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

XXXX and XXXXXX/XX/XXXX pulled my credit twice without my authorization. 
my attempts to contact them to have the hard pulls taken off have failed. 
i now have some of my personal information stolen on the dark web. 
i dont know if it was because of them or something else. 
but the credit pulls, i want taken off. i did not authorize that. 
the phone numbers listed for XXXX and XXXX XX/XX/XXXXon Experian are XXXX and XXXX. 
i did a scan with XXXX XXXX from XXXX and XXXX and found out my personal info has been stolen. i also called XX/XX/XXXX about this and they sent me to XXXX which i didnt know is in XXXX, because of the language barrier and understanding, they werent able to help me to find out who stole my information. I use XXXX, XXXX, XXXX, XXXX, and my place of employment got ransomware attacked, so i have no idea where the theft occured and what to do. no one can help. this all didnt start until XXXX and XX/XX/XXXX XX/XX/XXXX pulled my credit without me authorizing it. I have received 2 robocalls since then threatening my arrest and for me to leave work immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address XXXX separate but related matters : A formal dispute of inaccurate information on my consumer reports from XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  and MicroBilt/PRBC. 
A request for a permanent security freeze and permanent opt-out on my consumer file. 
Part XXXX : Dispute of Inaccurate Information Upon reviewing my consumer reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). Below are the issues identified : Disputed Account XXXX Account Name : CREDIT COLLECTION SERV Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name CREDIT COLLECTION SERV. 
Disputed Account XXXX Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX 
I request a manual review of this information, as the inaccuracies require correction. I have attached copies of my reports with the incorrect information clearly marked. Please investigate and remove the inaccurate information from my reports, and notify me in writing of the results of your investigation. 

Under the FCRA, I am entitled to a thorough and transparent investigation of my dispute. If the investigation is not conducted properly, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected.
Product: Credit reporting or other personal consumer reports

Please remove the following mentioned accounts and inquiries from credit report. They are unauthorized and are fraudulent. The items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove fraudulent accounts. 

XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) {$2500.00} XXXX XXXX XXXX ( XX/XX/XXXX ) {$19000.00} XXXX XXXX XXXX ( XX/XX/XXXX ) {$31000.00} XXXX XXXX  XX/XX/XXXX ) {$400.00} XXXX XXXX XXXX XXXX$1100.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I would like all accounts removed from my credit report TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have never taken out a loan with this company an where did they get my information from an where did you send this money to
Product: Credit card or prepaid card

I have a credit card from Citibank for 11 years now ; in XX/XX/XXXX I requested a credit line increase and when I did they switched me to paperless billing, so I did not receive a statement XX/XX/XXXX. 
By the time I realize it the payment was late and Citibank charge me a {$35.00} dollar fee and raise my interest rate from 11.99 % to 29.99 %! 
I then contacted Citibank and they reduced the rate back down ; however, even if I was at fault it 's incredulous for them to raise your interest rate for minor violation, but the reason I 'm taking the time to file this complaint is the egregious tripling of the interest rate ; even if I were a poor performing customer with a low credit score, it should be illegal for them to TRIPLE anyone 's interest rate.
Product: Debt collection

XXXX cellular reported me for a debt of {$190.00} due to them saying they did not receive a phone back from me. Their records show that they received the phone on XX/XX/2022. They admit they took this phone off of their " blacklist '. But in error, it went to collections anyway.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a new credit card in the mail from Comenity Bank replacing my Wayfair account. The mailing had an activation promotion flyer that stated if you activate this account and make a purchase 90 days from the activation and charge {$500.00} or more on your account you would receive {$100.00} in cash rewards. I activated the account on XX/XX/XXXX and used the account to make a purchase with XXXX {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I had to reorder my blinds and recharge the account for the same amount because of a change to my blind order. On XX/XX/XXXX I spoke with a XXXX at customer service and asked if the promotion shows up at her end. She said it did not and the reason was because the purchase was deferred interest. I was never told that my purchase was deferred interest and I still have not seen this on my statement that it was deferred. XXXX told me we can not honor the promotion because of that. I told her that when I made the purchase there was never an option to defer payment instead. Yesterday I received another mailing for the same promotion spend {$500.00} or more and receive {$100.00} of next billing cycle. 

I felt that this was extremely misleading and therefore I paid my balance off. She also said that my rewards of {$27.00} can not be applied towards my balance. So I paid my balance off. 

I felt this company was misleading me so bad and I did not feel comfortable with them that I had to report this. 

Thank you,
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

As of XXXX XXXX, 2016 XXXX XXXX sold the servicing rights to my mortgage to a company called XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Co. 
XXXX. I have made numerous phone calls requesting monthly mortgage statement and as of today XXXX XXXX, 2016 I have not received statements for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX payments already paid. This is not acceptable. I want monthly statements reflecting all required infomation ie, balance, date payment received, allocation to interest/principle, escrow balance etc. 
The last phone call I made to the company a customer service person said they are having trouble with a new " Vendor ''. I still have no statements. Please help
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$720.00} XXXX  XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX  XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally submit a complaint concerning a collection account that appears on my credit report, which I believe represents a violation of my consumer rights. Over the past 2 months I have submitted several disputes to the consumer reporting agencies : XXXX, Equifax and XXXX ; asking them to verify the inaccuracies and have received no response. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my rights are upheld, and that the collection account is corrected or removed if found to be inaccurate or in violation of consumer protection laws. They have failed to provide validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Pentagon in XXXX and XXXX. I put a fraud alert on all my accounts and changed all passwords because someone tried to open accounts in my name. No ID or anything was summitted on my behalf to open an account. I personally called to close the account when i got mail sent to my house about this Bank. I tried disputing through XXXX but its still coming back as verified and I did not submit any applications
Product: Debt collection

I paid off the entire amount and on my consumer report it is still showing that I owe Merchants Credit Guide in the amount of {$700.00} dollars.
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 : XXXX XXXX XXXX  XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : {$540.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : IXXXX XXXX. XXXX ) XXXX Balance : {$240.00}
Product: Debt collection

My identity has been compromised by somebody I do not know. Please feel free to XXXX me if you have any questions or concerns.
Product: Credit reporting or other personal consumer reports

PLEASE DELELETE IS ACCOUNT NOW XXXX XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXX
Product: Credit card or prepaid card

Bank of American Credit Card Number : ending XXXX I would like to dispute multiple XXXX advertisement charges that I made for advertising for XXXX, a company that got shut down by Federal Trade Commission for being a scam and fraudulent company. 

DISPUTE for total of {$13000.00}, fraudulent advertising for XXXX on XXXX XX/XX/2018 {$25.00} XX/XX/2018 {$50.00} XX/XX/2018 {$250.00} XX/XX/2018 {$500.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$280.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/18 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$1.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$100.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} Total of 23 transaction in amount of {$13000.00} MOBE was a business education platform. It got shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent on XX/XX/2018. XXXX was permanently shut down by the receiver on XX/XX/2018. 

I was first introduced to XXXX  through XXXX ads in XX/XX/2018, I believed in the possibilities that was promised in the ad, and I believed in XXXX for endorsing the ad on its social media website. Soon I signed up with XXXX on XX/XX/2018. As soon as I sign up with XXXX, I started to introduce XXXX to the vast consumers using the advertisement function on XXXX just like the way I was introduced to XXXX. In short three months that I joined XXXX, it got shut down by FTC. I was one of the person who helped to spread it using XXXX advertisement function, and I was also a victim too. I was shocked with the power of social media that can helped to spread the scam contents virally. 

I am not sure if XXXX knew that there are people posting ads from questionable company to scam vast consumers utilizing their platform. XXXX advertising escalates and helped to spread and promote the scam exponentially. XXXX is a large social media who can not only focus on making money, XXXX had failed to safeguard this situation and allows people to post scam contents on their platform. 

I called Bank of America dispute department numerous times, I went to the branch to speak to the branch manager, I fax in related supporting documents, and I just can not get any response back from Bank of America for this dispute. Please help me, I dont know where else to go to. Thank you.
Product: Debt collection

this collection that is reporting on my credit is not my debt ( XXXX XXXX credit card ) of XXXX... I would like for this to be remove off my credit.
Product: Credit card

Kindly review the attached documents. I ask the bureau to commence an investigation into these accounts, as I am consistently on time with payments, yet they inaccurately depict me as late.
Product: Credit card or prepaid card

Back in XX/XX/2023, I added my wife as authorized used on my Bank of America visa credit card. Bank of America sent a new credit card on my wife 's name ( with same Credit card no and other details ). Now this card was stolen from my mailbox in my apartment. I never received the card. After few days I realized that my credit card has been misused when I checked my statement. I could see fraudulent charges to the tune on {$1500.00}. 

I immediately called and reported this fraud transactions to Bank of America and they opened a claim. Initially they provided the credit back in my card account but then they rolled it back and denied my claim quoting that I have used the card in person using pin. 

I reopened the claim and told them that this is incorrect and that I have never received the card in first place. I even went to Bank of America nearest branch but their representative told me the only option is to call them and they can not help. 

It has been more than 4 months and I have called them several time but Bank has not honored my claim and not doing anything to resolve it. It is lying in research status since then. Please check the attachment. I am long time customer for them and never delayed paying my card bills. Finally I have no option to open this complaint.
Product: Bank account or service

Just found out that I 've been paying for years through my Bank of America account for something called XXXX. Called BOA and they say it 's a XXXX party charge. They transferred me and XXXX says my husband signed up for this and they wo n't cancel it. Called BOA back and told them I wanted them to stop the charge from going through anymore and they refused. I apparently have been paying for something that I was unaware of. My money goes into this account, my name is on the account and I ca n't stop them from taking my money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX. {$0.00} XXXX bal. {$6600.00}
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i called XXXX XXXX credit card to resolve this and they said i could not pay them and the account had been deleted but they are telling XXXX that the account is correct and that i am missing payments and they report to the credit s every month that it is a charge off and they have sold the account to XXXX XXXX so i called them to pay off the account but they said they had trans fered it to some one else so they could not take the money put they are telling experian the account is correct but i cant pay ether of them so i have ask them to be removed if they cant take payments on the accounts how do i fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity. 

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!
Product: Debt collection

Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence.

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my one and only address for the past 20 years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account.

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws.

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX XXXX XXXX
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 under 15 USC1681. 

XXXX Account # xxxxxxxxxxxx XXXX, has violated my rights. 

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 items 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

i changed my name from : XXXX XXXX XXXX to XXXX XXXX non of the credit bureaus have updated my personal info and now i have no credit i was told to submit faxes/upload online to all XXXX credit bureaus and they have not updated my credit i need my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the following company that has a hard inquiry on my credit report on Equifax and they have no knowledge of me. XXXX XXXX XXXX/XXXX/2022