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

I am sending this to ensure continued investigation into the fraudulent inquiries on my credit reports. I urge the three Credit Bureaus to conduct a thorough investigation into these matters as stipulated by law. Below is a list of the fraudulent inquiries that require detailed examination XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX score over XXXX has me at a score around XXXX. 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to notify you that I was a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission or https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed on an identity theft report. Attached are the documents needed to remove the erroneous information and fraudulent items from my report. Below is the list of items that do not belong to me or were opened without my permission : 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 XXXXTRANSUNION 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 According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from an alleged identity theft no later than four business days after receipt.
Product: Credit reporting or other personal consumer reports

Hello, I reviewed my auto loan on my credit report and there are many inaccuracies, it shows for the months XXXX, XXXX, XXXX, and XXXX of XXXX, and XX/XX/XXXX that the payments were late, but i had payment extensions and payments made on that account that would show that the late payments are not accurate to be reported on my credit file. This has caused harm to me applying for credit and this needs to be removed completely. 
Account number : XXXX
Product: Credit reporting or other personal consumer reports

After being on hold for XXXX minutes XXXX times, I was transferred to a department that handles fraud. Numerous times I explained I needed help with my account, and they say they have to transfer me. The " membership services '' department at experien DOES NOT EXIST. You can not speak with anyone. The robot explains that help can be found online. It can not. The information does not help those struggling to connect their bank account or need help with their account. Their AI chat doesnt even work. It should be a chat with a real person. Experien must be forced to have a membership services team with actual people.
Product: Debt collection

This complaint involves bundled services for home phone, TV and Internet provided by XXXX I decided to switch my bundled services from XXXX to XXXX ( XXXX XXXX in XX/XX/2016. XXXX service was installed on XX/XX/2016 ; when installation was complete and phone, TV and internet were all working, I called XXXX to cancel my bundled services ( home phone, TV and Internet ). In XX/XX/XXXX, XXXX billed me services from XX/XX/2016 - XX/XX/2016. Beginning XX/XX/2016, I attempted to get XXXX to remove the charges for the home phone, TV and Internet services ( which I canceled on XX/XX/2016 ) from my account. I have made multiple phone calls to XXXX, spent hours and hours talking with multiple ( XXXX ) XXXX representatives and been promised that corrections have been made. Yet I have continued to receive fraudulent bills for services not received. 

Despite making a call to XXXX on XX/XX/2016, at which time an XXXX supervisor promised that my account had been adjusted to reflect only the services I received from XX/XX/2016 - XX/XX/2016, XXXX turned my account over to collections the following day, XX/XX/2016. After more phone calls to XXXX on XX/XX/2016 my account was eventually reduced to reflect charges for services from XX/XX/2016 - XX/XX/2016. Although I have asked XXXX to recall my account from collections ( since my account was not corrected until after XXXX turned it over to collections, XXXX has refused to do so. I am being penalized and my credit has been damaged through XXXX fraudulent actions. ( See attachments for detailed description of my calls to XXXX, contacts by collection agency and fraudulent bills ). 

IN SUMMARY : XXXX has acted in bad faith and made false/deceptive statements to me throughout this process. I have continued to dispute the fraudulent charges and attempted to resolve the matter in good faith. XXXX ultimately sent my account to collections, even though my account contained FRAUDULENT charges for services I had canceled and had been disputing continuously since XX/XX/2016.
Product: Credit reporting or other personal consumer reports

i submitted my credit for a refinance of my home was issued my report and there was on XX/XX/year> a fraudulent account for the amount of {$800.00} taking out with XXXX XXXX XXXX  using my personal information fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did the proper " investigation '' according to the FCRA The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more in accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal. They also violated the law because according to 15 u.s.c 1681 section 602 A. States i have the right to privacy and 15 u.s.c 1681 section 604 A Section 2 states a agency can not furnish without my instructions. I didnt give nobody written instuctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hireright provided information about criminal cases that haven't been to court yet, let alone have i been XXXX  of a crime. Hireright also provided a report about my education that they claimed a discrepancy, implying i lied, when in fact, it is their questionnaire that is in error.
Product: Mortgage

This company refuses to send me an updated mortgage stat so I can provide it to Florida Department Of Economic - Homeowners Assistance Funds. I have asked and is ret with resistance I asked for a statement and they tell me Im on a coupons that do have. They sent me coupons back In XXXX  and nothing since. The have I need the Mortgage statement for XXXX or XXXX ASAP. My email address is XXXXXXXX XXXX XXXX  fax number XXXX Account number XXXX. Cardinal Financial is refusing and blocking me from receiving help from XXXX. Telephone number XXXX. Times is not on my side
Product: Credit reporting

Hello, I am an XXXX XXXX member and due to the hacking incident several months ago, I added a fraud alert. Now, I am moving and need to open a utility account with XXXX & XXXX for electricity. However, the utility company will not allow me to open an account with out a large deposit because they tell me that Experian does not allow it. I have researched this issue online for hours. I called Experian 's XXXX XXXX numbers and went thru every option on the menu and can not get a live person to help me figure this out. I called their sales department hoping that they can refer me to a phone number or a person to help me and they told me if I do n't have an account ( and pay Experian ) I wo n't be able to talk to anyone. I have exhausted all options and 3 weeks. Please advise. Thank you so much for your help. You are the only reason that these large companies respond to people like me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX mi XXXX XXXX XX/XX/year> This is not my debt asking it to be remove from my credit report
Product: Checking or savings account

I attempted to dispute charges to my BBVA account. The person on the phone told me to go to the website of the other company and take my card off file. I explained that it was an annual fee yet they still allowed charges over several months. They have continued to charge late fees even though money is available in my savings account. I believe this was done because I moved my retirement account to another banking institution. They expressed with the merger from BBVA to PNC that I will not have access to my direct deposit funds. They state the transition will have different account numbers. I am having to change my direct bill pay accounts to a different bank. They expect me to return for services. I will not be returning as this will cause problems for my direct bill pay accounts and direct deposit.
Product: Debt collection

I gave them permission to speak to my mother regarding my account ( she is helping me get out of my debt and they asked for her phone number for their files. Well, Friday XX/XX/2018, they called her 10 times! She is not on the account as an authorized user, she is just authorized to discuss the account. I told them she would call them and that they are not call her. The whole time they were calling her, they were also calling my number multiple times. 

They started call her again yesterday morning and before XXXX they had called her 3 times as well as calling myself!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is reporting inquiries that I do not have an account with. This is effecting my credit report severely to where I can not get jobs or a home loan.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureau are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I submitted a 609 dispute letter to the company and was sent back a bill this response did not provide me with the information I requested per my 609 dispute letter
Product: Credit card or prepaid card

XX/XX/2019 I filed a dispute with Wells Fargo regarding a {$5000.00}. charge dated XX/XX/2019 as this purchased service was not as advertised. Wells Fargo contacted me on XX/XX/2019 to say that medical services can not be disputed. They disconnected before I could explain that this was elective not medical and that I was disputing the fact that I did not receive the service expected. Clearly Wells Fargo did not know how to handle this type of dispute.

I used two separate accounts to pay for the service. XXXX had no issues with returning the funds due to the dispute.
Product: Credit reporting or other personal consumer reports

Im frustrated by the inaccuracies on my report that are needlessly lowering my scores. These errors have already led to unfair obstacles and higher costs, and I shouldnt have to deal with them.
Product: Credit card or prepaid card

Apple Credit Card XXXX GS Bank USA refused to issue me a credit increase of {$1000.00}. So I asked for the minimum of {$200.00} increase in credit so I could buy a apple computer. These people say I am caring a a balance on my credit card. I have not. All the credit card transactions get paid normally XXXXen days or less after they clear the credit card company. These people also claimed they checked my credit history they did not. It never showed up on XXXX. I also explained to these people how much is in my bank account, what my credit score is of XXXX depends on which credit bureau you use. How I am also never late on a payment. How I pay my bills and my income level. Yet these people denied me credit to buy a computer from Apple Store. I also told them I how I was going to pay it off as well. I only been using the card to buy food because of the cash back feature. These people never properly looked over my credit history. They are being XXXX in there giving of credit because I am not a women of XXXX or a XXXX XXXX. Who they would give a credit increase in a heart beat. These people are biased against someone who makes a good living, who has money in the bank and never been late on a payment. My house is paid almost half way off as well. I am not a risk to give credit to for XXXX or less at the minimum XXXX more.
Product: Credit reporting or other personal consumer reports

A week ago I reached out to Equifax after speaking with a representative from credit karma. There is an open credit card under XXXX XXXX  on my account. This was opened XX/XX/XXXX. I was born in XXXX. Also the state this account was opened also said I had an addresses there, I have never lived there or opened a flexible spending credit card for XXXX XXXX There is a balance of XXXX. I reached out to Equifax and I filed a dispute explaining I am not sure where this account came from. This morning they determined this was my account. I reached out to consumer attorneys after I received the results. I tried to call the XXXX XXXX  number and the calls says this number is no longer in service. I did not open this account it also says the last payment was in XXXX which I never paid to this account. I am not sure where it came from and would just like it to be removed and make sure my credit is not negatively affected. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Removal of Inaccurate Information from Credit Report - Violation of FCRA and Consumer Rights Dear Sir/Madam, I am writing this letter to bring to your attention a serious matter regarding inaccurate information that is currently being reported on my credit report. It has come to my attention that XXXX XXXX XXXX Bank has provided inaccurate information about my credit card account, which is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ) ( 2 ) ( B ), and various other laws and regulations, including the XXXX, XXXX, and my Fourth Amendment rights. 
Under the FCRA, I have the right to privacy, as stated in 15 U.S.C. 1681 ( a ). Furthermore, Section 604 ( a ) ( 2 ) of the FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. However, it has come to my attention that XXXX XXXX XXXX Bank has provided information to your credit reporting agency without my consent or authorization. 
Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits any consumer reporting agency from including any adverse item of information in a consumer report, unless it is a record of conviction of a crime which antedates the report by more than XXXX years. The inaccurate information being reported by XXXX XXXX XXXX Bank clearly falls under the category of an adverse item, as it negatively impacts my creditworthiness and financial standing. 
Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) explicitly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with this provision, XXXX XXXX XXXX Bank is in violation of the FCRA by knowingly providing inaccurate information about my credit card account. 
I demand that you promptly investigate this matter and take immediate action to delete the inaccurate information from my credit report. Failure to do so will leave me no choice but to pursue all legal remedies available to me under the FCRA, including but not limited to initiating a lawsuit against both XXXX XXXX XXXX Bank and your credit reporting agency. 
Please provide me with a written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. I expect this matter to be resolved within the legally required timeframe of XXXX days as stipulated by the FCRA. 
I have enclosed copies of supporting documentation, including proof of the inaccurate information being reported, for your reference and further investigation. I trust that you will handle this matter with the utmost urgency and professionalism, as it has caused significant damage to my creditworthiness and financial well-being. 
Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Experian and XXXX regarding a balance Ive been trying to pay since XXXX. Every time I call XXXX Im told theres no balance but Experian is reporting I owe {$100.00}. I have asked Experian on many occasions to remove this account and they have failed to do so. I just called XXXX  this evening and spoke with XXXX she stated theres no balance on the account I said according to Experian I owe {$100.00}. I said please let me pay this so this account can be XXXX  out and removed from my credit report. This creditor is refusing to accept payment and Experian is refusing to remove this account. Its been over 5 years Ive been trying to get this cleared. Just removed the account you are reporting an account with no balance per XXXX. I have XXXX saved phone recording and conversation with XXXX. If Experian doesnt remove this account Im taking legal actions this is ridiculous. This violates the Fair Credit Reporting Act. Come on now
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the  automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you include the following fraudulent ITEMS to be removed from the Credit report. 

XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

There is a credit card from capital one in my name that I didn't apply for which is over XXXX XXXX in debt on my name
Product: Debt collection

Disputed with the company on XX/XX/23 for XXXX XXXX XXXX. Company has received my dispute. It is now XX/XX/23, I have not heard back from the company. The FCRA gives the company 45 days to respond. I have not gotten a response.