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

To whom it may concern, I've been disputing with the credit bureaus ( XXXX, Trans Union ) and the furnisher ( XXXX XXXX XXXX ) since XX/XX/XXXX, and as recently as XX/XX/XXXX& XX/XX/XXXX, to have an account removed from my credit report. I've identified all of the inaccurate & inconsistent information that was being reported, and I've sent both the bureaus and the furnisher physical evidence that this account was paid in full to the original creditor as " XXXX XXXX XXXX '' to which I've maintained constant communication. Their letters and website states If you have documents that release you from this obligation please forward a copy to us. Upon request, I've repeatedly asked proper documentation that identified the original creditor, open/close dates of the account, binding contract ( s ) and other vital information. None of these entities has presented anything tangible thus far ( bureaus and the furnisher ), but they've all ignored me. For example, on XX/XX/XXXX, I've disputed with XXXX XXXX certified mail to their Indiana office with information identifying myself, account #, and the release " XXXX XXXX XXXX ''. They said my letter was illegible ( when I typed it ), there was no account #, no signature and that I didn't provide enough information for them to identify the account. They referred me to their California office and I disputed with them on XX/XX/XXXX, they sent me the same response. I've submitted my fourth dispute with XXXX  onXX/XX/XXXX by certified mail, about inaccuracies with a certain account, days later received an email that showed they were re-investigating the wrong account, after I've provided them with the correct account number. On XX/XX/XXXX, I called their customer service # to rectify the issue with an XXXX   representative and they continued to give me grief and told me they couldn't do anything about it. As I've mentioned earlier, Ive pulled my credit report from reliable sources for the 3 major bureaus, and theyre all inaccurate, inconsistent, and the two furnishers have been inaccurately reporting from multiple offices from different states. The bureaus refuse to make the corrections and properly investigate my account. Ive attached copies of my credit reports from XXXX, XXXX, Trans Union, the certified release, a response from one of the debt collectors and I've placed RED ARROWS where there are inaccuracies and contradictions. Every time that I've checked my updated reports over the months, information is always different rather than correct. Ive read, reviewed, and Im exercising my rights as a consumer, while these companies know the law and are required to follow the law, but refuse to abide by them.
Product: Debt collection

The company name is XXXX XXXX and Westlake auto. These are two different finance companies that have been threatening to sue me and seize all of my assets. They both have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts WITHOUT my written instructions! 
Delete these accounts, they are in violation of my consumer rights. Yes, I've reached out to both companies/agencies and the bureaus numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an identity theft problem with 2 accounts on credit report from Navient. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by XXXX. Other 2 agencies took off report but not XXXX. Now they want new police reports, etc. I am hearing impaired and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now Navient is suing and they haven't provided documents either to me. I have a lawyer. I need help.
Product: Checking or savings account

Please help. This problem has been going on for months with Chime checking account and credit builder account. My tax return was received then almost immediately entire amount taken ( XXXX ) in XX/XX/2022. My identity was changed multiple times and locked out many times so that I could'nt even see what was going on. I have tried to resolve with both chime and the unauthorized merchants. none were helpful. chime did an investigation on their own and stated it was not considered fraud but offered no explanation. even after my account was closed i recieved text asking if i had changed my phone number or charged x amount of dollars on the account. account is currently closed and money has not been returned to me. I have saved all my emails and facts/screenshots amounts and dates hoping to resolve this. It is a lot of money that I really needed.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS requests 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 ITEMS. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I submitted a request for payment count back in XXXX and again a few months ago for XXXX. They have still not processed either although the site says a few weeks. I submitted a complaint and they just said to wait basically. I am going to be hitting the XXXX mark in a few months ( may ) where I can complete the buyback process but with this entirely slow process Im going to end up stuck with these loans for years. This is ridiculous for those of us who have kept our end of the bargain and worked in public service while allowing our student loans to balloon with the promise they will be forgiven.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$31000.00}
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit. This is fraudulent and I want them deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiries on my report that do not belong to me
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Closed Account with Late Payments FCRA Compliance To Whom It May Concern, I am writing to dispute inaccurate and harmful information appearing on my credit report regarding my account. This account has been closed and fully paid, yet it continues to reflect late payments, which are negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the right to request verification of the accuracy, completeness, and timeliness of any information reported in my credit history. According to 15 U.S.C. 1681i ( a ) ( XXXX ), if the information can not be verified with absolute accuracy, it must be deleted or corrected immediately. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Status : Closed and paid Inaccurate Information Reported : Late payments that do not reflect the current status of the account
Product: Credit card

Was misled into enrolling in this card, Care credit for XXXX in XX/XX/XXXX. I was not told about the promotional APR rate and end date. The initial APR was 26.99, then increased to 32.99 when the promotional period ended XX/XX/XXXX. I was overcharged in interest. The original loan amount was XXXX. I was charged XXXX interest based on 32.99 APR ; however, that current amount is more than supposed. The company Care credit constantly lowers the monthly amount even when I have a fixed auto payment in a way to get me to owe more. Due to the astronomical interest, my projected date to finish off this card is 18 years, which is ridiculous.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX SC XXXX Date : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Accounts and Inquiries Victim of Data Breach Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Equifax Customer Service Team , I am writing to formally request the deletion of specific accounts, inquiries, and personal information from my credit report, as I am a victim of a data breach. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am entitled to have information related to fraudulent accounts removed from my report to protect my privacy and credit integrity. 
Please delete the following accounts from my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosed, please find any necessary identification and documentation to confirm my identity. Thank you for your attention to this matter, and please contact me if you require any further information to complete this request. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

TOYOTA MOTOR CREDIT CORPORATION from herein ( TMCC ) has discharged/ forgiven/ paid in full as agreed the debt as evidenced by my IRS 1099A copy XXXX TMCC has provided false information to the CRA 's by violating numerous United States Codes and Codes of Federal Regulations, one being but not limited to : 15 U.S.C. 1611 ( 1 ) ( 3 ) because TMCC was obviously fully aware of the discharged/ forgiven debt. TMCC claims to have informed me that TMCC would report any adverse actions to cra 's, I've rescinded and forbad TMCC to report my private information to any person absent my consent. TMCC has consistently dealt with me with unclean hands and bad faith. I pray this proof will finally fix this pressing matter and restore my good name. I want all the reporting agencies to receive copies of this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/22 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : 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 XXXXXXXX XXXX $ XXXX
Product: Credit reporting or other personal consumer reports

I have found several inquiries, that I do not recognize on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT A DUPLICATE and it is authorized by Name : XXXX XXXX XXXX XXXX # XXXX Phone # XXXX I filed this complaint and it was recieved by EXPERIAN on XX/XX/22 and it is now XX/XX/22 which means your investigation took longer than 30 days. THIS IS GROUNDS FOR REMOVAL!!! 

Complaint # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. StatesI 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : XXXXXXXX XXXX Bank of America, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : XXXX XXXX : Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

Bank of America : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

XXXX XXXX XXXXXXXX XXXX : Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!
Product: Money transfer, virtual currency, or money service

Re : Cash App case number associated with this claim decision is XXXX. 


On XX/XX/2023 my cash app was had five unauthorized transactions listed at follows : XXXX. XXXX XXXX ( XXXX XX/XX/XXXX ) {$210.00} XXXX. Add Cash ( failed ) {$100.00} ( listing lightened the amount indicpuration did not go through ) XXXX. XXXX XXXX ( on XX/XX/XXXX ) {$200.00} XXXX. XXXX ( XXXX XXXX ) {$240.00} XXXX. Add Cash ( XXXX XXXX XXXX ) {$200.00}... 
I am not sure what account was debited for transaction 1.

No action was taken on transaction 2.

My checking account was debited for transactions 3, 4, and 5. The total lost from the checking account due to this fraudulent activity was {$650.00} I reported this to Cash App customer service representative XXXX XXXX on XX/XX/2023, at XXXX XXXX. He advised that transaction XXXX was charged to a debit card that had been added and removed from my account and did not go through. He also informed me that my checking account and debit card had been removed allegedly by the fraudster. 

Cash App responded by email on XX/XX/2023 : " We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( XXXX ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account 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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

These accounts are inaccurate and reporting wrong. Us code 1681 ( b ) and us code 1681 ( I ). Wrong incorrect information on my credit file is wrong and I would like for these account to be deleted and removed immediately. XXXX 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: Checking or savings account

XX/XX/2023, I saw information on my Chase app that they locked my account due to suspicion. I then called Chase several times, and they said that they could not tell me the specific reason, and they forcibly closed my account and made me wait for review. But as of today, XX/XX/XXXX, I still haven't received my money. The customer service had nothing but gibberish, and they couldn't tell me why and keep me waiting
Product: Debt collection

Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX This company is not authorized to collect debt in Louisiana. I asked the company to verify the debt and they sent a hospital bill. I 'm requesting validation that the debt belongs to me and also proof of license in the state of Louisiana.
Product: Debt collection

I called talked to XXXX to get it off my credit report i never signed any documents to sell my information to this agency. They were very rude and did not want to help me
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 : # XXXXXXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.