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

Guys I am in panic because I found fake accounts in my credit report. That's crazy and I am very stressed out because these account are not mine. I filed a report as I become a victim of identity theft and I can not understand what to do in this case however I heard that I can ask you to remove these accounts from my credit report. These items are just killing my report and I can not move on in my life. Its very sad situation. Please apply investigation and figure put who did it to me.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Sec. 602 states I have the right to privacy 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account without my written permission 15 U.S.C. 1681 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Product: Debt collection

Disputed the collection with millennium financial group on an account they purchased from XXXX XXXX XXXX which was a family based group with XXXX 's XXXX XXXX which closed down for fraud since 2014. No verification of debt amount not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

After researching my state treasurers website I found that neither Experian, nor XXXXXXXX XXXX  and XXXX XXXX  are NOT legally licensed in the State of Texas to operate as a debt collector or reporter. I have reported the above listed companies to the Texas State Treasury XXXX Department. 

The following must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency block information appearing on my consumer credit report that is the result of Identify and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal credit card account opened at XXXX on XXXX, XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX. A auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. A collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX. A finance account opened at XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of Identity Theft and Fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS XXXX XXXX XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXXXXXX XXXX, OR CAPITAL ONE AUTO FINANCE. THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT.

SECONDLY, I DID NOT AUTHORIZE XXXX  OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.
Product: Student loan

My federal loans were forgiven and in the process of being refunded due to school misconduct. I applied for a private loan miscount form but it was denied. I do not understand how legally the school has been found to have committed fraud, my federals have been legally found to require refunding yet my private loan for the same school during the same enrollment for the same degree do not qualify. This complaint is final attempt before contacting a lawyer to start my own individual lawsuit. I have made this clear with Navient. They still deemed my loans non-refundable because they have been repaid in full.
Product: Debt collection

I purchased a water filtration system for my home ( XXXX XXXX XXXX ). The company has it listed as a home improvement loan and it is appearing as a small mortgage and preventing me from purchasing a second home. I have taken out home improvement loans before with XXXX XXXX and it appears as a " loan '' with XXXX XXXX. I provided the original contract to XXXX and requested that the category be changed to loan or credit and was told on XX/XX/year> they have contacted the company and verified it to be true and they will not change the category it is listed under despite having the original contract showing is as a water filtration system. 
I was instructed to contact the company and request they change there description of the loan type. The company will not do that. 
I want the category to change from a mortgage type to a regular loan. I do not have XXXX mortgages as it is appearing.
Product: Credit reporting or other personal consumer reports

All three credit bureaus have addresses that i dont or have never lived at on the reports. I also see inquiries on the repotrs im not aware of. I've been a victim of idenity theif as well. Also XXXX months ago my credit score dropped XXXX points from each bureaus and when i called to see what was going on I was told to call the companies that's on my report. when i called i was told they haven't reported anything bad towards me and that i should call the credit bureaus back. I called them back and i was told they don't have the information to help me.
Product: Debt collection

XXXX XXXX, 2015 I sent a validation letter. I have not heard back from them nor have they noted on my credit report that I am disputing these charges.
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated a transfer of 13,000 points from my Chase XXXX XXXX account to my XXXX XXXX XXXX account ( email confirmation from Chase  attached ). My XXXX account is preloaded in my Chase account since I have conducted transfers of points from this exact Chase to this exact XXXX account many times in the past. Those prior transfers always went through instantaneously. This time, the transfer did not go through instantaneously. The points disappeared from my Chase XXXX XXXX  account ( screenshot of Chase account attached showing this ), but did not show up in my XXXX account ( screenshot of XXXX account attached showing this ). After 17 days, the points still had not shown up in my XXXX account. On XX/XX/XXXX, I called up Chase, which transferred me to their marketing team. The customer service representative was genuinely apologetic and promised me his team was looking into it and would follow up with XXXX to resolve the issue by either ensuring the points were returned to my Chase account or showed up in my XXXX account. On XX/XX/XXXX, Chase sent me a letter ( attached ) totally ignoring the matter at hand -- that these points disappeared into thin air -- and instead the letter simply stated that the points could not be returned to my Chase account. I immediately called Chase again on XX/XX/XXXX, and the customer service agent was again deeply apologetic, said that she understood my immense frustration that the issue had not been resolved and that the letter I received did not address the issue at hand, and she promised me that the issue would be resolved within 10 working days. On XX/XX/XXXX, after 18 more days in which I received no communication from Chase, I called up Chase again and was transferred again to their marketing team. The customer service agent said that she could see no information that I had ever called Chase on XX/XX/XXXX, and she could find no evidence that anyone in Chase had ever tried to resolve the problem, despite one month having passed since my first phone call to Chase about this, and despite a follow up call on XX/XX/XXXX. She was deeply, deeply apologetic, and she elevated the issue to her supervisor and promised me that a team was already working to resolve it. I asked her how I could believe her when twice already I had been told the issue would be resolved, and she promised me that within 10 days I would, without a doubt, get a letter from Chase resolving this mystery of the disappeared points. That was 35 days ago. Chase never followed up with me, and the points are still missing. Truly a horrific way to treat a customer. All evidence is attached.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPGRADE INC XXXX XXXX XXXX  is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPGRADE INC XXXX XXXX XXXX  is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card or prepaid card

My Chase Sapphire Credit card was charged with a fraudulent transaction. As someone used it to rent a car from XXXX. I had contacted XXXX multiple times and they are not responding to my requests either. My credit card was charged approx. $ XXXX for a rental car charge which I did not rent at all. I have asked chase multiple times to dispute this charge but they are not listening to me instead they are asking me to pay this amount. I am not sure what other options I have as I never charged or use this card for such transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 


See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Thank you in advance for your prompt attention to this matter. 

I have information on my reports that are outdated and I believe they are affecting my credit negatively. 

I no longer live at XXXX XXXX XXXX XXXX, XXXX NC XXXX Nor do I live at XXXX XXXX XXXX. 
XXXX NC XXXX I also request that all 3 of my past job history information be removed. As I feel this information is not necessary to be shared. My personal phone no. and address puts me at risk. Please remove. 

My only name and always has only been XXXX XXXX XXXX Thank you! 
XXXX XXXX XXXX
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
First Progress bank Account number XXXX unverifiable account
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, we were looking for apartments and homes and several realtors requested my credit score or looked it up. However, I do not recognize any of the inquiring companies, and it seems odd one of them is located in California while I live in New Jersey. The company info is as follows : Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX The inquiry is from XX/XX/2017. 

XXXX XXXX made two inquiries, one on XX/XX/2017, and the other on XX/XX/2017. Their information is below : XXXX, PA XXXX ( XXXX ) XXXX-XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am being denied of disputing inaccurate information on my credit reports. ( XXXX dispute leters ) Instead the credit bureaus are sending me a letter back telling me to go online and which i have online acounts i have always used and are currently using and they are denying my rights to dispute online and on the phone they are sending me to tect maessages with same information as in the letters they are sending back to me after i mail in first class and certified letters to these credit bureaus. They are in violations of m y rights as a consumer. They are making up this stuff saying that it appears yo not be me trying to correct my credit report with my identi documents attached. 
Under The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C1681. This information and process needs to be processed accordingly. Please Assist me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX
Product: Credit card

A CapitalOne credit card was opened in my name without my knowledge. I received a letter in the mail with the credit card on XX/XX/year>. I froze my credit and am reporting this here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, account number : XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Product: Credit reporting or other personal consumer reports

15 US CODE 1681A TITTLE definitionS RULES OF CONSTRUCTION PARAGRAPH 2 OF THSI TITTLE EXCLUSIONS AND SUB PARAGRAPH A SUBSECTION I STATES THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX with XXXX, Transunion, and XXXX  since XX/XX/2021. XXXX is paid off, but these three credit bureaus have the wrong information reporting with a violations against my FCRA rights. Incorrect balance, balance is paid off but its reporting derogatory account. It also reporting the wrong XXXX. 


I spoke with a representative at XXXX XXXX and they advise me that they sent everything to the credit bureaus for them to update. 

I will attach the documents from XXXX and my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account seems to have been opened in my name as : XXXX XXXX XXXX with Comenity Capital Bank. According to USPS informed delivery I was supposed to receive a letter from Comenity Capital Bank on XX/XX/2023 but that item of mail was removed from my mailbox before I was able to collect it. An image of the missing item of mail is attached I tried to call the Comenity hotline but reception was unintelligible. I believe someone is trying to use my name for the purpose of credit fraud. I have already placed a freeze on my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves all 3 credit Bureaus but especially Equifax who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the Equifax Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!
Product: Checking or savings account

I ordered 3 items from XXXX that were shipped together. Two items in the amount of {$6.00} and one items in the amount of {$270.00}. XXXX issued refunds from the items but stated my bank denied the refund for XXXX. Since XXXX issued a refund, they will no longer assist me. I received an email from USPS stating items were sent back to original sender. I submitted documentation to chime but my dispute claim was denied. This is not ok. I want my money back.
Product: Money transfer, virtual currency, or money service

I call agents about my accounts and money being stolen off my card still havent gotton a call back email or any type of info back about my money being stolen off my card!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. 
XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  XXXX Balance {$11000.00}
Product: Checking or savings account

My social is constant being used it's was reporting from XXXX XXXX so I locked my credit down please fix as soon as possible, I'm a victim of fraud people constantly try to use my information in my email please dispute all allegations that's against me that I did not know of thank you