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

As per the guidance from the XXXX XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts : Ally Fincl {$23000.00}, XXXX XXXX {$1100.00}, Rise {$0.00}, Bank XXXX XXXX {$18000.00}, Money Lion {$0.00}, Please Remove all address & Update with my home address XXXX XXXX XXXX, XXXX XXXX Tx XXXX
Product: Credit reporting or other personal consumer reports

I am very dissatisfied with equifax and transition with their lack of attentiveness to dissolve the unauthorized hard inquiries on my report. I typically monitor my XXXX, and come to find out all this unauthorized hard inquiries and even expired inquiries are still reflected on my report. This is a terrible service and this has hurt my credibility to lenders. 

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 USC 1681. 

HARD INQUIRIES AS REPORTED ON EQUIFAX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


HARD INQUIRIES AS REPORTED ON XXXX : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These hard inquiries are a violation of my privacy and outdated. This is a violation of my FAIR CREDIT REPORTING ACT. 
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, credit repair services, or other personal consumer reports

Urgent Action Needed : Discrepancies on My Credit Report " Notice to agent is notice to principal, notice to principal is notice to agent. '' I hope this message finds you well. I am writing to express concern regarding several inaccuracies found in my credit reports provided by your agencies. These discrepancies are impacting my creditworthiness and causing undue obstacles in my financial life. 
As per the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I kindly request you to investigate and correct the following discrepancies : 1. Name Variations : The only correct name on the report should be XXXX XXXX XXXX. Please remove all other variations including : * XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX * XXXX  XXXX XXXX * XXXX 2. Employment History : The sole employer listed should be XXXX XXXX. Please remove all other employment records including : * XXXX XXXX * XXXX XXXX  * XXXX XXXX * XXXX XXXX XXXX * XXXX 3. Contact Numbers : Please remove all phone numbers except for ( XXXX ) XXXX. The numbers to be removed include : * ( XXXX ) XXXX * ( XXXX ) XXXX 4. Residential Addresses : The correct and sole address listed should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please remove all other listed addresses including : * XXXX XXXX XXXX XXXX, IA XXXX * XXXX XXXX XXXX XXXX XXXX OK XXXX * XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * And other incorrect addresses as provided Your immediate attention to this matter is not only greatly appreciated, but also crucial in maintaining the integrity of your reporting. I'm sure you understand the importance of accurate credit reports, and I'm counting on your professionalism to quickly rectify these errors. 
Please note that failure to resolve these inaccuracies may constitute a violation of the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
I look forward to a resolution to this matter. Thank you for your prompt attention. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested that each bureau ( TransUnion and XXXX ) to remove derogatory items from my credit report more than once. I got responses concerning other irrelevant issues but no action or investigation was submitted. By law i'm am entitled to the sum of the items and you must remove block all derogatory items.
Product: Debt collection

XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month. Within the last 3 months they have removed the account, increased the amount, decreased the amount then now increased the amount. According to the fair act they are supposed to report accuarate information and they have not, please delete the account as it is signficantly hurting my score.
Product: Checking or savings account

On XX/XX/2021, the bookkeeper at the XXXX XXXX XXXX XXXX ( of which I am the XXXX  and XXXX XXXX XXXX ) created a check payable to XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$10000.00} using our online checking account with Chase Bank. On XX/XX/2021, we learned that XXXX XXXX had never received the check even though it had been cashed and the check cleared our account. After investigating and reviewing the canceled check we learned that it had been fraudulently endorsed as follows : XXXX XXXX XXXX XXXX XXXX Pay to the order XXXX XXXX '' and XXXX XXXX XXXXXXXX ( XXXX ) had accepted the check. No one at my company or XXXX XXXX XXXX knows this person. After many inquiries with Chase bank and after preparing the attached affidavits we were told by Chase  that XXXX required XXXX to investigate. After 120 days we checked again with Chase and were told that XXXX has not responded. We have repeatedly made requests for reimbursement from Chase since then, but we are told every time that XXXX  has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to all 3 bureau on XX/XX/XXXX asking to verify the following accounts and ensure that all of the information on them were accurate and correct. Each letter was mailed through XXXX and delivered. After about 45 days I received a letter from each stating that they updated some DATES and everything else was accurate. Upon very carefully reviewing my credit, these accounts still show a number of alarming discrepancies. There are multiple important dates, balances and even account status errors that I came across while conducting my review. 

The following are all of the accounts i request be reviewed. today is XX/XX/XXXX and all of the information for these accounts are incorrect. 

Account : Unsecured Loan Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Educational Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


In accordance with the Fair Credit Reporting act these accounts have 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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT WRITTEN INSTRUCTION.
Product: Checking or savings account

Denied me opening a claim of an unlawful transaction. Didnt offer me help just told me they couldnt help me with my claim
Product: Debt collection

This was an original car loan for my daughter obtained in I believe XXXX. I lost job & was not able to keep up payments & returned vehicle to bank. I never received any correspondence regarding the balance car was sold for. I have received documents from my HR department just now ( XXXX  ) advising the company Truist Bank is now going to garnish my check. I had a XXXX XXXX  XXXX & current XXXX  loan debt that will put me in more delinquent debt if this garnishment is initiated. This garnishment will take several years to pay off. I also would like the original contract & documents showing what car sold for. The amount shown with my HR department and what's on my credit report are XXXX different balances.
Product: Credit reporting or other personal consumer reports

Over two-months ago, while applying for a home equity loan, I learned that since I had a " derogatory/no payment/charge off/written off/loss to XXXX '' that I was unable to obtain one. This was news to me as it was handed in and paid for in XX/XX/XXXX. I called XXXX multiple times to speak with someone but I was advised that I would have to contact the credit bureaus. I then mailed XXXX and the credit bureaus all of XXXX 's documents proving that the lease was given back to them at the end of the lease. It was sent to their lease inspectors, XXXX, a couple days later and shortly sold to a buyer in Virginia. At this point, it should state " Paid in full '' only. This lease was handed in, in XX/XX/XXXX and it is now XX/XX/XXXX. XXXX 's inaccuracies in reporting have put an undue hardship and stress on me for many months now.
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 USC 1681. 

XXXX : # XXXX, XXXX XXXX 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.

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

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

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

Just found out XX/XX/year> that Bank of America closed out account and there was a balance past due on card. I found out through my XXXX XXXX. I called Bank of America instantly let them know never received a statement, letter, or a phone call about this account. I was told they put me on paperless. I never signed up for paperless nor would I. I have all bills sent to me. Never new there was a balance of {$60.00}. I paid the debit right away upon knowing about it. I would like this off my credit report as it has dropped my score XXXX points or more. Bank of America should not have switch me to paperless and they should have contacted me that it was past due.
Product: Credit card

I have ( XXXX ) citi cards, XXXX visa and XXXX mastercard. This pertains to my citi visa card. Earlier in the year, I did a balance transfer in order to pay the balance without APR. Since then, I charged additional dollars on my citi vsa card during a certain 2 months. I always pay my cards on time and alot more than the minimum balance due. Since XXXX I have {$4700.00} toward this card. They have lowered my limit twice this due to " credit report review. '' They have not disclosed specifically about what caused the limit to decrease. Once I called and they told me due to another delinquent payment on another card. This is untrue because I have not had any delinquent payments to another card. I pay all cards on a regular scheduled basis. They said they sent me a notice but the email notice only includes the notification of the decrease limit. These actions are contributing to a lower score because it seems as if I am more maxed out than I would be if the limit stayed the same as it was in the beginning of the year. I asked the representative today where does it show that they are allowed to lower my limit. She said in my terms and conditions. I could not find the statement that shows this information. Then she mentioned it does disclose my APR could change. However, a change in APR is completely different than changing my credit limit. I wanted to to understand why they were doing this. Asked for a supervisor. Their response, " There is nothing we can do for you but have you reapply for a limit increase.It is too late to do anything from the credit decrease in XXXX. '' XXXX, I think I remember doing this already earlier in the year and still were not able to give me any more information. I am on a vigorous financial plan to payoff the credit cards, $ XXXX per month and have been for 7 months. I do n't charge more to the cards with the exception of one because there is no APR on it and they are business expenses. I do not live off the cards and have enough income and managing everything appropriately. They have failed to provide sufficient information as to why they are taking this action which adversely affects my credit score while I am trying to retain my credit score.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy
Product: Student loan

Hi, I have a 2 year XXXX XXXX in XXXX and my loan amount is XXXX. I have attempted numerous times to get this balance to a reasonable amount. The FEES are more than my total loan used to get the degree which came to XXXX. I have tried numerous times to speak to someone and explain that this practice is not reasonable. My loan was sold to another servicer and more and more fee 's were being added on daily and when I paid it, the balance only continued to go up. This not something I could ever pay back or pay to get under control. 
thank you
Product: Credit reporting or other personal consumer reports

I have no connection with the listed creditors, and these inquiries were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Product: Credit card

Chase Bank was supposed to have issued me a refund on the amount I overpaid on my Chase Hyatt Credit card back on XXXX XXXX 2015 for {$1600.00} and so far as today I have not received thus check.
Product: Credit card or prepaid card

THD/CBNA ON XX/XX/XXXX did a hard Inquiry that I was not made aware that they where going to do a hard inquiry. In the past i had THD/CBNA card so when they offered me a promotion in the store they did a hard inquiry and did not make me aware that they where doing so. I have had a credit card with them for years so i don't know why they would do a hard inquiry. 
Also, recently THD ( The Home Depot ) XX/XX/XXXX did a soft inquiry and for what reason i have no idea.
Product: Debt collection

I had a debt with XXXX in which they doubled my bill and charged for a month of service I didnt use. I settled with XXXX in XXXX of 2020 for {$53.00} dollars, and that I was told made it paid in full. I paid and my credit score went up in response. Now, 6 months later, they decide to bill me for the same amount I settled for in XX/XX/2020. I do not owe XXXX anything. How can I trust a company that does this? If I paid again, would they wait another 6 months and bill me again? 
XXXX is a horrible company that gouges their customers at every turn.
Product: Checking or savings account

{$5.00} debit charges on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from checking account with a pending transaction on XX/XX/XXXX to XXXX. XXXX XXXXXXXX XXXX XXXX is indicated as the payee. XXXX has confirmed by voicemail to me that no charges were initiated by them. This was conveyed to my bank, Citibank and upon their investigation declared the charges valid. No proof was offered. 3 charges were temporarily rescinded, but now Citibank is rescinding the return. I explained to Citibank that previously I had an account that paid utility bills with the name XXXX XXXX phone # XXXX XXXX XXXX, but it was terminated in XX/XX/XXXX. Citibank continues to charge {$5.00} each month
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit reporting agency claiming I owe {$3200.00} on my credit report this month!! I dont owe it!!! There is a flag on my account to confirm identity. XXXX credit agency has never contacted me!! 

XXXX XXXX XXXX  reports from 7 years ago I owe {$420.00}, they went as far as showed payments - I never made payments - its not my account!!! 

Ive contacted both companies who cant prove its me and I cant prove its not me!! I have no paperwork or evidence for credit I dont have!!!! 

You did nothing when XXXX stole {$2500.00} from me so I doubt you will do anything now!!!! Im sick of big companies stealing my life!!!! My credit is perfect and I pay all my bills!!!
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/year>, I received a text message from Capital One saying " thank you for sharing your phone number with us ... ''. I have never opened any accounts with Capital One, let alone visited their website, so I immediately called them to verify that no accounts had been opened using my information. They asked me to provide them with some information to check, which I did and the representative confirmed the information was current and forwarded me to fraud, which was really just an XXXX  robo call. My credit is usually frozen, but the robo call representative had me freeze my credit. This alarmed me that perhaps my credit was not frozen. I checked with all 3 major bureaus and my credit was indeed frozen, I had to call XXXX to freeze my credit over the phone because I was having trouble logging into the website to check to see if it was frozen. I then proceeded to place an Initial Fraud Alert on my credit with all 3 major bureaus. I checked my credit reports on XXXXXXXX XXXX XXXX  and no new inquiries were shown. 

On Wednesday, XX/XX/year>, I got a call from Capital One regarding " my account '' with them. I asked what account they were referring to and they said a XXXXXXXX XXXX store credit card. I now knew what my credit was being fraudulently used for. I informed them that I did not open this account and asked if they could close it. They said they would close it and would file a report to initiate an investigation, which would take 60-90 days. This put me on edge a little bit, especially because I RARELY go to XXXXXXXX XXXX unless I am dropping off my XXXX packages for returns. 

When I got home from work and line dancing that evening, I immediately went to check my credit report again for all XXXX major bureaus. I finally was able to reset my password for XXXX on my XXXX, their mobile website doesn't work apparently. Low and behold ... XXXX showed not only 1 new inquiry I didn't recognize, but 2! An inquiry from XXXX XXXX on XX/XX/year> and the one from Capital One on XXXXXX/XX/year>. It was too late to call, but I was stressing about it. 

This morning, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  and explained the whole identity theft situation. They told me an application was put in with a furniture store, the exact name was not disclosed and I didn't think to ask, and that it was pending and had not been approved. They cancelled the application for me and asked if I went by another name, to which I responded no because I never have. The representative informed me that my middle name was on the application and asked if I recognized it. As it is my middle name, I responded yes. The representative was very kind and filed a report to have the inquiry removed from my credit report and informed me it would take 60-90 days for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. This is my 2nd attempt to inform that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I previously asked to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have failed to send me copies of documents I asked from them. I also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and request that the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX