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

Hello, I am writing to you in order to ask you for help and delete these accounts that are not mine. I think I am a victim of identity theft otherwise I can not understand how come they appear in my credit report, like its super strange. I do not have any contracts or any other agreements with this companies. 

Thank you and I hope you will remove them as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1 : In XX/XX/XXXX XXXX XXXX reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. 
This information was FALSE and damaged my credit score. 
To this day, I still have never been notified our account was ever sent to collections. 

# 2 : XXXX XXXX charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. 
They are still trying to damage my credit score fraudulently.
Product: Debt collection

This is my second time making a complaint. I was in the process of reporting this issue to the Federal Trade commission and i was redirected to this page. According to the fair credit reporting act this inaccurate inquiry must be removed from my XXXX  and XXXX  account and not just closed. this item is Derogatory and is negatively impacting my credit score. It was Already removed Fully from my XXXX  account. This item was opened onXX/XX/2020 for the amount of {$21000.00}.
Product: Credit card or prepaid card

ON XXXX  XX/XX/2023 CHIME ADVISE THAT MY ACCOUNT HAD FRAUDELANT ACTIVITY AND FROM THERE WILL NOT RELEASE MY MONEY IN THE AMOUNT OF {$700.00}. THIS IS MY ONLINE BANK AND MY DEPOSIT FROM MY EMPLOYER HAVE BEEN GOING TO THIS BANK/CARD. THEY WILL NOT TELL ME WHAT THIS SO CALLED FRAUDELENT ACTIVITY IS AND I CAN NOT GET ANY HELP FROM THEM AND THEY DO NOT HAVE A CUSTOMER SERVICE PHONE NUMBER. THEY ASKE ME TO VERIFY MY ACCOUNT BY SENDING IN MY DRIVERS LICENSE AND A COPY OF A UTILITY BILL WHICH I DID. WHEN I TRY TO CONTACT THEM I AM NOW GETTING NO RESPONSE. I HAVE BEEN READING COMPLAINTS ABOUT THIS COMPANY AND IT SEEMS AS THOUGH MANY PEOPLE HAVE HAD THE SAME ISSUE! I JUST WANT MY FUNDS RELEASED FROM THIS COMPANY AND I AM HOPING YOU CAN POSSIBLY ASSIST WITH THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 


I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of conviction of crimes which antedates the report more than seven years.

U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My funds have been frozen because someone said that a quick pay went into my account from their account in the amount of {$50.00} on XXXX XXXX, 2017 that they did not authorize. I did not notice the transaction it used to be you had to accept or decline a quick pay but that is no longer an option. I have not had access to my account since XXXX XXXX, 2017. I had over {$200.00} before the deposit and now I have over {$950.00} ( and that 's without the {$50.00} ) .ive called several times they say maybe by XX/XX/XXXX it will be released
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft these accounts do not belong to me XXXX XXXX opened XX/XX/XXXX {$19000.00} XXXX XXXX   opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXX XXXX opened XX/XX/XXXX {$11000.00}
Product: Money transfer, virtual currency, or money service

I earned some Bitcoin on XXXX in XXXX. I'm unsure of the amount ; it was somewhere in the tens of dollars at the time, but with Bitcoin 's higher price today, I think it would be in the hundreds of dollars. 

XXXX was acquired by Coinbase, who created a process for XXXX users to move their balance to a Coinbase account. I followed that process, but it didn't work ; I never saw Bitcoins enter my Coinbase account.

I attempted to contact Coinbase three times about this : twice using their online contact form, and once using XXXX. I never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been a victim of identity theft. My personal was stolen. I noticed XXXX XXXX that I have incorrect/ fraud hard inquiries on my credit report. The company reporting this is XXXX. The incorrect hard inquiries listed are Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I log into Experian online and notice that there were reporting inaccurate personal information on my consumer credit profile, upon realizing this this I called and spoke with XXXX who stated that he doesnt have an employer number. I told him that the call was being recorded for verification purposes only. But I told XXXX that first of all Experian is violation the fair credit reporting act because according to 15 USC 1681b ( 2 ) in accordance with the the written instructions of the consumer to whom it relates. I have not nor have I ever gave Experian written permission to report anything on my consumer credit profile which is also considered identity theft and I will reporting this with the FTC.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXr I have no connection or knowledge of these three accounts and these bureaus arent helping me. 

XXXX XXXX # XXXX balance {$31000.00} XXXX XXXX XXXX {$500.00} closed XX/XX/year> XXXX XXXX XXXX back # XXXX balance {$60.00} Please help me these arent mine XXXX just now able to get on with my life without looking over my shoulders
Product: Credit card or prepaid card

Reward points of over {$300.00} were supposed to be redeemable around the beginning of XX/XX/2019 however when I attempted to redeem them, I was told some members are allowed to redeem their points but others are not and it will take up to 60 days to review my membership to confirm whether or not my reward points are redeemable. 
Ive had this card for several years with no trouble redeeming points but they also told me, they have made a few changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed that on the XX/XX/XXXX that my credit score was updated on two of the three credit bureaus, XXXX  did not adjust ( which is sometimes customary ( as long it is not a low score ) ), my XXXX  score had risen greatly ( no complaint against them ), however, my previous score with Equifax was XXXX, with a good credit standing, but it dropped tremendously about 56 points to XXXX without reason. I contacted an Equifax customer service agent after creating a MyEquifax online account, and the agent was giving me tips on how to improve my credit score by signing up with the only card I have and is in good standing with, after I explained the aforementioned issue ( why did Equifax lower my score whereas the other two had either risen or remained stable ). 

So basically, I am only asking that Equifax not only bring up my score back to XXXX, but also update my score with the recommended points close to or above 700. I only have one major credit card ( XXXX XXXX/MasterCard ) in which I have been paying two or more large payments before the due date the last two months ( from XX/XX/XXXX and in XX/XX/XXXX ), so my question is why did this credit bureau lower the score by 56 points whereas the other two bureaus either heightened or stabilized the score?
Product: Credit reporting

The account below is not reporting on my credit port and it 's effecting my profile and score. 

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

On XX/XX/XXXX my spouse and I requested our annual free credit reports from all three credit bureaus. 

XXXX provided both credit reports as requested. 

TransUnion provided a credit report for my spouse, but other than my name the credit report was blank and, and when I tried to refresh the information the site said that I had already received my free report. 

XXXX denied provided both credit reports due to an inability to verify our identities, using the exact same information XXXX and TransUnion accepted. 

When I call their support numbers to request mailed reports, both Transunion and XXXX mailed letters stating that a free copy of your credit file alreadt has been sent to you within this past 12 months. This is untrue, and in any case as we understand it, we were entitled to free XXXX credit reports during the pandemic. 

XXXX has continually denied my free annual credit report requests in XXXX, XXXX and XXXX, and denied requests from my spouse in XXXX, XXXX, and XXXX. This appears to be a systematized denial of legally mandated credit reports, considering the same identity information provided to the XXXX website was accepted by the other two credit bureaus.

We know our credit bureau files are up to date, because we unfreeze and refreeze them when we perform the annual credit report requests.
Product: Checking or savings account

On Sunday XX/XX/2021 I placed an XXXX order which is funded by my PNC debit card ( recently Compass bank ). I cancelled the order within an hour. XXXX acknowledged the cancelation and said they don't debit the account until the item actually ships. Online I was able to see the hold PNC had placed for the {$350.00} for said purchase. XXXX contacts the bank and has a hold put on the purchase amount, but does not actually transfer the funds until the purchase ships. I had the bad fortune to make this transaction as PNC was switching all Compass accounts. I have been in the physical bank on 4 occasions and on the phone numerous time to no avail. I have been put on lengthy holds and twice disconnected. The branch manager filed an escalation for me, but I can get no information on it's status. I spent over a month now trying to resolve this issue with the bank. It is now time to escalate the issue to the banking authorities. 

( my PNC account # is XXXX to help in tracking this issue )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, U.S Department of Education : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am submitting a new complaint once again to apprise you that I have fallen victim to identity theft. I visited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and lodged an identity theft report once more, in accordance with FCRA Section 605b, where Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report. Enclosed are the ATTACHED documents intended to facilitate the removal of inaccurate information currently reflected on my report. Here is the list of inquiries that do not pertain to me or were opened without my authorization : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. Upon reviewing my credit report, I have identified inaccurate or outdated information that needs to be corrected. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days.

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX and XXXX XXXX. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Incorrect Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX. However, my credit report contains incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since outdated addresses can cause identity verification issues and increase the risk of fraud, I formally request that they be removed and that my current address be updated accordingly. 
Enclosed Supporting Documentation : A copy of my driver 's license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes.

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. S Section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub Section 1681-B, to demand the immediate removal of the hard inquires listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. ADDITIONAL UNAUTHORIZED HARD INQUIRIES FOR REMOVAL : - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Iq data is the company and when I was first contacted the man I spoke to was extremely rude and told me that I make to much money to have a collections. He was extremely abusive verbally on the phone. I told him to not contact me anymore and he kept calling me sometimes over 5x a week.I hired someone to manage my finances and she asked to get emailed the amount I owed and he never did
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Greetings, I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score. 

XXXX has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with XXXX  on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. XXXX corrects the inaccurate reporting of my payment history immediately. 
2. XXXX is held accountable for the mismanagement and incorrect furnishing of consumer credit information. 
3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

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

I need that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date your receipt of this request for validation : 1. Name and address of alleged creditor : 2.Name on file of alleged debtor : 3.Alleged account # : 4.Address on file for alleged debtor : 5. Amount of alleged debt : 6.Date that this alleged debt became payable : 7.Date of original charge off or delinquency : 8. Copy of the contract and any amendments as this will show what the terms of the contract so I can see if you are following this in the amount you are trying to collect from me ; + 9. Was this debt assigned to debt collector or purchased? 
10. Purchased agreement if the debt was purchased so that I can see if you really own this debt : 10.Agreement that bears the signature of the alleged debtor wherein I agreed to pay creditors.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit card or prepaid card

I have two JP Morgan Chase credit cards that were included in bankruptcy. 

These accounts are past the reporting time. 

JP Morgan Chase needs to remove these. 

Furthermore, the accounts are listed as if they are identical - XXXX is what the two entries show. 

One card was the Chase Freedom, and the other was the Chase Sapphire.