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

On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a XXXX XXXX  and COVID-19 has affected my XXXX and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Equifax a collection/chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account belongs to XXXX XXXX XXXX. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

I have disputed this several time with the 3 major credit reporting agencies. I have asked the debt buyer to please provide a copy of the original debt. As yet I have not received anything
Product: Credit reporting or other personal consumer reports

I have disputed these items with XXXX, Experian and XXXX. Nothing has been done even after providing proof. The only address that should be on my credit report is my existing address XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX
Product: Debt collection

IC systems are trying to collect a debt of {$330.00} for an account from XXXX that was not mine. account was opened in XXXX Florida and closed on XX/XX/XXXX XXXX XXXX collection account is XXXX. IC systems collection agency received on XX/XX/year>. I found out from my credit report in XXXX XXXX.I have contacted all parties and I am filing a theft claim form with XXXXI have put a fraud alert on my credit report and disputed the claim for {$330.00} on XXXX. XXXX Ticket number is... XXXX.
Product: Checking or savings account

Someone claiming to be Current my online banking. Scammed me out of all {$980.00} of my money and I contacted Current and they shut my app down and told me basicallly they couldnt help me and I believe this was an inside job ... my name email and number kept getting changed right before Current shut my online banking down .... when this person took the first batch of money Current said they will log me out all devices so it wont happen again but it did this person took more money and then thats when Current shut my app completely down and said it was being investigated but took days and days to respond with an update and then told me they couldnt help me
Product: Credit card or prepaid card

I opened an account with Upgrade for a cash back card in roughly XXXX of XXXX After using it a month I realized it was not a traditional unsecured card with a grace period on purchases but a charge card that charged interest as soon as a charge was made. As I had not interest in this type of account I paid it off and sent an email to try to close the account. They responded that I had to call to close the account. I did so for the first time in XXXX of XXXX. Since then I have been receiving monthly card statements ( always for {$0.00} ) about my account. Each time I log into my account online it shows as active. I have since called two more times to close the account and, just like the first time, have been ensured each time that the account has finally been closed. Each call has taken well over an hour as the company will put me on hold, transfer the call, and disconnect so I have to call back. I have just received another email and verified my account is still active, over a year after I first tried to close the account. I want this resolved as I do not trust the company and feel it is a security risk to continue to have a financial relationship with them.
Product: Debt collection

Received a letter in the mail stating I owed the collections agency Linebarger Goggan Blair & Sampson LLP from a debt in 2014 from the state of Illinois. I have never received anything regarding this from 2014 until now. This collections agency has told me on the phone I have to pay something and I do not have any knowledge of this and feel like this is something that is fraud. I lived at the same address for 5 years and no one has reached out to me concerning this. this collections agency is using unfair practices to force me into paying something I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I went to a dealer to purchase a new vehicle when they ran my credit I didnt get approved because I apparently I had some negative accounts & a few inquiries on my credit report. I wasnt sure what they were talking about so i looked at my credit report myself & sure enough I saw 3 accounts & some inquiries on my report that arent mine. I did not open these accounts nor did approve of these inquiries. I have never allowed anyone to use my personal information to open any accounts in my name. I am not affiliated to any of the companies lised on this report nor have I ever opened an account with those companies. I did not get anything out of these accounts that were opened such as money, services, goods or any other benefit ; I have never contributed to any payments made towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report regarding these suspicious accounts and inquiries.
Product: Credit reporting

I 've disputed several incorrect accounts on my credit report for late/missed payments and accounts not belonging to me, but to someone in my household. They continue to reply with they will not reinvestigate and/or remove this information.
Product: Debt collection

Please REOPEN case XXXX as the contract provided is fraudulent. One it reflects an address of : XXXX XXXX XXXX, XXXX, OH which clearly DOES NOT belong to me. And that is NOT my signature. As stated before this is not a clear validation and does not match any of my personal information. If this debt is not removed I will contact my attorney. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt **COMPANY HAS NOT PROVIDED -Balance claimed including all fees, interest and penalties **COMPANY PROVIDED INVOICES BILLED TO AN OHIO ADDRESS THAT DOES NOT BELONG TO ME -Contract bearing my personal signature **COMPANY PROVIDED A CONTRACT WITH AN OHIO ADDRESS THAT DOES NOT BELONG TO ME AND DOES NOT REFLECT MY PERSONAL SIGNATURE -License proof to collect debts in my state **COMPANY HAS NOT PROVIDED
Product: Credit reporting or other personal consumer reports

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

XXXX XXXX Inquired on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX and XXXX XXXX with no successful resolution. Equifax, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
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 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Congress makes it clear that you assumed your role in evaluating consumer reports. I was affected by Experian. Experian you did not have permission to furnish anything on my reports, I did not give my consent. Also, congress states that consumer reporting agencies must exercise their grave responsibility. Experian was unfair, impartial and did not respect my right to privacy. Nor did they receive consent to furnish anything on my report. Congress states that written instructions must be received from the consumer for consumer reporting agencies to furnish anything on a consumers report ; I did not give written instructions for Experian to furnish anything.
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has allowed an unknown and inaccurate account to appear under my name. As a victim of identity theft, my personal details were misused, leading to this fraudulent account being added to my credit historyan account I have no connection to. Per TransUnion 's instructions, I filed a report with the Federal Trade Commission ( FTC ) and provided all required documentation to resolve the issue. Despite taking these steps, the fraudulent account remains on my report, creating unnecessary stress and potentially damaging my financial reputation.
Product: Checking or savings account

On XX/XX/XXXX my debit card was compromised after using an ATM machine while traveling in XXXX. I called Citibank and was assured that they would look into three highly suspicious charges that were made in 3 separate cities for vendors I have never contacted in my life. 
I requested a new card as a result of these fraudulent charges and Citibank sent me one via FedEx. 

The first was for XXXX Townhouses  in XXXX, TX. A XXXX  search reveals that this is for a townhouse. Why would I make this payment? I never have in my life. 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX {$1000.00} The next charge was the following Debit Card Purchase XX/XX/XXXX XXXXXXXX  # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$760.00} A quick XXXX search reveals that this is a go XXXX  family race track XXXX XXXX XXXXXXXX I have never been to XXXX XXXX. 

The third charge was this Debit Card Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX in the amount of {$41.00} I have never made a purchase from them before
Product: Credit reporting or other personal consumer reports

I am contacting to request removal if unauthorized/fraudlent inquires from my transunion credit report. 
My personal information was shared with a scammer a while ago my personal information was compromised. I have no knowledge of these inquires and want to have these removed under consumer protection. Kindly work on my report and fix it by removing false information. 


I have attached injury and their dates below. Remove these XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX Again I request you to remove these unauthorized/fraudlent inquires. I expect transunion complete this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XX/XX/XXXXto the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, XXXX then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
Bull City Financial Solutions is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging their Accuracy and Integrity but with no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Product: Credit reporting or other personal consumer reports

Remove the following account from my credit report due to false and misleading information. XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting the wrong information such as the balance and account activity. I have included the response letter from the original creditor stating that the balance activity was last updated in XXXX, but you are reporting activity in XXXX. The payment information is also inconsistent between all 3 credit bureaus. This is a violation of the FCRA. Lastly, this account has been re-aged and is past the statute of limitations in the state of Texas. This debt has been uncollectible since XXXX. This account is to be removed from my credit report within 7 days of receipt of this complaint or I will move forward with my intent to sue. Please be aware that this is not a third party, and I am standing firm in my belief that your company is furnishing incorrect information causing harm to me as a consumer.
Product: Credit card or prepaid card

I have had a Capital One Platinum card since XX/XX/XXXX. In XX/XX/XXXX, I applied for and received a Capital One Quicksilver card. Beginning in XX/XX/XXXX, the Quicksilver card information was stolen and I was forced to request a replacement. Over the course of the following four months, it was stolen an additional six times, on one notable occasion while the card was still in the mail on the way to me, before it had been activated. If possible, I would like the damage to my credit rating incurred by this incident repaired, and my ability to secure a card with a more reliable, competent credit provider restored. 

Sequence of events as follows : XXXX XXXX - XX/XX/XXXX {$54.00} of fraudulent charges across 5 instances and 3 vendors. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$17.00} of fraudulent charges across 2 instances and 2 vendors. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$16.00} of fraudulent charges, 1 instance. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$540.00} of fraudulent charges, 1 instance. Capital One provided a purchase adjustment then closed not only this account, but my other account which did not have chain-theft problems as well.

3 other instances of card theft occurred but were caught before charges posted, and are not displayed in my account history. Business and websites that fraudulent charges were made to as well as exact dates are available on request.

Capital One was able to provide no insight or assistance as to how the thefts were happening so frequently or quickly, but having a card stolen before I had even received it leads me to believe that the problem was on their end, not mine.

While Capital One has been willing to reverse the fraudulent charges incurred on my account, they recently cancelled both my Quicksilver and my Platinum cards without explanation or warning, and the hit to my credit rating has caused me to be rejected when applying for a new card elsewhere. While I certainly will not be providing Capital One with my business in the future, the inability to seek a new, more competent credit company is causing me considerable difficulty. Any assistance with credit rating repair and ability to acquire a card with a less compromised credit provider would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. My XXXX  credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with XXXX, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.