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

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$3300.00} XXXX XXXX {$7900.00} XXXX XXXX {$160.00} XXXX XXXX Code XXXX XXXX Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the XXXX.
Product: Checking or savings account

I have a checking account with Ally Bank and noticed on XX/XX/XXXX a pending transaction of {$2300.00} had been added to my account. As soon as I noticed the charge I immediately called Ally Bank to stop the charge because I did not have anything to do with the transaction as it was for buying a used car in another state. Even though the charge was pending Ally refused to stop the payment. Additionally, they said they needed to let the charge go through in order to initiate a dispute on the transaction. They assured me on the call that the transaction would be reversed as they agreed it was a scam. On XX/XX/XXXX the transaction posted, and I disputed it as explained by the representative. It took a week to get the credit applied to my account. Fast forward to XX/XX/XXXX almost 3 months after the incident, and I receive a notice stating that they have reversed my credit and have the supporting documentation they need from the merchant. As soon as the funds were reversed I reached back out to Ally to figure out what evidence they had regarding the fact that I authorized the transaction. To this date I still have not received those documents. I have proof I was not in the state the transaction occurred on the date it occurred. The fact it took so long and they have been unwilling to provide evidence leads me to believe they ran out of time and didnt actually investigate the transaction. Additionally, they should have stopped the transaction as requested prior to go it going through.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX Balance : {$420.00} 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 writing to express profound dissatisfaction regarding the persistent presence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the company associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following negative items 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 TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since 2019, when I first noticed my student loans inaccurately reported in default, I have written letters with numerous attempts to fix the wrong information on my credit report. They claim to have investigated this account. Now, since the loan servicer XXXX is not in business, how did they investigate with them,? I can't even get in touch with them. This means to me, their investigation is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wanted to remove inquiries from credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Consumer Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Furthermore, I am requesting to investigate all negative items on my consumer report to ensure their accuracy and compliance with federal standards. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on consumer reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I did not authorize CITIBANK NA to run my credit
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a dispute regarding inaccurate information on my credit reports. On XX/XX/year> I sent a debt validation letter to XXXX XXXX XXXX via certified mail, requesting verification of a debt they have reported to the credit bureaus. I have attached proof of delivery for your reference.
Product: Credit reporting or other personal consumer reports

I am a victim of identity Theft, Someone used my info to lease an apartment and I have no idea who. I submitted a claim to Experian and they rejected my claim, I sent them a police report and I need it to be removed from my credit as it affects me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting in XXXX of XXXX. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of MyFICO which I pay {$39.00} for monthly to monitor my credit. For some reason, XXXX  continues to have my payment history reflect inaccurately. I have NEVER been late. XXXX  shows the correct info in that I paid as agreed, yet XXXX  shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX/XXXX  tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with XXXX, Experian, and XXXX. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. XXXX  and Experian have DELETED the account from my credit report as of XX/XX/XXXX, but XXXX  has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE XXXX, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by XXXX  and XXXX, but Experian still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.
Product: Checking or savings account

I am a victim of fraud in Bank of America. XXXX created an account using her name and my name without my authorization. I informed the bank personally due to an alert on our phone on XX/XX/2022. While I was on the phone informing the bank that a fraud activities is going on with my family and my accounts we were able to see the electronic transaction is " processing '' .. On XX/XX/XXXX we filed a claim number XXXX. On XX/XX/2022 we received a letter from the bank ( I will attached later ) stating " We've completed our research on your claim and we determined you are not the person responsible for opening the account ( fraud account ending with XXXX ''. Bank consider my inquiry resolved and no further action is needed. On XX/XX/XXXX they reversed the decision ( attached later for XXXX account as an example since all of us in the family have XXXX accounts ). stating the bank denied my claim and consider it close because the transfer was authorized by our device which is a lie. The total amount that we lost is more than XXXX. 

I do not trust the bank conclusion since they never contacted the phone manufacturer with law enforcement and check on the bank mobile apps if it was compromise. 

Also so far they bank refused to give us any temporary credit to buy grocery to eat or pay our bills. I have been customer for over 31 years. They have my record.
Product: Debt collection

I have no idea what this debt from XX/XX/2022. I have not opened a new account in years. I never received any written/mail correspondence regarding this. 
I found out about it because it was generically reported to a credit bureau today. 
I did receive some robo calls in the past week of someone impersonating a lawyer/lawsuit and XXXX they are coming to my house and if Im not home they are coming to my work and if Im not at work they discuss the matter with my supervisor It looks like it came from the XXXX XXXX
Product: Mortgage

Lien Release requested by XXXX and XXXX XXXX from XXXX XXXX XXXXKeyBank We had previous Mortgages with XXXX XXXXXXXX XXXX XXXX that were paid in full due to a Consolidation, Extension and Modification Agreement. We currently hold XXXX Mortgage with XXXX XXXX that was assigned to them by XXXX XXXX in XXXX. However, the previous liens were never released with the XXXX County Clerks Office ( Document Enclosed ). I have spent 6 months from XXXX of XXXX to present contacting weekly, speaking with many associates at KeyBank. No one could assist me. I was finally assigned to a case worker on XX/XX/XXXX in the XXXX Offices of KeyBank. Her name is XXXX. Phone Number XXXX, XXXX # XXXX. After she investigated my case, she called me last week XX/XX/XXXX and informed me that they are not responsible and that my current mortgage holder XXXX XXXX is responsible. This is not true. 
I did contact XXXX XXXX and they do not have the authorization to release liens not in their name. I have no where else to turn and need someone to fix this mess that I did not cause. We have since lost our Home Equity Loan that we applied for and even if I wanted to sell my home I could not. This is unfair and there must be someone who can help us. 

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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.Bankruptcy XXXX  XXXXdismissed Reference number : XXXX, Bankruptcy XXXX  7-dismissed Reference number : XXXX
Product: Credit reporting

I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all three credit bureaus Equifax , XXXX and XXXX with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XX/XX/XXXX. This item is over 7 years old and is still being reported on my credit report. Transunion completely deleted the item, Equifax has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XX/XX/XXXX and a last status date of XX/XX/XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to notify you to remove the disputed items in my credit report for they are fraudulent and must be dealt with immediately. 

Please remove the following items immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX  XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} ONEMAIN Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Debt collection

Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00}
Product: Money transfer, virtual currency, or money service

I purchased cryptocurrency on XX/XX/21 from crypto.com. Last year, there was an update to the app and it deleted my login abilities. I've attempted to reach them and have been hung up on when calling, the chat does not work and they don't recognize my credentials. 

There is money in the account and they would owe me.
Product: Mortgage

Since XX/XX/XXXX I have been able to make additional principal payments on my Heloc. 
From XX/XX/XXXX, I am now NOT ALLOWED to make additional principal payments from either the app or website. 
I called and was advised that Bethpage now prohibits additional principal payments on their Heloc accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX  ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( Experian : XXXX   XXXX : XXXX  ), XXXX XXXX XXXX ( XXXX : XXXX ), XXXX  ( Experian : XXXX, XXXX,XXXX,XXXX XXXX  : XXXX, XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX  ) , XXXX XXXX XXXX ( XXXX : XXXX ) , XXXX XXXX ( XXXX : XXXX ) .
Product: Vehicle loan or lease

I have a hard inquiry from a Exeter Finance on XX/XX/2021 And I do not recognize it. Could you contact this company and get that removed.
Product: Credit reporting or other personal consumer reports

I disputed this information and requested a copy of the original signed document on XX/XX/XXXX ; Columbia Debt Recovery sent me a copy of a lease agreement with my name and another party with not signatures. I have never lived in XXXX GA I have been a home owner in another state for over 20 years. I have requested this false information be removed from my credit report in accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The said account has violated my rights. 15 U.S.C 1681 section 602 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.