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

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( XXXX ) Name : XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX & XXXX  ) Address : XXXX XXXX XXXX ( XXXX XXXX Experian ) Address : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( XXXX, XXXX, Experian ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( XXXX ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( Experian XXXX XXXX  ) Please remove unauthorized inquiries from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 Times ) XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX XXXX ( 3 Times ) XXXX XXXX XXXX XXXX  XXXX  XXXX/XXXX
Product: Credit reporting or other personal consumer reports

This agency is reporting inaccurate and incomplete information on my credit report. I demand they delete it immediately.
Product: Payday loan, title loan, or personal loan

Good morning, I woke up this morning to find my checking account had been charged not once, but twice for {$380.00} from Advance Financial. I am late on payments, due to extremely difficult family circumstances, but to charge me twice? And the payment was more than the original payment agreement. Are they allowed to do this my law?
Product: Credit reporting, credit repair services, or other personal consumer reports

Made inquiry for loan with XXXX of XXXX, AL. Specifically request that I am not shopped around and only request financing from XXXX XXXX. The hungry salesman disregarded my request making multiple outside request, as well as duplicate request with the same company on different dates fraudulently, without my knowledge, verbal authorization or written consent.To add, there are duplicate inquiries within a XXXX hour periods for the same funding agencies. 

Thank you,
Product: Credit card or prepaid card

On XX/XX/2019, I applied for an Amex Sky miles XXXX card and got approved immediately, they pull my XXXX credit report. I decided to look at other credit card offers that I pre qualify for on the website which was the XXXX  and XXXX XXXX  credit card. Altering submitting in the application, I was denied. The same day I contacted the customer service line, to find out what was the reason. A rep stated I had several collections and my ut is very high, I stated to her that incorrect. I waited a week later because I was told I will get noticed in mail however I didn't. 2 days ago I contacted there customer service line and was transfer to the reconsideration department where they will manually review my account and get back to me and will pull my credit again. No one ever got back to me so I decided to call and to hear bad new they will not consider my application even though I was told yes they will and will run my credit again. my credit is over 740 's, I have zero collections, I have less than 2 credit inquires .... with that being said I will decline there reason for denial. Consumer where born with open end credit which means creditors should not deny us credit. 15 US 1691, says we shall not be denied or discriminated when it comes to approval of credit. I feel as if they have no valid reason of denial and this is unlawful.
Product: Debt collection

i got a letter ( bill ) from credit control LLC the account ( XXXX ) was closed in 2020 but iam too XXXX to pay this debt also iam XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  about a Data Breach within their company. My information has been compromised and someone is using that information to try to obtain credit fraudulently. The following inquiries were made and I did not authorize any of these transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are causing undue hardship because they are affecting my ability to gain credit. By law I have a right to privacy and by the credit bureaus reporting these unauthorized activities they are in violation of that law. I had to file bankruptcy due to this matter keep happening, I had to because I was a victim of identity theft. I also feel reporting
Product: Debt collection

In 2015 i purchased a mobile home for XXXX. It needed to be a complete re do. I lived in it for over 1 year. After 1 year the mobile home park couldn't give me my title that i needed for homeowners insurance, wouldn't fix park safety hazards, and i was within my tenant space rights to withhold rent due to illegal septic vents, rats, and illegal misleading of meters. All of this was verified by the state, health department, code enforcement, and emails i have. I came to an agreement to walk away from the home and they wouldn't take on any legal action against me and I wouldn't against them. 
My last day there i was served with court documents. I spent months sending them via email to the attorneys who were in charge of the debt. Filed my response with the court and left my forwarding info with the park. I never received a court date or heard another word. 
Then came the calls, emails, harassment threats to put me in jail. All illegal things. From a law firm. 
I requested, in writing proof of what they say my debt was. I never got a single thing from them. I told them they needed to stop calling me my friends and relatives and put everything in writing. I had to file disputes as they said i owed over 4k dollars. They changed it to XXXX and then every week in increases by 8 to 15 more dollars. It's always changing and it's the only negative on my history. I don't owe this at all. It's not even my debt. 
In the last week 7 calls from them demanding payment and then today one of their attorneys sent me a friend request on XXXX. A social media platform. This is beyond harsssing and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged {$42.00} just now on my account I just noticed that was not authorized I canceled my printer and removed my payment that I had on here so I dont know how it was still taking out of my account but that needs to be refunded back to me that card was deleted as a payment method and wasnt supposed to be charged
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries that are still appearing on my credit report. Despite previous attempts to address this issue, the unauthorized inquiries remain listed, negatively impacting my creditworthiness and financial standing. 

I wish to emphasize that I did not authorize these inquiries nor did I have any prior relationship with the entities listed. This unauthorized activity has significantly affected my credit score and financial well-being, and it is imperative that it is promptly addressed. 

I assert that the continued presence of these unauthorized inquiries on my credit report violates the Fair Credit Reporting Act ( FCRA ), particularly : 1. Section 604 - Permissible Purposes of Consumer Reports : Unauthorized inquiries violate the permissible purposes outlined in the FCRA for accessing consumer reports.

2. Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information : The information provided by your agency regarding the unauthorized inquiries is inaccurate and misleading, as I have provided evidence proving them to be unauthorized. 
3. Section 623 ( a ) ( 2 ) - Duty to Correct and Update Information : Your agency has failed to correct the inaccurate reporting despite my previous disputes and documentation provided, which is a violation of your duty under the FCRA.
Product: Debt collection

I noticed a collection on my account in XX/XX/2019 that shows as opened XX/XX/2019. This collection agency is Helvey and Associates, on behalf of XXXX XXXX. The date shown that the collection was opened shows XX/XX/2019. I do not have an account with XXXX XXXX and have not for 10 years. 

I have contacted Helvey and Associates by mail twice asking for proof of this debt and have not received a response. I have not received one collection notice or contact from XXXX XXXX nor Helvey and Associates. This debt is not mine.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit card or prepaid card

On XX/XX/2019, I opened XXXX XXXX XXXX XXXX ( ending XXXX ). This card had a XXXX XXXX XXXX XXXX Welcome offer. I met the minimum spend required to receive this bonus. The first statement closed on XX/XX/2019, I earned XXXX points. The second statement closed on XX/XX/2019, I earned XXXX. It has been more than 90 days since I opened this account and none of the points earned were transferred to my XXXX Account. American Express is holding my points hostage, they didn't even transfer the spending points ; base points.
Product: Money transfer, virtual currency, or money service

I am complaining about a fraud scheme that PayPal Credit has refused to deal with. A friend had his accounts hacked and the hacker represented himself to me as my friend and requested a PayPal friends and family payment for {$120.00}. I sent this money XX/XX/23 and hours later contacted my friend who told me his account was hacked, and to not send any money as this was a scam. PayPal sent me a confirmation of the payment to the scammer stating that the payment would be processed by XX/XX/23. I immediately notified PayPal of the fraud and requested the payment be stopped. It took hours to process this report, and finally, several days later, PayPal informed me that the case was closed and I had no recourse. There was no explanation of the disposition of the funds or what if anything was done to the hacker/scammer and his/her account. I requested that the case be re-opened as this was a fraud and until it was resolved I would not pay. They did not engage in any attempt to explain procedures and policies for a case like this and made it impossible to speak with a human. Until resolution, I revoked authorization for my bank to pay the charge and PayPal has now assessed a late fee and may have filed a credit agency report. PayPal is making money from credit fees in transactions that they are aware are fraudulent, with no accountability or attempt to protect customers.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated response. I am upset that experian have FAILED to properly verify the information on the account. 

I am writing to formally file a complaint regarding Experians handling of my recent credit dispute involving an account from XXXX XXXX XXXX ( Account Number : XXXX ). Despite disputing the accuracy of this account, Experian has claimed it was verified as accurate. However, there are clear inconsistencies in the reporting of the account, which suggests Experian failed to properly investigate my dispute in compliance with federal consumer protection laws. 


-Recent Payment vs. Charged-Off Status : The account reflects a " recent payment '' of {$900.00} made on XX/XX/XXXX, yet it continues to be reported as " charged off '' from XXXX through XXXX. A payment should have been reflected in the account status, which remains unchanged. 

-Balance and Charge-Off Contradiction : The account lists a current balance of {$5100.00} ( as of XX/XX/XXXX ) while also reporting that {$17000.00} was written off. 

This raises questions/concerns about how both amounts can coexist, as a charged-off account balance should reflect {$0.00} unless interest or fees were specifically documented. 

-Status Updated Date : The accounts status was last updated in XX/XX/XXXX, yet payment activity in XX/XX/XXXX was ignored. This inconsistency undermines the accuracy of the reported timeline. 

Payment History Errors : The payment history inaccurately shows a continuous charge-off status ( " CO '' ) from XXXX through XXXX, without any acknowledgment of the {$900.00} payment made in XXXX. 

-Highest XXXX XXXX : The account does not include any reported " highest balance, '' which is typically required. This omission further calls into question the accuracy of the reporting. 

-Concerns with Experians Verification Process : Failure to Validate Information : If Experian XXXX a proper investigation, these glaring inconsistencies would have been corrected. I am requesting documentation that demonstrates the validation methods Experian used to verify the accuracy of this account. 
Violation of Consumer Protection Laws : Experian 's handling of my dispute appears to be in violation of the Fair Credit Reporting Act ( FCRA ), particularly : Section XXXX ( a ), which requires credit reporting agencies to conduct a reasonable investigation of disputed information. 
Section XXXX ( a ), which mandates that consumers have the right to know how disputed information was verified. 
Request for XXXX : I respectfully request the following actions be taken immediately : Provide detailed documentation of the investigation conducted, including the methods and evidence used to verify the accuracy of this account. 
Correct or remove the account from my credit report if it can not be properly verified. 

Thank you for your prompt attention to this matter. I look forward to receiving a written response within the legally required timeframe!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX inquiries are the result of identity theft and fraud. 
Fraudulent inquiries : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To whom it may concern : My name is XXXX XXXX XXXX. 
A student loan payment of {$410.00} sent by my employer, The University XXXX XXXX, on my behalf on XX/XX/XXXX, to Pioneer Credit Recovery has not been applied to my student loan account, although the check was cashed over a year. The check was shown to be cashed on XX/XX/XXXX, by Pioneer Credit Recovery. 
I have been having my wages garnished by the XXXX XXXX XXXX for my federal student loans since XX/XX/XXXX, and collected by Pioneer Credit Recovery Inc. 
Pioneer credit Recovery has instructed me that they only process the wage garnishment order, and that all payments are sent directly to The   XXXX XXXX XXXX  of The Department of Education, and that I needed to contact the Wage Garnishment Department of The XXXX XXXX XXXX in order to get information on my loan payments.. 
I was told by Pioneer Credit Recovery to contact The XXXX XXXX   XXXX XXXX XXXX Department of The Department Of Education by calling XXXX - XXXX - XXXX to get information on the missing payment. 
On XX/XX/XXXX, at the request of the XXXX  of the DOE, I mailed the requested copy of the front and back of the check that the University XXXX XXXX deducted from my paycheck and paid on XX/XX/XXXX for my student loan payment, and shown to be cashed on XX/XX/XXXX. The XXXX XXXX XXXX/Wage Garnishment Department stated that they received proof of payment on XX/XX/XXXX. I was told that the payment would be applied to my account within 4 business days, and that I would be sent a corrected XXXX Student Loan Interest Statement.  As of today, XX/XX/XXXX, The XXXX XXXX XXXX still has not credited my account for the payment of {$410.00}, or sent me a XXXX updated and corrected Student Loan Interest Statement, although they have received proof of payment from my employer, in the form of the front and back of the check, and breakdown of when it was cashed. 
I am at a loss on what to do at this point. 
In summary, my goal is to have my student loan payment of {$410.00} credited to my account for XXXX, and to also receive an updated XXXX Student Loan Interest Statement. 

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

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX XXXX. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section XXXX ( XXXX U.S.C. XXXX ) requires a prompt investigation of disputed information. I submitted my dispute over XXXX days ago and have yet to receive an adequate resolution. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

I have repeatedly filed disputes with XXXX to remove inaccurate and incomplete information about me from my credit report. XXXX has ignored my claims and continue to violate my rights under FCRA. I do not know who the collection agency XXXX XXXX XXXX is nor have I ever been in any agreement to work with them. I asked XXXX to please provide evidence stating that I have signed any sort of agreement with this company. If XXXX cant provide this they must remove it from my credit file.
Product: Credit reporting or other personal consumer reports

My brother stole my personal information and opened all of these accounts.