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

i informed XXXX XXXX that they have no legal right to attempt to collect in new york state they are not licensed to conduct business in my state
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company, Avio Credit, to submit to the credit bureau that the hard inquiry was a result of identity theft. They said they submitted to XXXX  and for me to give it 45 days. I did and it still wasn't removed so I contacted Avio Credit AGAIN and they said they will submit a 2nd time and for me to give it 45 days. That was 2 months ago and nothing has changed. 

My identity was stolen and 1 of the companies that this occurred with was Avio Credit , Inc . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of Avio Credit prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible. My correct address is XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you keep lying about my case? The credit bureaus say that I am not the one who is trying to repair my credit, what evidence do the credit bureaus have to say or allege this? They are playing with my financial life, MY CREDIT this is very unfair. I again demand that an investigation be opened immediately of ALL the accounts that I have been disputing in the last 10 months. And stop telling lies, the only one who has been trying to fix my credit IS ME AND NOBODY ELSE. 

And you CONSUMER FINANCIAL PROTECTION BUREAUS are not giving a true follow-up to what the credit bureaus do, I am truly disappointed in you, I came here with you to take refuge and you end up doing me more harm. 

I am attaching my identification, so that they do not say that it is not me.
Product: Consumer Loan

I contacted Loanme about a consolidated loan for $ XXXX {$20000.00}. They qualified me, gave me a verbal commitment, quoted fees, and sent me information by email. When they asked me for personal account information I questioned them on the information they asked for. They would only talk over the phone so I would not have a record of the conversation. I provided them information when they told me they would do the loan. After I did they asked for more personal information. When I asked for a loan commitment they did not give me one. when they offered me a few thousand dollars, I told them I get that on a credit card and not pay their kind of fees. When I told them they were violating my credit rights they quit contacting me and gave me no closure. They took a lot of personal account information for the amount they loan. banks and credit card companies do n't ask for the information they requested. I believe they violated my credit rights.
Product: Credit reporting or other personal consumer reports

These accounts have affected my credit status, and it is giving such a negative impact on me, hence, I did not deal any business with these companies. Attached to this complaint is an ftc report to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax concerning the inquiries on my credit report that I did not authorize, They have refused to delete the items that I told them that I did not authorize. They sent an e-mail stating that the inquiries would remain on my credit until XXXX and XXXX, They have refused to remove these items. I did not authorize these items on my credit report. I am a victim of identity theft. it seems that they are more concerned about the creditor than they are the consumer. Their investigation led to no result. They have been notified and they have refused to delete these items that I have stated as a fraud on my Equifax report. This is why I had the fraud/freeze alert on all three credit bureaus. They allowed these companies to check my credit without my permission. This is identity theft. Equifax allowed these companies to check my credit with the freeze/block on my credit report. When there is a freeze/block on a credit file then the company has to contact the consumer bit no one contacted me about any of this,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I called this company no response.
Product: Credit card

I have been for long, a customer of US Bank with all kinds of accounts with them, like Home Loan, Credit Card, Checking, Saving Accounts. I am a very good borrower, my credit score is a testimony to the same, stands XXXX Bank has recently charged me a membership fee in XXXX 2016 that was due XXXX XXXX, 2016. No note with regards to the fee or the due date or past due status, was sent to me or my address. But they promptly reported it to the credit bureaus and it dinged my excellent credit score XXXX very badly and left me in despair. There was no intimation with regards to the same, to my home address or even a courtesy call. I have requested for canceling the paperless statements in the past and it never got reflected in my accounts. I will therefore request US Bank to remove any reports to the credit bureaus, of delinquency on my credit card account and help its loyal customers build their credit.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus to dispute a few items. They are refusing my right to file a dispute for XXXX accounts because I have disputed them prior. I have sent them in so many documents since 2023 showing that I have been a victim of identity theft. And they still have not throughly investigated the accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered I was a victim of identity theft after noticing unauthorized accounts and transactions on my credit report. I promptly filed a police report and an FTC Identity Theft Report. I sent certified mail to XXXX, Experian, and XXXX, including my ID, police report, FTC report, proof of address, and a dispute letter outlining the fraudulent activity. Despite these actions, I havent received any response from the credit bureaus, and the inaccurate information remains on my credit file. This situation has caused me significant distress as it affects my financial well-being, and I urgently need the fraudulent entries removed and my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block this account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federal consumer, I have a right to privacy and my rights have been violated. I am writing you to notify you that there is inaccurate and unauthorized reporting of all named accounts on my credit report by Equifax, as well as the furnisher of information to credit agencies, in violation of the Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq., 15 USC 6802, and the Private Act of 1974 ( 5 U.S. Code 552a ) .________________ Account/ # - XXXX XXXX ( Report Credit Utilization/Transaction as Paid as agreed and 0 % utilization ) 15 USC 1681a ( 2 ) ( A ) ( I ) ___________ Account/ # - XXXX XXXX ( Update Adverse Late Payments to Paid as Agreed ) 15 USC 1666B______________ Account/ # - XXXX ( Delete/Remove off report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _____________ Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ___________ Account/ # - XXXX XXXX XXXX  XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX XXXXXXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ______________ 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. As a federally protected consumer, I am NOW OPTING OUT of any, and all authorization I may have given you, whether it be written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 on the named accounts listed. 

I request that you cease all reporting on named accounts on my behalf immediately. I also request that you investigate and correct any inaccuracies in my credit report, as required by law. Such as different names and addresses other than the one listed on this correspondence pursuant to 15 USC 1681b. 


XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, TX XXXX
Product: Vehicle loan or lease

XXXX XXXX sold my XXXX XXXX on XXXX XXXX. I had until XXXX XXXX to pay XXXX. On XXXX XXXX I called XXXX to pay the fee and get my car back. I was then told that my car had been sold on the XXXX of XXXX. 

Prior to this my XXXX was seized at the border for reason of not my fault. I was not charged with any criminal charges. Now I was in contact with XXXX in the whole process of receiving my car back. XXXX paid the XXXX to retrieve my car from XXXX XXXX in XXXX XXXX CA. The car was not reposted for none payment, XXXX I never missed a payment. I received the letter from XXXX about the fees and I request the XXXX extra days to retrieve my car. That made it that the car could not be sold before XX/XX/XXXX. XXXX is still trying to charge me for the loan. I lost my car, all the money I paid towards it, as well as upgrades I had done to the vehicle. This was unlawful and unfair. Please help me
Product: Debt collection

This company is trying to collect on a medical bill that was a result of a workplace injury. Our corporate office made called the debt collectors, paid the debt, and advised them that it was illegal to collect on workplace injury claims. However, this company has continued to report the debt to the credit bureaus even though they say they have no record of me ever having anything placed in collections with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent ATG Credit LLC a letter because I received a notification from the 3 bureau 's stating that this debt collector added to my credit profile as a collections account. My letter included me asking the company to verify and validate that I owe this debt. I do not owe this debt. I do not have a contract for this debt yet, it was sold to this company. I also called ATG Multiple times to verify that they received my letter which they did because I sent it priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Someone from their office received my letter and processed it in their system according to the representative that I spoke to. The Rep also explained that the manager would call me back with more information, it never happened. I called multiple times, the company transfers me and gives me the run around. Today is XX/XX/2021, I have yet to receive a response from ATG by mail, phone, etc. By law, debt collectors have 30 days to investigate a dispute, it has been well over the 30 days for this dispute. I would like this removed from my credit report immediately. This company is committing fraud and has several complaints with the XXXX.
Product: Debt or credit management

Clear One Advantage at XXXX took advantage of a XXXX XXXX XXXXXXXX XXXX XXXX. They said my monthly payment for my debt would not go over XXXX. Now it's over XXXX and they refuse to settle anymore unless I agree to higher payments. They have ruined my credit and I was in the high XXXX 's now I am in the low XXXX 's. I can't get a HELOC on two paid property because of their dishonest ways. I want them fined and my debts paid for their dishonest ways. No telling how many other Tennessee people they are ripping off. By the way. They stuck me with {$5300.00} worth of fees to do this deal. That is stealing from XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On novemebr XXXX I purchased an item to be shipped by XXXX for {$470.00} using my chase credit card. I just found out the company went out of business today on XXXX XXXX and chase will not assist me with getting money back. Credit card companies have no liability in this country it appears
Product: Checking or savings account

I created a checking and savings account with Chase last week. They closed my account for no reason when my check was deposited. I was told I no longer have access to all my funds until XX/XX/year>. They did not want to state why they closed my account. I can not withdrawal or overall touch my life savings and checking until that date.
Product: Credit reporting

On XXXX/XXXX/15, my credit report was pulled by a company called " CIS INC '', this firm pulled my report both from XXXX and XXXX. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.
Product: Debt collection

XXXX XXXX  Dear XXXX, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

XXXX. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 
XXXX. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
XXXX. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt. 
XXXX. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws. 

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

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

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this Data Breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XXXX XXXX XXXX i disputed a zelle payment that was a scam but the bank never looked into my claim. i wanted to pay an inspector for my housing inspection and he turned out to be a fraud but was using his zelle info from his actual bank so i assumed it was legitimate because i had all his info. i payed him {$500.00} for the inspection but he never gave me a report that i could submit to my insurance and mortgage company. he just walked through my house and took notes. i contacted chase about this and they never responded back or looked into this scam. ive talked to other people that left reviews for this person and it seems like he does this zelle scam often and the bank does nothing about it.
Product: Credit reporting

I moved out of this property XXXX 2014. I went to court in XXXX 2014 to dispute charges of {$500.00}. The judge dismissed the managements charges. After recent review of my credit report, XXXX XXXX has placed {$9000.00} charges to my credit report. After several attempts to contact them, the have recently told me the charges are now dropped to {$6000.00}. I wish to have this removed from my credit report until it is legally disputed in the local district court.
Product: Checking or savings account

Cash app is short changing my bank account. According to my refund receipts, I have not be given the full refund amount from an FICD insured bank. The screenshots provided below does not reflect to the amount that was described on my bank account statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, Equifax, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct name or date of birth is not reporting on my credit report. Different addresses are reporting on my credit report. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH OF VA 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

I am filing this complaint because XXXX, Transunion, XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit card or prepaid card

To Whom It May Concern : In XXXX of XXXX  I booked a hotel in XXXX, XXXX  from XXXX through XXXX on XXXX using Barclays Credit Card. The card was charged for {$1100.00} on XXXX. 

On XXXX I was informed by XXXX XXXX that flights to/from XXXX   are being canceled and received a full refund. The same day, I contacted XXXX and explained that I could not travel due to Coronavirus travel restrictions, but was refused a refund because the booking was non-refundable. The same day I filed a dispute with Barclays MasterCard. I received a letter dated XXXX stating that refund denied for the same reason. After that I called several times Barclays MasterCard customer service number and requested to speak to a manger. Every time I was told that the manager is not available and my call will be returned within one day. Nobody called me back. 

If this matter is not resolved promptly, I will be forced to file a complaint with Florida AG Consumer Protection Division and XXXX   XXXX  XXXX, as well as post reviews about this transaction on multiple sites. 

Please assist me in receiving the refund in the amount of {$1100.00}. 


Thank you in advance for your cooperation,
Product: Debt collection

I have successfully disputed and resolved similar issues with other credit reporting agencies, and they have promptly updated their records. However, I am puzzled as to why your bureau has not complied with the law and corrected this error. 
The inaccurate reporting pertains to XXXX XXXX, and I believe it is a result of an error rather than my failure to make a timely payment. I reported this discrepancy to your bureau on XX/XX/XXXX, XXXX, and I have submitted all required documentation to support my claim. 
It is perplexing to me that while other credit reporting agencies were able to accurately report my credit history and remove the late account, your bureau has not taken similar corrective action. 
I request that you promptly investigate this matter and take the necessary steps to correct the inaccurate reporting of the late account on my credit report.