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

On XX/XX/2022 a hard credit inquiry was noted on my XXXX and Experian credit reports from XXXX XXXX. I immediately contacted XXXX XXXX XXXX XXXX and spoke with representatives in the Customer Service, Credit Card, and XXXX XXXX departments. Each had no indication that an application for credit had been filed under my social security number, and no account had been opened. 

Representatives at XXXX XXXX XXXX XXXX  than transferred me to customer service at Experian who instructed that I needed to file a complaint with the CFPB as well as them conducting their own investigation. 

My wife and I are in the process of purchasing a home, so we've been carefully monitoring our credit reports for activity.
Product: Credit reporting

I want to start building credit and tried checking my info on credit karma, ive put my name down with every address i lived on and it tells me the info i put is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account.
Product: Mortgage

Nationstar LN XXXX XXXX XXXX CA XXXX This is a HAFA short started XXXX/XXXX/16 with Nationstar. Nationstar set it up in their auction system and the auction was completed on XXXX/XXXX/16. On XXXX we were finally told that the current offer we have in place ( that was submitted at the beginning of XXXX ) had 'won ' the auction. We got the required addendum and HUD in to the negotiator the NEXT DAY - XXXX/XXXX/16. It is 2 weeks later and we have been waiting on an approval letter since then. On XXXX/XXXX/16 the negotiator said they had to fix some internal valuation document. Now, today, he is refusing to work on the file or even review it to see if they have finally have everything they need to issue the approval letter that should have been started on XXXX/XXXX/16. 

Nationstar at this point is outside of Treasury HAFA guidelines by more than 60 days. Today we get a snarky email from the negotiator stating basically he has other work to do and he will get to it when he gets to it and we can shut up. 

This is unacceptable. Treasury Guidelines state there must be a decision within 30 days. Nationstar continues to make up excuses to further defraud their investor - likely they are mad they are n't getting the 5 % Buyers Premium from their fake and fraudulent " auction '' program thru XXXX - which they have recently changed names to XXXX.
Product: Credit card

Somebody used my Capital One credit card and charged over {$3000.00} international, Capital One they, blocked the card, I called and let them know that was not my charges. Capital One ask for my id 's DL, copy of a bill and SSN. I gave them all these to investigate and in the meantime as they were investigating they re-open my card to a caller how called Capital One as me, giving them all my personal info. Name, Address, SSN. Instead Capital One to investigate this person released the card back to this person who was not me. This is not acceptable.
Product: Payday loan, title loan, personal loan, or advance loan

I made an XXXX purchase months ago ( XX/XX/XXXX ) and chose Klarna for repayment with payment to be automatically deducted. The autopayment worked well for a few months until my debit card number was stolen and I tried to update the number with Klarna 's system. I made numerous attempts to update the info or pay it in full but was unable to do so because they were having a system-wide issue with certain email addresses, mine included. When I called they stated that they were aware of the problem and would contact me once the issue was sorted and I could then either update the debit card on file or make a payment in full. I never received any correspondence from them but made many attempts and spent hours to check in and handle the issue. Each time I was told the same thing, that they would contact me once I would be able to login again. I was repeatedly assured that I would not incur a late fee or sent to collections. More time went by and then I started receiving emails and calls from XXXX XXXX a collection agency that Klarna sent me to. I addressed this again with Klarna and they stated that a supervisor would reach out to me. None of this ever happened. I was finally able to update my email and log in on XX/XX/XXXX but they would not accept my direct payment. It's insane that they can function this way with little to no customer service options and then able to damage my credit by their ineptitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing incorrect accounts that are affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't been working for a couple of years due to XXXX XXXXXXXX, and since I am recovering. Thinking about returning to work by XXXX ; hopefully, all goes well. I decided to check my credit report in order to know my credit scores before applying to a company based on a human resource expert 's advice. After reviewing my reports, I realized these inquiries that I didn't authorize on my credit reports. I called two of the bureaus, but couldn't get through because it takes longer than I expected. I decided to immediately file a fraud report because it was fraudulent. It wasn't authorized by me and I have no clue why. 
These are the inquiries : XXXX XXXX XXXX XXXX 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

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX {$0.00} not mine XXXX {$130.00} not mine XXXX XXXX XXXX XXXX {$12000.00} not mine
Product: Credit card

I paid for my fees on XX/XX/XXXX to make it by XX/XX/2023, when I assumed all my fees were all paid up. I was hit with additional fees which made it impossible to pay. I'm on a fixed income and I was just diagnosed with XXXX. 

I would like to get the current fees waived since they do not provide an alternative option to pay the fees via online card payment. I also would like to request to close my credit card account with First Progress. I requested to close my account when i spoke to a representative and they told me no i can't close my account regardless if my balance being XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX  XXXX FL, XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX XXXX, TX XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 

XXXX XXXX XXXX XXXX XXXX, FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ) XXXX XXXX XXXX XXXX XXXX FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 

XXXX XXXX XXXX XXXX XXXX XXXX. FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 

XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 

XXXX XXXX XXXX XXXX XXXX FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 

XXXX XXXX XXXX XXXX XXXX. FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 

XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX FRCA VIOLATIONS/NON METRO 2 COMPLIANT - ( I never lived in this address, this is inaccurate. Please delete ). 


Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to. Thank you.
Product: Credit card or prepaid card

I have been a victim of identity theft for years. My wallet was stolen from the airport back in XXXX. As a result accounts were fraudulently opened in my name. I have made several attempts to both the credit bureaus and company. 

XXXX XXXX $ XXXX Discover {$6500.00} XXXX XXXX. Amount unknown. 

Also back in XXXX I had a roommate for college with XXXX XXXX. The company keeps selling the account and putting it back on my credit report as it has already reached the statue of limitations. I should not be responsible for this. 
Account : XXXX  Please help me to get these items removed from my credit report.
Product: Checking or savings account

I opened a credit card account with Citibank on XX/XX/year> and saw that they had a savings account with good rates, so I signed up for the savings account as well. I created my account and a security word and received access to the credit card account. I then transferred {$5100.00} from XXXX XXXX XXXX XXXX account into the new Citibank savings account, which took place in a matter of minutes. The following day, I received notice that I needed to call Citibank because there was an issue with the card. 

When I called Citibank, I was asked multiple questions to verify my account. I didn't have an ATM card yet ( since I just opened the savings account ) so I couldn't provide the ATM PIN number they requested. They asked for my security word, which I gave, and they said it was incorrect. They asked to verify my account by using my phone number, which I gave, and they said that they could not verify that phone number, even though it's the one on the account. I was transferred a couple of times to a supervisor, who asked for another phone number or multiple credit cards to verify my account. They later said they could not verify it and to call back when I received the card. 

After this experience, I decided to close the savings account I opened with them because I did not like their customer service. I called back and went through the same hassle, was sent to a few different people who repeated the same instructions. I finally was transferred to a supervisor, who was able to verify my account by sending me a text to the same phone number I provided the day before, only to tell me that they couldn't close my account until the deposit cleared. They told me to call back. 

On XX/XX/year>, I saw that the deposit had cleared, so I tried to transfer my {$5100.00} back to my original credit union account, which was already linked to the Citibank account. I received an error message saying that my account was blocked and to call Citibank. When I called, I went through the same hassle, and asked for a supervisor who could send a text to my phone to verify my account. I was told that they could not do that. I informed them that I was able to do this the previous day, and they finally connected me to a supervisor, who told me that they could not verify my phone number and asked for a different phone number. I asked why my account was blocked and they told me that my account was flagged for fraud and they needed to send me a letter from the fraud department with a case file number. I was instructed to call back when I received the letter and they would be able to unlock my savings account.
Product: Debt collection

I have disputed this debt multiple times with professional Debt, and I have received nothing in the mail at all from them. They have continued to report to my credit despite my many attempts to contact them and dispute the debt. I do not know if they even exist at this point! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of sure deposit ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX  XXXX   XXXX XXXX and sure deposit..which is been serviced by XXXX XXXX XXXX XXXX is on my credit report.. which I have no idea or affiliation with these companies..
Product: Checking or savings account

Name : XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

I have NEVER opened or USED the following account numbers : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the FTC identity theft report to this request. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

i received a gift card from my father in law for {$100.00} issued on netspend visa card. i tried to activate the card online, however the website is always down and wont let you log in. always shows a error that the website is down and to try again later. i tried for over a week and always get the same message. called up and provided the information as requested and was informed that my card has been activated and can be used at any retail location. i have tried to use the credit/gift card on 5 separate occasions and at different locations and the card is always declined. i now have a {$100.00} gift card that can not be used and i feel that my father in law was cheated out of his money. i don't know what else to do and hope the the FTC can get my money back or at a minimum investigate the conduct of this company ( netspend ).
Product: Credit reporting or other personal consumer reports

Please delete all the inaacurate information listed on the Letters i will attach
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information listed on my credit report. I have reviewed my credit report, and I noticed the following errors that need to be corrected immediately : Personal Information : My correct name is XXXX XXXX XXXX. Please remove the alternate name listed as " XXXX XXXX. '' Account Disputes : XXXX  XXXX XXXX Account : This account does not belong to me and is inaccurately associated with my credit profile. I request its immediate removal from my credit report. 
XXXX XXXX Account : This account also does not belong to me. Please investigate and remove this erroneous listing from my credit report. 
I have attached copies of supporting documents, including a government-issued ID and proof of residence, to verify my identity and current address. Please conduct a thorough investigation and provide me with the results of your findings. 

Under the Fair Credit Reporting Act ( FCRA ), I understand you are required to investigate my dispute and respond within 30 days. I would appreciate it if you could provide written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me via mail at the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I keep repeatedly reporting incorrect information to Transunion. I get the same results every single time. Transunion is not doing proper investigations. I was denied credit because my credit reports says I have major issues and I have nothing active as of now because of chapter XXXX and It reports I am 119 days late on current energy bill, I see reportings in XXXX saying a payment was received, no payment in XXXX but a payment was made XXXX and XXXX. I ca n't see where 119 days late comes into play. Transunion is reporting accounts from previous chapter XXXX bankruptcy as if were included in current bankruptcy, this account was a old We Energies account and has been discharged, they are reporting it as opened and XXXX missed payments. This account was discharged and closed plus XXXX payments were not missed. I ca n't access my credit report online with them because it states I have a dispute under investigation. I see accounts labeled closed-derogatory on many accounts listed. Transunion owes me XXXX credit reports in 6 months from the lawsuit they incurred and I ca n't seem to get one at all from them. I have been denied credit from insurance and other places because of these remarks yet they make it hard to get anything corrected. I have attached a picture of Transunion stating as of XXXX/XXXX/2016 I have no collection accounts but they have on my credit I am 119 days late for accounts.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX and this is not a third party filing this complaint. Attached I have compiled several documents for your review showing how the following credit reporting agencies are violating my consumer protection rights. Please see attached documents and update the following accounts. 
Violators ; XXXX, TransUnion XXXX XXXX.
Product: Debt collection

Credit Collection Services, has a debt on my account since XX/XX/year>. Ive asked several times for the original documentation for this debt showing that it is valid and have not received anything. I am requesting that this be removed off my credit before I take legal action. This company is fraudulently placing this debt on my credit and it is affecting my score significantly. Their phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX  XXXX Bankruptcy Date Filed : XX/XX/2017 Reference # : XXXX
Product: Credit card

i have hired the services of XXXX to help me with the credit car situation. 
the creditors call me non stopmthe worst ones citibank and XXXX. 
i even got reprimanded twice at my job of 27 years cause my cell phone is also mywork phone. 
heres the accountsXXXX XXXXcitibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to delete the following inaccurate, contradictory information in my file. The items I deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affid