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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This item is either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information
Product: Credit reporting or other personal consumer reports

I had CFPB reach out to American express on my behalf to resolve this issue ( See case number XXXX ) but it was not resolved. I Have never agreed to do business with American express personally and I have Never agreed to personally guarantee any loans for anyone or any company. 
American express provided me with a copy of a contract through the CFPB platform and after reviewing it, I can see that the contract is with XXXX XXXX XXXX New York XXXX and not with me personally. They have not provided a signature of mine by any means. I can see at the bottom of the contract, there are lines where my name is preprinted to sign, however those lines bares the signature of XXXX XXXX XXXX New York XXXX. I never agreed to guarantee any loans. The XXXX XXXXXXXX approving the contract which shows on the left at the bottom of the contract, bares the responsibilities of inspecting this and making corrections before issuing any funds to the company. The fact that this was not done, can not force the responsibilities on to me. 
Based on this, I request this account be removed from my credit report immediately. 
If I have to hire a consumer lawyer and litigate this, I will do so and XXXX for a lot of damages. I have been saving all of my credit denials which are caused by this reporting. I hope this can be resolved immediately! I have attached the contract Amex produced and their response for your review.
Product: Credit reporting or other personal consumer reports

I have disputed on Experian and XXXX for fraudulent card opened in my name for XXXX on XXXX XXXX and XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX & Equifax are reporting XXXX XXXX XXXX Balance {$13000.00} and also reporting XXXX XXXX XXXX Balance {$38000.00} I've disputed these items in the past as fraudulent accounts and the items was deleted they are now reflecting back on my credit reoport.And I've sent letters and FTC reports regarding this matter and they are still reporting these fraudulent accounts on my credit report!! These items are not reporting on XXXX and per the law all credit reports are supposed to be accurate and the same all across the board! this is hindering my true credit and I want these items removed!
Product: Checking or savings account

He worked with Changing the XXXX XXXX and XXXX XXXX  since their inception in XXXX before their bankruptcy going on two years ago. We ranked in customers who spent {$5.00}, on our products weekly. Dollar Bank never reimbursed him the {$28.00}, that was earned since XXXX of XXXX 

They instead overdrafted his account {$45.00} and insisted that he pay that overdraft or else they would close terminate their agreement in one year. Must be nice that he is crazy and everyone knows it for something they insist never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my last car payment to make on Chase auto finance car loan before loan was paid off- I made payment but was not aware that there was additional XXXX fees that were due also, so the loan showed late paid because there was XXXX dollars outstanding. I paid it soon as I was aware of it. 
This was my last payment - the loan is now paid off- Chase Auto says they can not change the 'late ' payment or remove. Please help it made my score suffer over 40 points.
Product: Credit reporting or other personal consumer reports

I hope things is okay with you. Regarding these accounts below, I am writing this letter. I'm being greatly impacted by it, which is on my credit record. According to my credit report, these accounts are there because I was the victim of identity theft and my information was stolen.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I shopped at XXXX for XXXX presents estimated around {$300.00}. I saw the advertisement posted within the store regarding " 10 % off TODAY, 5 % back in rewards. '' I wanted to avail the promoted discount so I went ahead and inquired about the rewards credit card. The cashier asked for my information, but eventually was not able to apply the discount. I was told the application is currently being reviewed and will be notified in writing within 30 days if I am approved. 

I was under the impression that the customer will immediately get the 10 % discount applied to the current purchase. The advertisement posted was misleading as it should have indicated that only when instantly approved, you'll get the 10 % discount. Besides, what's the poinXXXX of applying if you don't get the discount on that same day as advertised. I decided to decline and withdraw the application and called XXXX XXXX immediately after I exited the store. I was assured the application will not be processed. 

Despite declining and making the phone call, XXXX XXXX  XXXX XXXX XXXX  still went ahead and did a hard pull inquiry on my credit which is set to remain on my Experian credit report until XX/XX/XXXX. I contacted both Experian and XXXX XXXX  today ( XX/XX/XXXX ) and requested for this record to be removed but both said there's nothing they could do. I believe there's enough reason to remove the record on my credit report as it was a direct result of a misleading advertisement that falsely led me to believe I was going to get 10 % off if I applied for the rewards credit card.
Product: Payday loan, title loan, personal loan, or advance loan

I kept getting calls from CashNetUSA I thought it was a joke did not think they was trying to reach me for a loan but when they repeated my social and date of birth I got worried they said they gave this money to me and it was sent to my checking account XXXXXXXX XXXX and sent confirmation to my email I told them I never got any email from them and they repeated an email I was never ever associated with and I have not had an account with XXXXXXXX XXXX since XXXX I went to XXXX and said they are unable to give me a letter of who is on this account ending in XXXX nor give me a letter to state I am not on this account where the money deposit was sent to I am not getting any help from XXXX branch on hwy XXXX XXXX XXXX and they advised only corporate can fix any legal matters I asked if you have a deposit in my name and I showed Id to send it back to CashNetUSA they refused and said its for corporate to do this is a fraudulent FRAUD transaction I never had an account ending in XXXX the account I had has been closed since XXXX my credit report clearly states identity theft from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXXXXXX XXXX XXXX XXXXXXXX XXXX they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

COMMINWEALTH IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAV AN ACCOUNT ON MY CREDIT REPORT. THATS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was on automated pay. My banking account was deemed closed by their systems but was not the case. I wasn't notified that my account was pasted due. A late payment was placed on my credit report due to their mistake. I spoke with countless account managers at least six times over the last month. First contact was made on XX/XX/2022 and no action has been made. I still have a negative item on my credit report and I need it removed due the company 's negligence and it is deemed illegal to report late payments one 's credit report, stated from XXXX.
Product: Debt collection

I received a copy of my credit report and found some mistakes that are incorrectly reporting on my credit report. I received my credit report, and it stated that I opened an account with XXXX XXXX XXXX on XX/XX/XXXX. I never opened and account on that date. I never signed a contractual agreement with XXXX XXXX XXXX for {$490.00}. It's showing up as delinquent on my credit report for creditor : Quick Credit. 

I called Quick Credit parent company Heights Finance on XX/XX/XXXX who shared with me that my account was recalled back to them on XXXX. In which XXXX XXXX XXXX and Quick Credit never notified me of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Discover, Remove this Discover account number : XXXX, date opened on XX/XX/XXXX, for inaccuracy because you are reporting inaccurate and incomplete payments history Information on my XXXX and XXXX credit reports. 

I disputed the inaccuracy on the dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via XXXX and XXXX certified mail but the inaccurate incomplete payments history remained unchanged and inaccurate on my credit reports on XXXX and XXXX affecting my credit score. 

Discover is not reporting any of my previous positive payments. Discover wiped out all my payments history and I attached the supporting documents for you to review please follow the fair credit reporting act ( 15 u.s.c. 1681 ). 

Sincerely, Today 's date is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received service from this company and now it a debt on my credit report and I want it to stop I get calls from starting XXXX all the way up to XXXX XXXX  Monday- Sunday and several calls a day it is getting out of hand I want it to stop
Product: Bank account or service

Hi, i 'm a costumer of citizen bank 11 years+.Sorry to say that but on all this years the costumer service is terible.Just went today XXXX to my branch at XXXX Ma.I noticed i was being charged {$3.00} fee the last 3 months, went there to find out why? .This costumer representative i was talking too his name ( XXXX ) was so rude.He told me go online and do it yourself, to waive the {$3.00} fee.He gave me no answer 's what that fee was for, and why he could n't helped me to waive it at the branch.I was surprised of his costumer service being 11 years with citizen 's bank, and a valuable costumer.Because of this guy i had to close the account with citizen's.Thanks citizen for this costumer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account I do not owe XXXX XXXX XXXX any money there is no contract between me and XXXX XXXX XXXX stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX points stolen and used at XXXX XXXX XX/XX/18. 
Email account hacked and shutdown with XXXX ( date unknown ). 
XXXX account hacked and shutdown ( date unknown ) Applied for credit card with XXXX XXXX and approved up to {$4200.00} ( XX/XX/18 ). 
Applied for XXXX XXXX account to purchase 3 XXXX XXXX  XXXX XXXX  contacted me and stopped order ( XX/XX/18 ). 
Concerned someone has my Social Security information.
Product: Consumer Loan

our heater went out and I had been in and out of the hospital, we needed a new heater and was rushed into using greensky. I am an XXXX year old, XXXX XXXX, XXXX vet. the payment started out at XXXX dollars a month, then they doubled the amount. They knew I can only make one payment a month, but they want XXXX the new heater still is not working as a result my daughter has become very ill, at XXXX in the morning they wake her up with calls. they are rude and demanding. I am paying them, every month. but they insist on more. I did not have time to check before hand, but after I found numerous complaints about them.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022, XXXX XXXX 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

I was victim of identity theft and these accounts were opened up fraudulent and need to be removed and blocked from my credit report XXXX  balance {$1000.00} XX/XX/XXXX XXXX  balance {$2200.00} XX/XX/XXXXXXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX  balance {$1200.00} XX/XX/XXXX
Product: Debt collection

filed a complaint with CFPB on XX/XX/XXXX about the unwanted calls to my work and my husband 's cell phone. The company responded on XX/XX/XXXX, that they had closed my " case '' and would not call again and had only called one time. 
In fact they have called repeated times prior to my original complaint with the CFPB complaint XXXX. The company started to call again on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today XX/XX/XXXX at XXXX. This is harassment.
Product: Debt collection

My name is XXXX XXXX and I am a victim of identity theft. I have contacted Merchants Credit Guide on several occasions to remove these so called medical debts from my credit report and they refuse to do so. They have not complied with my requests under the FDCPA or FCRA and have failed to provide proof or verification of the alleged debt. I am once again enclosing my identity theft report and notice to XXXX XXXX and XXXX. I have never been to these facilities.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : SAFCO XXXX It shows that this account was opened in 2015. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Credit reporting or other personal consumer reports

HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

i want these accounts removed 1.The following account is not mine XXXX Account NumberXXXX balance : {$560.00} Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX XXXX XXXXXXXX Account Number : XXXX* balance:XXXX $ Please remove it from my credit report. 


3. The following account is not mine XXXXXXXX XXXX  Account Number : XXXX balance : {$570.00} Please remove it from my credit report. 



4.The following account is not mine XXXX XXXX Account Number:XXXX balance : {$900.00} please remove it from my credit report. 

5.The following account is not mine XXXX Account Number:XXXX balance:XXXX $ please remove it from my credit report.
Product: Debt collection

I had a private student loan that was paid and full, the debt was bought by another company and they are stating I owe interest. But the amount was paid in full. Now it has been sold again to Navient and it is a balance on the account that I do not owe. I tried to reach out to the original loan holder and they no longer exist. and when I reached out to Navient they said when I mailed in the pay off amount in the time the check got to the original owner of the loan I incurred interest. which is not possible. They gave me an amount and a pay off date, not the new debt holder but the original owner of my private student loan. this information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card backed by XXXX XXXX. I noticed they pulled my XXXX  credit as well as XXXX. I thought it was odd but didn't realize how they obtained my XXXX  data until XX/XX/2020 when I pulled my free annual XXXX  report. At the bottom of the XXXX   report there is a section for Third Party Supplemental Information. There is data from 3 companies listed : XXXX, CoreLogic and XXXX XXXX XXXX XXXX. These 3 companies have nothing to do with credit cards and loans. Further they are not used in computing my FICO or XXXX credits scores. They have no bearing on my credit information, hence the reason for my complaint today. Please do everything within your power to advocate for myself or anyone else experiencing this problem with XXXX, and get XXXX  to stop reporting this data about me or anyone else. I'm sure most people do not even realize XXXX is selling this data about us.
Product: Credit reporting or other personal consumer reports

To EXPERIAN LEGAL DEPARTMENT, This is a formal legal notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA ), 12 C.F.R. 1022.1 ( TILA ), UCC Article 9, and Arizona State Consumer Protection Laws demanding the immediate and permanent removal of the following fraudulent accounts that were previously removed from my credit report and have now been unlawfully reinserted : XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION OF FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) According to the Fair Credit Reporting Act, once an account is removed due to fraud, it can not be reinserted unless the credit bureau notifies me in writing within five ( 5 ) business days and provides me with verifiable proof of reinsertion. You failed to provide this mandatory notice, renderi

ng this reinsertion unlawful. VIOLATION OF TILA 12 C.F.R. 1022.1 The Truth in Lending Act ( TILA ) mandates fair and transparent cred
it reporting. The reinsertion of fraudulent accounts without my consent, knowledge, or proper verification is a direct violation of federal lending disclosure laws. 
VIOLATION OF UCC ARTICLE 9 & FRAUDULENT REPORTING Pursuant to UCC 9-210, I demand full documentation proving the lawful assignment and ownership of these accounts. You are required to produce a legally binding contract with my verifiable signature, proving that I agreed to these accounts. Absent this, your reporting constitutes fraud and negligent misrepresentation, actionable under Arizona state law and federal law. 
VIOLATION OF ARIZONA CONSUMER FRAUD ACT A.R.S. 44-1522 Under Arizona law , knowingly misrepresenting financial obligations constitutes consumer fraud. Your failure to validate these reinserted accounts and your unlawful reporting practices violate A.R.S. 44-1522, exposing you to civil liability and damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data XXXX, CO XXXX XXXX XXXX XXXX XXXX My credit was check with out my permission by this company. It put a hard inquiry on my score. What is going on here?