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

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX SER Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, TX XXXX Mail Current Status - Processed For Delivery ( XX/XX/XXXX XXXX XXXX  ) Letter Mailed Date and XXXX - XX/XX/XXXX XXXX XXXX  Pass through - Standard Recipient Address - XXXX XXXX XXXX XXXX, TX XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Mortgage

Specialized Loan Servicing are threating to Foreclose on my house. On XX/XX/XXXX My husband and I took a second Loan in the amount of {$49000.00} to purchase our home, my husband who passed away in XXXX was handling the properties and stated that the second loan on all the properties during the recession the banks were forgiving it, after which we never heard from XXXX or any other bank regarding a transfer of this loan. We never received anymore payment statements or correspondence from anyone, and there was no late payments on our credit report from any bank/company regarding this loan from XXXX to present. My belief was that this loan was also forgiven along with the other properties. There was no demand payment until XXXX or XX/XX/XXXX I was contacted through the mail by Specialized Loan Servicing stating that I needed to pay them {$14000.00} and something to bring my account current or my house would go into foreclosure. I immediately called them and stated, I do not know you, I have never heard of you XXXX had this loan and this loan has been forgiven. I asked them why are you contacting me after all these years and demanding this kind of money? The Representative said we are servicing this loan now and that I had to pay the above amount plus the first months payment in the same month. I informed them that I did not have that kind of money, I am a senior citizen and on a fixed income. They started takin pictures of my house, some times twice a month and said I had to pay {$15.00} for each. From XXXX of last year through this year they said my house was flagged for foreclosure and they are waiting for a sale date. I have never received a timely evaluation notice or a Default/Foreclosure letter in the mail from them. I have never received any paperwork from a new bank/company stating that this loan has been transferred to them. SLS refused to give me any info on the company they are collecting for, and states that I would have to ask for it in writing addressed to them and they would get back with me. they made frivolous credit checks on my report, stating they have to check it from time to time, it lowered my credit score and I asked them to stop checking my credit. I had to research a number for XXXX, I was unable to speak to a person but I left a message asking someone to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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

too whom it may concern. I am submitting this complaint on my own and there is no third party involved in me submitting this complaint. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I have sent numerous letters with a police report and FTC report, and an notarize affidavit to TransUnion, and XXXX and they have yet to remove the items i stated were fraudulent on my credit report. This is a total violation of the FCRA. I feel they are taking advantage of me and are not doing their jobs. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. It's been months and they have yet to remove these accounts even after i sent a police report and an FTC report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove XXXXXXXX XXXXXXXX and XXXX XXXX from my credit report. the following items do not belong to me and is a result of fraud that I did not authorize. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX XXXXXXXX XXXX XXXXXXXX are violating my consumer rights by reporting a late payment for the account ending XXXX, XXXX year> that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge Company information Equifax continues to violate my consumer rights, which I deem harmful to my financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquries i do not recognize
Product: Credit reporting or other personal consumer reports

I have an open account with XXXX XXXX that is showing closed on my Experian report this account was opened XX/XX/ and its being reported as closed when is open and accurate.
Product: Debt collection

ask them for proof of original document with my signature where i did business with them. From 2021. This company has ruined my credit with this ....
Product: Credit reporting or other personal consumer reports

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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

Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report. 

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports
Product: Consumer Loan

Co-signed for someone on a vehicle that was repossessed without my knowledge. I was unaware the car was behind on payments prior to the repossession or I would have taken over the payments.
Product: Credit card or prepaid card

Hello. I underpaid Chase by {$40.00} on XX/XX/XXXX by accident for my XXXX payment, which was less than 1 % of my total bill owed. I am strictly a conveniece credit card user and pay my bill in total every month. I have had a credit card with Chase for years and they know my payment history. They charged me interest of {$24.00} on my XXXX statement and {$7.00} on my XXXX statement, totaling {$32.00}, almost as much as the {$40.00} payment for misreading my statement. 

I called and complained last night ( XX/XX/XXXX ) and was told the interest will be credited back to my account. It hasnt been credited back yet, prompting me to write this complaint. I recently moved and have had some large charges on my credit card and Chase applied the interest rate for the total charges on my account, all because of misreading my balance due. This is outrageous! Customers like me should be given the benefit of the doubt! If I hadnt frozen my credit reports after the XXXX breach, Id immediately cancel this card and apply for another. This practice by credit card companies must stop! 

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have CONSTANTLY been in contact with the Furnisher for a year and still no response on this FRIVLOUS DEROGATORY MARK appearing on my reports I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX  has never proved this debt belong to me legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like Trans Union, XXXX  and XXXX are reporting things against me they can not substantiate. 
What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

EQUIFAX is govern by USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 

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

Hi, my name is XXXX XXXX. I have been sending you guys letters about some inaccurate information on my credit report but I don't believe you did the job properly. I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored I am not sure if it has something to do with my XXXX, but I was told by a financial expert that I can file a complaint on several agencies should you continue to ignore my letters. I'll be waiting for 15 days from now to see if there will be any changes and will take my next step after that. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These inquiries are not recognized and were not authorized by me. I have filed an identity theft report and provided it to the company during my last despite but, the inquiries were not removed. These inquiries are inaccurate and need to be removed from my credit report. If the inquiries are not removed, I request proof of its validity in writing. Showing that I authorized these companies to request my credit file.
Product: Mortgage

I made a payment on XX/XX/2019, and it is still yet to post to my account even though it was withdrawn the next day from my bank account ; however, I continue to receive billing stating my account is overdue.
Product: Money transfer, virtual currency, or money service

We have account with the TD Bank for many years and we were always considering ( because of the TD Bank marketing and advertising ) that this bank is one of the big and serious banks in US ( knowing that it is a originally XXXX bank ). So far we didnt have any problem with TD Bank XXXX Until XX/XX/2021. 

On XX/XX/2021 we went in person to TD Bank branch located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, to request to make an international wire transfer of XXXX Euro from our personal TD Bank account to an escrow account of Spanish Attorney in XXXX ( Bank XXXX ) to complete a purchase of our apartment in XXXX. 

TD Bank charged us a transfer fee of {$50.00}. Other banks are charging much less for international transfers. It is expensive, but lets say that is is reasonable. Then TD Bank asked to pay a fee of {$17.00}, that is supposed a fee that is charging XXXX Bank for receiving a money transfer. Let 's say that is is reasonable as well. In the end it was not true, because the Bank XXXX asked through the XXXX Attorney for much more money after the transaction completed. 

TD Bank charged us {$91000.00} for the money exchange + {$50.00} fee + {$17.00} fee. 

Two days later we decided to consult other two banks where we have a personal accounts with and asked them how much would cost us to do the same with them, to our big surprise, both banks told us that we would pay around of {$88000.00}. 

We were in shock to realize that TD Bank stolen from us close to {$3000.00}. 

TD Bank is publishing online that they have an exchange rates that are on par with other banks and that is not true. How you can charge a customer close to {$3000.00} more that any other American bank without disclosing something like that to the customer? We would never in millions year imagine that TD Bank can do something like that knowing that they are charging crazy high exchange fees in comparison to another US banksXXXX Bank never disclosed that the TD Bank has limited licenses for many activities and is using another American bank to do some transactions. 

We were trying to contact the branch manager. Assistant manager of the branch informed us that the branch manager is not available and that she can not help us anyway. She offered us to refund {$50.00} fee??? She told us that TD Bank used the XXXX  XXXX XXXX XXXX to do our transaction. 

Wire transfer info : Date : XX/XX/2021 Sender reference : XXXX Beneficiary : XXXX XXXX XXXX, XXXX Bank to bank info fields : XXXX Real estate settlement buying an apartment XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card information was stolen and used to purchase a {$3200.00} airline ticket from XXXX to XXXX. The credit card company resolved the issue and refunded the money, however, I did want to report this individual as I have his full name, flight, itinerary, and additional PII. He also stole my other identifiers, including home address, phone, email, etc.
Product: Checking or savings account

On Wednesday XX/XX/XXXX ( payday ) I went to the atm at a XXXX branch and tried to withdraw {$350.00}. The money never dispensed so I immediately went inside the branch and contacted Chime ( my banking institution ) to inform them of the matter. On XX/XX/XXXX I filed a dispute and XX/XX/XXXX it was denied. After the denial I contacted them and submitted a rebuttal. My issue still has not been solved and Im unable to pay my bills because they have my account overdrawn. I reached out to Chime over 50 times spoke with supervisors and dispute team which isnt very helpful. I was told to allow up until XX/XX/XXXX to have issue resolved. I have my direct deposit set up through this bank which leaves me at a stand still. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

* Equifax was unable to provide my free credit report and was not able to explain why. They required me to submit a dispute and proof of identity, which I did * Dispute results showed : " The worker ID number is issued by SSA for work purposes only. This number is not issued by the SSA as a SSN. The worker ID number is not issued by the SSA as a SSN and can not be added to your Equifax credit file. '' * Called SSA and was informed that this distinction does not exist - that even if the number is issued for work purposes ( on H1B visa ), it should be valid for credit purposes * SSA advised me to contact federal trade commission ( FTC ) to resolve * Desired outcome : Would like ( 1 ) Record to be amended such that Equifax has access to my SSN ( 2 ) Credit history to reflect the past ~8 months I have lived and worked legally in the US - i.e. I should have a credit history and not be starting from scratch
Product: Debt collection

XXXX XXXX XXXX dropped the debt after i contacted them ( this is the third time i have had this removed from my credit due to fraud ) now 3 days later XXXX XXXX XXXX has been calling me and harassing me about a debt i do not owe. I was run over by a car in XXXX XXXX XXXX XXXX XXXX XXXX. The no fault insurance from XXXX plus my own personal insurance covered all aspects of the debt. talked to a person from XXXXXXXX XXXX today who claims I owe a XXXX dollar fee which would be a copay but in XXXX  my copay was XXXX dollars so I knew they were lying. She was abusive and triggered XXXX XXXXXXXX which i am know so angry that i am actually reaching out to you. I just want these abusive debt collectors to finally stop attacking me so I can finally heal from my XXXX XXXX  experience. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reinserted 3 collection accounts that were removed from my credit report. I contacted Equifax to fix the problem and spoke with a XXXX in the executive office. She has yet to fix the problem.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report and notice several inaccuracy in my accout. This account is hurting my ability to obtain credit .it 's my understanding that XXXX XXXX equifax reporting agency will investigate this for me to ensure accout accuracy ... this account is. XXXX CARD XXXX