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

Upon Reviewing XXXX XXXX I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " XXXX '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. I appreciate your prompt attention to this crucial matter.
Product: Credit card or prepaid card

Fifth THIRD Bank is soliciting customers to use balance transfers with a XXXX percent interest rate, Along with the balance transfer is payment of a transfer fee which represents prepaid interest, Fifth Third is then charging cardholders interest on top of the balance transfer fee without conspicuous disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No:XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX : Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT STUDENT LOANS AND OTHER ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : CXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my Equifax credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance, XXXX XXXX
Product: Debt collection

I have been receiving calls from XXXX XXXX XXXX XXXX which belongs to National Enterprise Systems. A gentleman with the first name XXXX ( sp? ) and a female with the last name XXXX ( sp? ) were the last two I spoke to in reference to receiving calls for someone else. XXXX told misrepresented his business when confronted with my question " You are a debt collection agency, right? ", his response " we deal with business copyrights and legalities associated with those copyrights. '' This company is clearly a debt collector as their website suggests : XXXX and they operate out of XXXX XXXX XXXX XXXX XXXX Ohio XXXX ( XXXX ) The calls have been very aggressive impeding my sleep ( calls at XXXX in the morning to XXXX - XXXX to my phone while at work interrupting my work flow. My employers are questioning my integrity and it severely takes from my over all productivity. 

When threatening to take legal action against the harassment, it did n't even seem to phase them. Poor business and ethical practices. I feel for those that have to deal with them because of debt ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 


XXXX XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I know I pay on time every month, but I cant figure out why Im being reported late. As per USC 1666b, any mistake should be corrected and the account should reflect " paid as agreed. ''
Product: Credit card or prepaid card

I filed a credit card dispute with my credit card In XXXX, which I thought was resolved. My credit card reversed the charge of {$220.00} back to my account on XXXX disagree with their decision. I filed a dispute in XXXX for services not rendered with the merchant XXXX XXXX  ..Upon arrival at the resort on XX/XX/2023 at XXXX XXXX.the check-in building was nasty and disgusting so We asked to check-in for the XXXX XXXX .The front desk girl, said this is the check-in for the XXXX which was a glasstower resort nextdoor. but she said we sold that building years ago and you're staying here... I said, we booked for the glass towers... which come to find out was false advertising and ... she said this is a timeshare building, so I asked to see a unit, and she pretended to look through a list and said nothing was available and I could see it when we check in at XXXX..we left and I cancelled the reservation..first of all a timeshare unit is always available for showing..We rode around over 2 hours to find another resort, which was aggravating. On the following week I filed a complaint with my credit card company..NC State Employees Credit Union ... they reversed the charge finally, but now after the merchant responded with a lie and said I never showed up they reversed the charge on XXXX XXXX... Which I disagree with my credit card company stated I would have to present proof of me cancelling the reservation, which they had that in writing from the merchant. Now my credit card company is saying it's hard to win a Quality dispute... this is ridiculous ..We didn't stay in that disgusting building and I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. God bless you.I never applied for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX  inquiries not mines XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX 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, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT OFF XXXX, XXXX, TRANSUNION
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this is my follow up complaint..Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I did not authorize these accounts.
Product: Credit reporting or other personal consumer reports

This account has a first late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXX XXXX # XXXX ( CLOSED )
Product: Credit reporting

Every month XXXX XXXX XXXX XXXX XXXX has been doing hard inquires on my credit. I never had any doings with this company or ever gave them permission to check me every month. Please help, have them REMOVE ALL their inquires from all XXXX of my reports or i will sue for XXXX for each. i also signed up to optout this XXXX. XXXX, XXXX XXXX, XXXX Ut XXXX ... XXXX
Product: Consumer Loan

GMAC ALLY BANK HAS FRAUDULENT RUN A APPLICATION FOR A VECHILE LOAN UNDER MY NAME AND SOCIAL, CAUSING A MIXED FILE UNDER THE NAME OF XXXX XXXX XXXX. I NEVER APPLIED FOR SUCH FINANCING AND WANT THIS REMOVED ASAP.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX [ Date ] Early Warning Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccuracies on Credit Report Dear Early Warning Services, I am writing to formally dispute certain inaccuracies in my Early Warning Services report. My full name is XXXX XXXX, and my Social Security Number is XXXX. I have identified several errors that I believe require correction. 

The specific inaccuracies are as follows : 1. **Account with XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX ) ** - **Status** : Reported as Closed-Purged. 
- **Correction Needed** : [ Explain the correct status or detail here ]. 

I have enclosed copies of relevant documents that support my dispute, including [ list any attached documents such as bank statements, correspondence, etc. ]. 

According to the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide me with the results of your investigation. I would also like to receive a copy of my updated report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe. 

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

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Product: Debt collection

They contacted me and identified the debt amounting to {$200.00} and I never received information to verify and validate the debt.
Product: Credit reporting or other personal consumer reports

Equifax has failed to provide adequate proof of verification, used stall tactics, and exceeded the time frame allotted by law. Your refusal to remove these unverifiable accounts is a clear violation of the Fair Credit Reporting Act ( FCRA ) and I will hold Equifax legally accountable for its noncompliance. 

I demand immediate deletion of the following account, which you have failed to verify with the original creditors : Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( Unverified, Must Be Deleted ) Balance : {$1300.00} Status Updated : XX/XX/XXXX Reported Collection Activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incrrect informations and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, 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.
Product: Credit reporting 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. 
Account Name XXXXXXXX XXXX XXXX XXXXXXXX : Account # XXXX, Account name XXXX XXXX XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX 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 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

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 THIRD time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -CAPITAL ONE # XXXX -CAPITAL ONE AUTO FINANCE XXXX XXXX -XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX placed an account on my credit as a debt collection. I never opened a persona account with XXXX. My apartment building was offering Free internet for a year and I signed up but never filled out any documentation or signed anything for a contract. This started XX/XX/2023. I then get a bill for {$100.00}. I told XXXX I did not want the internet because it is supposed to be free. Minnesota was giving internet free to low income families and thats what XXXX said they were doing however when I got a bill I said no and sent it back because everything was supposed to be free based on my income. XXXX and XXXX both have removed that account because XXXX did not provide verifiable information. As stated I did not sign anything just gave them my phone number, email address, and home address. 
However Experian will not remove the account and will not provide the proof that was given to them to me as I do have a right to know what documents they are giving to validate the information. The XXXX XXXX account is not mines as I did not sign any documents agreeing to an actual account
Product: Vehicle loan or lease

My XXXX  XXXX XXXX was repossessed, I lost my job during the pandemic I couldn't make the payments they came and took the vehicle while I was sleeping. I am now in the collection for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  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 without my written instructions.
Product: Credit card or prepaid card

I have a Citi Costco Credit card. On XX/XX/XXXX, I received an email saying XXXX, your Costco Anywhere Visa Card makes it easy and convenient to manage your recurring expenses. 

Plus, you'll earn more cash back rewards when you use your card to pay for expenses like utilities, memberships and/or streaming services. 

This note makes it sound like recurring charges earn more than the base 1 % cash-back. I contacted citi via their online chat service and communicated with XXXX on XXXX XXXX. According to XXXX, these cards to not offer more than 1 % on recurring charges like utilities and subscriptions, which is indicated in the email. 

Citi should send a correction or retraction of the email so people do not use credit cards for utilities or rent payments, because vendors frequently charge fees for the use of credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding complaint XXXX. Pursuant to 15 USC 1681i, Transunion has 30 days to complete an investigation however, it's reinvestigation was not completed pursuant to federal procedure therefore, it is incomplete. Pursuant to disclosure attached on the correspondence Transunion mailed me on XX/XX/22 and 15 USC 1681i, I am again requesting a description of the reinvestigation procedure. My Transunion file number is XXXX. I have previously disputed alleged accounts for XXXX and Department of Education however, Transunion never completed the investigations. In Transunion previous responses to the CFPB, it said that XXXX needed more information from me which is false. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, XXXX nor the Department of Education can not verify that any information on my consumer report is factual information. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank changed my account to inactive status. Then I called the helpline and they gave me instructions on how to re-activate my account, which I then sent the letter on XX/XX/year> ( per their instructions ). I have not heard back and according to the helpline today ( XX/XX/year> ) they have not received the letter. They will not activate my account without the letter, which they claim they did not receive. When I call, they put me on hold for extended periods without returning and drop my call once I get connected to the supervisor. I simply want my account re-activated so I can close my account.
Product: Debt collection

Under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), I am disputing this alleged debt in its entirety. I demand the following documentation : 1. A copy of the original signed agreement proving that I entered into a contract for this alleged debt. 

2. All account statements from the original creditor demonstrating a full history of charges, fees, and payments. 

3. A copy of the complete purchase agreement between your firm and the original creditor, proving legal ownership and right to collect. 

4. A full breakdown of all fees and charges added to this account after the original debt was created. 

5. An affidavit from the original creditor, sworn under penalty of perjury, confirming the debt is valid. 

6. Proof that this debt was properly reported and that all information in your records matches the original creditor 's records. 

7. Proof that the debt is within the legal statute of limitations in my state for collections and credit reporting. 

Until these requests are met, I demand that you remove this account from my credit report. Under 15 U.S.C. 1681s-2, you are legally responsible for ensuring accurate reporting. 

Additionally, I invoke my rights under 15 U.S.C. 1692c ( c ) and request that you cease all further contact with me, except to provide the requested validation. 

Should you fail to comply with this request, I will not hesitate to take legal action