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

I received an email to inform me of my new XXXX card was to arrive. When it arrived, I thought it was odd because my expiration date wasn't until XX/XX/year> and the new card had all the same info. While viewing my card, I noticed the name XXXX XXXX on the card. I called and was told that this person was added as an authorized user and her address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX had been added as a mailing address. I immediately had this corrected and card shut down. I also changed my user name and password and have been monitoring my account for false charges. 
I also received a report from XXXXXXXX XXXX monitoring showing on the above address reflected as one of my addresses. They also were notified.
Product: Credit reporting or other personal consumer reports

i have been in XXXX XXXX since XXXX of XXXX and released on XXXX of XXXX, upon checking my credit report, i have realized that someone has been using my identity using my personal information to obtain goods and services using my personal information
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number 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 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

Unable to reconnect my checking account to my XXXX  account. Previously had access but recently had to reset password. Now unable to reconnect
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX ),
Product: Credit reporting or other personal consumer reports

ChexSystems , Inc. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information in Consumer File Dear ChexSystems Team, I am writing to formally dispute the inaccurate information being reported on my consumer file regarding my account at XXXXXXXX XXXX  The details of my account are as follows : **Account Holder : ** XXXX XXXX XXXXBank Name : ** XXXXXXXX XXXX XXXXAccount Number : ** XXXX This inaccurate reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable laws.

Under 15 U.S.C. 1681a, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of this system. The inaccuracies present in my consumer report violate 15 U.S.C. 1681s-2, which prohibits the furnishing of information with actual knowledge of errors. This information undermines the integrity of the banking system and harms my financial standing. 

Therefore, I demand that your organization take the following actions : 1. **Cease and Desist Communications : ** Under 15 U.S.C. 1692c, I formally request that ChexSystems cease and desist all communications regarding this matter, including through my consumer reports.

2. **Correct the Information : ** Investigate and rectify any inaccurate information reported regarding my account.

Any continued communication or reporting of inaccurate information will be deemed a violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) and may result in civil action against your organization. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation.

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I have indetified accounts on my credit reoort that was opened without my knowledge or consent, Ive attached My FTC credit report for your reference.
Product: Student loan

I submitted a written request to Nelnet for information on how to enroll in automatic payments at $ XXXX. Months later, on XXXX, they replied to my request, but they didn't include any of the information I requested. I replied to them again, reiterating my request. On XXXX, they replied to me, once again without any information on how to address my concern.
Product: Debt collection

Tried multiple times to explain that I paid a dept that wasn't mine
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is bank fraud a scam with XXXX XXXX XXXX I have discovered at XXXX and now I understand why since I started with XXXX XXXX XXXX in XXXX the tellers have always ask me so I have XXXX accounts and why XXXX XXXXXXXX XXXX XXXX XXXX XXXX representative told me she sent an claim packet to XXXX XXXX XXXX and I were rejected that packet by your general counsel and she laughed it off. My over 20 years of missing XXXX benefits are there clearly a fraudulent underpayment that on XX/XX/XXXX after my XXXX XXXX XXXX XXXX XXXX told me a large sum of money is coming into my account. On XX/XX/XXXX I stop receiving my XXXX checks on the XXXX of the month and only the third and tonight as I checked me account XXXX and stated it has XXXX in my account but that XXXX came in on XX/XX/XXXX this is a bank fraud scam. Where is the XXXX at?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 all 3 major credit bureaus received a dispute from me in regards to Quick Credit I requested validation not verification. I requested : 1. Documents from Quick Credit/XXXX  bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from Quick Credit/XXXX  . 
3. Provide the amount of claimed debt, a true bill ; 4. Explain and show me how Quick Credit/XXXX  calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay Quick Credit/XXXX  what is claimed that I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove Quick Credit/XXXX  are HOLDERS IN DUE COURSE ; 8. Prove the Statute of Limitations has NOT expired on this account ; 9. Prove Quick Credit/XXXX  is licensed to collect in South Carolina ; 10. If the claimed debt was sold ; provide the accounting in accordance with G.A.A.P. 
furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt. SHOW PROOF! 
11. Provide the tax exemption for Account Number ( s ) XXXX ; the accounting and copies of ALL I.R.S. 1099 tax forms.

Quick Credit failed to respond to my Validation Notice. 2 ( two ) Validation Notices are attached along with current account information. Quick credit ignored my Validation Notice and my disputes via the credit bureaus and are currently updating my credit profile with unverified account information. Quick Credit are not Holders In Due Course.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a hard credit inquiry was put on my XXXX XXXX credit report. On XXXX XXXX XXXX XXXX XXXX, this is listed as : SYNCHRONY FINANCIAL ( Finance ) In XXXX XXXX 

On XXXX XXXX website, it is listed as : SYNCHRONY FINANCIAL XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted Synchrony Bank by both web chat and phone. They could not find any new applications that would cause this inquiry, for my SSN. Synchronys recommendation was to contact XXXX XXXX, to find what the exact type of account, because Synchrony can not investigate the situation without the full information. 

I contacted XXXX XXXX, and they told me the hard inquiry can not be removed from my account without both me and Synchrony bank postal mailing XXXX XXXX the proper documentation to have this removed. I told the XXXX XXXX rep that Synchrony could not find anything and could not investigate without further information. The XXXX XXXX rep said, We can't disclose these kind of information 's since this inquiry has raised from their side we need a letter of authorization from their side in order for us to remove from the report. 

This may have been a potentially fraudulent account application at worst and an annoying ding to my credit score at the least. I had no part in this making its way onto my credit report and neither XXXX XXXX XXXX Synchrony Bank seem to be willing to help me with the situation. Slow walking and stone walling this process is not acceptable. 

I contacted XXXX and they told me exactly what I needed to tell Synchrony to dispute this as fraudulent. I called Synchrony Bank back and read them exactly what I was told to say. They looked it up with my SSN and transferred me to the Lowes Commercial department. They couldnt give me any further information, and suggested I contact XXXX XXXX. 

At this point, Im really not sure how to proceed, since neither is willing to give me any information or help in the slightest. Anyone have an idea on how to go about resolving this situation? 

Note : The inquiry is showing up as XX/XX/2022 on XXXX XXXX and XXXX XXXX. It is showing up as found on XX/XX/2022 on XXXX. I can not currently log back into XXXX XXXX to get the documentation directly from their site.
Product: Credit card or prepaid card

This is the last info on the J P Morgan- credit card that Fema and Home Land Security gave me. The auto recording that J P Morgan had on said that I owed them XXXX I only had XXXX so I gave the JP Morgan Bank- back in XX/XX/2018- thinking that these apartments that I stayed in had not been paid, I did talk to the apartments in XXXX Fl- they use XXXX and they informed me that they were paid in full, then the auto machine came up with a XXXX credit for me, I said I do not need a credit, and the staff member said that they would send me the XXXX. It never came JP Morgan sent XXXX instead and my bank took back the XXXX that was in the credit file for me for nothing, so that is {$4700.00} and I am closing this case now, and JP Morgan has XXXX in my credit file, and I hope they send me that also. 

Thank you CFPB for all your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved forcolsure notices on XXXX from Amerihome and the foreclosure process was set out to start on XXXX but we sold our house and paid off AmeriHome on XX/XX/2020. 
AmeriHome is reporting on our credit report that we have a foreclosure and it is prohibiting us from buying a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DBA XXXX XXXX auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by XXXX DBA XXXX XXXX by phone asking if we wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from XXXX DBA XXXX XXXX that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted XXXX DBA XXXX XXXX and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that XXXX DBA XXXX XXXX stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. XXXX XXXX issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX, TransUnion, XXXX  and XXXX but XXXX DBA XXXX XXXX has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by XXXX DBA XXXX XXXX. I have personally contacted all 4 Credit Reporting Agencies and learned that XXXX has done nothing to remedy this situation.
Product: Credit reporting or other personal consumer reports

Hi, I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my overall mental well-being and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX.