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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. 

If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Debt collection

The private student loan debt they are trying to collect on is under XXXX XXXX XXXX but then the law firm of firm Weltman, Weinberg, and Reis has the owner name of XXXX XXXX XXXX. They did not send any actual paperwork that actually proves that XXXX XXXX XXXX actually owns the debt, the sent paperwork that also had XXXX XXXX XXXX and XXXX XXXX XXXX. The paperwork is very confusing because it does not show the process of how XXXX XXXX XXXX purchased and when the account first went into delinquency status which I asked for. I asked for proof of the statute of limitations of this. XXXX XXXX XXXX has gotten into trouble for this before because I asked XXXX back on XXXX and XXXX of this year to send the validation of debt but instead on XXXX/XXXX/16, the matter was sent over to a collection law firm. XXXX XXXX XXXX does not have the right to collect on the debt based on the proof that I have.
Product: Credit card or prepaid card

I applied for t he Chase  XXXX  cre dit card several months ago and met all the requirements for the bonus. I also added an authorized user, and according to the terms that same authorized user made at leas t 1 p urchase and I was supposed to get  XXXX   XXXX   XXXX  for this. I never receive these authorized user points. At first they told me I did not qualify for it and told me to add another authorized user. After they did actual research on this, they realized i did indeed have an authorized user and that he made  1 pur chase on the card and that I should be receiving the  XXXX   XXXX   XXXX  on my account by  XXXX / XXXX / 2017 . Its  XXXX / XXXX / 2017 , my statement posted and no  XXXX  points. This is super frustrating because I followed the terms completely and I am trying to book a trip this   XXXX   and I ca n't because they wont give me the  XXXX  points that I deserved according to the terms and conditions. They need to give me the  XXXX  points and figure out a way to make this up asap.
Product: Credit reporting or other personal consumer reports

The date of the first delinquency that you have does not match the date that I have. I have under 15 USC1681BE, you must provide maximum possible accuracy and I'm taking into consideration that the CFPB is suing you as well. I'm also requesting full disclosure of XXXX of my profile.
Product: Checking or savings account

The TD bank debit card number was stolen to make fraudulent charges from XXXX. I filed my first complaint of XXXX charges I believed were fraudulent on XX/XX/XXXX : Date Bank XXXX Account Number Transaction Type Description Debit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$69.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * WA {$280.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX * WA {$17.00} Today I received a letter from TD bank stating that their review concluded that an error did not occur and the reason given is that similar transactions were authorized by me and the spending pattern was consistent with previous account history. 

Although the charges XXXX look legit on my banking statement, they WERE NOT mine. I want the bank to provide proof that the XXXX account that made these purchases were owned by me, because I checked my account and they are not on there. I lost over {$1700.00} dollars right before XXXX, I have been a loyal TD bank customer for over 25 years. Their denial of my claim without a sufficient explanation or providing sufficient proof is unacceptable.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX regarding a report they made to Transunion and XXXX in XX/XX/XXXX stating I was delinquent 4 months on my mortgage. The Mortgage had been paid in full under mortgage consolidation terms of XXXX on XX/XX/XXXX. XXXX XXXX denies doing this, however, XXXX and Transunion have the negative reporting. I don't know who's lying or who did what, but the negative hit is on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax directly. I monitor my credit score weekly through XXXX XXXX. My credit score has continued to improve all the time with no negative activity in several years. My XXXX   and Equifax scores have continuously risen at about the same pace and have for several months to a year or more, and have, until recently, shown scores near 720. Suddenly, with no new negative activity, Equifax has dropped my score to XXXX with no explanation as to why. The red negative arrow shows a 30 point drop and its only reason shows my amount of available credit on ONE credit card. The monthly payments are always made and the balanace has continued to decrease. No new transactions have been made. XXXX  still shows my score at XXXX. There is no reason for the Equifax drop and it is nearly impossible to inquire about or dispute in an open discussion like this complaint form that Im currently writing on. 
Hopefully, there is something you can do about this as I want my score back. Thanks for any help you can provide.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reported credit report errors. It's been over 60 days with no response. I demand action or will pursue legal steps, especially given the XXXX breach.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 Account name XXXX account # XXXX has violated my rights Account name XXXX XXXX account # XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction.

15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I look at my credit report and saw that they were XXXX accounts open in my name that was not mine. So i called the bank to closed the accounts and to remove them from my credit report and they said they would remove them and close the accounts. NOW the accounts are close but are not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia XXXX never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is XXXX credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on XXXX they fell into remove all other credit bureaus remove the stuff because it's not me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX XXXX XXXX Account Number XXXX These accounts are inaccurate due to the facts on the documents that are attached. 

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A states I have the rights to privacy.
Product: Credit card or prepaid card

My Citi Sears credit card will Not allow me to cancel the auto pay and have lied to me about the Auto pay on my account. 
I am a XXXX Vet, I was injured during service and bypassed a medical leave to reunite with my squad in XXXX. I could have went home but chose to fight for our country despite my injuries. I was injured again but survived and proudly witnessed the end to a horrific time in our history. I have NO regrets for my sacrifices for our country during that era. I was proud to have served. Sadly, the things I have witnessed over the last decade, particularly how corporations ignore regulations, provide false information, harass and take advantage of citizens has sickened me. I can say I would not my life for todays America. The world has always had its fair share of greed and bad behavior. But today 's America the way these corporate greedy and ungrateful board members, Executives and employees seem to have no moral responsibility is like nothing I have ever witnessed in my 9 decades. 

All I wanted to do is cancel the auto pay to my Citi Sears Mastercard, The first attempt a rep gave me untruthful information. On the second request Citi lied to me again and even made the statement that their FRAUD dept. had initiated the auto pay without my person and are trying to take over {$2000.00} out of my checking account, again without my permission. 
Here is a story the local news did on me. https : XXXX It seems Citi bank has limited my online ability to schedule our cancel payments, The link which is available for others has been taken away for me. I have no idea why Citi bank is doing this to me and why they would lie to me. Maybe they are worried I will die soon, isn't this age discrimination? I am very healthy and have every intention of being around for the next decade, all my siblings and family members lived long lives. I will be sending a copy of this directly to the CEO of Citi bank so he can not say he was not aware of this unconscionable behavior by his company,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deleting Accounts Due to Data Breach I am writing to inform you that I am a victim of a recent data breach, and I am requesting that the following accounts be blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Please find the details of the affected accounts below XXXX 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

Equifax are not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!
Product: Credit reporting or other personal consumer reports

I am writing to address the persistent presence of fraudulent items on my credit report and to request immediate action to have them removed. I have made previous attempts to address this issue through your dispute resolution process, submitting disputes. However, despite my efforts, the fraudulent items remain unresolved, negatively impacting my creditworthiness and causing undue stress. 

As a responsible consumer, I am committed to maintaining an accurate credit report and ensuring the integrity of the information it contains. Therefore, I kindly request a thorough investigation into the fraudulent items and immediate action to have them removed from my credit report. Additionally, I seek transparency regarding the steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request that XXXX XXXX and remove specific fraudulent accounts from my credit report as provided under 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft connected to the recent data breach, which has resulted in unauthorized accounts being opened in my name. 
The accounts I am requesting to be blocked and deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I have included copies of my identity theft report, identification documents, and any other relevant supporting materials to assist in processing this request. 
I appreciate your prompt attention to this matter and look forward to confirmation of the removal of these fraudulent accounts. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I have recently had a negative impact on my credit score and I seen it was a collection company who had contacted me about a year ago saying I owed money from a loan I supposedly took out in 2009 according to the caller. They recently called again about a month ago saying similar things so I assume it was some sort of scam. My address they had listed in XXXX WI. I have never been there let alone lived there. I've tried disputing this with experian but that went nowhere. I haven't been contacted by these people in the past 14 years and all of a sudden they are trying to collect a debt I know nothing about. A loan from 2009 with an address I've never lived at. Something is not right here and it now appears on my credit report as the cbe group. I have no correspondence paperwork or anything from them to include in this. They have never sent me a thing.
Product: Credit reporting or other personal consumer reports

Fabco is reporting an eviction filing that was dismissed and removed from court record because the management company filed an unlawful fraudulent filing. They are telling me it doesn't matter that it will remain on my record for 7 years which is preventing me from getting a place now. I'm already suing the management company for the fraudulent things that they did and are still retaliating against me. Now they are trying to say I owe money for some bogus charges from the move out. They said they sent a letter out but why would you send a letter to an address you know I moved out from. So now in a battle with disputing these charges. They sent all kind of bogus pictures but where is the receipt for this bill u claim u paid. I tried to pay my rent the next day after i moved out and the online access was locked. hen i called the rental office she said just wait till you get your move out inspection notification. I said I'm not paying a late fee but once again it has been added. The judge who ruled on the case keeps telling them my bills in my name does not reflect as part of my rental lease. whatever bills I have been separate and are mine. So once again they are claiming they paid a bill. When we went to court, they claim the same thing and the water company never receive a payment and they stole money out of my rent payment. The money to this day was never found and everybody acted like they didn't know where it was. This whole company XXXX XXXX and the XXXXXXXX XXXX is very unprofessional and fraudulent. The people in the office do what they want to do, and the corporate office isn't very much any better or of any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal and credit profile information were obtained as part of the XXXX XXXX breach of the Equifax database. This was verified on the Equifax website today, XXXX XXXX, XXXX. This is extremely disconcerting and as an individual who spent the last 18 months rebuilding my credit, very frustrating. The delay in letting customers know of the breach is also unacceptable. 

I do not know what impact this has had, or will have on my credit, but I was hoping to purchase my first home next year. Should my identify be used fraudulently, I ca n't imagine what impact this could have on plans for my family or future.
Product: Mortgage

Is it lawful for XXXX XXXX  to forclose on our homestead without the note or abstract deed? 
In Your Firm, With Great Concerns, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Companies : XXXX, Equifax, and XXXX credit bureau. 

I have pulled my credit with all three bureaus and sent each a letter disputing inaccurate information. It has been over Thurs days since each bureau was sent a letter of dispute and no actions have been taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all should not be on my credit report.
Product: Credit reporting or other personal consumer reports

This is a formal cease and desist letter that is associated with the XXXX XXXX account ( XXXX ). This account has been incorrectly reported as an incomplete and not reported information. Meanwhile, XXXX was continuously reporting a charged off status, which is not only misleading but also violates the Fair Credit Reporting Act. 

XXXX has already recognized the inaccuracies with this account and removed it from my credit report. So, Transunion must delete this account from my credit profile to ensure that my credit report reflects accurate and up-to-date information. 

I hereby request that Transunion cease and desist from reporting the inaccurate XXXX XXXX XXXX account on my credit report immediately. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. Transunion will be held liable for damages for publishing on my consumer report as well.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX