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

I've reported to the major credit reporting agencies that my identity was compromised and without any physical documentation in which was requested they still mis reporting these unauthorized fraudulent accounts on my credit file. I'm requesting that these accounts are removed immediately and blocked from my files. These accounts shall be removed. 

1. XXXX XXXX {$580.00} 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of ED/ XXXX {$3800.00} 8. Dept of ED/XXXX {$3700.00} 9. Dept of ED/ XXXX {$2200.00} 10. Dept of ED/ XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

I fixed this issue for several times. I sent my dispute letters last XX/XX/XXXX requesting to delete or remove this authorized inquiries but I never received any response from XXXX credit bureaus. I'm so stress to this inquires this is not mine. Please delete it now. Here 's the list of authorized inquires please remove FACTUAL DATA Date of inquiry : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting and I would like to submit my complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance {$17000.00} XXXX XXXX  XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$2400.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX 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 Balance : $ XXXX XXXX XXXX : {$2400.00}.
Product: Credit card or prepaid card

After returning from a vacation in XX/XX/XXXX, I discovered a fraudulent charge of {$39.00} to XXXX  on my Citibank AAdvantage XXXX on XX/XX/XXXX. I disputed the charge and Citibank canceled the old card and issued a new card. After activating the new card, I found another fraudulent charge on the account for {$34.00} to XXXX on XX/XX/XXXX. I disputed that charge and the company initiated an investigation that is still ongoing. The account has been closed completely. The last notice I received from Citibank was dated XX/XX/XXXX. I have received no notices since then and it is difficult if not impossible to contact Citibank by phone or e-mail. I think sufficient time has elapsed for Citibank to resolve this issue.
Product: Credit reporting

XXXX XXXX is reporting XXXX open accounts that are discharged through a bankruptcy i have been trying to resolve this but XXXX XXXX insists that this is the information they are receiving from trans union.
Product: Credit reporting or other personal consumer reports

I would like to dispute off this inaccurate accounts from my credit report. Please see below the following items. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$1400.00} XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$3400.00} XX/XX/XXXX XXXX  XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Vehicle loan or lease

My lease with Hyundai Motor Finance was returned on time on XX/XX/2020 and a confirmation including an apology letter was mailed to me by XXXX. However on XX/XX/2020 HMFUSA reported a 30 and a 60 day late payment resulting in a serious decline of about 100 points on my score. After calling them they confirmed that it was a mistake on their end and advised me that someone should fix this within 7 days. I also opened a dispute with XXXX  on XX/XX/2020. Until today XXXX  has not been updated from HMFUSA.

I started a refinance for my home on XX/XX/2020 and it turns out that I am unable to get the lowest APR due to a low score of XXXX as this time. However as confirmed by multiple loan officers that if my score was more than XXXX I would qualify for the top tier and would save more than {$10000.00} on closing cost plus about 0.7 % lower APR than offered. My score on XXXX  is XXXX as of today because there is no delinquency reported on it, but unfortunately Mortgage companies look at middle number which is XXXX as of today which does not qualify me for top tier. 

I have lost my sleep, my appetite over this. I have called XXXX 4 times so far, crying in front of them but they don't seem to care. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AUTOMOTIVE FINANCE C Inquiry : XXXX. XXXX, XXXX, XXXX/XXXX  Inquiry : XXXX XXXX, XXXX, JPMCB CARD SERVICES Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My telephone service provider claims they were sent a letter from the credit bureau that my address was incorrect and that they need to change my address.

1. My telephone service provider is refusing to give me a copy of said letter 2. No letter or correspondence of this nature ( address verification ) was ever submitted to me on behalf of the credit bureau.

3. Credit bureau keeps removing freezing and locks on my credit account without my permission or notification.

4. Credit bureau will not investigate claims submission to remove incorrect information.

5. Credit Bureau will not provide accurate information on my credit report 6. Credit bureau automated systems states information about me that is not being listed on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1..This account is not mine, I am a victim of identity theft. Please remove it form my credit report XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

I have ( 4 ) inquiries on my credit report that I did not authorize. 

Company : XXXX XXXX XXXX via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXX XXXX  Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.
Product: Checking or savings account

On XX/XX/XXXX I notified chase of suspicious activity with my accounts. There was a new checking account I had never opened. There was also a strange email address associated to my accounts. When I called chase they told me they were canceling that account and restricting my accounts. On XX/XX/XXXX, {$24000.00} had been withdrawn out of my savings. This happened in XXXX New York. I live in XXXX. I also learned that chase mailed out a debit card to an address in New York when they are fully aware that I have lived in XXXX for the past 32 years. I have called them to file numerous complaints and to get my funds back but they keep closing my claims and not providing me with reasoning or updates. This has been the most stressful month it has even affected my performance at work, my mental health and not to mention I have had serious financial problems due to this.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I notice accounts in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate XXXX and XXXX, they are strictly in violation of 15 U.S Code 1601b verbatim in its entirety. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS SHOWING ME LATE FOR A TRUCK THAT I PAID OFF AND HAVE TITLE TO THE TRUCK. THEY SENT LETTER ME SAYING THEY WOULD NOT SHOW DELINQUENT HOWEVER THEY REPORTED DELINQUENT TO CREDIT AGENCIES BY MISTAKE. XXXX XXXX HAS NOT HELP TO CORRECT THIS PROBLEM THEY MADE. IT HAS IMOACT OM MY CREDIT SCORE. 
CAN YOU PLEASE HELP ME HAVE THEM CORRECT THIS AS I HAVE NEVER BEEN DELINQUENT. THANKS SINCERELY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX I spend of 25 hours writing letters and dispute forms on line with XXXX regard the address on my account was incorrect until after my credit report was marked late 30 days past due. I have spend over 10 hours on phone calls with all their levels of management and customer services departments. one of their customer services rep with their ODOC code XXXX documented the account thoroughly with notes on my account date XX/XX/2018 after speaking with the financial institution 's back in executive team in witch has gone no wear. the representative made it clear that after further and detailed review she requested in her notes to remove the 30day mark from my credit report. The financial institution has no regard or department that handles credit reporting issues and should be looked into further. XXXX account number is XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification that my credit was ran by XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. A hard inquiry appeared on my credit report. I did not authorize them to access my credit. I had completed preliminary steps to inquire about a mortgage application with XXXX XXXX XXXX XXXX ID : XXXX, asking about the steps, interest rates, types of loans offered, but did not authorize them to run my credit and I made that very clear. I explained that I did not want my credit accessed until we were ready to move forward and ready to build. Without my consent my credit was in ran. Resulting in a hard inquiry on my credit report. I contacted the company at ( XXXX ) XXXX. They refused to do anything and gave me the run around. I also contacted XXXX XXXX XXXX and they were unable to help either. The loan XXXX XXXX XXXX explained that it was his mistake and he thought we were ready to go to closing. I get mistakes happen, and I dont think XXXX is a bad guy, but mistakes can not happen when people need to keep their credit scores high to qualify for mortgages. A hard inquiry stays on your report for XXXX years, and I explained multiple times to XXXX XXXX that we were not ready to have our report ran which he reassured would not happen until we found a property and were ready to close. This needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I called Truist on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  and spoke to customer service and advised them payments were being reported late negatively affecting my credit report.

The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with Truist XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. 

After speaking with Truist customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. 

Truist is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Product: Mortgage

The select portfolio servicing company has an online communication for participating vendors that I do not have an escrow account. This Is false, and it has been 10 days since calling and it has not changed yet. Furthermore my new carrier wants the initial payment and the administrator of my escrow account has yet to submit funds.
Product: Credit reporting or other personal consumer reports

Documentation was sent to Equifax to remove the 120+ late day posted in XX/XX/XXXX. At that time I was on the SAVE program and was not required to make any payments. Also my student ; oans were forgiven in XXXX of XXXX by the government so there should have been no late payments posted to equifax at all and they will not remove them immediately
Product: Debt collection

On XX/XX/21 me and my husband paid off a collection debt with the company IQ data. We were sent a copy of the agreement to our personal emails. stating that this company will send a request for deletion to all 3 credit bureaus. When paid in full. We paid {$1200.00} to the company as our agreement with them. My husband had the information deleted from all 3 credit bureaus, but remained on my report this was a joint account.
Product: Mortgage

I AM A DISABLE MIDDLE CLASS WORKING US CITIZEN. I AM A FRONTLINE WORKER WHO IS WORKING WITH A DIS ABILITY. I MADE AN MISTAKE ON MY LOSS AND PROFITS STATEMENTS. I REACH OUT TO LENDER AND I WAS TOLD THAT THEY COULDNT GIVE THE UNDERWRITER THE CORRECTED LOSS AND PROFIT STATEMENTS WITH MY LETTER OF EXPLANATION. WHY WAS I TOLD THE APPLICATION HAD TO BE DENIED FIRST BEFORE THEY CORRECTED ON THEIR END. I QUALIFY FOR A PROGRAM BASED ON MY INCOME FOR MY BUSINESS. I AM BEING DISCRAMNATED BY THIS COMPANY. THEY WANT MY HOUSE AND I PRAY I LOOSE IT. I AM ONLY ASKING FOR THE LENDER TO ACCEPT MY CORRECTED LOSS AND PROFITS STATEMENTS BEFORE MAKING A DECISION. I PRAY FOR RELIEF!!!
Product: Debt collection

I am filing a complaint Cause there has been someone using my identity as a result of identity theft. I filed a police report and then Pheonix Financial has started reporting this account after my report. 

It is showing the account numbers as XXXX and XXXX. I have never been to the facility is shows nor have I ever beeb medically attended by anyone. The debt is showing the facility is in Florida and I live in Massachusetts
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXXXXXX XXXX ( 2 Accounts with them ) Account Number that shown XXXX Account 1 Opened XX/XX/XXXX and amount is {$470.00} Account 2 Opened XX/XX/XXXX and amount is {$1000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Product: Credit card or prepaid card

This is my old complaint # XXXX, I was emailed by Aspire that I will get prorated annual fee refund and the positive balance I had on the card total about {$92.00}, well I was told I would receive a check in the mail within XXXX business days, 17 days had gone by no sign of a refund. Please help
Product: Credit reporting

In XXXX of 2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

I have attached a few of these statements that I mentioned. Note the dates and what I " owed ''. You can see, how confusing this was. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.
Product: Debt collection

Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX XXXX XXXX   were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, XXXX XXXX are trying to collect the 'non ' debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I wrote a certified letter to I C system asking them to validate the debt with an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original contract in question. I haven't had XXXX XXXX in the past 10 years. This company is engaging in re aging debt that has been lawfully removed from my credit due to statutes of limitation. The letter was returned to sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists. 
I Have Addressed This Situation Multiple Times Of Unverified Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation # 1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation # 2 Also The Law Fcra Section 611 Part ( A ) ( 1 ) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation # 3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On XX/XX/1997, Filed ( D.C. No 95-Cv-01743 ). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS CREDIT BEAURUS ( UNDER CFPB )
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX