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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED, Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with this for a long as I started looking at my credit since XXXX. My mother had the same name as me. Her information always came on my report. Her past employment. Addresses. Social security numbers and collections. Every time I dispute it they delete and the next day another thing of hers is on my report again. I sent out letters and my picture ID 2 weeks ago to all bureaus and XXXX XXXX Yesterday XX/XX/XXXX after I disputed addresses that belonged to her and her married name showed up on my reports. This morning my report updated that my oldest account was XXXX XXXX XXXX an education loan taken out in XXXX. I was born XXXX. Every time they delete something it comes back. I was denied a mortgage loan because it's a mess. I filed for identity theft end of XX/XX/XXXX. I put fraud alerts on my reports. XXXX I sent pictures of my social security and license to XXXX. It just keeps happening.
Product: Credit card

I applied for a Chase card on XX/XX/2023 online. The application was pended. I never got a letter on why my application was declined. I called around XX/XX/XXXX. They said the application was declined and they would send me a letter on why. I never got a letter. On XX/XX/XXXX, I got a letter saying thay Chase may have declined my application in error. And that if I was still interested, I would have to apply again. 

They never sent me a reason why it was declined. Then say I can apply again due to their error and they would ding my credit again. There has to be some regulation against this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre-approved through Experian and applied thinking this was XXXX. When I found out it wasn't I called before I even received the card and asked that it be closed. Instead they increased the limit and asked me to 'try it out. ' when it came I again called asking the card be closed and was told as long as I never used the card it would close on its own after two weeks. After two weeks I called and was told, and even received a confirmation email that the account was closed. Yet the company is claiming I made purchases on this card they they ensured me was closed and have been billing me ever since. Now my credit is damaged for missed payments to this bank that I am not responsible for. They fraudulently claim your account will close if no purchases are made but then charge an annual fee which they claim is a purchase. I have fought this with the credit bureaus and XXXX is the only one to take it off my credit report!
Product: Debt collection

I have no knowledge of the debt, my account with XXXX bureaus such as XXXX and XXXX has a fraud alert on it.
Product: Student loan

Hello, I made a payment of {$300.00} towards my account on XX/XX/2023. Mohela gave me the confirmation # XXXX. The money was taken out of my bank account on XX/XX/2023. Usually, it takes 2-3 days for the payment to process but it has been over 2 weeks and now I am being charged interest due to lack of payment. I have tried to contact Mohela via phone and email with this information and have not gotten a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a chase business credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted chase. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though chase owed me money and they were refusing to pay me so I refused to pay them. 
Chase started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with chase but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted chase to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XX/XX/XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed XX/XX/year> that an unknown account called XXXX XXXX which is a XXXXXXXX XXXX XXXX XXXX  was reporting on my Transunion and XXXX reports. I reached out to the company via email and asked what was the account. They said that the place where I rent an apartment partnered with them to report rent payments and that they only report positive history. I instructed them that positive or negative this account isn't mine and needs to be removed from my report immediately. I am a current home owner that pays a mortgage at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no rental properties. 

I disputed this account off my credit report multiple times and according to XXXX and Transunion the account was verified even though I provided proper documents. I then went to my local police department and filed a complaint and received a police report. This report along with my Drivers License, Social Security Card, Utility bill and bank statement was sent to XXXX and transunion via certified mail and received XX/XX/year>. XXXX and Transunion started a dispute and XXXX removed the fraudulent account but Transunion said it was verified once again. 

I have now file and FTC report and CFPB report in reference to Transunion continuously reporting this fraudulent account. This violates the credit bureau obligation to report true and accurate information as per The Fair Credit Reporting Act. Transunion is also in violation of Federal Law 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX. These Inquiries resulted from the theft of my identity therefore, these inquiries must be removed from my Credit File. Thank you and I am expecting an immediate action with regards to the continuous issue that I am raising.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Capital One, not a credit reporting agency. I applied for a business credit card for my small business in early XXXX. Capital One used my personal credit information to adjudge whether or not I should be given the card, which is fine. I checked my credit score before applying on Capital One 's own website ( as well as XXXX XXXX and Bank XXXX XXXX ) and it was XXXX before I applied, and after the most recent monthly update of XX/XX/XXXX. Unbelievably, I was denied the card due to what Capital One claimed was " number of delinquent past or present credit obligations ''. I immediately knew this was not accurate ( an XXXX XXXX XXXX is not possible with delinquent accounts firstly ) as I do not have, and have never had, a delinquent account. I asked Capital One for an explanation and they said " ask XXXX ''. So I pulled my XXXX report and as expected there were no past or present delinquent accounts on my report. XXXX confirmed there were none reported as well. I contacted Capital One and asked to escalate my complaint, indicating that I had the credit report they claimed to have used and it did not indicate the problem they said existed. I insisted that I speak to the person, or people, who made this decision. Capital One said I could not talk to the department involved. I again explained I had evidence of incorrect information being used to decline my application, but they refused to provide any possible way to address the problem. Further, they refused to give me an email address so I could communicate my complaint in writing. I did mail them a letter and they responded on XXXX XXXX giving me the exact same phone number to call that I had already exhausted. A circuitous stonewall with no definable outcome available. This is not how this is supposed to work. Capital One should not be able to decline my application based on made-up information, then refuse to give me a means to dispute it. Further, I am not sure how it is even ethical to reject someone with an XXXX XXXXredit scorXXXX ( it has now gone down due to Capital One 's inquiry of course ). I have attached the declination letter from Capital One, my XXXX credit report clearly showing zero delinquent accounts and a screenshot of my credit score history from the Captial One CreditWise page that shows my score at XXXX last month when I applied, as well as B of A score at XXXX at the end of XXXX and XXXX XXXX in XXXX at XXXX.
Product: Consumer Loan

. I live in XXXX.. My car loan was past due. I made a payment on XX/XX/2016. My car was taken that night. My response from XXXX on XX/XX/2016 I explained that registration was due then insurance in order to maintain the vehicle, then payment was made. He stated that payment did not post and that I would have pay XXXX plus any applicable fees in order to get my vehicle back. This would have been understandable if I was not trying to maintain the vehicle legally and made payment.I feel due to the circumstances this shiul have been handled differently. 

Thank You For Your Consideration, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a BBB report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed items on credit report, and I received a letter that stated that they would not be investigating the matter. I would really like for this matter to be resolved, but they are not even trying to fix the items, so I came to you with this.
Product: Debt collection

Capital One was served to freeze my bank accounts by a collections law firm. They did this promptly. My attorneys reached an agreement with the creditor and faxed/emailed the dissolution of garnishment to Capital One on XX/XX/XXXX. After XXXX more attempts to resend this information and several phone calls, speaking to multiple managers, my account remains frozen and I am amassing late charges with all my creditors because my funds are still frozen. One of these phone calls was from XXXX XXXX asking them to unfreeze the accounts and yet Capital One still has not complied. The firm that initiated the garnishment was on the phone with me and Capital One and requested that the accounts be released. It is now XX/XX/XXXX and my accounts are still frozen waiting for some completely unnecessary review from Capital Ones XXXX Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Best Buy 's Consumer Fraud Department, advising them that there was an account that was opened in my name that I DID NOT authorize. I explained to them that I had learned that I had been a victim of identity theft, my personal information was used to open this account at their company. At that time, I had requested that Best Buy, absolve me of all charges on this fraudulent account and to take the appropriate steps in removing this account from my credit report. 

I sent in this letter a copy of my identity theft report and the FTC notice to furnishers, which was a detailed list of the banks responsibilities as the Information furnisher. Best Buy, under this law, once advised, was suppose to STOP all reporting of the fraudulent information resulting. THIS DID NOT HAPPEN nor did they advise any of the reporting agencies that I had in fact disputed the account which violated the FCRA and the FDCPA. 

As explained under section of the 605B FCRA, it specifically states, that the information, they provide the any credit reporting agency, may be the result of identity theft. They were responsible for ceasing in providing this fraudulent information and they were suppose to ensure they did not attempt to sell or transfer the fraudulent debt to another party for collection. 
Best Buy, seems to be above the law, as I was contacted by a collection agency via mail for this debt. 

I did not receive anything from best buy, so I sent letters to the credit reporting agencies disputing the account 6 months letter as this account still haunted me. 

It wasn't until recently that I received. a letter in the mail dated XX/XX/2020 from Best Buy which stated that they had determined I as responsible for the account and that facts that I presented did not substantiate the claim. 

I placed two calls to Best Buy, one call was in regards to their letter. I had requested the original credit application baring my signature, a copy of my drivers license, social security card. I was told that it would be mailed to me and since I had no ideal of the account it would be sent for removal. I did not see the account removed from my credit reports so I called back and spoke with another representative, who stated that it was sent back to fraud because that information could not be located. I explained my situation in DETAIL to XXXX, and advised her of my initials letter in XXXX and the previous call. She stated that she saw the letter and saw the notes on the account, however she needed my police report? I questioned her regarding that, as I had sent all of the information prior. What happened to it previously? If you have the initial letter then you have the police report and my identity fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed wrong addresses that I have not lived at and that are not mine with Experian but they refused to delete them, and put me at risk of Identity Fraud. Per the XXXX XXXX XXXX XXXX, this innacurate information is damaging my credit, my name, and my reputation. 

My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX. 

So remove the following addresses : 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

Wells Fargo has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the   XXXX   hard pulls on my account. Wells Fargo refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

While checking my Discover credit card Activity, I noticed an Unauthorized Balance Transfer of {$500.00} Posted on XX/XX/XXXX  made as Miscellaneous. Which I did not authorized or consent to initiate the charged. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the balance Transfer Charge without permission. I request that your company either mail me a copy of my signed authorization form that gave you the right or Permission for this Miscellaneous Balance Transfer of {$500.00} that posted oXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been affected by the 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. Please remove the following accounts from my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Here is the list items which do not belong to me or were opened without my permission. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX