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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Checking or savings account

On XX/XX/22 in the morning I checked my checking account. I saw XXXX transactions that I did not approve of. There was a phone number attached to XXXX transaction so I called the number and asked the person why were they taking this money from my account. They said sorry we didn't mean to do it I will back it out. Then the US bank called me and asked if I aproved of these transactions and I said no. When I was speaking with the bank the person put in another transaction and since it was pending the bank was able to stop it. I asked if they would give me my money back on the other XXXX and they said I had to go to my bank to do it. I did several times then I got XXXX letters from the bank stating that " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. 
Why would they call me to ask me if the transaction was ok and I say no and they stopped the XXXX but they didn't give me my money back on the other 3? Claim numbers are XXXX for {$980.00}, XXXX for {$1900.00} and XXXX for {$500.00}. I don't understand why I can't get my money back when I told them when the back call to find out if I aproved these transaction I told them no I didn't
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit reports are showing a LARGE list of accounts which are all student loan related.

The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says 0 When you look at terms they list 0 per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account?
There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports. 

Equifax ( report confirmation XXXX ) XXXX  ( File number XXXX ) XXXX  ( Report number XXXX ) I have highlighted the XXXX  report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion
Product: Payday loan, title loan, or personal loan

Was given documents back in 2016 advising that I owed a loan that was taken out in my name. I called and the advised that I can dispute the debit which I did. I never had a response until the end of XX/XX/XXXX when my check is being garnished. I have reached out to the collectors, and they have REFUSED to send any docs showing that I applied for this loan. I reached out to a lawyer and they refused to send docs to him also. I don't know when the " loan '' was taken out since they will not provide any proof. I do know the loan amount was {$2600.00} and now with interest its {$10000.00}. As of today the have garnished my checks totaling in the amount {$670.00}. I need help to hand this. I don't think its far that a company can start garnishing wages, but wont provide proof. Due to the garnishment I haven't had enough funds to pay my rent and other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 n 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 us 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 n 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries that i don't recognize : 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: Bank account or service

I no put atencin in how much Bank of America was taking from fees to me I think sino right that we working hard and they just take easy money in the packette
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is trying to ruin my life by tanking my credit score. My daughter needed braces to fix her smile so I apply for credit. The payments where {$140.00} a month. I am retired on a fix budget Covid reduce my chances of making extra money. I applied for a program that would reduce my payment to {$63.00} dollars. I am current with this plan and have paid all back money owed. My credit score was XXXX now it's XXXX. Nobody will lend me the money for a new home. I am stuck in the desert with temps over 110 %. The way XXXX XXXX XXXX  manipulated my credit usage and late payments has destroyed my chances of a decent life. I feel they unfairly charged me more than necessary based on my ability to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two debt buyers are reporting debts they bought. I never had credit with this company, and they do not reflect any positive history I had with the original creditors! The history, the good payments, gone, and right to charge off, reflecting that I never paid anything! This is FALSE AND MISLEADING! Its unjust! They placed this on my credit for one reason only, to get me to pay. I have no credit with either of them and want them removed immediately. The credit report was not designed to be used as a weapon, but that's exactly what these debt buyers are using it for.
Product: Debt collection

XXXX XXXX XXXX XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, Phone number XXXX XXXX ) is repeatedly sending me bill, misrepresenting that they are collecting a debt of {$310.00} that I owed to PayPal ( they are giving a reference number XXXX and Account Number XXXX ). I have reviewed my PayPal account and have also called to confirm with PayPal that I don't have any debt previously or currently. I don't have a PayPal credit card and I only use PayPal to make payments using my bank debit. I have no balance that I owe to any creditor through PayPal.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report XX/XX/2024 and found unusual activity on my report. To my finding there were hard inquires. On XXXX XXXX, 2024 I contacted XXXX and spoke to an agent by the name of XXXX who told me that he could not support with removing the falsified inquires. That same day an FTC report was made for fraud, see attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/2020, the due date of my loans, inquiring about forbearance due to the coronavirus pandemic. My account was put on a disaster relief forbearance that same day. I specifically asked my account manager ( employee ID : XXXX ) if they would be reported as late to the credit bureaus. After putting me on hold to speak to his supervisor, he said no they should not be reported as late due to disaster forbearance and if they are erroneously reported late to call and they would be removed. It has been challenging to get anyone from this office on the phone and regular customer service won't help me. 

Governor XXXX XXXX forced the closure of all non-essential businesses in my area, XXXX county in Pennsylvania, as of XX/XX/2020. I am not able to work due to this which is why disaster forbearance was given. I should not have to spend hours on the phone with XXXX XXXX trying to remove late payment reports when they specifically told me they wouldn't be reported. I have been penalized for prioritizing having a place to live over paying student loans during a national emergency/pandemic.
Product: Checking or savings account

Citibank closed my account on Thursday XXXX XXXX  XX/XX/2024. With absolutely no adequate explanation why. 
Citibank security team says I violated their terms and theyll no longer do business with me. And then in total disregard will hang up when I ask for more information I honestly have no idea what happened and Citibank plans to send me a check in 30 - 60 days, In abject disregard and disservice. I need funds including rent money as the closure was abrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/1979 XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 30 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Product: Debt collection

This company is reporting a medical debt on a date that is over two years later than the actual date of service. This will cause the debt to remain on a credit report longer than it should. 

Also, this debt is disputed and I wish to sue the reporter, but the credit agency refuses to give me the medical practitioners contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card services has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX card services to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX card services business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

went to dealer to buy a car they contacted banks to get loans with out telling us and it lower my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on credit report from credit bureaus, however, this information can not be verified because bankruptcy court does not verify with the credit bureaus.
Product: Checking or savings account

Hotels tonight was contacted at check in on XX/XX/2024 and notified that XXXX hotels did not have sanitary and habitual rooms to house guests. The room had bed bugs, mold and XXXX in the mattresses. We were informed they used the hotel as a temporary homeless shelter for the city so they couldnt guarantee a clean room. 
We werent told this prior to booking They informed us that we would not be able to stay and to contact the hotels XXXX in the morning. 

The voided our stay for the paid and promised night. We were forced to find another hotel for XXXX/24-XXXXXXXX/24 at cost. We were required to provide photos to hotelstonight who agreed that the conditions of the rooms were unsanitary and not suitable. 

They offered compensation for {$85.00} on XX/XX/2024 in the form of hotel tonight credit and then increased their offer by {$15.00} to a maximum of {$100.00}. 

This is not compensation to the {$280.00} paid to the merchant for services refused and not rendered in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$520.00} XXXX XXXX   XXXX {$180.00} XXXX  XXXX {$6600.00} XXXX XXXX {$980.00} XXXX  XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan on a XXXX XXXX was paid off to XXXX XXXX on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with Experian, XXXX, and XXXX to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.
Product: Credit reporting or other personal consumer reports

These accounts below are fraudulent and needs to be removed immediately XXXX XXXX XXXX XXXX XXXXXXXX during 2017 Equifax had a data breach and unfortunately I was a part of it and my identity was stolen along with XXXX XXXX other people and due to that is now causing fraudulent accounts reporting on my credit report shown above that dose not belong on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX,XX/XX/XXXXXXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX XX/XX/XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XX/XX/XXXX - XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable onlineXX/XX/XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX ( XXXX ) XXXX Mortgage on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XX/XX/XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX Real Estate on behalf of XXXX XXXX XX/XX/XXXX. This inquiry is scheduled to co XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Closed. {$610.00} written off. 
( XXXX ) XXXX Public Record all FTC violations XXXXXX/XX/XXXXAccount NumberXX/XX/XXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXXXXXX never late FCRA violations XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Experian, XXXX, and XXXX disputing accounts listed on my report not belonging to me. The dispute letter was received on XX/XX/year> by Experian, XXXX, and XXXX. I have not received a response from Experian, XXXX, and XXXX as of today. According to the Fair Credit Reporting Act the credit bureaus have 30 days to investigate and respond to a dispute. We are now over the 30 day time period, the inaccuracies should be removed from my credit report.