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

Hi I am submitting this XXXX XXXX without 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 XXXX  n cant provide to my XXXX XXXX  XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I did not consent to them nor asked them to run my credit
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies. 
Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT AND FRAUDULENT INQUIRES : DATE OPENED XXXX FUNDING XXXX XX/XX/XXXX XXXX CRED XXXX XX/XX/XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a credit card with XXXX XXXX and they track my credit score from Trans Union using XXXX XXXX. Between XX/XX/XXXX ( when my score was XXXX ) and XX/XX/XXXX, the score was downgraded to XXXX. 

I discovered this when I applied for a new car loan on XX/XX/ and was informed that my score was XXXX. 
I subsequently got a copy of my credit report from Trans Union and called to find out why my score had dropped. There is no indication as to why this happened on the report.

I called Trans Union and got nothing but a run around as to why they dropped the score. I asked repeatedly for a reason and all I got in reply is that " the computer generated the score '' or " there are many factors that COULD affect the score ''. I was never able to get a definitive answer as to why my score was reduced. I finally asked to speak to a supervisor and eventually was cut off. 

This agency ( as well as the others ) affects the entire population of our country and to get answers like that is disgusting. It seems that the credit reporting agencies are not held accountable for their actions to anyone and I feel that it is time that they are.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I have checked the credit report of Experian and found out the discrepancy between your credit card company record and this credit report company payment history. Even though I paid off all monthly charges of your company, this Experian credit report states I have not paid off. Therefore, I request your company and this Experian will check this discrepancy to clarify the matter for me, especially because this Experian online report has changed content often. Recently, without my consent, the content was changed due to the deletion of record. Also, the account balance of XX/XX/2023 shows the discrepancy, too. 

Sincerely,
Product: Credit card

Hello I was charged {$6.00} for a XXXX purchase that I didn't make in XX/XX/XXXX and XXXX, they reimbursed me for XXXX and did not reimburse me for XXXX. Venmo is suppose to drop this reoccurring charge because I never made it, and XXXX has no idea where the fee is being charged. I continue to make complaints about this and absolutely nothing is being done about it. Why isn't Venmo being held accountable for continuing to allow these fees to be charged. A representative from XXXX tried to figure out where the transaction was coming from and he couldn't find it and he emailed me an email to send to Venmo which I did that states that they can remove the reoccurring fee. Yet they do not. They continue to charge me since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX shows a balance of {$3000.00} for a credit card ending in XXXX. There is a {$0.00} balance on this card. 

Also, Experian XXXX reports XXXX SELF-REPORTED {$180.00} increase. This is the same XXXX  account I had before, just with a LOWER payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX XXXX last four of that card number is XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account name : XXXX XXXX. Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I became aware recently that somebody was using my information to open credit card accounts in my name, without my knowledge or consent... There is 2 accounts, ( XXXX XXXX, opened XX/XX/year>. And XXXX XXXX XXXX, opened XX/XX/year>. ) Both of these accounts were opened fraudulently, by stealing my identity and using it to open credit card accounts. I request these accounts get removed from my credit report, which is my right by law, according to the FAIR CREDIT REPORTING ACT, Section 605 ( b ) .... Please help me fix the damage caused by these people stealing my identity. Thank you. ( FCRA Section 605b, 15 U.S. Code 1681c2 - Block of information resulting from identity theft states that the credit reporting agencies, including you, Equifax, must initiate a Block of all fraudulent information I report to you within 4 business days. I will hold you to the law and demand my legal rights are granted. Any attempt to ignore, disobey, or otherwise not follow the law which is written in the Fair Credit Reporting Act will be reported to any and all proper authorities on the matter. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXXXXXX XXXX, but I never received a response from them. These items must be investigated and updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX Halstedfinan Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Halstedfinan Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

On Wednesday, XX/XX/2024 while at XXXX XXXX in XXXX XXXX, Iowa, my wallet was stolen from the gym locker room. Inside were my debit card, credit card, driver 's license, school ID, health and dental insurance cards, and other important documents. At XXXXXXXX XXXX. that same day, I received a text from Wells Fargo notifying me that my card was being used at XXXX for a charge of {$610.00}. Since I was at the gym during that time and nowhere near XXXX, I immediately searched for my wallet and discovered it was missing. 

I called the police and, while waiting, I contacted Wells Fargo to report the theft. In addition to the XXXX transaction, my card had been used at a gas station for {$30.00}, which I also reported. The police filed my complaint, and a few days later, I was contacted by Detective XXXX XXXX from the XXXX XXXX XXXX XXXX, who was handling my case. He later informed me that the individuals responsible for stealing my wallet had been arrested. 

Wells Fargo processed my claim and temporarily refunded the stolen amount. However, on XXXX XXXX I received a letter stating, We have completed our research into the transactions listed below and found they were authorized or that a processing error did not occur. As a result, on XX/XX/2024, we will deduct the provisional credit of {$610.00} previously provided to you. Please consider your claim closed. 

I immediately called Wells Fargo to explain that I had reported my wallet stolen within minutes of discovering it was missing and had all my accounts closed. A police report was filed, and a case was opened, with the thieves already arrested. I can not understand how Wells Fargo concluded that I authorized these transactions when I have never even met the individuals involved. The police were never able to locate my wallet. I even went to the DOT that following Monday to get a new license. As aXX/XX/XXXX paying for college out of pocket and a loyal customer of over XXXX years, I am deeply disappointed that Wells Fargo is treating me this way.
Product: Debt collection

I have an account with XXXX and I C System is illegally trying to collect on a debt that is covered by the arbitration clause in my service agreement. In violation of the FDCPA, I C System has posted the collection account on my credit report.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX FIN XX/XX/XXXX XXXX AUTO XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela has been reporting information to third parties without my consent. It has ruined my reputation. The law says I have to give written instructions for this information to be furnished but Mohela never got my written instructions, consent or authorization to furnish this information. The late payments on my student loans go against my written instructions. The late payments are an invasion of privacy and something I never opted-in to display on my credit report. Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent to this information being shared.
Product: Credit reporting or other personal consumer reports

I have had my rights violated consistently with XXXX XXXX. The Account # XXXX is listed as a charge-off with the designation Profit and Loss Write-off by Grantor. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), I believe this information is being inaccurately reported. 
If this account was indeed charged off as a profit and loss write-off, I should have received a Form 1099-C from your institution, as required by IRS regulations for reporting the cancellation of debt. However, I HAVE NOT received such a form. This suggests one of the following : The account is being inaccurately reported to the credit bureaus, which is a violation of FCRA Section 623, Or Your institution has failed to report the charge-off correctly to the IRS, which could potentially indicate fraudulent activity. 
Under the FCRA, you are obligated to ensure that all information you report is accurate, complete, and verifiable. If this account is listed as a charge-off in your internal financial records, the information on my credit report must align with the way it is filed with the IRS. Inconsistencies between these records are a clear violation of federal regulations. 
This inaccurate reporting has severely impacted my ability to obtain new credit and caused undue harm to my financial standing
Product: Mortgage

On XX/XX/XXXX I submitted my property tax record showing that the tax exemption for being 100 % disable veteran was in effect. I recieved an automated email stating I would get a response in 7-10 business days. I called Flagstar on the 10th business day when I had not received a response. The individual on the phone told me they would not be running a escrow analysis on my account since it was so close to tax payouts and that the form I submited was not valid because it listed my tax amount a " N/A '' instead of " 0 ''. I called my county office to get a document showing zero and the tax office said they could not produce that. In there system we are exempt from the taxes and that reflects as N/A. I don't know how to get these tax withholdings taken off of my account. I purchased this home in XXXX  and have now spent 6 months battling with the bank to take off the property taxes. Please help.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT INCLUDING THE FOLLOWING Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Debt collection

There were inquires made on my credit report that was not authorized by me. 

XXXX XXXX Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX/XXXX  Date : XX/XX/2020 XXXX   XXXX XXXX  Date : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for an credit report violation. XXXX XXXX violated my rights by reporting inaccuate information. Instead of removing this inaccuracy Transunion listed this as verified, in addition they added XXXX dollars to a balance due. A collection account can not display a past due balance. I do no owe XXXX XXXX, i do not know who they are in addition this collection account is reporting inaccurately. On XX/XX/22 the transunion report showed a balance due of {$220.00}, now after i submitted the dispute it is listed with a past due of {$220.00}. Per the FCRA a collection account should not report a past due and it is the Credit reporting agencies duty to ensure info under my social security number is accurate. A collection account can not report a past due balance.
Product: Debt collection

I had previously file you a report on XX/XX/2023, requesting an investigation into the information being reported on this account. However, I received a response from you stating that the account was verified and there would be no change. Subsequently, I reached out to the creditors for verification of the information but received no response. I repeated my request for verification but still got no response. I have now exhausted all possible means to resolve this matter and demand that the account be deleted from my credit report as it is invalid and unverifiable. According to the Fair Credit Reporting Act, if there is no proof of debt and no verifiable information, then the information can not be reported to or by credit bureaus. Please take the necessary steps to remove the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Consumer Adjustment Company has purchased or been assigned an false/alleged debt without my expressed written consent, and has furnished negative account information to XXXX XXXX XXXX XXXX, and XXXX, causing damage to my personal credit score, name, and character. I am seeking redress to have the entire account deleted from all of my credit reports and to cease and desist all collection activity.