23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please remove the following inquiries. I was not given a chance to dispute ANY of these accounts/inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit Reporting Agencies such as Transunion, XXXX, and XXXX, along with the Financial Institutions XXXX XXXX XXXX and Credit Collections have violated my right to privacy and right via the FCRA. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. The identified transactions are not information related to any transaction by me as the consumer. This information being reported has caused harm to me and my family.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've requested the credit bureaus to investigate and prove that I'm the owner of these accounts. As of this month I have only received notification that they will not work on my file due to the submission not coming from me ( This is not true ) I have requested several time for the credit bureaus to their job but to no avail please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report, particularly concerning an account that I believe is a result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation into disputes regarding inaccuracies and any claims of identity theft. Additionally, 15 U.S.C. 1681c-2 further protects consumers by requiring credit reporting agencies to implement procedures to address incidents of identity theft. 

The account in question contains several discrepancies that suggest fraudulent activity, including : Varying account numbers that do not match my personal records. 
Inconsistent reporting of account open and close dates. 
An account that has been charged off incorrectly yet still shows an outstanding balance. 
Inaccurate payment history, with conflicting information about late payment statuses ( XX/XX/year> days late ). 
The presence of these discrepancies raises significant concerns regarding possible identity theft, and the XXXX XXXX XXXX has an obligation to investigate thoroughly. Their failure to properly address and rectify these inaccuracies constitutes non-compliance with the FCRA. 

Given the seriousness of this situation, I am considering taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). Their inability to investigate the identity theft claims effectively not only infringes upon my rights as a consumer but also undermines the integrity of the credit reporting process. Additionally, I XXXX seek legal advice to evaluate my options for protecting my identity and asserting my rights under the law. 

I urge the credit reporting agency to take immediate action to investigate my claims, rectify the inaccuracies in my report, and protect my identity from further fraudulent activity. 
: A copy of inaccuracies or incompleteness accounts. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
A copy of ID A copy of XXXX A copy of address Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Mailed offer that I was " pre-selected '' to be able to get a credit card with a {$200.00} incentive to open an account. When applied, was refused application due to having too many credit card request despite excellent credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my accounts and inquiries.I never applied for it. I never sign anything.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts immediately from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this complaint twice now, you know. Even after I disputed the bogus accounts with your organization lastmonth XX/XX/year>, there are still entries on my credit report that don't belong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being billed from XXXX XXXX XXXX in XXXX, NYfor medical whom I am currently enrolled in XXXX XXXX XXXX XXXX 3 accounts open on XX/XX/XXXX for {$530.00}. Current billing agency is XXXX XXXX. Also I am a victim of fradulent activities for a account bill of XXXX for {$180.00} opened on XX/XX/XXXX current billing agency Trident Asset management.
Product: Bank account or service

I HAVE A NEW STUDENT CHECKING ACCOUNT AND A MONEY MARKET SAVINGS ACCOUNT AT US BANK ONLINE THAT MY EXHUSBAND IS TAKING MONEY OUT OF WITH KEYCODES CAUSING ME TO BE OVERDRAWN. HE IS UNDER A COURT ORDER TO DEOSIT {$1000.00} INTO THE CHECKING ACCOUNT. INSTEAD HE IS DRIVING ME INTO OVERDRAFT.I AM EXPECTING FINANCIAL AID FROM XXXX XXXX UNIV AND I THINK HE IS GOING TO RIP ME OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Transunion LLC added a debt from XXXX on my credit report. This was already removed from XXXX due to it not being my debt. I demand that this item is removed off my credit report immediately or I will have to file for litigation.My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I used my XXXX credit card to send a Venmo payment ( Transaction ID : XXXX ) to a friend on XXXX in the amount of {$100.00}. The transaction was a duplicate so I disputed it with the credit card company. In response, Venmo retracted the funds from the payee while the dispute was resolved. XXXX closed the dispute on XXXX and indicated it was a valid transaction and left the charge on my credit card. Therefore, the {$100.00} should have been returned to the payee. Venmo has not returned the payment and has kept the {$100.00} XXXX with no recourse. I have tried contacting them multiple times and they have not provided a path to resolution other than saying they will review it. It has now been over 2 months since the dispute was initiated and over 2 weeks since the dispute was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry from.Capitol.One on my XXXX report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.TransUnion.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry
Product: Debt collection

They put a collection on my credit report for medical, company is Americollect, Amount {$1600.00} since XX/XX/year> that i started paying even i'm a military, and i have 3 inquiries for automotive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Inaccurate Inquiry from Credit Report Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance regarding several inaccurate inquiries on my credit report that I have disputed with Equifax. This Inquiry is associated probably with XXXX and XXXX XXXX   attack on my behalf, which I believe was the result of identity theft or misunderstanding. Despite my efforts to resolve this issue directly with Equifax, the XXXX XXXX  inexact inquiry remain on my report, negatively affecting my credit profile. I kindly request your help in erasing these inexact inquiry to ensure my credit report reflects accurate and fair information. Thank you for your attention to this matter and for your support in protecting consumers like myself. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have found myself having a hard time making the {$340.00} payment each month. I reached out to Amplify to ask for a payment reduction and they said all they offer is a one time skip a payment or an extention which is also a one time thing. They are charge an excessive interest rate of 535.34 %. I am on a fixed income and this is causing me great stress. I have made 4 payments for the above amount. I have 8 more payments to make and when it's all done I will have paid {$4100.00} for a {$1000.00} loan. Is this even legal? If they would work with me to get a lower payment I can pay this loan off. But they seem to be unwilling to offer any solution. If this is an illegal loan I don't believe I should have to give them anymore money considering I have already paid {$1300.00}. I also asked about a payoff amount and the quoted {$1600.00} is what it would take to payoff this loan. That means I'm still going to pay over {$3000.00} on a {$1000.00} loan.
Product: Credit card

I have had a credit card with Bank of America for over 20 years. The credit card interest rate was still at 12 % as I had never had a late payment or missed a payment. Recently, I took out a mortgage on my townhome for much less than the appraised value. The mortgage holder requested that I use some of the loan proceeds to pay off the credit card so that my debt ratio looked better. I agreed to this as long as the credit card was not closed, as I could not get a rate this low again. The mortgage company sent the payoff along with a letter stating NOT TO CLOSE THE CREDIT CARD ACCOUNT. I have a copy of this letter. Bank of America closed the credit card anyway, then refused to reopen it. I did receive a polite, uniform letter informing me that I was welcome to apply for a new card with Bank of America at a higher interest rate, of course. The stated reason for not reopening my credit card was, " The terms for this account are no longer available. '' I declined. If I had known that Bank of America would take advantage of my payoff, I would not have paid the full balance. The letter clearly instructed that the account NOT BE CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing United auto credit co response to my complaint I noticed United auto credit co statements were in violations with the FCRA. United auto credit costated stated that United auto credit co must provide complete and accurate information to the CRA. As XXXX XXXX XXXX reviewed my consumer report I underlined multiple unacurate and incomplete information provided by the United auto credit co to the consumer reporting agencies. I have attached a copy of my consumer report to this complaint as proof. Also United auto credit co failed to provide me XXXX XXXX the consumer documentation stating that I XXXX XXXX authorized United auto credit co to report transactions to the credit reporting agencies. United auto credit co stated that I XXXX XXXX requested to report a ( {$0.00} ) XXXX balance to the consumer reporting agencies that also is false.XXXX XXXX XXXX will NEVER tell any creditor to lie and or go against any FCRA guidelinesXXXX XXXX XXXX requested United auto credit co to DELETE all unacurate, incomplete and unauthorized transaction from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that the creditor that has a negative collection on every one of  my credit bureaus has a misunderstanding as to the responsible party to the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX   XXXX  applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/XXXX which is today. Now the bank has retaliated against me because I just got word from XXXX XXXX that Comenity Bank took off the XXXX days late status and marked my account as charged off. How the heck can this account be charged off if I'm in a payment plan with them? I want this fixed immediately and I tried to reply to the current complaint and it wouldn't let me so I've had to submit another complaint. It needs to say account current not charged off how hard is that? I've made XXXX consecutive payments in a row. Charged off would mean I haven't made any payments but I've made payments every single month since XX/XX/year>. I even have a letter proving I'm in a payment plan.
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 XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX$720.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

the company by the name of Bank of America violated 15 USC 1681b-Permissible purposes of consumer reports law and also 15 USC 1681 ( 2 ) ( a ) ( i ) law. I have never given this company written instructions to report anything on my consumer report.
Product: Money transfer, virtual currency, or money service

I got my identity stolen n my irs  n XXXX XXXX XXXX XXXX  account s stolen havent filled taxes since XXXXn I been in a XXXX  n have proof of it pls help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, XXXX, TransUnion, and the company itself, but no one has responded. On XX/XX/2022, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy items from my credit report.
Product: Credit reporting or other personal consumer reports

My credit was ran and now I have multiple inquiries that needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX, # XXXX is reporting medical collections to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Product: Debt collection

i find it funny the last time i called them i was told they didnt have a current address and was getting returned mail but never called. but today i was told by the manager that they had my current address on file for awhile ... so please tell me why you were send to the wrong address on file and not the current one. i feel like you have tried to push a suite that i was calling on and trying to make sure you had everything you needed sorry my hoouse was condemned not my fault at all - i have gone into debt for this happening and i am sueing submit for this. this is very rude to send to the wrong address so you could sue someone for more money - the law is i dont have to pay you what you ask for - i was never offered any thing nor received anything from you. you are a very sneaky company and now that i know you have all my current information and have this whole time ... serve me right. all if is funny that the response to my last claim is send to the name of my husband ... so i dont know who you are collecting on but you sent it to me for my debit. if you are trying to collect on my husband you will need to mail him a notice - cause we have no clue whonm this debit is for. this is to nasty ... your a horrible company that has no heart for other nor follows the laws or rules for your company with lies over and over which i have proof of everything that has been said to me and your manager even stated when i call the first time it was not even filed yet was just filed so i was threathed suite last complaint and you have not even filed it ... i was at work on all these calls so they are recorded and can be used for court as well
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit report with U S Dept Ed account # XXXX is not accurate. It says the account or loan was opened in XXXX. At that particular time I was only XXXX XXXX XXXX and that could not possibly belong to me. I was born in XXXX, the account must be a direct result of identity theft