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

Dispute of Inaccurate Account Reporting Request for Deletion To Whom It May Concern, I am formally disputing an inaccurate account that appears on my credit report with TransUnion and Equifax but is not listed on XXXX. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Reported Balance : [ XXXX ] Reason for Dispute : Incorrect/Unverified Account I have no knowledge or record of ever opening this account and request immediate verification per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Please provide the following : 1. A copy of the original signed application proving I opened this account. 
2. A full payment history and breakdown of charges.

3. Any supporting documentation verifying my consent to be responsible for this debt.

If you can not provide proper documentation within 30 days, this account must be deleted from my credit file immediately as required by FCRA regulations.

Additionally, because this account is not reported on XXXX, its presence on my TransUnion and Equifax reports raises concerns about inconsistent reporting and potential inaccuracies in your data.

I request a written response confirming your findings and the actions taken. If the account is not properly validated or removed, I am prepared to escalate this issue.
Product: Credit card

All through XXXX I received robocalls from a female robot urging me to contact Citibank about an " urgent '' problem with my Home Depot account. I do not have a Home Depot account. I called XXXX XXXX XXXX XXXX a Citibank customer service number. I spoke with XXXX -- # XXXX -- very kind woman who spoke to a few people in " escalation '' to find out why I was being called. She confirmed that I did not have a Home Depot account -- there was nothing in the system attached to my phone number ( which IS on the Do Not Call Registry ) or my SS #. Citibank could not explain why I had been receiving these unpleasant, harassing " URGENT '' calls about my credit! I was on hold for approx 20 minutes -- and it occurred to me that Citibank employees were being PAID to take my call, but I was not being paid for the time it was taking me to find out why Citibank was robocalling me in error. So I decided to report this to the FTC. It is not acceptable that Citibank is free to robocall consumers. Citibank should be required to have a human being VERIFY that a phone number in their delinquent database belongs to an actual delinquent account. I then spoke with XXXX 's supervisor -- XXXX -- XXXX, who said there was nothing Citibank could do to compensate me for my time or the upset of receiving these calls. All he could do was apologize. I just do n't think that 's a good enough response. I look forward to your thoughts. The {$180.00} I am claiming as a loss reflects the value of my time spent on the phone with Citibank and to type up this complaint. Tack on some more for emotional distress. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Per the FCRA XXXX XXXX XXXX my credit profile is showing a lot of inaccurate information.My profile is showing a lot of charged off accounts that were sold and I never received a XXXX. I would like these negative items deleted from my credit report and a updated copy mailed to me.
Product: Credit reporting or other personal consumer reports

Inquires were not authorized or made by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In XX/XX/XXXX, I was contacted by a company saying they are XXXX and that my computer was compromised. I allowed them to access my computer which is a XXXX  XXXX. Sitting there, I was watching them copy files from my computer and realized I was being hacked. I immediately stopped the incident. I then contacted XXXX and they confirmed it was not them who contacted me. 

In XX/XX/XXXX is when the first charge to my Chase XXXX XXXX # XXXX was made against my card. Charges of {$390.00} and many similar charges wree made to my card of which I was not aware for many months that this was happening since I had paperpless statements and was not receiving any paper mailings.The fraudulent charges continued until XX/XX/XXXX. 

I contacted Chase to let them know what was going on and disputed the charges. They did their investigation, cleared the charges and then months later reinstated the charges back on. I'm now responsible to pay these erroneous charges. Most of the charges were to an XXXX dating service. 

My credit has been horribly impacted by this and I have not been able to refinance my home due to Chase not believing these charges are not mine. 

I filed a Police Report ( Report # XXXX XXXX dated XX/XX/XXXX
Product: Mortgage

I need a detailed listing of every trnsactio my mortgage loan went through with Wells Fargo. I bought my home in 1998 through XXXX XXXX and then it transfered to Wells Fargo and no idea from there. Somehow it got put n to the hands of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX and t seems I was left out of the loop but yet foreclosed on. I Want to see all of these transactions that transpired up to this foreclosure. Ialso want toknow how a foreclosure started by XXXX XXXX XXXX, ells Fargo attornie whom was disbarred by New York state Attorney General XXXX XXXX was allowed to be changed to other attornies, using the same paperwork stated by XXXX XXXX XXXX, was even allowed permissable to foreclose. Wells Fargo, seems to me you have had to apologive a few times in your paperwok for some major discrepencies. I have no plan to stop my investigation in to this and I have called on Donald TrumpXXXX the news media and Senator XXXX XXXX for assistance.
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint due to the unauthorized inquires on my credit file. They are fraudulent and not mine. 
I have sent in a FTC report via mail but also attaching it here. 
As a consumer, I know my rights per the law and aware that anything regarding identity theft should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNT BECAUSE THEY ARE DO TO A DATA BREACH WHICH MY INFO WAS EXPOSED.
Product: Debt collection

The collection Agency has engaged in false and misleading practices violating FDEPA 807. Additionally, they have provided a form violating FDEPA 812. 

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

When I reviewed my credit report, I discovered that some of the information was 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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX : {$19000.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B A creditor may not treat a payment on a credit card account understand an open end consumer credit plan as late for purpose.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 


XXXX XXXX XXXX
Product: Debt collection

An account with XXXX XXXX XXXX  was opened in my maiden name on XX/XX/year>. I have submitted a dispute with XXXX to remove the fraudulent account from my credit report. The dispute came back with nothing changed. I contacted the debt collection agency who purchased this debt XXXX XXXX who will not remove this from my credit report and is suggesting I pay the debt. I believe this whole situation is part of some bigger fraud or scam. How in 2 months did this go into collections and be purchased by a debt collection agency?
Product: Debt collection

IVBE CONTACTED THIS COMPANY SEVERAL TIMES ASKING THEM TO VALIDATE THERE DEBT THEY HAVE N'T AND STILL CONTINUED TO REPORT TO ALL XXXX CREDIT AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}
Product: Checking or savings account

I came home from work on XX/XX/2022 checked my mail and found a debit card opened in Eastern Bank that I never opened. When i called about it after checking my social security number, birthdate, driver 's license #, email address etc most of which was incorrect I was told to call the police department to report the fraud and to report it to the FTC as well as the various credit agencies. 

The account was opened online on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through Experian XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact Experian who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their report!
Product: Credit reporting

Against : XXXX illegal credit reporting The collection agency has violated the Fair Debt Collection Practices Act. Has never communicated with me, I am requesting proof that they communicated with me if they are claiming so ( mail tracking, etc ). A collection agency can create a letter, at anytime, back date it, and falsely claim that they have sent it to the consumer. This has become common practice for collection agencies which they conveniently " do not have any proof that the consumer was notified ''. As a consumer I never had the chance to ask for proof of Debt or communication with this company. As a part of this claim, I am willing to provide concrete proof, legal documents which show that I lived and worked in a US Territory.
Product: Debt collection

I CALLED THE OFFICE ( Fradkin & Weber, PA ) TO GET INFORMATION ABOUT THE XXXX DEBT THEY CLAIMED I OWE. I MOVED FROM My old address. IN XXXX XXXX XXXX. IM NOT SURE EXACTLY, SO I NEVER RECEIVED ANY THING IN THE MAIL, ON MY CREDIT REPORT, OR PHONE CALL, ETC. THERE WAS NO CONTACT from them. 

XXXX XXXX SAID THEY DO NOT HAVE DETAILED INFORMATION AND TO CALL THE COURT. I CALLED THE COURT CLERK, WAS ADVISED THAT FRADKIN & WEBER SHOULD HAVE THAT INFORMATION. IN THE MEANTIME I CAN NOT REMEMBER ANY DEBT THAT I HAVE FROM XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection from XXXX XXXX on XX/XX/XXXX, under the account number XXXX for {$3800.00} and a credit card opened at XXXXXXXX XXXX on XX/XX/XXXX, under the account number XXXX an installment loan at XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on the consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

I have an American Express gift card for {$1000.00} that I am unable to use. I have tried multiple retailers, online and in person, and it has been declined every time. I called the number on the back of the card and it is just an automated menu and I am unable to talk to a customer service representative to try to resolve this issue. I have a gift card that someone spent a lot of money on that I am unable to use.
Product: Credit reporting or other personal consumer reports

THIS WILL BE MY XXXX ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING XXXX INFORMATION TO MY CONSUMER PROFILE.

I HAVE NEVER HAD AN ACCOUNT WITH THIS XXXX. I REQUESTED VERIFICATION AND THIS ACCOUNT IS XXXX.

ALSO AFTER FURTHER INVESTIGATION XXXX XXXX DOES NOT HAVE THE PROPER XXXX TO ATTEMPT TO XXXX ON ANY XXXX  IN THE XXXX XXXX XXXX I HAVE THE RIGHT TO XXXX  AND HAVE NOT GIVEN ANY XXXX XXXX FOR THIS INFORMATION TO BE REPORTED ON MY XXXX PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B.

FURTHERMORE FURNISHING AN ACCOUNT DUE TO XXXX XXXX IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY XXXX PROFILE IS AFFECTING MY ABILITY TO OBTAIN XXXX.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, has had a account on my Equifax credit file too long. I filed Chapter XXXX Bankruptcy in XXXX 2008 and informed the court of all my present accs at that time, XXXX never responded to be added to the claim but years later reported to the credit bureaus that I still owed them. I decided to pay the amount anyway but they refuse to remove info from my credit file. I have reported this to the credit bureaus and still no help.
Product: Credit reporting or other personal consumer reports

I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. I also contacted the company regarding the account below and they have failed to validate this account. You are reporting negligently and inaccurately and failing to comply to the FCRA. I demand that these items be deleted immediately and updated. I also demand that you send me a credit report with the updated changes within 30 days. Please see the attached data breach claim and the dispute letter which is dated and time stamped. XXXX XXXX XXXX
Product: Debt collection

I am attempting to perform a refinance for dept consolidation. I was advised to address negative credit reporting from my credit report ASAP. Gold Key Credit appears on my credit report 4 times as a creditor  experiencing delinquency. I have never had an account with the company or received an invoice or anything substantiating that I have a debt to them. I am a XXXX XXXX retiree and XXXX  victim. My wife was diagnosed with XXXX a year ago and I have resided with her in XXXX XXXX XXXX ICU for the past XXXX days. It is imperative that I get negative reporting removed from my Credit Report for an improved score and my refinance approved. Reviews of the company indicate that they data mine for any outstanding medical dates and consolidate them for negative credit reporting with varying degrees of accuracy. 
I have always had superior Medical Coverage and never avoided paying a copay at time of service. It would be a great accomplishment to get bottom feeders like Gold Key banned from negative credit reporting. If someone was not paid for one of my accounts it was an error or the care provider did not document what service they performed with date and location of service to be paid by my insurance. This is the first attempt to address these 4 negative entries on my credit report.
Product: Debt collection

I received two letters from NSA Collections agency stating I owed XXXX XXXX XXXX {$34.00} and {$19.00}. I've NEVER even read this magazine, let alone subscribe to it. It gives you a number to call but you're on hold forever. It gave you the option for them to call you back, so that's what I did. They never called. It also gives you a website that doesn't work. They're number is XXXX and their website listed on the letter is XXXX. Now I am afraid they can steal my information.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX and TransUnion in regards to my rent not being reported to my credit report. Ive been in constant communications with XXXX XXXX and I agreed to them reporting my previous 2 year transaction history of rent being on time to XXXX and TransUnion, but to this day, nothing has been updated on my credit report, so I would like to know why is this information being held from my credit report. I tried to correct this online through the different credit agencies website but its limited, I can only dispute information thats currently on my report. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed here by XXXX and TransUnion. The Fair Credit Reporting Act ( FCRA ) protects against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the ( FCRA ), it can cause lower credit scores, denials of credit, higher interest rates on loans and credit extensions, and more. I know there is currently a lawsuit against TransUnion for failure to ensure the accuracy of tenant screening reports and thats exactly whats going on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.
Product: Debt collection

In XXXX 2016, a new collection account had posted to my credit report from a company that I had never heard of. I called the company, because I never received any notification to dispute this debt prior to it been reported to my credit report. 

On XXXX XXXX, I sent a certified debt validation letter requesting this company provide me with proof of the debt that they are trying to collect. It 's been 30 days and they refuse to send me any information that proves to me that there is a legitimate delinquent debt that I owe to them. They are negatively impacting my credit report with inaccurate information and I was n't given the opportunity to dispute the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I co signed for another person to get a vehicle. The car dealership wan only supposed to go with XXXX XXXX however my credit was hit with nine different inquiries and XXXX XXXX was on my credit report 2 times. The following inquiries were on my report as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2022 I did not give any consent to the other inquiries and believe the dealership did this to find the best deal however I was not notified at all when my credit was run 9 different times.