23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 XXXX XXXX had sent a letter to me requesting that they needed an original statement of the bank account used to fund the security deposit. 
Since it has been close to 2 years I could not locate that information. 
The letter indicates if they do not receive an original statement of the bank account used to fund the security deposit account they will then close down my account. 
On XXXX XXXX. XXXX XXXX closed my account. 
I have a {$2000.00} security deposit. 
Customer service said it could take over 13 weeks to get my security deposit back. 
The account is paid in full and I am concerned that I will not get back my security deposit. 
A derogatory mark could land on my credit report
Product: Debt collection

Debt collector by the name of Credence calls me repeatedly after telling them to stop calling they call multiple times a day even after hours. It was for XXXX XXXX cancellation. I was going through a divorce and when I moved out I had to cancel services. I have not received communication via mail only repeated phone calls. I had payment arrangements through XXXX XXXX XXXX  but they still sold debt to collections. I am in the process of disputing debt with XXXX XXXX credit repair. Credence calls approx 7x a day.
Product: Credit reporting or other personal consumer reports

PLEASE THESE ARE KEEPING ME STRESS, THESE LATE PAYMENT REMARKS ARE NOT MINE, PLEAS HELP ME RESOLVE THESE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got out the military in XX/XX/XXXX. There is a XXXX of XXXX charge off in the amount of XXXX showing as charged off in XX/XX/XXXX when this was actually charged off back in XXXX. I tried to call the number that is showing on my report XXXX XXXX XXXX to get them to update there records but the line says its a non working number.
Product: Debt collection

LNV lending sold debt to another third party and the a law firm reached out to me in XXXX and stated they would sue for unpaid debt. 

15 USC 1692c outlines rules regarding communication between debt collectors and consumers. According to this law : Debt collectors can not communicate with a consumer without prior consentXXXX. 
If a consumer notifies a debt collector in writing that they refuse to pay a debt or want the debt collector to cease further communication, the debt collector must complyXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened XX/XX/XXXX Status : Closed. {$50.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX Balance : {$470.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Debt collection

I did not consent, nor benefit from, or authorize any of the following Account : Portfolio Recovery Associates LLC - report furnished by Portfolio Recovery Associates LLC Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their gave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Product: Credit reporting or other personal consumer reports

The following accounts that are listed on the file below is coming back as VERIFIED. That is defamation to my character! It's been XXXX long months of me making an report for these items to be removed from my credit report. There has been vehicles, apartments and even loans listed in my name that I've never gave any permission to that's open in my name. I am demanding an investigation to take place for it is not only destroying my credit but it is making my character look horrible. please remove all of these fraudulent files from my report now and i mean asap i will not go another month of these accounts coming back as verified no no no.
Product: Credit reporting or other personal consumer reports

called all companies involved. All removed from credit report. But they keep coming even with the credit reporting companies putting a freeze on my info. the keep trying even with the same cards. need my life back.
Product: Mortgage

This morning XX/XX/2023, I called USAA to start the application process to purchase my first home. My dad is an XXXX XXXX vet, and he lives with me so I care for him. My twin sister and I are trying to buy a home so we can stop renting as my dad is on a fixed income and rent keeps going up. I spent 58 minutes on the phone with XXXX XXXX - mortgage ID : XXXX and he never one time said that my XXXX file needs to be unlocked so we could proceed. Once we got to the permission to run credit, he then tells me that my file is locked, he's denying my application because my file is locked because USAA doesn't like locked credit files. I told him, " sir, the amount of credit fraud that happens and with XXXX leaking my information a few years ago, I am entitled to lock my credit file to ensure I am not a victim fraud. Can I just unlock my file now so you can run the credit? '' He said, " no the application is denied and you will have to start all over. '' I told him, '' I would not is ton the phone with another person going through this entire process again. Can you at least save my application? '' He said, " no, USAA executives forbid saving applications and require customers to go through the process again. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXXXXXX XXXX XXXX  ( Bank ) Hard Inquiry : XXXX Hard Inquiry : XXXX XXXX
Product: Debt collection

I have paid the debt as of XX/XX/2022. On the same date, the collection agency reported that the debt was still owed. I am attaching all the documents to support that the payment has been made. I have included the document that illustrates the phone you can call to verify the money has been cashed. When I log into the collections agency 's website it also shows it has been paid.
Product: Credit reporting or other personal consumer reports

Subject : Final Request for Removal of Unauthorized Credit Inquiries To : Experian I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : INQUIERES 1. *XXXX XXXX XXXX Inquired on XX/XX/year> 2. XXXX XXXX XXXX Inquired on XX/XX/year> 3. XXXX XXXX XXXX Inquired on XX/XX/year> 4. XXXX XXXX XXXX Inquired on XX/XX/year> Final Basis for Dispute Under Section XXXX ( 15 U.S.C. XXXX ), I have the right to dispute any inaccurate or incomplete information, and it is your legal obligation to investigate these disputes and ensure the accuracy of the reported information. According to the law, failure to correct inaccurate information or remove unauthorized inquiries after an investigation constitutes a violation of the FCRA. 
Furthermore, Section XXXX ( 15 U.S.C. XXXX ) grants me the right to access all information in my file, including details regarding the inquiries. To date, I have not received sufficient documentation or validation justifying the presence of these inquiries on my credit report. 
Section XXXX ( 15 U.S.C. XXXX ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my authorization and are not supported by any permissible purpose under this law. 
Additionally, I invoke Section XXXX ( 15 U.S.C. XXXX ), which holds data furnishers accountable for reporting accurate information to credit reporting agencies. By continuing to report these unauthorized inquiries, your office, as well as the responsible data furnishers, are in direct violation of this section of the FCRA. 
Likewise, under Section XXXX ( 15 U.S.C. XXXX ) of the FCRA, which deals with protections against identity theft, it is your duty to ensure that unauthorized inquiries, particularly those potentially related to identity theft, are removed from my credit report. 


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

Dear XXXX, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

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

During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations while XXXX has deleted one and is in the process of removing the remaining two accounts. However, Experian has decided not to remove any of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Experian can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) ( Pending XXXX deletion ) XXXX - {$280.00} ( Deleted by XXXX ) ; ( Pending XXXX  deletion ) XXXX  - {$390.00} ( Deleted by XXXX ) ; ( Deleted by XXXX )
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, I've encountered no progress in resolving these issues. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response labeled my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the gravity of this matter to me. Failure to address my original request, conveyed via certified mail, will compel me to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a comprehensive reassessment of the following information and furnish evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you fail to provide such evidence, I insist on the immediate removal of these items from my report.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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

I submitted a complaint on XX/XX/XXXX regarding unauthorized activity on a recently pulled credit report from TransUnion and their refusal to investigate. TransUnion responded on XX/XX/XXXX stating, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. '' Only to receive a follow-up response in " less than '' 24 hours with an " explanation '', no investigation. 

How is it that I received a response on XX/XX/XXXX stating that you are reviewing the matter, then a follow up response in less than 24 hours later. My complaint included XXXX hard Inquiries ( XXXX-XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX of your company 's very own ( XXXX XXXX XXXX ( XX/XX/XXXX ) that were not factual or authorized. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in LESS THAN 24 hours after, one can assume that there was no investigation into the matter. I submitted this complaint due to the lack of investigation into my concern for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX # XXXX Balance {$3600.00} XXXX XXXX # XXXX Balance {$5500.00} XXXXXXXX XXXX # XXXX Balance {$30000.00} XXXX XXXXXXXX Balance {$140.00} XXXX XXXX # XXXX Balance {$850.00} Also any Address other than XXXX XXXX XXXX XXXX XXXX, CA XXXX need to be removed. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX  XXXX Credit Card with account # XXXX
Product: Debt collection

On XX/XX/XXXX I purchase a prepaid Visa NetSpend credit card at the corner Check Cashers close to my home after arriving back home I attempted to activate their credit card where I was placed on hold a number of times after 45 minutes a representative informed me that my card can not be activated due to a past due delinquent account with the same company " net spend '' which they indicate {$1000.00} purchase at XXXX in XX/XX/2016 I have never had a card with this company not credit nor prepaid '' and I do n't understand how you can have a balance on a prepaid card also listed under their terms and conditions you must have a direct deposit set up on ur account '' to even be allowed to overdraft I 've. I 've never had the direct deposit anywhere ever '' paid in cash. I literally stayed on the phone with these people for two full days being placed on hold being hung up on twice being rerouted to other operators itwhomwas unfamiliar with the situation '' I demanded the release my money and activate the card however that did n't happen they just took my money {$180.00} and they 're only concern was to convince me to pay the remainder of the XXXX they said I owed they could not disclose to me the location or phone number or any contact information of this XXXX where they indicate I may day {$1000.00} purchase '' I do not owe this company I 've never had an account with this company. I have never had a direct deposit with any company '' they 're just trying to shut me out of my money also upon investigating on the internet n read how they are currently involved in a class a lawsuit filed back in XX/XX/2016 for basically the same scenarios stealing money from card purchasers the company reacted to me in a manner as if I was a thief and they were a victim when I was the victim all I know is this has been a nightmare I simply just need my money back that they took for no reason please help thank you for your time and consideration
Product: Credit reporting or other personal consumer reports

I have stated that I have been a victim of identity theft to this bureau for the about over a year now. I have provided documentation over and over. I am a victim of the XXXX data breach that occurred in 2017 and these accounts are a result of that. These accounts are causing me financial hardship and denials. I need the accounts deleted and blocked from my consumer reports. 

XXXX XXXX XXXX Account Number : XXXX {$7400.00} XXXX XXXX Account Number : XXXX {$1900.00} How are XXXX and XXXX able to remove these accounts but Experian is still reporting false information under my consumer report. They are in direct violation of 15 USC 1681s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX, where I have a credit card, that there was a inquiry on my credit report from Bank of America on XX/XX/23. I did not initiate this credit check.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I had applied for the CAPITAL ONE QUICK SILVER credit card since they were and still are Offering Cash Bonus. Spend {$500.00} within 3 Month and you will receive {$200.00} one time money back. I was accepted back in Dec last year and REFERRED my XXXX  as well as there was a REFFERAL Bonus as well as the cash back bonus. 

I have spent {$500.00} as mention on Capital one credit and never received any bonus. My wife however spent {$500.00} and received {$200.00} immediately. So I was wondering what had happened. So I called Capital One and told me I am not qualified for the offer that I had initially buy into. 

So the referral was sent from my Capital One app Quick Silver Card. The process was very simple, Just send the link and if the recipient is accepted you shall both be rewarded. 
I was told I would be getting my bonus within 2 bill cycles when I initially called capital one.

Month later I was told no you are not entitled. After reading all inclusion and exclusion there was nothing to suggest otherwise I was within the rules.

I would like the Bonus scheme to be honored as agreed on Capital one Quick Silver.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a account on my credit profile that does not belong to me and has never belonged to me ( XXXX XXXX XXXX balance XXXX ) XXXX is reporting a account on my credit profile that does not belong to me and has never belonged to me ( XXXX XXXX Balance XXXX $
Product: Debt collection

A credit card was open under my name as a result of a identity theft with exxon mobile. Reported the account as fraudulent, but they are still reporting me as responsible for it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts with inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX