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

I have never lived at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and it has come to my attention that Experian is erroneously including this address in my credit report. I would like to bring this matter to your attention and request that appropriate action be taken to rectify this situation promptly. 
As per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( C ), credit reporting agencies such as Experian are prohibited from reporting information that the consumer has informed them to be inaccurate. I have not resided at the address mentioned above, and it is imperative that Experian corrects this error immediately. 

I kindly request the Consumer Financial Protection Bureau 's intervention in ensuring that Experian complies with the FCRA and removes the inaccurate information from my credit report. This correction is essential to maintaining the accuracy and integrity of my credit history. 

Enclosed with this complaint, please find proof of my correct address, to assist in the resolution of this matter. I appreciate your attention to this issue and look forward to a swift and satisfactory resolution. 

Thank you for your prompt assistance in rectifying this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : ACCOUNTS RECEIVABLE XXXXXXXX  XXXX- XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2021 I sent a request for validation of on a vehicle loan under FACTA section 312 and was sent back the contract and letter with a settlement offer of XXXX. Then I sent another dispute on XX/XX/2021 requesting a UCC DEFICIENCY letter requesting additional information which is attached as well. You can not request me to settle a debt without providing me with the deficiency information informing me Presale Notice, Post Sale Notice the cost and if a letter was even sent to me of the default notice. If Nissan can not provide me with these documents that they sent AT THE TIME, then legally they can not continue to report or collect on this debt. If this is not removed from my report I will next have to file a complaint with my local attorney 's general 's office and take things further if need be. Attached please find the disputes that were sent. Please DO NOT continue to send me a contract agreement this is not sufficient enough to prove that you all have done your part with me as a consumer. 

Thank You
Product: Bank account or service

On XXXX I placed a print job order at XXXX XXXX , Store # XXXX, on XXXX XXXX in XXXX, AL. I did not notice that the store overcharged my bank card until a month or so later when I was reviewing my bank account statement. 
I never spend over {$10.00} when placing an order at XXXX XXXX, but the charge on my bank card was for {$160.00}. I called the local store and the corporate office in an attempt to have the error corrected and the money refunded to my card, with no resolution. 
By the time I was able to get to my bank to notify them of the charges, too much time had lapsed and the bank could not assist me in recouping my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Checking or savings account

XX/XX/XXXX Unable to access my chime account because I can not receive the verification code, and they do not offer the option of having the verification code sent to you an alternate way. 
Found out my phone number had been changed tried to update phone number online got all the way up tp getting a verification code enter code enter new number nothing happened. Have been going around and around with customer service sending requested documents and now I am informed my account is on hold due to suspicious activity, I have provided once again requested documentation and I am now waiting for the review department to make a determination. my social security XXXX check goes into that account and I had {$1300.00} to {$2000.00} in a savings account. I can provide a timeline and copies of all emails as well copies of all documentation I provided to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transunion are keeping unauthorized inquires from the following companies on my credit report, XXXX has removed all inquires in question. 

REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES Inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry made on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the company ( s ) listed above. To my knowledge, I have not signed any documents authorizing the company ( s ) in question to view my credit report. The listed inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter is appreciated.
Product: Payday loan, title loan, or personal loan

Opened account online back in 2021. 

Issue 1 : Company misleads and/or omits important interest information at the point of loan acquisition and on your account billing statement. They fail to provide interest charges on billing statement. 

Issue 2 : I am unable contact company directly through their website or by telephone.

Issue 3 : I feel the business practices and profits by violating Usery Laws and actively engages in predatory lending practices.

Issue 4 : Failing to provide appropriate disclosures : Interest rates.

Crediting and compounding policies. 
Service fees. 
Balance computation method. 
Minimum balance requirements. 
Transaction limitations. 
Time requirements ( if applicable ) Issue 5 : Taking five days to process payments forcing the account to incur further interests and charges.
Product: Credit reporting or other personal consumer reports

Account number # XXXX I hope this letter finds you well. I am writing to bring to your attention an issue I have encountered with XXXX XXXX, regarding a debt they are currently reporting on my credit report. 

Recently, I sent a debt validation request to XXXX XXXX, as I wanted to confirm the legitimacy of the debt they claim I owe. In response, XXXX XXXX provided me with a bill from the original creditor that contradicts their claim. Specifically, XXXX XXXX states that I owe them {$990.00}, while the bill from the original creditor indicates that the outstanding amount is only {$350.00}. 

Furthermore, I noticed some discrepancies regarding the account details. According to the bill from the original creditor, the account was opened in XX/XX/XXXX, whereas XXXX XXXX states that the account was opened in XX/XX/XXXX. Additionally, I requested information on the date of the first delinquency and the date of last activity, but XXXX XXXX was unable to provide this information. 

Given these inconsistencies, I am concerned about the accuracy of the information being reported on my credit report and the validity of the debt XXXX XXXX claims I owe. I have attached the bill from the original creditor for your reference. 

I kindly ask for your assistance in addressing this matter. It is important to me that my credit report reflects accurate and complete information. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX Im a single mother raising my son, to my best ability trying to survive and maintain my family well fair.I have been struggling during these difficult times with COVID 19 pandemic, financially & emotionally. This debt /collection department has been hindering my credit enabling me to obtain better credit & promising future. I address this issues numerous times trying to clear a debt thats not even mine far as Im aware but cant afford for this to remain on my credit or allow this to affect me any longer than it already has which the negative report they added drop my score 78 points for continuously reporting debt not proven/validated to be my debt, Dept refuse to offer me a reasonable settlement base on my un - employment status demanding me to pay 85 % of Dept to be paid, this company is taking advantage of this situation not complying with government recommendations helping customers during this pandemic. I reached out to the company twice to prevent them from reporting on my credit for Dept that has yet been proven to be my debt please help me solve my concerns /issue with this un professional un helpful typically the worst customer service in the world Thank you
Product: Money transfer, virtual currency, or money service

During XX/XX/2022 a XXXX transaction was attempted and blocked in the amount of over {$3000.00}. The record of the transaction was removed from my account. 

On XX/XX/2022, an unauthorized transfer was made in the amount of {$1900.00} was made. As a result, after reporting the fraud Bank of America froze my account and opened a new account. 

Subsequent to closing my account numerous checks bounced as well as scheduled electronic transfer were blocked too. 

Bank of America said it would take up to 120 days to resolve to the issue.
Product: Credit card

On XX/XX/year> while traveling in XXXX XXXX, XXXX i hailed a cab and at the end of the cab ride, the cabbie said i could pay for the cab ride using my credit card. He had a " Clip device '' and he ran my credit card. I got out of the cab and discovered he had charged it for {$530.00}, a clearly fraudulent amount. I immediately opened a dispute on my Citibank app and instead of typing the dispute amount as XXXX, in my panic i entered XXXX and hit submit. I later realized my mistake and i immediately called Citibank upon my return to the United States on XX/XX/XXXX. I explained to Citibank Dispute center as to what had happened. But they said that the dispute had been resolved in my favor for {$5.00} ( this dispute has been resolved **within 1 business day of my opening it** without giving me any time at all to correct it ) and there was nothing they could do to re-open the dispute. I have tried to talk to Citibank for 3 months now and i am really frustrated that they are not able to re-open the dispute for the correct amount of XXXX. The Dispute number which is Resolved in my favor with the incorrect amount of XXXX is XXXX. On XX/XX/XXXX, in an attempt to force open the dispute, i withdrew it on the Citibank app and called into the Dispute Center again to get them to re-open it. Hence the dispute XXXX shows as XXXX. 

I am really frustrated by Citibank that they can not go after fraudsters and for the XXXX network to allow a fraudster to operate on its network. We need to root out these fraudsters and that step only begins with pursuing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this account directly with XXXX several times and also supplied an FTC report. This account does not belong to me. I've never taken student loans out with this company. I believe this information belongs to someone else.
Product: Checking or savings account

I have been seeing Experian Credit charges on my banking statements for months, but each time I call, the automated system tells me that I have 'free ' memberships, and ends the call. I have tried to get in touch with a live representative on their consumer help line, but I've had to wait 2+ hours each time, only to be told that nobody is available, and that they will attempt to get back to me ASAP, which never occurs. Today, they replied to my email when I told them about the charges, and the representative simply told me to try connecting with the same line that never answers, and never returns my calls.

I have no way of stopping the withdrawals, of which, has been in excess of {$300.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$9900.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$400.00}, credence resource XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX & XXXX, XXXX Account # XXXX date XXXX XX/XX/XXXX XXXX {$180.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$100.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My XXXX payment was reported late, this was due to a natural disaster ( hurricane XXXX ). I tried to make my payments online, the payment was submitted before the due date but didnt go through uniting after the storm due to not having cell service or wifi. I even tried to go out during the storm to the bank and make my payment in person but the bank was closed. I did everything I could to make that payment on time but it was ultimately out of my hands, and now the late payment is being reported on my credit and is causing my score to go down almost XXXX points. This action is threatening my livelihood and preventing me from getting approved for a home and or any other credit checks I need to obtain things I need for daily living. I believe this late payment should be taken off of my account because it was due to a natural disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for the bureaus to highly look into this matter as soon we possible and remove the items that do not belong to me. It is honestly unfair that I have to go through this and do all this research when things could just be done correctly the first time. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

Transunion inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX inquiries are : XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have hired a debt consolidation legal firm XXXX XXXX XXXX to aid me in paying off my credit card debt. I was notified end of XXXX that Gurstel Law Firm was representing XXXX XXXXXXXX for the unpaid cc balance. I forwarded the summons to XXXX. A few weeks later I was notified that Gurstel had obtain a judgement. I sent that document to XXXX. I also reached out to Gurstel to work out a payment plan- they advised me that NO ONE would talk to me because I was being represented by a legal firm. I called XXXX to help get this settled. XXXX called me and then advised me that Gurstel would not work with them because I owned that debt. I keep receiving notifications that Gurstel has received judgements increasing the amount owed each time and when I contact them to settle the debt- and demand someone assist me with my debt- they keep telling me no one will speak to me from there since i have a legal debt company representing me. Im afraid they are just going to empty my bank account one day and that alloted money wont be able to pay my monthly bills. I need help. I have been jerked around back and forth between the 2 companies since XXXX while continuingly making my monthly payments to XXXX. 
I can not get help from Gurstel and Gurstel wont speak with XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$570.00} XXXX  XXXX - XX/XX/2024 SXXXX XXXX XXXX - XX/XX/2024 XXXX  XXXX  XXXX - XX/XX/2024 XXXX XXXX - XX/XX/2024 XXXX  XXXX AUTO FIN - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024XX/XX/year> XXXX AUTOS - XX/XX/2024 XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.