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

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

On XXXX XXXX I personally wrote a certified letter to XXXX XXXX XXXX XXXX, informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. XXXX XXXX XXXX XXXX, has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
Product: Credit reporting or other personal consumer reports

Asked them for a detailed description of their investigation and how they verified accounts. And they never complied.
Product: Checking or savings account

From XXXX XXXX XXXX I realized 6 international transactions pending from the following merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I immediately searched the merchants and all of them dont even have a website. 

I filed a claim on XX/XX/XXXX ( # XXXX ) stating these were not authorized by me and reported as fraud. 

On XX/XX/XXXX I see that my claim has been closed and declined for all XXXX transactions totaling {$1300.00}. 

I want to know how these merchants with no website / business to the name are able to take money out of my account without my authorization. And my claim being denied.
Product: Credit card or prepaid card

I received an offer from XXXX that if I opened a gold credit card with them and I spent XXXX XXXX during the first 3 months of account opening, they would give me XXXX in points. I spent the {$2000.00} on the first week of opening the credit card and already paid it off. 
I do understand that points are available once your first statement is generated since thats how all my other credit cards work. 
I opened this credit card approximately on XXXX XXXX and my statement closed on XXXX XXXX so I called and spoke to a representative to ask when I was going to have my points available, and she said I should see them available on the XXXX. Well, today I looked and I never got my points. I called again and now they said that my points were going to be available by XXXX XXXX, I spoke to a supervisor named XXXX and I told her that on the advertisement XXXX sent me to open the credit card they never point out that it would take that long to receive the points it just says after spending XXXX in purchases She said she was going ro file a complaint but there eas nothing she could do ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Executive officer XXXX XXXX has refused report to XXXX, XXXX, and TransUnion to CLOSE my trade line to state, that I paid my settlement in full as agreed already.
Product: Credit reporting or other personal consumer reports

DELETE THIS INCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERIFIED PROOF IS DEMONSTRATED PER u. s code 5 U.S.C. 1681 ET Seq. Section 604 of Fair Credit Reporting Act. 

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

Syncb/Amazon has taken a hard inquiry on my credit. I am unaware of applying for any new credit cards, or anything that would allow a company to check my score. I dont know what the inquiry is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I complain and make requests for the permissible permission used to access my credit report on XX/XX/2017 from XXXX XXXX XXXX XXXX ( XXXX  ) and Experian, XXXX automatically labels without even reading This complaint appears to be about the same issues as your earlier complaint. XXXX is Experians client and neither have yet to supply the permissible permission to have accessed my credit report on XX/XX/2017. XXXX  is wrong, doesnt even read the complaints, and wipes their hands clean of this because they are trying to shield themselves from the wrongdoing and liability associated with unlawfully accessing a citizens credit report without permissible permission. Is XXXX a company in XXXX?
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious concern regarding the handling of my recent dispute. It has come to my attention that you have violated my rights by failing to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I submitted a dispute to XXXX regarding XXXX XXXXXXXX XXXX {$1000.00}, XXXXXXXX XXXX {$800.00}, XXXX XXXX XXXX XXXX {$4800.00} and XXXX XXXX {$870.00}. According to the FCRA, upon receiving a dispute, you are obligated to conduct a reasonable investigation within 30 days to verify the accuracy of the disputed information. 
However, I regret to inform you that your investigation was inadequate and failed to fulfill the obligations outlined by the FCRA. I disputed these account and XXXX reported accurate without proper investigation under the 15 U.S.C 16810 Civil Liability for Neglgient Noncompliance Law I must emphasize the significance of this matter, as the accuracy of my credit report directly impacts my financial standing and opportunities. As a consumer, I have the right to expect a fair and thorough investigation of any disputed information. 
Therefore, I kindly request that you take immediate action to rectify this situation. I expect XXXX to conduct a comprehensive investigation into my dispute, ensuring that all necessary steps are taken to verify the accuracy of the disputed item ( s ). Additionally, I urge you to provide me with a detailed report of the investigation 's findings and any actions taken as a result. 
Please be aware that a failure to address this matter appropriately will leave me no choice but to pursue all available legal remedies to protect my rights under the FCRA. I trust that XXXX will take this matter seriously and act promptly to rectify the situation. 
I look forward to a prompt and satisfactory resolution to this dispute. You may contact me at the provided phone number or email address should you require any additional information or clarification. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was paying on a loan to a credit union called XXXX until last year when we had a death in the family and a significant loss of income. I was unable to make the payment for several months and then it was transferred to a company called XXXX XXXX. Then I began having calls from a company called XXXXXXXX XXXX XXXXXXXX working for a XXXX to collect on the debt. They call me and every member of my family repeatedly until someone answers and then they will not take no for an answer. I believe this qualifies as harassment and I want it to stop. I also want them to provide documentation that they are authorized to collect on the debt but I have never given that authorization to them. This could be fraud as the account has changed hands so many times and they have not provided the requested documentation. Please help.
Product: Credit reporting or other personal consumer reports

I am writing this review to alert others about an issue I encountered with this company. I recently checked my credit report and was shocked to find two separate inquiries from Comenity Capital/Alphaeon XXXX XXXX both dated on XX/XX/year>XXXX  and XX/XX/year>. 

I have never heard of this company, nor have I ever applied for any products or services with them, nor authorized them to conduct any credit inquiries on my behalf. I am deeply concerned that my personal information may have been used without my permission, which leads me to believe this could be a case of fraud or an error. 

I have already disputed these inquiries with the credit bureaus, but I wanted to share my experience here to warn others who might also be affected or unknowingly have their information compromised. 

I would advise anyone who comes across this company on their credit report to investigate the matter carefully. I would also appreciate it if Comenity Capital/Alphaeon XXXX could clarify why these inquiries were made and how my personal information ended up in their hands.

For anyone considering doing business with this company, please proceed with caution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was a victim of identity theft/ fraud. My payroll check was illegally forged and CASHED at a Wells Fargo Bank. I currently have an account with Wells Fargo Dealer Services and incurred a 30 day late on my credit XX/XX/XXXX due to the fraud that was committed against me IN XX/XX/XXXX, leaving me with no means to make my payment on time with Wells Fargo Dealer Services. The claim and investigation was opened with first bank ; I filled and notarized an Affidavit of Forged endorsement and sent copies to Wells Fargo Dealer Services credit reporting department as proof that I was a victim of fraud and identity theft ; not a negligent customer. I have lost more that XXXX points on my credit due to someone else 's actions that i have no control over. After showing proof Wells Fargo Customer service was rude and did not take the time to understand the seriousness of the matter. As the CFPB is to protect consumers and customers from identity theft and fraud, something needs to be done in this regard because my life is suffering from this.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Improper Handling of Reinvestigation Request Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Transunion regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On XX/XX/year>, I submitted a comprehensive request to Transunion to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, XXXX rejected my request, stating that proper identification was not provided. 
I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of XXXX. Enclosed with my original request were the following documents : XXXX. A signed and dated dispute letter outlining the inaccuracies on my credit report. 
XXXX. Copies of my credit reports from TransUnion, XXXX, and XXXX highlighting the disputed items. 
XXXX. A copy of my government-issued identification ( driver 's license ). 
XXXX. A copy of my Social Security card. 
XXXX. A recent utility bill verifying my current address. 
XXXX. Any additional supporting documents substantiating my claims. 
I have thoroughly reviewed Transunions guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 
Violations of Law I believe that Transunion 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information.

2. 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that 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: Debt collection

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer back to claim XXXX After XXXX closed XXXX long standing account, they denied me another credit card based on lack of FICO score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain XXXX credit cards, and use pay pal and other electronic paying methods to increase my FICO score. 
Why does FICO have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a CREDIT SCORE. Why doesn't my hhistory of paying all bills in full for years count? And not owing money. WHY DOES THE US GOVERNMENT ALLOW THESE SHARKS TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my ONE investment company and all income and bills, including electronically/auto pay of my ONE credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX card. Which is electronically paid by my XXXX XXXX. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even XXXX cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS FICO AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of sharks and I hate it.
Product: Debt collection

Contacted legal aid and took steps advised for a debt that is not valid and in violation of fair credit act. Sent certified letter asking to please remove the debt as was not valid and requested 30 days to do so. Contacted CBC, Inc.in XXXX, montana and was told that I was refusing to pay the debt so they would mark it as so and hung up on me. 
Contacted legal aid afterwards and was directed to file complaint with your agency as well.
Product: Mortgage

We had a mortgage with XXXX XXXX XXXX, which mortgage was assigned to GreenTree Servicing, LLC. In XXXX 2015, we received calls from GreenTree stating that our payment had increased and we needed to pay an additional {$36.00} per month ; however, no one could explain why the payment was increased. We were told the taxes must have gone up ( we retrieved the real estate tax statement - no increase ). We were told that the homeowner insurance policy was increased ( we called our insurer - our premium went DOWN ). We requested and received the escrow statement from GreenTree. It states that our payment is based on projected figures and states that our payment increased to {$25.00}. On XXXX XXXX, 2015, I was told that we should have paid to avoid the hassle of phone calls and a bad credit report score. On XXXX XXXX, 2015, I faxed a letter to GreenTree requesting that the phone calls cease and that they validate the amount we owe. GreenTree responded by sending us a mortgage default package. Our regular mortgage payment is paid up to date, as it is paid electronically by our bank.
Product: Checking or savings account

I was using the account for my small things swiping at stores for gas! Navy Federal then allowed someone to take control of my account when we both were authorized users Im not understanding how that works at all I havent been able to get correct information on why or nothing. They told me my name was removed for security reasons thats all. I was going by XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Referenced account # XXXX XXXX XXXX USC 1681b. Permissible purposes of consumers reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal grand jury.
Product: Credit card

I applied the XXXX credit card on XX/XX/XXXX and the the policy described that I could earn XXXX Membership Rewards points after making {$3000.00} in purchase in my first 3 months. I had met the requirements ( spending at least {$4000.00} except the annual fee ) and obtained the XXXX Membership Rewards points one month ago, however, XXXX closed my XXXX credit card account on XXXX which I want to keep open and removed my XXXX Membership Rewards points on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX Act. # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Conserve collection popped up on my credit report early  XXXX . I tried calling the company but could n't discuss the account with anyone as they claimed they could n't discuss the account with me unless I verified my social, I refused to verify my social because I gave them an account number and according to FCRA rules that is the only information necessary when consumer are asking about an alleged debt. The representative go on to repeat my birthday, which was inaccurate and kept trying to get me to give her my social. I kept repeating I needed proof of the debt baring my signature and the representative kept asking for my social. I asked fo r a manager because absolutely NOTHING about this debt for conserve has come to my house. The manager infor ms me the original debt is through  XXXX  University. I explained I had gone through this with  XXXX  before in court and it was proven the debt was n't fine as I 've never attending  XXXX  and they  XXXX  and closed out my account with them. I informed Conserve they purchased a bad debt as I never owed the original creditor for them to sell the account, the manager then told me they needed to recover their money and tried to negotiate a settlement. At that point I asked again for proof with my signature that I owed Conserve ( as they are reporting  it ) & n ot  XXXX  ( whom it has been proven I do n't owe in court ). The manager then hung up in my face. I sent a request in writing for proof that I owed Conserve and received a bill for   XXXX    not anything with my signature confirming I owe Conserve! They just placed this debt on my credit without giving me the opportunity to defend myself nor do they have proof to that their reporting is legal in accordance to FCRA rules. Since they do n't have my signature showing I owe them please delete it from all reporting agencies.