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

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit card or prepaid card

Dispute # : XXXX On XX/XX/XXXX I made an online purchase for {$1000.00} from XXXX - reclining sofa, and paid the purchase with my Citi credit card. The merchant made 2 delivery attempts. Both times I refused to take the sofa because it was damaged. After repairs third delivery attempt was not made. I was not able to make any arrangements to get refunded from the merchant. Then disputed with Citibank on XX/XX/XXXX. I received several letters from the bank to provide additional information and I replied to all of them, including pictures of the damages and copies of the delivery documents. Then Citibank closed the dispute in the merchant 's favor despite I dont have the item nor refund. I am very aggravated because Citibank is conducting their investigations careless and they are not protecting their customers. Contacted their executive management team but the answer was the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX , XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 3 unauthorized / fraudulent inquiries which are from XXXX XXXX XXXX / XXXX XXXX. i do have a XXXX XXXXXXXX account but some one else tried to apply for another XXXX XXXX card with out my permission. I have reported all incidents to local and federal authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify a debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation that an alleged debt owed by me in the amount of {$440.00} be verified by XXXX XXXX XXXX. According to the FCRA section 609 ( a ) ( 1 ) ( A ) they are required to verify through the physical verification of an original signed consumer contract but have continually failed to do so. The credit agencies in turn have allowed this account to be verified as accurate without providing the documentation that has been requested or even giving their method of verification which I have requested numerous times.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries XXXX 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, credit repair services, or other personal consumer reports

There is inaccurate information on my Transunion credit report that has been reporting negatively for over 7 years. This account was charged-off XX/XX/XXXX ( attachment of charge-off included ) but it is stated to remain on my credit report until XX/XX/XXXX, which is 7 years and 4 months from the date of charge-off. 

The last payment made on this account was XX/XX/XXXX and it should have been removed from my consumer report by XX/XX/XXXX. Even 7 years from the date of charge-off, this item should be removed no later than XX/XX/XXXX. This account has also been re-aged several times. 

Transunion stated that they reinvestigated this account and the information was verified as accurate, but this is impossible since it exceeds the 7 years of delinquency allowed by the Fair Credit Reporting Act, which also states 100 % accuracy.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Immediate Removal of Unverified Charge-Off Account from Credit Report Dear CFPB Representative, I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : XXXX Account Number : XXXX Status : Charged off with a balance of {$1500.00} ( now reporting {$0.00} balance ) On XX/XX/2025, I sent a certified mail request to XXXX, requesting a copy of the 1099-C Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required 30-day timeframe.

Reason for Immediate Removal : 1. Failure to Provide Required Documentation : The creditor has not supplied a 1099-C form, which would indicate that the debt was canceled and should no longer be reported. 
2. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within 30 days of my certified request, continued reporting of this charge-off is unlawful and must be corrected.

3. Failure to Report Correctly : If a 1099-C was issued, the account should be marked as canceled with a {$0.00} balance. If no 1099-C was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.
Product: Credit card or prepaid card

XXXX XXXX Consumer/living soul XXXX XXXX XXXX XXXX GA XXXX XXXX Office of the comptroller of the currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear XXXX XXXX XXXX I am writing this communication to inform you about capital one bad and deceptive business practices. Capital, one has decided to take on adverse action/discriminate against me Capital, one has violated my consumer rights over on alleged debt I have sent cease & desist, validation of debt, condition of acceptance, and a billing error. capital one has not comply with any of my letter capital one has not replied to any of my communications. instead, capital one has decided to ruin my life by furnishing negative items on my consumer report. 
Pursuant to 15 usc 1681a2a ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report ( ii ) communication of that information among person related by common ownership or affiliated ( iii ) communication of other information among person related By common ownership or affiliated by corporate control, if its clear and conspicuously disclose to the consumer that the information may be communicated among such person and the consumer is given the opportunity before the time that the information is initially communication to direct that such information not be communicated among such person.

Pursuant to 15 usc 1666d treatment of credit balances Pursuant to 15 usc 1666h offset of cardholders indebtedness by issuer of credit with funds deposited with issuer by cardholder ; remedies of creditor under state law not affected Pursuant to 15 usc 1666i-1limits on interstate, fee, and finance charge increases applicable to outstanding balances Pursuant to 15 usc 1601 Informed use of credit These are all violation of my consumer rights and federal laws Am seeking remedy in zero the balance out, an open-end credit line, every month its zeroed out and reup, stop reporting to all reporting agencies cease all collection activities remove all negative furnishing from all reporting agencies and refund of all payment made to the account yours truly
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX  Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in regard to the information on my credit files. 
Fraudulent applications were submitted under my name and/or my identity without my consent to obtain goods or services with my information. The items I need to delete are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report on my credit file. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : 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 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- INSTALLMENT LOAN 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 Honda Financial Services put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.
Product: Debt collection

Date : of emails of debt collection, threats of law suit increase debts and degradation of credit to credit bureaus. 
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( 4 emails ) XX/XX/XXXX By phone : Since XX/XX/XXXX up to now to many calls at different hours early morning and even night, to my phone and even my girlfriend and they gave her false information. Threats to send police, law suits, etc ... 

They started with amounts of {$1500.00} then agreed to half but made if paid in full. 
Made a payment to cancel the account for an amount of {$550.00}, but received a letter stating the debt was canceled for {$450.00} leaving a {$100.00} balance positive. 

Today I received another email from the collector stating I still owe {$590.00}. 

Since COVID19 XXXX Ive not been able to generate income because I can no longer work. 

This was a gym which I stoped attending cause of Health reasons and the contract was until XX/XX/XXXX to my understanding they extended to XX/XX/XXXX. 

The calls come from FL area code XXXX, from TX and PR. 

To my understanding I made an agreement on the account paid over the amount agreed and still now they are coming back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) Ai, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX XXXX XXXX  Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : XXXX XXXX XXXX - Civil Liability for Willful Noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$700.00} ( XXXX XXXX, Equifax XXXX ) I am writing to formally request the deletion of an account listed under my credit report. The account in question has been marked with eOscar dispute code 40, indicating that litigation is involved. As per the regulations and due to the ongoing legal proceedings, I am requesting that this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I asked the consumer credit reporting agencies ( XXXX, XXXX, Transunion ) to please delete inaccurate information on my credit reports. The following dispute hasnt been deleted and came back verified information. According to law 15 USC 1681s-2, you are required to cease furnishing inaccurate information to consumer reporting agencies upon receiving notice of such inaccuracy. I am providing notice that the information that they provided is inaccurate and causing harm! IRS guidelines state that canceled debts should be reported as income not as debt on a consumer report. The definition of canceled debt as income is recognized by the IRS which contradicts the way this account is being reported. 

Accounts XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was alerted by XXXX XXXX that a PayPal /sync credit card was opened in my name ( using a previous last name ) I did not open this account. I called the company and they told me it was a previous last name and a different address but wouldn't tell me that information. They did close the account but it has dropped my credit score XXXX  points! I disputed with XXXX and XXXX and both sent me emails saying that the account had been verified!!!!! Ugh! Obviously someone has my info and I don't know how to fight this. Today I received another notice but the name of the new card is not listed on my credit report yet. I am terrified they are opening any account they can? Please help me
Product: Credit reporting or other personal consumer reports

I ordered my most recent consumer [ credit ] report from XXXX on XX/XX/XXXX, but once received, I became concerned regarding 5 hard inquiries, all of which without permissible purpose ( per 15 U.S.C.,1681e ( b ). Please see attached credit report and letter, as they provide evidence that Transunion has [ knowingly ] been in violation of my consumer rights per FCRA guidelines, for an extended period of time, ultimately affecting my financial health. The following are the hard inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wells Fargo is not abiding by consumer laws, reporting information inaccurately to credit bureaus violating the Truth in Lending Act ( TILA ), 15 USC 1602, and the Fair Credit Billing Act ( FCBA ), 15 USC 1666b. They have been reporting a charge-off to my credit while wrongfully still claiming a debt is owed, which is a clear violation of consumer protection laws. Under these statutes, once an account is charged off, you are prohibited from continuing to assert that the debt is outstanding. The account was charged off and reported by Wells Fargo in XX/XX/year>. Since charging the account off, the company continues to illegally report the account as an outstanding debt with late payments. The inaccuracies was admitted in a letter received from Wells Fargo however the did not remove the reporting due to violating consumer laws. I request immediate correction of my credit report to reflect the removal of the account due to the violations.