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

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/year>XXXX  This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adeqately nofity consumers of disputed outcomes.These failures align with my experience where Experian has neither corrected nor removed disputed items despite the edvience I provided, causing outgoing harm to my credit standing. I requested immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I want to authorize XXXX  app to deposit and withdraw from my account. The new third party security is withholding me from doing such.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXXXX/XX/XXXX CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXX/XX/XXXX
Product: Consumer Loan

I took out a loan with castle payday for XXXX dollars. At the end of that month if I had paid in full I would have paid XXXX. I have paid XXXX dollars for three consecutive months. And at this time I still owe XXXX dollars. At this time I would like you to look into the legality of their practices.
Product: Credit card or prepaid card

On XX/XX/XXXX, an unauthorized ACH payment for {$940.00} to Comenity Bank via automated phone system was made to my credit card account and cleared my checking account. I have never paid this account by phone and I did not make this payment. I have never set up any automatic or recurring payments. I have made all payments on time via the online portal, and the payment was not yet due ( due XX/XX/XXXX ). I contacted customer service. A dispute was initiated on the payment, but the payment was not refunded. While awaiting the dispute, a second unauthorized payment for {$1000.00} posted to my account on XX/XX/XXXX, again, made by phone from my checking account. I did not make or authorize this second payment. I contacted Comenity customer service again and was told that a request to refund the second payment and a dispute would be initiated. After receiving no follow up information, I called Comenity 's account protection number and was informed that a new card should be issued in case this was a fraud attempt. No refund of the unauthorized payments was made. Following this call, my account information was deleted/deactivated, so I now can not access my account information online. I believe that the account deletion happened to prevent me from obtaining documentation of these transaction through my account. These unauthorized payment have resulted in a negative bank account balance and may overdraft fees, with no resolution in sight. I am attaching one screen shot showing the second unauthorized payment scheduled on my now inaccessible Comenity account, and one screen shot of my conversation over the first charge with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in a while and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. I've contacted FTC and my local police. I'm doing this myself. There are still items on my credit report that are not mine. XXXX XXXX, XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a payment of {$200.00} to a seller that was selling shoes and clothing through an instagram account. 

I made the payment using XXXX by XXXX on the Chase XXXX and assumed, since the option was in the Chase XXXX itself, it would be simple enough to have the payment canceled if I ended up getting scammed. 

After I sent the seller my payment, he blocked me on XXXX, meaning I could no longer contact him whatsoever. I tried contacting the seller about the scam on 4 seperate XXXX accounts, only to have them all blocked as well. 

The following day, XX/XX/XXXX, I called my bank to see if there was anyway for them to cancel my payment, but according to them there was nothing they could do, and using XXXX was the equivalent of handing the seller cash. This took me by surprise as I thought XXXX would have had a strong connection with my bank and a strong protection program, considering the option to pay was right in Chase 's XXXX, but apparently I was wrong. 

I'm XXXX XXXX XXXX and I really don't want to get into a huge law enforcement mess, as I'm pretty sure that will cost me more money than I'm trying to get back and a lot of stress, all I want is my {$200.00} back that I assumed would have been protected by my bank. 

The sellers XXXX account XXXX ( that's two underscores ). 

Thank you for taking your time to hear my concerns, and I really hope to hear back from you soon!
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax and XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Unauthorized Inquiries still reporting in Equifax : XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 


Unauthorized Inquiries still reporting in XXXX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

From 2009 to present my credit report has been showing incorrect information such as accounts never opened, accounts applied for that I didn't apply for, use of my credit report to view when it wasn't authorized, was turned down for employment due to another individual 's criminal record appearing on mine, denied home loans due to accounts that should not be on my credit report. I have on multiple occasions reported identity theft with the credit reporting bureaus, have disputed on different occasions accounts that were not opened by me, and reported to collections and various companies calling me over accounts that didn't belong to me. This has been an ongoing problem and it's been damaging to my life and effecting me being able to have a fair chance as anyone else.
Product: Credit card

Review of SCRA relief of all accounts for my XXXX XXXX XXXX from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX.
Product: Payday loan

I took out a loan with Speedy Cash for {$750.00} in XXXX 2014. The total balance for the loan including interest was for a total of {$920.00}. While I took out a pay day loan, the lanuage on the contract and especially the payment screen on the website made it seem as though I could make montly payments of {$210.00} for 5 months without any repercussions. For the first three months the balance on my loan decreased, reflecting the payments I had made for a total of {$630.00}. However, after making over {$810.00} in payments I found out that I still owed the full balance of the loan because the payments of {$210.00} per month were meant to pay only the interest on the loan and keep it open. Speedy Cash is now charging me {$1000.00}, which is a higher amount than what was originally agreed on.
Product: Debt collection

A Certified/Return Mail was sent to this creditor, XXXX c/o ACS requesting that the account # XXXX for the amount of {$40000.00} they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. XXXX c/o ACS must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

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

I have absolutely no idea what this account is, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report this account. 


Also this debt was proven to be fraudulent by the original creditor and deleted off my reports, Im contacting this creditor to ensure that they know that this debt here is uncollectable under the Fair Debt Collection Act 2009 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in XXXX at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pentagon Federal Credit Union ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
Product: Credit card

Equifax mistakenly close my {$1500.00} XXXX XXXX credit card without my permission they said they thought it was reported fraud by me but they see the error on there behalf and also stated I should put in a complaint with the CFPB so now I have lost access to my credit card my funds and XXXX XXXX is saying I may have to receive another hard pull on my credit report to get a new credit card
Product: Credit card

Since XX/XX/XXXX I am trying to fix this account, my id was stolen with XXXX credit card, XXXX credit cards re-open my account with a different account # they used all my credit cards, XXXX, XXXX, home depot, sears, XXXX all my ID was stolen and used my credit cards I emailed many forms to office depot and I reported all the credit frauds to XXXX and credit cards company they still used my credit information as US citizen we deserve better protection I told them to put a fraud alert and to freeze my credit and they still used all my ID they did all the purchase and they even asked for ID when they were using my ID? I have all my statements the last statement dated XXXX XXXX I paid {$190.00} check # XXXX dated XX/XX/XXXX then I found out this was up to XXXX? these are unauthorized charges I called this XXXX I told them about the fraud called back in XX/XX/XXXX I wrote them a letter to get my balance and to report the fraud and never did anything see attached documents please i need help I was going thru a difficult divorce going to counseling taking my son to counseling and then I lost my job of 15 years then going thru a difficult divorce XXXX, I never had time to take care of this issue since I reported the ID stolen to experian and told them to put a fraud and freeze my credit and lost job never thought they were going to use my ID my social and my US citizen papers, I even wrote a letter to a Lady XXXX XXXX and talked to XXXX XXXX I think his last name is I do deserve better consumer protection. I will paid my balance but not for unauthorized charges when I told them to stop my ID my social etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX on XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX XXXX
Product: Credit card or prepaid card

On the last week of XX/XX/XXXX I opened a XXXX credit card with chase bank because they offered a promotion of XXXX dollars statement credit if I spent XXXX on the first two months. So I did use the credit card to pay for some XXXX tickets on XX/XX/XXXX they charged {$49.00} as credit card fee. I paid XXXX dollars for the tickets plus XXXX on a different transaction to complete the XXXX dollars requirement and as of today XX/XX/XXXX they havent applied the credit they promised on their ad and every time I called they said they will check and have me call back even when their agents confirm that I should get the credit. Last month I paid whatever amount I owed besides those XXXX dollars credit to avoid paying interest on it but they will keep charging interest. I feel like I was deceived by Chase Bank because I didnt need nor want their credit card and the only reason I got it was because I thought I would save some money by doing it but in the end is costing me more on interest and by the time they decide to apply the credit they promised if they do it I probably would not have saved any money anything at all and may be pay more than if I had paid with my other credit card. Not to mention that now Im stuck with a really high interest credit card
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Reporting act XXXX Account has violated my rights. 
. 15 USC 1681 Section 602 states I have the right to privacy.

.15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

.15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting

I have disputed inaccurate personal information and inaccurate accounts on my credit file with Experian. They will not provide me with method of verification per FCRA Section 611 ( a ) ( 7 ). They just tell me in a letter " verified, '' which under the FCRA is not sufficient. They continue to ignore my requests and are not completing the requirements per FCRA to furnish such records.
Product: Credit card

I am repeatedly charged multiple times a month for purchases that are not mine. Apple refuses to block these charges and, after closing my card and getting a replacement for my card, this still continues to happen. Now, Apple is refusing to refund these charges that I did not make, did not approve, while I continue to ask they they deny any charges that are not mine. Please help me get Apple to do the right thing and stop charging me for charges that are not mine - and refund me for the charges that have posted that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never attended XXXX XXXX University. I XXXX  in 2018 from somewhere else. I never went back to college. I think this was listed as a prospective school but I never attended here.
Product: Credit reporting or other personal consumer reports

There is inaccurate information on all three of my reports. I've tried to dispute over and over again. i'm told the information was already investigated so they will not reinvestigate the items any further.
Product: Debt collection

I am filing this complaint against XXXX XXXX and Bounce AI , Inc. for violating Section 615 ( f ) of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits the sale or transfer of a debt that results from identity theft once the creditor or debt collector is notified of the fraud. 
On XX/XX/XXXX, I notified Happy Money and its servicer, XXXX XXXX XXXX, that the debt associated with Loan ID XXXX was fraudulent and the result of identity theft. I provided all required documentation, including [ state whether you sent a police report, FTC identity theft affidavit, or other supporting documents ]. Despite being informed, XXXX XXXX transferred and sold this debt to Bounce AI , Inc. on XX/XX/XXXX, with a balance of {$16000.00}. 
This sale directly violates Section 615 ( f ) of the FCRA and has further impacted me by potentially damaging my credit report and subjecting me to harassment by Bounce AI , Inc. for a debt I do not owe. 
Thank you for your attention to this matter. 
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company for a investigation to modify accounts that are reporting incorrectly. This company have filed to report accurate information as 15 U.S.C 1681s-2 ( A ) ( 1 ) Also this company did not have my written permission as 15 USC 1681 Section 604 A Section say Also I have right to privacy as 15 U.S.C 1681 section 602 A.

Please hold these company accountable and reomove these accounts that are interfare in my life.
Product: Debt collection

I called to National Credit System to get a discount and the answer I got was rude and they said I had to pay the bill for the maximum amount. I didnt have right to call to negotiate ; either it paid everything or didn't call then. The proof that they sent me that the collection debt was mine, was an apartment inspection paper and that they could not contact me. I still kept the same email and i kept the same phone for 1 year, I asked for a copy of the contract or email that the apartment complex try to contac to me to see the veracity and they refused. 
I spoke that time with a XXXX XXXX costumer service and when I called back to talk with someone else they said here we dont speak XXXX