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

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below 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, credit repair services, or other personal consumer reports

Experian is making it difficult for us to place a credit freeze or obtain a credit report. 
It is impossible to place a credit freeze or get a free credit report on-line or by phone. 
They accept only snail mail and want a certified letter, along with a copy of a driver 's license/government issued ID and a bank bill. 
When trying to get the credit report by phone, we are told to " stay on the line '', then they do not respond. There on-line app similarly just states they ca n't provide it. 
We have not experienced a similar problem with XXXX or XXXX 

Is this not a violation of the law? Or are they hiding a problem with their security?
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i accidentally clicked a different withdrawal method than the method used to deposit {$2200.00}. Both available options are bank accounts/debit cards registered under my name ( XXXX XXXX XXXX  XXXX ) and have been verified through Robinhood LLC . A notification popped up stating i am not able to withdraw to XXXX XXXX XXXX XXXX because i deposited the funds through XXXX XXXX. I had not realized i even attempted to withdraw to XXXX, following that i attempted to withdraw to the correct account but was told my account was now restricted and i am unable to withdraw at all. I received another notification saying action required to remove restriction so i clicked it. The following prompt told me that no action is required and i was still restricted. I attempted to use the chat service to find answers but the only thing is the chat service would provide is the same verbiage from the prompt and would not allow me to type a response, the only response it allowed me to select was one button saying this answered my question when it provided no information and did not answer anything. {$2200.00} of my money is now on hold and there is no XXXX XXXX of contacting support for information or assistance on how to access my funds.
Product: Credit reporting

I am having several issues with both TransUnion and XXXX. I 'll detail my concerns for both in XXXX separate complaints. My biggest concern is with TransUnion. First, and most importantly, TransUnion has inaccurate information on my credit report. I have a creditor that was discharged under chapter XXXX bankruptcy that still shows repeatedly under " open collections ''. Not only is this creditor listed under open collections when it should n't be, but the same debt from them shows multiple times, under multiple lines, insinuating there was more debt owed to them than there actually was. These appear as derogatory marks on my credit report. My second concern is that my attempts to resolve this with them has been unsuccessful. For four years now I have been unable to login, create an account, view my annual free report, file a dispute, etc. I am totally and completely unable to do absolutely anything with TransUnion. I have attempted to file a dispute both online through their secure website, and over the phone with a representative, and have been unable to do either. Every year when I login through the annual credit report website, I 'm only ever able to view and save my Equifax report. I receive varying error messages from TransUnion, ranging from " we ca n't process your request at this time '', to " the information provided does n't match our records '' to " We are experiencing technical difficulties and can not process your request at this time '', etc. This happens every single year and it 's been atleast 4 years since I 've been able to access this information from TransUnion. Last year their site said I had already accessed my free report, and that was n't true. I attempted to resolve that issue last year and they absolutely refused to help me, despite my repeated attempts. It got to the point where I gave up. I want to have this creditor removed from the open collections section of my credit report. I also want my rights to my free report restored, and I want them to have their IT department figure out why I ca n't create an account. I also want the XXXX XXXX XXXX hard inquiry removed from my report as I did not authorize this inquiry. If I were able to actually complete a dispute with them I would notate this on the dispute myself. I feel my rights are being taken away by this company and I 've been trying for years to resolve it to no avail. I need to be able to dispute any inaccurate information that is negativity effecting my credit score. This company seems to have no sympathy for my situation, and TransUnion has been downright combative in resolving it. I 've already disputed this particular creditor with XXXX, as they actually make it easy and I 've never had any issues with them. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

address that are not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts not mine : XXXX/XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} past due as of XXXX XXXX 
Account TypeCharge Card Balance {$1000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$12000.00} written off. {$1800.00} past due as of XX/XX/XXXXXXXX XXXX. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX  Dispute XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6700.00} written off. {$6700.00} past due as of XXXX XXXX. 
Account TypeCredit card Balance {$6700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX, XXXX. 

XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5700.00} written off. {$2700.00} past due as of XXXX XXXX. 
Account TypeCharge Card Balance {$5700.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$2500.00} past due as of XXXX XXXX. 
Account TypeCredit card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6200.00} written off. {$1600.00} past due as ofXX/XX/XXXX 
Account TypeCredit card Balance {$6200.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7800.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$12000.00} written off. {$12000.00} past due as ofXX/XX/XXXX 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX 
Account TypeCredit Card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7700.00} written off. {$7700.00} past due as of XX/XX/XXXX 



sent ftc never removed anything 90 days or more
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to XXXX, XXXX, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I attempted to start a fraud alert on my credit based on the security questions that XXXX XXXX uses when starting a new account. It was asking me about loans that had been taken out while I was a minor, along with others I didn't recognize. When I went to fill out the form for the fraud alert it said that it was unable to confirm my identity and I was still unable to either file the alerts or request a copy of my credit report in order to confirm these charges that both XXXX and XXXX XXXX found when running the security questions portion of the forms.
Product: Bank account or service

XX/XX/XXXX I applied to the Scottrade Brokerage by phone from XXXX Wa. Someone named XXXX helped, but the XXXX person was so rude, I never funded my account. 

On XX/XX/XXXX I received a notice by email that the company was hacked. They gave a number for XXXX ( security ) to provide security, but now on hold for over an hour, no one picks up. Sloppy service here as well. 

Although I spoke with Scottrade staff ( National level ) and was told, that even as the email mentioned Social security numbers were accessed I was told by phone mostly they thought the " contact '' information was used? I asked if they had deleted the account since it was not funded and they had. But 2 years later clients are now being informed. 

XXXX
Product: Credit card or prepaid card

At the beggining of this year, XX/XX/XXXX, my parents started to receive credit card statements under my name from Citibank. On these statements, they indicate that I made a purchase at XXXX for {$210.00}, but I never did. 
First of all, I never got the credit card related to this purchase. I was client from Citibank about 5 or 6 years ago. I got two credit cards and loan at that time and I always paid all my doubts on time. I never renewed the credit cards that have already expired. 
Nowadays, I'm living in XXXX. The last time that I traveled to USA it was in XX/XX/XXXX. I've called the bank several times to explain this but they insist to send the statements and harass my parents collecting a debt that is not mine. 
Please help me to solve this problem.
Product: Credit card

Someone opened a credit card in my name for {$450.00}. The payments for this loan were coming out of my account. Upgrade agrees that it is a fraud account but will not return my payments. Upgrade took six payments of {$34.00} out of my account. I have called twice about a refund and all they tell me is that they have escalated my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my consumer report on XX/XX/21 and I have negative late payment remarks reporting that I believe are inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, I am preparing this complaint on behalf of myself and no other party is acting on my behalf. 

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


I would like 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 letter. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.
Product: Credit card or prepaid card

My account was scammed by someone I was providing and online service for. I was told theyd be able to assist in paying credit debts. However they ended up bouncing the payments, forcing my credit provider to close all three of my accounts. When I apply for new accounts, it comes up that serious delinquency is a factor. What is this, why is this and how can we fix this? I was attacked by identify fraud and am trying to fix my financial situation?
Product: Debt collection

The billing office of XXXX XXXX, XXXX had not submitted any of my XX/XX/XXXX claims to my insurance company, though they accepted my health insurance, XXXX XXXX, all year long. " XXXX '' in billing stated she missed timely filing deadlines and ordered me to pay, or she would withhold medical services. I paid {$300.00} by check in XX/XX/XXXX, and on XXXX XXXX, XXXX I paid another {$180.00}, toward this debt on my XXXX card. They sent me to collections on XXXX/XXXX/XXXX ANYWAY, for {$610.00} at Healthcare Collections , LLC aka HCI, ( XXXX ) XXXX XXXX. I had 2 separate conversations directly with the doctor ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX and emailed him on XXXX/XXXX/XXXX, who admits XXXX balance, though I continue to receive rude, harassing calls from HCI on a daily basis from XXXX ( or XXXX ) & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with getting the credit bureaus to remove the fraud alerts off my credit file.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts with errors, inaccuracies, and incompetence for a duration of 9 months. The credit reporting agencies are violating my rights under fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Product: Credit card or prepaid card

I received a " XXXX XXXX '' physical gift card for {$10.00} as a XXXX present. When I went to scratch off the back to reveal the code, the scratch off was defective and took off the code with it making the code unreadable. The card was obviously produced by a cut rate company in an effort to save money. I've never had any other store gift card have the code destroyed by pealing off the silver backing. 

I contacted the issuer of the card and sent them a picture of the physical " XXXX XXXX '' gift card showing that I'm the owner and that the back was defective. 

They refused to replace the card or give me the value of the card for their merchandise.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several inaccuracies. The three credit bureaus are required to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permissible to report unverified information without providing proof within the legally mandated timeframe. The following items need to be investigated and corrected for erroneous reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax, Experian, Transunion and their affiliated partners have all been involved in, part and/or in full, in erroneous inaccurate credit reporting from third parties such as debit, collectors, charges offs, late payments, running of my credit from over 25 or more banks and financial institutions and car dealers. These erroneous errors have occurred between XX/XX/XXXX up until XX/XX/XXXX. They have ruined my Credit status, have harmed my financial abilities to embark upon loans, business opportunities, and applying for different financial opportunities. These Companies have also been involved in Data Breach of my personal information has been exposed and used.

All of the items listed under my credit account details within these Companies data are all false, errors and inaccurate items purchased by debit collectors and third party sources who all have violated Federal Consumer Arbitration Laws.
Product: Credit reporting or other personal consumer reports

I have contacted all three credit bureaus by notarized certified receipt mail requesting that the XXXX # XXXX account be removed, as well as the XXXX XXXX  account # XXXX, from my credit report being that they are not my accounts. Both of the accounts are in good standing but neither of the accounts are mine and I would like for my credit report at maximum accuracy. 

My Equifax credit report is showing that the XXXX account is 9 years and 7 months old, and the XXXX XXXX  account is 30 years and 7 months old. I have been a victim of identity theft on the XXXX web and that information is reflected across all three credit reporting websites. I have also had my personal information compromised across all three credit reporting agencies due their data breaches. The information does not reflect my credit use or history, and I am absolutely pleading with your company to have the information corrected and removed from my credit report immediately. I would greatly appreciate your help because it has been more than two years and I'm still very eager to have these items removed. Please, and thank you
Product: Mortgage

I feel Iike M & T Bank is trying to unlawfully obtain my signature for the note on my property. They are asking me for my note when I feel they should have had if I owed them. I feel like something is not right. They have been charging this whole time with out ever having the note in there possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means an consumer report or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible if the date opened is NOT accurate, date reported is NOT accurate, the date of last activity is NOT accurate, and date last reported is NOT accurate, account status is NOT accurate, and the original creditor name is NOT accurate. 

This is grounds for removal. In accordance with the Fair Credit Reporting act. The Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions I did not give anyone my written instruction 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