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

When doing investigate everything came back accurate. I thought. When I check my credit report I have negative information that is now close but inaccurate reporting on all XXXX bureaus. I have dates wrong, dates when my account close, and balance, and close account that is still being paid on when it should be closed. I have not gave no XXXX permission to pass my information all to collection agency. I have been patience and trusting the process. 
Here are the account that need to be investigate again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account has false information report on my credit report. Could you confirm to me everything accurateon my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ) .This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX*, DPT EDXXXX XXXX , DPT EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act this creditor has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) .I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report.

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX request an immediate XXXX XXXX the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached ID theft report and FTC report for three remaining inquires that are fraudulent and not authorized on my credit. 1 ) XXXX XXXX XX/XX/2017 2 ) XXXX XXXX XX/XX/2017 and 3 ) XXXX XXXX   XX/XX/2017 thanks these are the remainder of identity theft items
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

On XX/XX/XXXX, I obtained {$68000.00} equity line of credit from XXXX XXXX XXXX and I spent only {$25000.00} out of the approved amount before the account was blocked. I paid interest on the amount of {$25000.00} auto draft regularly until XX/XX/XXXX when i filed chapter XXXX bankruptcy. Sometime, in XXXX during my bankruptcy XXXX XXXX XXXX simultaneously assigned the loan to XXXX XXXX and XXXX XXXX not in its individual capacity but solely. On XXXX, XXXX XXXX obtained a judgment for {$42000.00} which i appealed. Suddenly, Rushmore loan management company claimed to be in charge of the mortgage that was already litigated and appealed. Currently Rushmore loan management services are demanding {$57000.00} and began to send me statements as if I holds a mortgage note with them. On XX/XX/XXXX, Rushmore loan management services planned to sell the property through a sheriff sales. Meanwhile, Rushmore loan management services suddenly showed up and simply want to defraud and take advantage of my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON OR AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR XXXX XXXX HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE IMMEDIATELY.
Product: Debt collection

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I'm giving you XXXX more chance to handle my request regarding the identity theft event. If I don't follow through on this, I'll be forced to take legal action in court and hold you accountable for the harm you have done to my credit, reputation, and emotional distress as a result of this. It's very likely that the real material facts will come to light and you'll be made to pay for your carelessness. 

I request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account with XXXX XXXX that 's not even suppose to be mine or on my report period. I spoke with XXXX XXXX XXXX and I do not have an account with them
Product: Payday loan, title loan, personal loan, or advance loan

An account was made that I didnt apply for that goes by the name of Netcredut was opened for a loan of $ XXXX and something and has been charging me {$100.00} every two weeks for it and have been getting money withdrawn from my bank account
Product: Bank account or service

I tried to open the account with CIT Bank. Even after providing all the information on the online application page - it 's just not even moving any further. So many other consumers are also facing the same issue due to the terrible website that they are having. Called them thrice yesterday about this issue and they ca n't fix it. There is no other way to open the account with CIT Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$5600.00}, {$2100.00}, {$4800.00}, {$830.00}, {$0.00}, {$47000.00}, {$0.00}, {$13000.00}, {$200.00}, {$3100.00}, {$6600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

5. XXXX XXXX USA/TARGETCRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$47000.00} -This is not my account. 

8. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. I. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

11. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account.
Product: Debt collection

I continue to receive calls from a debt collector " XXXX XXXX XXXX XXXX '' after telling them that I do not own the debt and after telling them to stop contacting me. But the calls continue and are non stopping.
Product: Debt collection

I was paying the credits cards, up until covid occurred and my job was shut down, so due to no income I was unable to make any payment! I notified companies to let them know due to covid I was out of work, they said they would charged off, but other companies brought the debt!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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. 

Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This was put on my Credit Report on XXXXas a Charge Off. I received a letter stating that I have no further obligations regarding this account on XX/XX/2023 and still since then until now it has still been reporting on all XXXX of my Credit Reports. Why is they still reporting it if it doesnt belong to me or if it shouldnt be on my Credit Report?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report that lead me to find that there is suspicious activity occurring. There is an account opened with Bank of America and it is not mine. I have called to talk to Bank of America and they have no recollection of this on their end. Please help
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a contract after filing an identity thief claim on XX/XX/XXXX after reviewing my credit report and seeing an account I did not authorize. I informed the credit bureaus and the third party account holder that the account was not mine. I sent them the police report and a day later they informed me the account was mine and that I was responsible. I re-informed the third party account holder that the very contract they sent me as proof was not signed by me and that their sources singed it and illegally printed my signature on the document. That amount of this debt XXXX   The assignor was Automobile client file no.XXXX XXXX   ACCOUNT : XXXX. Date assigned XX/XX/XXXX.
Product: Vehicle loan or lease

I have contacted Santander Consumer USA of my payments being applied to late fees, miscellaneous charges and specifically interest charges on my account. I started my car loan with them on XXXX of XXXX and my account defaulted because of missed payments and was charged off by Santander XXXX on XXXX of XXXX. Since the beginning of XXXX I have made my payments more than the monthly payment and {$1900.00} of my payments have been applied to interest charges alone. I contacted Santander in regards to my payments and I was told that all my payments should only be applied to the principal since my account was in collections and it was charged off. Also that the payments are not being applied to interest but to late fees, this is not accurate at all compared to the information on my account. I am assuming Santander Consumer made a mistake and incorrectly applied my payments to interest charges and late fees since they assured me that all payments from XX/XX/XXXX forward are being applied to my principal balance on this account that is in debt collection. I ask that Santander Consumer USA redirect any payments applied to interest, late fees and miscellaneous charges be applied to the principal balance.
Product: Credit reporting or other personal consumer reports

XXXX is the current servicer for my federal student loans. These federal student loans have not been actively collected on in over a year and are over XXXX XXXX XXXX. On or about early XX/XX/2023, I received a 1099-C, canceling the debt. Thus XXXX should not be continue to report these student loans on my credit report and should update my account and credit report immediately to reflect the debt being canceled.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX - extortion A person who shall willfully, by making false charges against another person or by any other means whatsoever, extort or attempt to extort any moneys, goods, property or anything else of value, shall be guilty of extortion. A misdemeanor
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from Discover financial service. On XX/XX/2017 I discover the fraudulent account and contact Discover with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX   woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the XXXX part but good at writing or reading. Soon I discovered what happens, contact Discover financial services for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from Discover, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a XXXX XXXX making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.Discover have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.
Product: Checking or savings account

On XX/XX/XXXX I was on my break at work. I looked my email and saw that I was being notified about a XXXX item I purchased and the email had the XXXX logo. I reacted and callled the XXXX number on the Email. I said that I was reading I was being billed approx. {$1600.00}. I called the XXXX number in the email and spoke to a man who said he could help I explained that I had not charged anything and that charge was not me. He said that he could help, and if I could download an app. to add the number XXXX, he instucted also me to enter XXXX and that security would to located the problem and the money for the computer hardware or something like that, would be returned to my XXXX account. During this conversation Detective XXXX XXXX from XXXX PD and whom I work with over heard the conversation and said to hang up its a scam. He also, took the phone to ask questions and to figure out where the call may really be coming then hung up the telephone. I called XXXX and they said the had no record of anything be purchaged on my account. That's when I realized I had been scammed. I immeditately went called the bank and then went to the Branch to close my existing card and was given a temporary card. After that I kept looking at my account and say that {$490.00} was being processed and called and ask them to stop the transfer, and was told they could not. I asked to be covered as in the past when I lost my card or when it was stolen from my purse and used at XXXX. I asked if I needed sign and affivdavit, and was told the bank no longer uses affividavit or signatures. 

I waited until the day I was supposed to be refunded back to my account and called. At which time I was informed I was not getting my money because I signed an E signature which means I was a part of the scam. I explainded I work with the XXXX PD. XXXX  XXXX XXXX walked in when and heard my conversation told me to hang up it's a scam. 
I also spoke to 2 different supervisors at Peoples United Bank who both said the decision was final because I E signed. I told them the man told me to enter XXXX and I did not connect that with a signature and I was not giving permission to just give my earnings away. I was under duress becasue realized I had been scammed.
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 on my account. The account is hurting my ability to obtain credit. Is my understanding that Credit Agencies will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX  ACCOUNT # XXXX under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure 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 the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture 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
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, Original Creditor, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX