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

XXXX XXXX XXXX XXXX PLEASE DETE THIS INQUIRIES
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ME XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EXPERIAN XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Request for Assistance with Unauthorized Inquiries and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to seek assistance regarding unauthorized inquiries on my credit report, which I believe are a result of identity theft and a data breach. I have made several attempts to resolve this issue by contacting the credit bureaus and various banks, but unfortunately, the unauthorized inquiries still remain on my credit report. This situation has been adversely affecting my credit and my financial future, and I kindly request your jurisdiction to step in and help me address this matter. 

I have diligently reached out to all three major credit bureaus, Experian, XXXX, and XXXX, to inform them about the unauthorized inquiries on my credit report. Moreover, I have also contacted several banks, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX consolidated, and XXXX XXXX, in order to report the identity theft and the data breach that I have become a victim of. Despite my efforts, the inquiries have not been removed from my credit report, and I believe this is unfair and unjust. 

Given the impact these unauthorized inquiries are having on my creditworthiness and financial standing, I kindly request your intervention in this matter. I urge you to investigate the situation, assess the evidence I can provide, and take appropriate action to ensure that these unauthorized inquiries are promptly removed from my credit report. Additionally, it would be greatly appreciated if you could facilitate any necessary communication between the credit bureaus, banks, and myself to ensure a swift resolution. 

E I am grateful for your attention to this matter and for any assistance you can provide. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX. I eagerly await your response and resolution to this pressing issue. 

Thank you for your time and consideration. 

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

Cash app didnt have customer service agent for issues
Product: Debt collection

I spoke with a representative from AMSHER collection agency they violated the state laws about the call being monitored or recorded when two new people came on the line and they provided wrong information in regards to the account when I was given information from the original creditor.
Product: Student loan

interests rates are too high and it seems as I will be paying my loans until I retire. I 've tried to work arranging a payment I can afford on a monthly basis and have n't been successful accomplishing it. It is overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed credit accounts that I never opened but dispute results stated that the accounts are verifiable and therefore can not be deleted. I had no income at the time that these accounts were opened, in fact I was basically homeless at the time so it would not have even been possible for me to have even gotten approved to open any credit card accounts. The last ten years I spent homeless I had my socal security card has stolen 10 times along with two birth certificates and multiple driver 's license. Now that I'm not longer homeless and somewhat working using XXXX I was applying for a business loan or a credit card to start a business and was denied because of poor credit when I checked my credit report almost all information on it was inaccurate there were accounts that I never opened that have now ended up in collections. I don't understand why these creditors didn't check a little better and found that I had no income but instead they approved credit accounts to be oped in my name and they allowed my credit score to become damaged. It's their responsibility to check for income and verify identity before approving a credit card. I was unemployed I had no income at all so why did they allow credit cards to be approved, and when I dispute them the results come back as being accurate. They need to fix this as soon as possible because now I can't buy a car, rent an apartment, get any credit cards, start a business get a phone auto insurance because of them not verifying my identity and income. Even after I disputed inaccurate information and accounts not being mine explained that I had had social security cards, driver 's license and birth certificates stolen they still wouldn't fix my credit and send accounts to collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/year> To whom it may concern : Ive sent this dispute certified mail. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Inaccurate Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are XXXX invalid and inaccurate addresses listed as my place of residence. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not wish to have a phone number listed on my credit report. I have enclosed the required copy of my drivers license with my address verifying that this my legal residence is the one listed here. Due to concerns for XXXX XXXX please delete all invalid addresses and phone numbers. 
Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  days of the completion of your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a immigrant and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a immigrant Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXX XXXX  XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized
Product: Credit card or prepaid card

Capital One did process a change to lower the APR for 6  months. However, due to COVID-19, I feel that they can do better. Instead of establishing a variable rate with a quarterly prime ; they could provide a lower APR under a fixed amount. I was transferred three times. The final representative stated that there is nothing available since I accepted the promo.. Very insensitive towards the national pandemic.
Product: Debt collection

I had a collection from AMSHER COLLECTION SERVICES that I disputed through all XXXX credit bureaus, in which both XXXX and XXXX ended up removing completely. I have disputed this MULTIPLE times with XXXX both by paper and electronically, but for whatever reason they will not remove it. I sent a debt validation letter to the actual collection agency claiming no responsibility for the debt and for them to validate the debt/validate that they can even collect in my state and requested this information be sent to me in the legal time frame per the Fair Credit Reporting Act, which is 30 days. I sent it as Certified mail with return receipt requested on XX/XX/21 and I got the green card back signed a few weeks later that they received it. I didn't receive anything back from them in response to my letter though until the end of XXXX, where they only sent me a copy of the bill I owed and nothing else ( no validation that they can collect in my state as requested ). I sent a letter to XXXX with copies of EVERYTHING and told them that it needed to be removed from my credit report since the collection agency did not respond in the legal appropriate time, but they ended up just sending me a letter that reflected my credit report with them and that they couldn't remove it because it was a valid debt ; not even addressing that the collection agency responded way past 30 days. I again disputed it online a few times after that but to no avail. Upon checking my XXXX account again this morning, this collection from AMSHER COLLECTION SERVICES is now showing on my report TWICE, which has decrease my score XXXX points. I am at the point where I am exhausting all avenues to get this resolved and am now at the point of considering hiring an attorney for this matter. The Fair Credit Reporting act and consumer protection is of no use whatsoever if credit bureau 's overlook the actual laws that are in place. I am being setback from purchasing a home because of this and I want it addressed and resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted this complaint 7 times CFPB & XXXXTRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXXTRANSUNION cred with FTC Fraudulent report support my position. It seems XXXXTRANSUNION are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical XXXX. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the accounts REMOVED per 605b with the attached documents again. Thank you 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: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain XXXX services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent : XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have asked Experian to update my personal information and remove the old address of XXXX XXXX XXXX,XX/XX/XXXX nj. I dont live there. 

My late payments on account are in accurate from XXXX. I want this account removed Account XXXX is reporting inaccurate and needs to be removed Account XXXX is inaccurate and not reporting the same as well as late payments And a collections that is reporting inaccurately. 

Account XXXX is reporting inaccurate as well as late payments Account XXXX inaccurate with late payments I have attached photos for reference
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian and XXXX for account # beginning XXXX XXXX XXXX XXXX closed ), and account # beginning XXXX XXXX XXXX XXXX, several times Per 18 USC 1028, 15 USC 6802, and CFPB protections recent lawsuit against the XXXX bureaus. Stating i believe my information has been falsely retained and my previous disputes were mishandled. Both Experian and XXXX denied to follow up with the investigation. In light of the recent lawsuit, which alleges that the companies accepted unreliable information and failed to notify consumer dispute reports. This aligns well with my situation. Experian has not attempted to remove, nor correct any information regarding these accounts. Im requesting that this derogatory remark be removed and corrected immediately as it is affecting my chances of renting a new home and refinancing my vehicle under false pretenses. Both Experian and XXXX violated my rights as a consumer, as well as federal laws.
Product: Credit reporting

My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.
Product: Mortgage

I bought a duplex owner occupied though wells fargo using a conventional loan. when the market dropped I refinanced the loan through a government streamline program to a 15 year loan. so when I hit the government mandated 78 % loan to value the private mortgage insurance should have automatically dropped. It didn't. I now have 62 % loan to value and still paying mortgage insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative 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 others with whom he is acquainted or who may have knowledge concerning any such items of information.

The 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 investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
Product: Debt collection

I found these entries erroneously entered on my credit report. I disputed them will all XXXX credit bureaus and they were removed for lack of evidence to substantiate the debt. A few months later, they were back on my credit report and disputing it did not remove them. 

I believe this is from a security deposit that was paid through a third party vendor for my apartment at XXXX. If it was n't paid, I would not have been able to LIVE in the apartment I lived in. I know that the apartment was clean and did not have big cleaning needed to facilitate the use of any security deposit. 

First, I 've never received notification of an attempt to collect this debt. Second, there previously was n't enough information to substantiate the debt via all XXXX credit bureaus, so where did the proof come from? Even the apartment complex could n't provide me proof that any debt was owed. Lastly, I have never received any proof or communication from either the apartment complex or the third party collector attempting to collect this debt and negatively affecting my credit.
Product: Mortgage

I contacted the mortgage company in regards to past due balance of {$580.00} that has been applied to my loan. The mortgage company advised me that they are for some fees and charges that have been assess to my account that is causing the past due balance. I advised the mortgage company that I should not be assess any fees that appear to be paid upfront. If I'm assess fees that they should be placed on the rear of the loan. I submitted a letter disputing this invalid fees and charges and they have not rectified the issue yet. By this error occurring on my loan it is causing my loan to show past due and have an negative impact on my credit report and continue to have a property inspection ordered assessing more fees to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate. XXXX  XXXX XXXX XXXX refuses to send a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with their obligations under the FCRA is a negligent violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had an a account with cig finnacial i turn the car in voluntar on XX/XX/2019 i have a letter from them saying after car was sold i only own XXXX it show in my report i own XXXX it show im XXXX late payment when car was turn in it was only late that month XXXX and it show XXXX repos which is not true
Product: Debt collection

I have reached out to this company every month for the last 3 months asking them to validate this debt they say I owe and they have refused to validate. I then asked to remove it from my credit report and its still on my credit report. Thats a violation. If yet cant proof thats its mine turn they must delete it. I dont even know who this company is. I am asking you to have credit collection Serv to either validate this account by showing my signatures and my identity or delete it immediately.
Product: Checking or savings account

Sometimes there is missing money and I neger get answers from where the money go around {$1200.00}
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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX  {$28000.00}
Product: Credit card

SEVENTH AVENUE SHOULD PAY THE ACCT IN FULL AS THE INSURANCE OIN THE ACCT
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} ;