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

I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, XXXX & Experian : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported all fraudulent inquires to reporting agency XXXX XXXX. 
Inquiries have not been removed ; all inquiries listed below. 
XXXX XXXX XXXX XXXX XX/XX/2021, 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

They sent copies of credit card statements with 3 digit numbers, no copy of the contract I told them that the account did not belong to me. 
They filed court paper work, I went to court and the case was rescheduled, I went to court a second time and the sheriff said all cases had been rescheduled till further notice. I was out of town when the sheriff tried to serve me again, but he left his business card in my storm door. When I returned from vacation I called the sheriff to inquire and was told I would be served again. 
I was out of town again, and while out of town I received a e mail from the clerk of court stating that my court date was the next morning at XXXXXXXX XXXX 
I called the clerks office to inform them I was out of town and I asked for a continuance, no one answered so I left a message, and I sent a XXXX mail to the clerk of court, no one responded I let them know when I would be returning home. When I returned home I contacted the clerk of court 's office to see what was going on but the clerk never contacted me. 
On XX/XX/year> I received a letter in the mail which was a judgement. I informed the court and collection agency also that statue of limitation had run out according to Louisiana law as well as Delaware law where XXXX XXXX, XXXX is registered. My complaint is the debt is not mine and the statue of limations has run out by 6 years according to law.
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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted numerous disputes attached with identity theft reports from the FTC and XXXX Police department notifying Equifax credit bureau of several fraudulent inquiries. They have failed to remove tmthe fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached files - unauthorized credit inquires are listed per my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit reporting act. The list of accounts below has violated my XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights I look at my XXXX report XX/XX/2024 and noticing things are incomplete and not accurate. And according to the Fair Credit reporting whenever a consumer reporting agency prepares a consumer report itself follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is to be found inaccurate or the incomplete or can not be verified the consumer reporting agency shall- ( I ) Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has a reasonable cause to believe that information is inaccurate. 

Delete accounts account name account number from my credit report because of these multiple violations of the Fair Credit reporting act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Collection Account on Credit Report XXXX XXXX Dear LVNV Funding LLC, I am writing to formally dispute a collection account listed on my credit report associated with XXXX XXXX. This account is inaccurate and results from numerous violations of my consumer rights as protected by federal law. 

**Grounds for Dispute** * **Lack of Validation : ** Despite requesting validation of the alleged debt, you have not provided any information whatsoever, as required under 12 CFR ( b ) ( 5 ).

* **No Opportunity to Dispute : ** Section 12 CFR 1006.34 ( c ) ( 4 ) ( i ) guarantees me the right to dispute an account. You have not granted me this opportunity. 
* **Misrepresentation and Deceptive Practices : ** The collection agency is engaging in false, misleading, and deceptive practices that violate my consumer rights.

* **Unauthorized Reporting : ** According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), a collection agency must provide legally required disclosures before furnishing information to a consumer reporting agency. You have failed to comply.

**Actions and Requests** 1. **Debt Validation : ** Please provide complete debt validation, including proof of the alleged debt and the purchase agreement between your agency and the original creditor.

2. **License and Bond : ** Please furnish proof that your collection agency is duly licensed and bonded as required by law.

3. **Cease Communication : ** I am revoking all rights for your agency to communicate with me via text, email, or phone calls. All future communication must be conducted in writing.

I further dispute any and all debts allegedly owed to your agency.

**Consequences of Non-Compliance** Please be advised that failure to provide the requested information and rectify these violations will necessitate further action, including the potential filing of complaints with relevant regulatory agencies and the pursuit of legal remedies. 

I expect a prompt and thorough response to this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing 2 accounts fraudulent from XXXX XXXX and Transunion XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XXXXXX/XX/XXXX. Listed accounts and inquiry do not belong to me and must be removed from my Credit Reports. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting XXXX XXXX and Transunion to mark these accounts and inquiry as fraudulent and remove from my Credit Reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company or Organization : XXXX XXXX XXXX Account Number:XXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX  XXXX, XXXX  Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Chase directly as well as the credit bureau, my account is filed as closed through Chase yet is reporting open on XXXX. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to chase it shows those months as paid. 

I've called Chase and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment fees and negative reporting on my credit file associated with my account. I recently noticed that my account has been impacted by late payment entries, which I believe were either incorrectly applied or occurred due to circumstances beyond my control. 

I thought I made a payment on time but it wasnt processed, I think there was an error with autopay. 

I kindly request a review of my account and, if possible, a reversal of the late fees and removal of the late payment entry from my credit report. I have been a responsible account holder, and I value my relationship with all of my Credit Cards. As a goodwill gesture, I hope you will consider adjusting my account accordingly. 

I have attached relevant documents, including payment records and any supporting information, to assist with your review. Please let me know if you need any further details. I appreciate your time and assistance in resolving this matter.
Product: Checking or savings account

Since XX/XX/2023 I had no access to online account. Contacted chime several times sent requested information to chime several times.This process went on for months. Still no access. Decided to close account. Was told I'll receive my funds in 30days still no funds. Contacted chime to verify I was told they couldn't find account.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX
Product: Mortgage

The account in discussion is Keybank NA account # XXXX the issue at hand is a late pay reported in XX/XX/2020, due to Covid-19 I was unable to make the payment. When I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or Any other adverse item of information, other than records containing convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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__________________________________ I AM, The Victim Of Identity Theft / Fraud ; ; As,, All Proof Of Documents Enclosed. As, I AM Responsible For, Any And All, Documents Submitted To Local, State, And Federal Law Enforcement Agencies ; As, The Following Documentation Is Included : FTC ; Police Report ; Proof Of Law Enforcement Emails ; And, Identification. According To 15 US Code 1681, inaccurate data and information must be removed and deleted immediately ; and, in accordance of US Code 1681 1602p " UNAUTHORIZED USE OF CREDIT CARDS " ; as, I DID NOT provide any lawful nor legal consent to establish the enclosed accounts. Therefore, according to Federal Consumer Law, the enclosed accounts must be deleted immediately.

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding a collection account i have on my credit report from collection agency XXXX XXXX, XXXX of {$750.00}. I sent my first letter to Equifax on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is verified, without any hard evidence going all the way back to the ORIGINAL creditor. The verification was from a third-party database. 
On XX/XX/XXXX I sent my second written request to Equifax asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and receive same response- verified without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Equifax did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. 


This has impacted my life in such a negative way, not being able to qualify for credit or buying a home.
Product: Checking or savings account

I have reached out on multiple occasions to PNC Customer Care Center and Executive Client Services to resolve an issue of fraudulent charges that were made to my account. These charges were reported within the required 60 days per PNC Bank agreement/policy but have not been afforded a permanent refund to the account. After multiple attempts to have a caseworker resolve the matter, I forwarded a letter of the disputed history to the Case Work, XXXX. The letter included the multiple reentry dispute numbers that were assigned by the bank representatives, which were due in part to incorrect logging of the initial dispute. I believe this caused an error for PNC to deem the matter reported beyond 60 days for fraudulent charges that dated back from XX/XX/2021 o XX/XX/2021. XXXX nor the initial Case Work, XXXX XXXX returned my calls with any explanations of the details or outcome of their investigation. I have only received computer-generated letters indicating that the matter was resolved and my refund denied because it was not reported within the 60 days. I have bank statements and chronological documentation that proves I reported the fraudulent charges within days of discovery. I feel I have been intentionally given the runaround and all the representatives offer is to repeatedly re-enter the same dispute under a new case number. I have lost a total of {$850.00} from fraudulent transactions to my account, which the bank representatives have acknowledged, yet will not honor a refund.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of a fraudulent accounts in my Experian credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Experian report. 

After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. 

I am puzzled as to why Experian continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my Experian credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Upon requesting information for Ally in regards to whether the appropriate tax documentation had been submitted to the IRS and notification of my intent to negotiate settlement of debt ASAP, my account was designated as a " Consumer Fraud account ''. I called the ALLY representative who stated that although no fraud was committing because they did not report tax information that it was protocol. I was then faced with punitive action by despite no wrongdoing. This punitive action included Ally breaching my contract and changing payment terms. Despite having made all payment on time, Ally made it impossible to make payments outside of non standard methods such as cashiers check or XXXX XXXX. Ally also removed my ability to access certain features in my account portals, such as online, payments, pay off quotes etc. When I called Ally, they would transfer me from department to department as my account was flagged as fraud making it very difficult to receive any information to payoff my debt and sell my vehicle. On multiple occasions Ally agreed to send payoff amount and then did not do so. Ally also refused to grant copy of title to provide my bank for payoff. Ally created a discriminatory and negative client experience for punishment in asking legal questions.
Product: Debt collection

I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges for an apartment that is keeping me from obtaining proper housing. I have noticed that this company is also reporting inaccurate amounts to credit bureaus. Company is adding interest to the debt they claim I owe and reported different balances to the credit bureaus.
Product: Debt collection

We were covered under medical insurance and the company indicated that they were not sending this account to collection. Under the Fair Credit Reporting Act, We never received any written, oral or email notification that this account was going to collection or would be reported to the credit bureau.