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

I would like to dispute off the following inaccurate account on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$15000.00} XX/XX/XXXX XXXX : XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$640.00} XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$15000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Specialized Loan Servicing transferred my loan to XXXX yet has not reported this transfer to the credit reporting agencies. This has resulted in my credit report with XXXX showing both my balance with XXXX, and my balance with Specialized Loan Servicing.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I the consumer have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I the consumer am choosing to opt out of your reporting.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I do not have a contract with this company. They are trying to say I owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX Date opened : XX/XX/2015 Balance : {$0.00}. Please update.
Product: Credit reporting

Disputed several accounts that do n't belong to me and they still remain on my experian credit report
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Debt collection

002. GLA Collection CO Inc. 
GLA has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 Balance {$26000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$68.00} XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX  XXXX Balance {$910.00} XXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} XXXX, XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX  XXXX Balance {$390.00} XXXX  XXXX Balance {$6200.00} XXXX XXXX  XXXX Balance {$620.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX
Product: Credit card or prepaid card

I was issued XXXX XXXX Debit card ending in XXXX which happened to be a fake one, not associated to me records. I turned this fake fraudulent card to a bank in XXXX at XXXX XXXX The real debit card end in XXXX has been used for over 150 transaction without my authorization or consent. My case was denied because they say I authorized this transaction which impossible because I never had that card ending in XXXX. 

They have been un willing to connect to explain or reasoning for this arbitrary decision. This effects my credit and my identity. 

Wells Fargo also seem very un concerned that the fake debit card I returned was an issue. 

I would like my case to approved in a more timely manner and Wells Fargo held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN, AND XXXX ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX Opened XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} XXXX PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER EXPERIAN NOR XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XX/XX/XXXX Opened XXXX {$650.00}
Product: Checking or savings account

I am a victim of human trafficking of Debt bondage and would like for all listed inquiries to be BLOCKED AND DELETED FROM CHEX SYSTEMS XXXX Last XXXX of XXXX XXXX My Date of Birth XX/XX/XXXX My Name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Barclays bank decreased the credit limit on my Jetblue plus card by {$6100.00} and made my utilization go near 100 %. I have made all payments on time and never had an issue with this bank until now. This has caused my credit score to tank and I have been a reliable customer with this card for over XXXX  years. I complained to the XXXX  in which they left an office phone number to call and promised a response in XXXX hours, yet they never returned my calls and clearly are pulling some sort of scheme. It is impossible to reach them or receive a resolution to any issues.They are clearly trying to get my card to go over the limit now that I have hardly any available credit left so that they can charge me extra fees.
Product: Checking or savings account

On XX/XX/XXXX my account was suspended due to suspicious activity. Chime needed to perform an investigation and asked me to provide my drivers license, proof of my address, and a letter stating that the attempted deposit to my account was authorized. I have tried multiple times to contact chime since this occurred and they have offered little to no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate credit reporting several times. 

I disputed both via phone and dispute center portal : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Etc. 

I have information the credit reporting agency that a CLOSED account is being reported as XXXX & XXXX and as a result re-damaging my credit. The account was reported as XXXX. I feel like the change in reporting status is due to me asking the debt collection department to verify the debt. Since they couldnt they began reporting it inaccurately to retaliate against me. If it was reported as XXXX XXXX in XXXX how could is possibly now be considered XXXX in XXXX. Since the debt couldnt be validate it should have been deleted completely. I requested the original paperwork with my signature and had not received it. Etc. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : CREDIT PLUSXXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX, INQUIRY DATE XX/XX/2021
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

Earlier this year ( around XXXX ), I found out through my checking Account, the credit card company unauthorizedly charged my account multiple times for a transaction I did not make. I made an effort to resolve the issue with them but Initially rejected my effort, until I involved my bank, where my Bank help me reverse all the money charged into my checking account. Then they called to explain to me the transaction made in my name in New York, I Immediately rejected the transaction, because I was living in North Carolina, not in New York, plus I had never been to New York for the past Ten Years. They agreed to Investigate the transaction and I was told that my store card would be temporarily placed on Hold. A few weeks later, they get back to me and agreed that it was a fraud detected on my account. they explained to me that they will mail me a new card, and they had already made corrections to my account, and according to them, I do not owe any money. 
However, a few months later, I started receiving mail from the credit card company regarding the same problem again, this time I was unable to talk to a single person, whenever I call them they always transfer me from one department to another, sometimes, I was told this CITI bank credit not Macy 's, I will be given a different number to call all to no avail. please I need to resolve this problem because with each month passing by I was charging ridiculous late fees, and they never stop. I called them yesterday morning I was just been pushing around different departments and at some points they kept me waiting for over two hours, and then cut off the phone.
Product: Credit reporting or other personal consumer reports

Original Report number : XXXX Company has not send valid verification with my signature.

Sent company all documents for ID theft via USPS Certified 1st class mail return receipt with signature from XXXX on XX/XX/year>. I sent 2 separate enclosures regarding 2 separate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The PHOENIX FINANCIAL SERVICES has added TWO older collection accounts to my credit profile as a " new '' collection from XXXX, it was recently sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my XXXX XXXX. The original creditor has the date from XXXX or earlier and not the open date that PHOENIX FINANCIAL SERVICES has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit XXXX and future, is deeply concerning. Simply put, This is reaged debt and needs to be immediately removed. 

The Same actions have been taken by XXXX XXXX SYSTEMS in reaging debt they purchased in XXXX that belongs to XXXX or earlier I have previously complained to the CRA 's but they are parroting the reporters language and not performing a maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 instruction.
Product: Checking or savings account

On XX/XX/2022, Capital One responded to my initial dispute of error to be able to open a Checking account for Account Ending in XXXX ; Capital One Case Number : XXXX CFPB Complaint ID : XXXX. 

ATTN : Capital One Financial Corporation Legal Department RE :XX/XX/XXXX Account # XXXX This letter is to serve *CAPITAL ONE AND XX/XX/XXXX XX/XX/XXXX* an official notice of a dispute for the amount of {$2100.00}. The owner of the above-referenced account, as defined by 12 CFR 1002.2, is a federally protected consumer. I am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, I am demanding you provide me with FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. 

Please be advised, pursuant to 12 CFR 1026.13, this constitutes as a billing error notice. 

** Current closed account as negative and closed when no thorough investigation or settlement was open upon. 

** A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority **A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ XXXX  credit card balance was incorrectly posted to my TransUnion credit report. It says the balance went from XXXX to {$270.00}. The statement is below you can CLEARLY SEE THE BALANCE IS XXXX. How are these errors occurring???
Product: Student loan

I keep getting calls about my student loan when the statue of limitation is up. This loan is still showing on my credit report. I called and tried to make several payment arrangements and I could n't afford the payments that were offered. I also am aware of a recent lawsuit that was taken out on the loan provider for those same issues that were affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted TRANSUNION 10 TIMES BY PHONE AND BY FAX TO GET MY NAME RIGHT THEY SEEM TO NOT BE ABLE TO GET IT RIGHT My name is XXXX XXXX XXXX XXXX just that name may be you can get them to get it right thank you
Product: Debt collection

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated.

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

XXXX and XXXX closed my account without notifying me by any way of communication. I found out because XXXX XXXX alerted me. When I called XXXX and XXXX they said that they closed it after looking at my credit report and not liking what they saw. My balance owed to XXXX and XXXX was {$0.00} and I had never been late making a payment and ALWAYS paid over the minimum due by at least a double amount. My credit limit with them also was {$4000.00} and I use the card on a regular basis and always pay my balance off very quickly. I think maybe they closed it because they weren't making enough money off of interest on my account.