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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries I am complaining.
Product: Debt collection

On XX/XX/2018 by wife and I received a letter from Fair Collections & Outsourcing listing a {$4500.00} balance due from XXXX XXXX at XXXX XXXX. On XX/XX/XXXX, our attorney, XXXX XXXX XXXX sent a formal letter to Fair Collections & Outsourcing disputing this debt and requesting the following 1. The amount of the alleged debt 2. The full name and mailing address of the original creditor for this alleged debt 3. Documentation showing that Fair Collections & Outsourcing verified that we are responsible for this debt 4. Documentation showing that Fair Collections & Outsourcing is licenses to collect debts in Virginia. 

Since we had officially disputed this debt within 30 days of being notified by the company, under the Fair Debt Collection Practices Act, Fair Collections & Outsourcing was suppose to cease collection until we received the documents requested above. Instead, they have submitted this collections notice to the three major credit bureaus with major derogatory information.
Product: Vehicle loan or lease

. I have a 5-year auto loan with Credit Acceptance . I opened this account in XXXX for a vehicle ( XXXX XXXX XXXX XXXX ). 
In accordance to the XXXX moratorium that ended in XXXX late fees and interest charges were not supposed to be charged during this period - yet Credit Acceptance continue to collect these fees on this loan. Also, the additional fees they continue to charge are junk fees and makes no sense why these fees are being collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? if you receive documents with my signature, please compare them with my real signature because if you do you will see I did not sign anything related to these accounts.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX 15 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I had an unauthorized payment posted to my mortgage account in XXXX 2015. There were XXXX XXXX XXXX payments posted to my account that month both from my BBVA Compass account : I only authorized XXXX payment. 
The disputed charge is : XXXX {$1100.00} ref # XXXX
Product: Credit card or prepaid card

I closed my American Express ( AmEx ) Platinum card account earlier this year because American Express had failed to deliver on its promise to giving points for a stay at a luxury hotel even though they'd stated multiple times they would. I then later decided to reinstate my account to which they say I could not do that and had to start a full new application ( a process wherein they'd re-check my qualifications/credit from scratch again ) which I was a bit surprised about especially since I've been a member of AmEx in one or another for over 20 years. So I took the hit on my credit again during their re-application process and they stated at the time and repeatedly during follow up conversations with their agents on the phone that because this was a new application that I'd get new membership welcome reward points if I spend a certain amount by a certain date. I got accepted for a new card and proceeded to spend as much as possible on my card ( and was checking periodically along the way with AmEx agents who kept on confirming that I was closer and closer to the goal of getting my welcome reward points ). After reaching the target for getting the signing bonus points, XXXX changed their mind and stated that the signing points bonus were now supposedly only meant for 'brand new ' applicants which they had never never talked about before! I found that reversal both sad, disturbing, and frankly dishonest, especially because multiple AmEx agents had confirmed I'd get those points if I kept on spending and reaching the stated goal. Please also note that my new card does not have the same number as the old one I had so for all intent and purposes I'm a new applicant even from their perspective! As you can tell by my story it's the second time AmEx does not fulfill its part of the deal for a card that's marketed primarily as a reward-type card and for which I pay over {$690.00} a year in membership fee!! Additionally, when I closed my prior card/account I never got the points that were left on that old account but for some reason they don't consider these old points mine and didn't give them back when I open a new card -even though they pretend that I'm not a 'new " applicant. Quite contradictory as you can tell. Thanks in advance for your help and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters on XX/XX/2021 and still haven't received correspondence on results
Product: Mortgage

BSI i called them several times and spoke to a manager also i have written them, BSI stated that they will call me back over month ago no response.

I told them I did not apply from the company and the address in XXXX yes not belongs to me. I live at NJ and works at XXXX NJ.
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/XXXX at XXXX PM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry/Unauthorized Fraudulent Account XXXX : Department of Education XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX, and XX/XX/XXXX. 

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. My name and my identity has been stolen. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 letter. 

Also, XXXX Police Department XXXX Report # XXXX has been filed as well to support this identity theft using my name and social security number without my authorization. 

Thank you for your time and help in this matter. 

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

On XX/XX/ a new hard inquiry appeared on my credit report. I have not authorized or attempted to open a credit card with Capital One Bank XXXX. I attempted to call Capital One XXXX XXXX to inquire about the hard inquiry and they informed me that they were unable to give me any information as they did not have any records with my social security number. 
They then requested that I send a letter stating my concern to : CAPITAL ONE BANK USA XXXX CAPITAL ONE XXXX XXXX, VA XXXX Along with a report with CFPB I then got ahold of XXXX with my concern of an incorrect hard inquiry that was completed without my authorization. They informed me that any concerns would also have to be mailed out to : XXXX info services XXXX XXXX XXXX XXXX XXXX Georgia XXXX Along with a report with CFPB Therefore it appears that everyone is directing me to CFPB. I am unsure of how anyone would've had my information or how I can get it removed from my credit report.
Product: Checking or savings account

Person received 7 bank notices on XX/XX/XXXX that IRA accounts would be turned over to NYS unclaimed properties. The bank is Bank of America. On XX/XX/XXXX visited the bank and signed documents to avoid this from being done. The total IRA accounts equalled {$65000.00}. Upon further review, the IRA accounts had the person 's dad 's social security number on the accounts, although the correct name was on the accounts. The Bank of America investigation then approved the bank to putting the 7 IRA accounts into XXXX unclaimed properties without notifying the person. 
In XX/XX/XXXX two 1099 forms were received from the bank. The 1099 form was for distribution of {$56000.00} & {$9200.00} although the person never received any money. The forms were in the person 's name with the person 's father 's social security number. 
Now the bank states they did nothing wrong and the person should handle the situation with XXXX. There is money lost between XX/XX/XXXX and XX/XX/XXXX. This situation is truly the bank 's responsibility, but they are claiming it's not. How does a IRA account have the wrong ( deceased ) person 's Social Security number on it? The IRAs were all from the person and had nothing to do with the person 's father. 
Have been in touch with 5 different individuals between XX/XX/XXXX to XX/XX/XXXX without a solution for the person to recup the money owed.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for do any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Im requesting to Experian to remove all The negative inaccurate accounts from my credit report and to stop ignoring my disputes or I will sue Experian not only for violations to my credit report but also for discrimination I had been requesting to Experian more than 20 times to remove the next negative inaccurate accounts with proves Experian didnt have send me a single a credit report and they dont want to investigate my disputes sating that they are unable to respond to my request to verify the item This agency is like dictator that violated my consumer credit report and even like that Experian dont want to investigate my disputes Im asking for legal help to sue this ruthless agency As minority I see how Experian wants to decide my own life affecting me from having a better life
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company XXXX XXXX XXXX XXXX XXXXXXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Debt collection

Threatening to contact employer and bank to garnish wages on a debt from 2000
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a call on XXXX from a friend, the call was cut off and I couldn't hear it well, so she told me that it would be better to send a text message through the same platform, in which she told me that I had a problem and that if I could make a shipment through " XXXX '' through my bank account with Bank of America, to which I agreed because I was a very close friend, I made 3 deposits. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  then I managed to communicate with my friend and she told me that her cell phone was stolen and that it was not her who was asking me for the money. As soon as I realized it, I reported it to my bank on XX/XX/XXXX, XXXX fraud a few days later they denied my claim telling me that it was not fraud but a scam and that they do not respond for those types of claims and that they could not recover my money from the other account so my money was lost and there was no way to recover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft and have been working on this for several months. I have been disputing an account on my credit report from a XXXX/XXXX with Equifax and have sent several certified letters. They keep stating that this account has been verified which it cannot be verified when its not mine. i am now to the point of a lawsuit agaist them if its not deleted. Please HelpXXXX XXXX
Product: Debt collection

Someone has my information & tried to use it, and Im worried about identity theft. I Tried serval times to dispute accounts with credit bureau.According sec 15 USC 1681 ( A ) ( 4 ) Consumer right to privacy 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

To who it may concern, I am writing to dispute incorrect late payment information from XXXX XXXX XXXX that is showing on my credit report. Specifically, my account status is listed as current, yet the payment history shows a payment that is 30-59 days late. This contradicts the account status and is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when consumers dispute information on their reports. I am requesting that you immediately investigate this inaccurate late payment posting and delete it from my credit report. 

This erroneous information is damaging my ability to obtain credit and financing. Despite my account with XXXX XXXX XXXX being current, the incorrect late payment history you are reporting has lowered my credit score significantly. I have suffered financial distress due to decreased credit opportunities as a result of this inaccurate information. 

To summarize, I am disputing the 30-59 day late payment you have on file from XXXX XXXXXXXX XXXX  and demanding that you remove this incorrect payment status immediately. Please conduct your investigation and rectify this issue as soon as possible in accordance with FCRA guidelines so that my credit report properly reflects the true status of my account. 

Please let me know when you have completed investigating and resolved this inaccurate information on my credit file. I appreciate your time and cooperation in ensuring the responsible reporting of my credit history. Yo Enclosures : [ ITEM SHOWING CURRENT PAYMENT STATUS YET COMMENT 30-59 DAYS LATE ]
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed incorrect information on my XXXX XXXX account, and as early as today, I submitted my dispute, and they removed only one late. Please help to remove the remaining lates and restore my account to paid as agreed.
Product: Credit card or prepaid card

I have a fraudulent charge on my bankamericard credit card from Bank of America in the amount of {$3800.00} from XXXXXXXX XXXX # XXXX XXXX FL according to Bank of America my claim was denied because I have previous history with the merchant which is not true I need to file a chargeback against this charge or I am going to report this to the federal trade commission as identify theft because my identity was used for this charge and have this credit card remove from my credit profile immediately
Product: Credit reporting or other personal consumer reports

Today 's phishing spam from XXXX : now they are claiming that I need to DO STUFF b/c " Experian reported that a data breach exposed XXXX XXXX private record '' <- that's exact, as they sent it. They recommend I lock my account ( I did that to all three bureass last week, because of all this garbage from XXXX and loanstripe.com ). QUESTION : If Experian really had an issue with a breach of my data, WHY ISN'T THIS EMAIL FROM EXPERIAN?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Capital America account # XXXX .... This account is reporting incorrectly. I have mailed the company a letter that states the account is being reported incorrectly. This account is being reported on my XXXX Report as a charge off. This account should be reported " Included In Bankruptcy '' This company is violating Bankruptcy Laws and the FCRA. I am demanding a deletion.