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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX, XXXX, and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX CT XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance XXXX {$940.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXX  XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX XXXX : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the process of rental home search I went to check my credit score. I noticed it XXXX points lower than 6 months ago. 

Investigatom reveals an abundance of inknkwn and unauthorized soft inquies. Additional research confirm my data was leaked in the XXXX XXXX XXXX XXXX data breaches
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX has violated my rights as a consumer by failing to validate a debt at my request and continuing to report to ALL 3 CREDIT BUREAUS the disputed debt to the CRA. These are clear violations of both the FDCPS the FCRA. I gave them legal time of 30 days to complete this, they refuse to do so. The credit is causing damage to my character, because of they failed to investigate this account properly, the are in DEFAULT. 
XXXX # XXXX AMOUNT # XXXX
Product: Payday loan, title loan, or personal loan

I have made several attempts to have Self lending submit the agreement with a signature to me and they have failed to do so. All correspondence has been between XXXX and XX/XX/XXXX. Unless they can send the documentation with my signature, I would like the report removed from my file immediately.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 1XXXX U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Debt collection

I sent a letter to XXXX asking for the original bill from the original debt collector for the debt they are trying to collect and I never received it. I can not verify it is my debt without the original bill from the original creditor. They sent a generic letter in response to my letter stating they verified with the original creditor that it is my bill. But I have no proof that they did.
Product: Credit card

XX/XX/year> -- completed capital one offer for XXXX miles, paid {$16.00} for purchase of XXXX subscription, miles not given XX/XX/year> -- completed cap one offer for XXXX miles, paid {$16.00} for purchase of XXXX and XXXX XXXX miles not given XX/XX/year> -- completed cap one offer for XXXXXXXX miles, paid {$12.00} for XXXXXXXX XXXX miles not given XX/XX/year> -- completed cap one offer for XXXX miles, paid XXXX for subscription, miles not given
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read through my credit report provided by you and cant seem to make sense of this data you report. I need your help and would appreciate expedited investigation on this. 

A collection is late by default and therefore can not report a late payment. Remove account for violation. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number:XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( HIPPA code ) This is a collection/charge off how can there be a late payment on it? This a Violation. Delete this account immediately.
Product: Credit reporting or other personal consumer reports

Some of my debts were removed off of my credit a long time ago. And recently one of my old accounts were resold and made to look as if i just opened the account as new which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this as a follow-up to my earlier request that I have been a victim of Identity Theft and no one seems to care and acknowledge it. I am including the disputed items on this complaint so that you will be clarified to remove these certain items. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, XXXX  XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. One of the more serious complaints I made with the credit bureaus is the XXXX  XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have a 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: Debt collection

I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that Real Time Resolutions Inc.is trying to collect {$2300.00} for XXXX. I recently received my credit report and it states Real Time Resolutions Inc. opened a collection on XXXX XXXX. I opened a payday loan with XXXX the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. XXXX replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According XXXX, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can Real Time Resolutions, Inc. open an account after 4 years of opening?
Product: Credit card

I sent a check for {$1300.00} to pay off the balance on my discovercard. AFTER I verified that it was paid in full XXXX days after the check was cashed, I notified my bill pay service ( XXXX ) to pay the entire balance monthly in the future. For reasons I do not understand another check was sent for the same amount. This is what the bill payment company was advised was the balance. I called discovercard and was told that it would be XXXX weeks before they could return the minus balance to me. I am a widow on a fixed income and that would be hard for me, which I explained. The rep said she would send a request for a review for a lower interest rate which I did Not ask for. I suggested that I get a cash advance and deposit it in my checking account. She said that was a good idea but they would charge XXXX % ( about {$70.00} ) to retrieve my own money, I was not asking for a credit advance from them. I felt that I had no choice but to do this. I have had an account with them since XX/XX/1987. If I was asking for an advance of their money I would gladly pay.. but this was a minus balance that they never should have taken from my checking account. Then I received a rude letter declining to lower my interest rate for bogus reasons, ( remember I did not ask for this ) and they had made an inquiry without my permission which I think effects my credit. My communications have been curt as though I never should have expected a timely refund of my own funds. I am closing my account with them, they do not care. I have a {$10000.00}. limit with them which indicates they thought I was credit worthy. I expect nothing but wish to " tell someone '' and you are it! XXXX
Product: Debt collection

Himy name is XXXX XXXX XXXXI have a problem some one used my information to order phone 's and to get credit card online form the bank 's ... I have XXXX opened accountsI do n't no who opened ..please can you help meI have a prove for the stautoin the prove issince XXXX/XXXX/2012 until nowI 'm not in America. I XXXX out since 2012. Please I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for a copy of my consumer report several times over the past 2 months. They keep claiming they hwv3 sent me a letter and then they will provide my with my report after I receive it. 

Then they send an email and ask that I verify my email address. 

3 steps to get a report that I haven't been able to receive still at this current time. 

My rights are being violated and I am unable to acquire the proper financing to support myself and my family. I have attached the adverse action notice.
Product: Checking or savings account

I went to Chase bank and deposited two checks via the atm machine that was inside the bank. The atm machine made strange noises and then a message appeared on the screen that one of my checks couldnt be read, however the machine did not return my check. Then a message appears on the screen that theres a problem and I should call the number on the receipt that will print out. The receipt printed with a number to call. I immediately went to the bank teller to report what occurred and was told theres nothing they could do and to call the number on the receipt. I was distraught because I deposited two checks, only one was imaged and no money was deposited in my account. My checks were stuck in the atm machine inside the bank yet the bank was being very nonchalant and unhelpful. I called the number on the receipt and a claim was opened for me but I still was not able to access my funds. I was on my lunch break and I didnt want to leave without my checks. I was told it could take months for an investigation and no one could open the atm to retrieve my checks. The phone representative hung up in my face after I asked to speak with a manager. I called back again and this time the representative said they were unable to credit my funds because the atm only imaged one of the checks. The atm imaged the insurance check for {$290.00} but not my XXXX check for {$4300.00}! The bank should not be allowed to take my money at no fault of my own, and not be accountable for faulty atm machines! My livelihood was disrupted! XXXX XXXX out and XXXX. This ordeal is very upsetting and I feel like I was robbed by chase bank!
Product: Credit card or prepaid card

The bank converted my credit card statements from paper to electronic without my consent. I was charged {$610.00} in interest from BofA on my credit card cash advance. and had the bank not done this, I would have been able to monitor the APR expiration date. I like to get my papers statements to see what is going on with my accounts. On XX/XX/XXXX, I paid of my card to avoid any more interest charged on this account.. 

This is an unfair and deceptive practice of the bank to convert someone from paper to electronic statements without consent. I'm requsting the bank as a courtesy to reimburse the interest charged of {$610.00}. 

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

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$8700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are not mines and do not belong to me. these items are identity theft and I am asking that they are removed as the addresses and name does not matchXX/XX/XXXXXXXX BANK {$1000.00} Account number XXXX and XX/XX/XXXX BANK XXXX {$560.00} XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XX/XX/XXXX Original creditor : XX/XX/XXXX XX/XX/XXXX Account number XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all XXXX credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 my auto loan was removed from credit report dropping my score by -9 pts. Im very angry I requested a dispute for inaccurate balance showing on my report for the auto loan. I didnt ask for it to be removed because it was in good standing. The auto company is XXXX XXXX XXXX. The balance they have on my report is XXXX and my balance is XXXX. I pay my monthly installment on time every month, but its not updating continuously. Please put my XXXX XXXX XXXX back on my report. This is my second or third time disputing the inaccuracies on my account and its not right. I pay my car payment on time, so I should receive credit for on time payments and since the account was removed my score was impacted negatively. Please return the loan back on my credit report ; it was already on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit cards with XXXX XXXX  both cards show closed on my credit report. I've repeatedly disputed that they are open and in good standing and sent statements showing they are open. I've called XXXX XXXX  and was promised a letter stating they are open but I've never received a letter. I have been disputing this issue for over 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$6700.00}
Product: Credit card or prepaid card

HAVE COSTCO VISA CARD WITH CITI BANK. THREE ORDERS WERE CANCELED BY COSTCO. HOWEVER PENDING CHARGES STILL SHOW ON MY CREDIT CARD FOR OVER {$3700.00}. HAVE SPENT HOURS ON PHONE WITH COSTCO AND CITI. 
COSTCO SAYS THEY RELEASED CHARGES. CITI REFUSES TO RELEASE CHARGES AND SAYS THEY WILL NOT DO SO FOR 30 DAYS. I WANT CHARGES FOR CANCELED ORDERS RELEASED FROM PENDING CHARGES.
Product: Vehicle loan or lease

I previously disputed the lates and asked for it to be corrected with no reply from company my wife is ill for the last 4yrs and her health will never improve her diagnosis is XXXX  i never was 30 or 60 days late I paid my account 7 days before it would be 30 days late including 10 days on shorter months which technically is not 30 0r 60 days late yet they continued to report consecutive lates I would would like my credit report on all 3 credit reporting agencies corrected
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} All these companies are trying to collect debts from me that I am not aware of. They were reported to my credit report. I have been the victim of a fraud and I only ask that they be removed from my credit.
Product: Debt collection

Consumer Portfolio Services-multiple addresses XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX KY XXXX XXXX SSN # XXXX XXXX XXXX CONSUMER PORTFOLIO SERV I have a negative item reporting on my credit from your company in the amount of {$18000.00}. This information is incorrect. Can you please produce and send me the original contract to support this. 

Thank you, XXXX XXXX My account was updated to another incorrect amount- Account charged off. {$18000.00} written off. {$13000.00} past due as of XX/XX/2024. I am requesting the original assignment contract to validate this account. I have requested this numerous times with no follow up from CPS. The last payment date is incorrect as well as the written off amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and notice some hard inquires that i don't recognize. 

XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting or other personal consumer reports

On XXXX of 2024 I noticed there had been a XXXX XXXX credit card on my credit report. I found that odd because I have not applied for a credit card from XXXX XXXX. I immediately contacted my bank XXXX XXXX and advised them about the card. I was told it would be taken care of and someone would call me. I never received a phone call. Later on I received a phone call from XXXX XXXX XXXX XXXX ( a collections agency ) stating that I owed XXXX dollars. I told them this was fraudulent and was not me. 

XXXX XXXX has offered XXXX help to resolve this solution. When I go into any XXXX XXXX store no one can provide me with any answers. When I call XXXX XXXX Im told theres nothing they can do about it because it is in collections.