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

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXXwas the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX  XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  wrote this loan off in XX/XX/XXXX Since then they have continued to add accrued interest and fees to the loan increasing the balance and continue to report as new activity each month even though it reflects a date of last activity from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report information that is erroneous as well as harass, annoy, discriminately put information that is has no accuracy, intimate me. And/or use credit score models that are not correct and/or reflect my creditworthiness. Causing suffering and damage 's.
Product: Mortgage

Mortgage company said they could close my loan this Friday. They indicated this and locked the loan in on  XXXX . They are now denying that they knew about the  XXXX / XXXX / 17  close date and will not compensate me for damages that has resulted in this. I now have to pay to keep a truck longer. Pay movers to move the date to unload. I will be out of town so now I will have to have the truck monitored so there is no theft. Countless other little and large things to add to all of this. Attached is proof that they knew about the close date. I 'm sure they will keep fighting this from what they said to me on the phone that it 's not their fault but I have everything documented and can bolster any argument on my side showing my due diligence and their lack of following up.
Product: Debt collection

First financial resource is a debt collector is refusing to delete this debt off of my credit report. I have informed multiple times that this debt is a result of XXXX XXXX. 

I even sent them a copy of the police report filed against the original creditor XXXX XXXX XXXX XXXX. they have failed to provide any changes, they are still stating that I owe the debt and it needs to be paid. 

I have disputed the collection with XXXX, XXXX, and XXXX. They only provided that the result account is verified and accurate which I informed them that this account is an act of identity theft. 

This is stoping me for the use of my credit worthyness. I am not able to move into a home forcing me to stay with family. Im not able t purchase a vehicle forcing me to use ride share to get to and from work due to being denied credit for an auto loan. 


which is a violation of my consumer rights according to 15 U.S. code 1681a ( q ) ( 3 )
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXXXXXX XXXX XXXX XXXX  - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX  - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting A
ct Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

I requested that XXXX, XXXX as well as Experian to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 

15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate.

Lastly, they are not in compliance with Metro 2 Credit Reporting
Product: Student loan

Submit a request to loan servicing company to apply excess payment to principal. Request was denied as it was against policy.
Product: Credit reporting or other personal consumer reports

i have unauthorized accounts and inquiries on my credit report that were not opened by me. 
unauthorized accounts XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$480.00} XXXX  XXXX ( XXXX ) {$4500.00} XXXX XXXX  XXXX XXXX XXXX ) {$1000.00} XXXX ( XXXX ) {$1600.00} unauthorized inquiries XXXX  ( finance ) ( XXXX ) XXXX XXXX ( finance ) ( XXXX ) XXXX  ( finance ) ( XXXX ) XXXX  ( finance ) ( XXXX ) Premuim Moto ( finance ) ( XXXX ) XXXX ( finance ) ( XXXX ) XXXX XXXX ( finance ) ( XXXX ) XXXX XXXX  XXXX ( bank ) ( XXXX ) XXXX XXXX ( auto ) ( XXXX ) XXXX XXXX  ( bank ) ( XXXX ) XXXX  ( finance ) ( XXXX )
Product: Credit card or prepaid card

Capit al one, a credit card company closed my credit card account due to " principal owner have past, present or pending legal action ''. I am   XXXX   a three year    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   for between  XXXX . Can a credit card company close my account due to that reason?. On what legal ground can they close my account, I believe I have paid my dues to the society and I am trying to get a fresh start and rebuild of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021. I sent a letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Checking or savings account

My account was debited XXXX XXXX monthly service fees until the balance was negative and the account was closed without my knowledge. I never received any statements for this account and I was not aware of the XXXX XXXX monthly service fee. I was told that the monthly service fee was not applicable as it was linked to my other accounts. This is not fair and I don't like what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous Credit Score with all agencies was between XXXX and XXXX. 

On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX. 

I have disputed the negative claim by Chrysler because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with Chrsyler Capital with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. Chrysler was able to extend the lease online to XX/XX/2021. 
Before the end of the lease, I called Chrysler to provide the payoff amount and mailed a bank check that was cashed by Chrysler on XX/XX/XXXX ( This included the last payment ). Chrysler never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account. 
It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase. 
I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed.

I started a dispute with both Chrsyler and reported it also to XXXX but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Over the past three months, I have carefully monitored the activities of three credit reporting agencies, i.e., Experian, XXXX, and XXXX. Much to my surprise, Experian stood out with a significantly low credit report while to other reporting bureaus was pretty much consistent with each other. Upon contacting Experian and registering online, they provided some misleading information which appeared to be a mechanism designed to gouge consumers. 

For example, Experian provided a credit report at the XXXX while the other two reporting agencies had XXXX XXXX and XXXX XXXX respectively, which translates to a difference of 58 points. Experian then provides a membership that includes compelling consumers to explore boosting their credit scores. Interestingly, my credit to income ratio does not appear to correct. On more than two occasions, this was pointed out to them, yet they continue to ignore specifics. 

Us consumers are being held hostage by these types of predatory credit bureaus that develop these platforms to extort money from the consumers. The questions that need to be asked ; how often do credit bureaus face any form of audits? Precisely who monitor activities to ensure consumers are protected? If I pay for my membership with Experian, what government agencies scrutinize the bureaus to ensure they are providing the services they claim to provide? 

I intend to send an official complaint to the United States Congress requesting the appointment of a special counsel to evaluate and audit credit bureaus. The audit can determine if indeed credit bureaus have indulged in unsavory practices. I am confident that after careful examination, it will conclude unethical practices as well as platforms designed to gouge consumers under pretenses. 

Your favorable attention to this matter will be much appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

There are two companies which appear on my credit reports which I have requested via mail and certified mail for them to provide me with information that these services were provided and approved by me. One of them, which services supposedly occurred in XX/XX/XXXX since XX/XX/XXXX, the other which services supposedly occurred in XX/XX/XXXX since month of May. Neither of them have provided any information they continue to send me a bill that states these are my accounts but no further information to prove they are mine. Naturally, it has almost been 7 years and I can not recall if they are truly mine or even what they are for as they do not provide any details. I have written also to all three collection bureaus and nothing has occurred, until I spoke today with XXXX who advised I should file a complaint with the FDC which re-routed to you. My credit is heavily impacted by these accounts who I believe unless they prove otherwise are fraudulent and thereby causing me frustration, undue XXXX and limiting my credit abilities. I ask humbly for your assistance and intervention. I frankly do not understand why the bureaus are not asking for confirmation of the accounts prior to allowing them to show on the reports hurting all consumers. I appreciate anything you can do to assist. Thank you.
Product: Credit reporting or other personal consumer reports

Formal dispute XXXX XXXX  XXXX I am writing to formally dispute inaccurate information on my credit report related to my XXXX XXXXXXXX account XXXX that several discrepancies in the reporting of this account violate my rights under the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation to correct these issues. 

The following inconsistencies appear on my report across XXXX, XXXX, and Equifax : Date open on XXXX different from XXXX and XXXX Reported, all 3 have different dates, date last active and date last payment for Equifax different. 

This inconsistency suggests that inaccurate information is being reported, which could harm my creditworthiness. 

Reinvestigate the completeness of every piece of information and if its not accurate, please delete account.
Product: Credit reporting or other personal consumer reports

I'm requesting your assistance to address remaining inaccuracies in my credit report attributed to fraudulent activities. Despite previous efforts, there are still entries that require removal in adherence to FCRA Section 605b. My preference is to resolve this matter without legal intervention, hence my appeal for compliance with applicable laws. I urge the elimination of the entries listed below, which I assert were established fraudulently, without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Should these items be claimed as accurate and verifiable, I request copies of any documents bearing my signature linked to these accounts, which I believe do not exist. Lacking such evidence, I insist on the immediate deletion of these entries from my credit file. Note, a four-business-day window is provided to rectify these discrepancies as mandated by law. I oppose any automated verification processes, including E-OSCAR.
Product: Checking or savings account

I am an XXXX citizen, at the end of XXXX XXXX  I wanted to close my bank account at Bank of America. I wired my remaining money to my XXXX bank account and after that I called customer service to close my account. I made XXXX transaction XXXX did arrive to my XXXX bank account but the second was rejected and I was being issued a check. Unfortunatelly n the XXXX XXXX banks don't cash checks anymore, so Bank of America rules should be changed in case of overseas customers, because if they send a check to XXXX it doesn't worth a XXXX. Anyway I waited almost half a year, the check has never arrived to my address. I had no choice but to buy a ticket to XXXX XXXX from XXXX because in customer service I had no trust anymore, and I can not use check in XXXX. In XXXX I went to Bank of America to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  ) but unfortunately the information I was being told was not correct again! The employee didn't answer to my questions about my check whereabout, and also he told me that I can only get another check in 7-10 business days which is incorrect because in urgent cases it can be done in 2-3 business days. He also told me another incorrect information, that I can open a Bank of America bank account and cash the check using their app if I am in XXXX, despite I told him I don't live in XXXX, don't have XXXX  address therefore it's not possible to open a Bank of America bank account. This employee issued another check to the place I stayed in XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX  ), despite he knew I was not going to able to receive, since I could only stay few more days. Right now I can only call their customer service again and ask them to mail the check to my XXXX address, but I doubt they will mail it, and even if they did, I can not cash it. 

My complaint is, I could reslve my issue and receive and cash my check, but of this employees mistake I am unable to get my money back and I wasted my time and money for nothing.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My name is XXXX XXXX and give authorization for the CFPB and Hunter Warfield to move forward with this complaint. I do not have a trilateral contract with my signature with the company Hunter Warfield Inc and XXXX XXXX XXXX XXXX XXXX. Hunter Warfield Inc have invaded my individual privacy. I did not give direct permission to Hunter Warfield Inc to use my location information to contact me and they contacted me on XX/XX/2022 and XX/XX/2022 at an inconvenient time. No consent was given prior for the debt collector to use my location information more than once and stating I owe an alleged debt. Hunter Warfield is not to state I owe an alleged debt. Hunter Warfield never stated they were confirming or correcting my location information. I am a consumer, I have a place of abode that's my location information that I did not give permission to Hunter Warfield.
Product: Credit reporting or other personal consumer reports

I submitted accounts to all XXXX credit bureaus to investigate accounts on my credit report. Each account came back as verified by all XXXX bureaus. However, the credit bureaus failed to do their due diligence in verifying the accounts, as they were no changes made to any of the accounts and they still appear as they did before the dispute- with numerous inaccuracies across the board.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone apply for a credit card XXXX XXXX XXXX using the name XXXX XXXX. On XX/XX/XXXX I reported the credit card aplicarion as Fraud and they were able to withdraw the application and was not granted. 

On XX/XX/XXXX, someone apply for prepaid debit card XXXX XXXX XXXXXXXX XXXX, using a different email address and set up a pin i dont use. XXXX XXXX was not able to provide email address that was used. The name that was used was XXXX XXXX. 

My personal checking account XXXX XXXX union was compromised twice, {$80.00} charge by XXXX XXXX this is a wire transfer company, fraud company.