXXX I started paying it back so I can get out of it being defaulted but stopped paying about 6 months into my payments. Last years tax return ( XXXX ) I filed my taxes and was supposed to get it back but when I never received it I called their offices and was told it was used to payback my student loan ... The debt collectors had garnished my wages since XXXX of XXXX and then they took my tax return and I finished paying off the rest of that loan of XXXX something. Well I 'm sure they 're allowed to garnish my wages but take my tax return? Any help would be appreciated.