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

Equifax has repeatedly added a fraud alert to my account numerous times. I have asked them over and over not to add it because it has affected my bank account and my business transactions. They have added a fraud alert 4 separate times after I asked them to remove it. They first added an initial fraud alert. It was sent to all bureaus and my bank account was frozen. I called and removed it from all three. They went back and added a second one on XX/XX/XXXX. I called and removed it AGAIN and told them that I no longer wanted the fraud alert because my banking systems are being affected now. I got an alert on XX/XX/XXXX that a fraud alert had been added once again. I called all 3 to have it removed. I get a letter in the mail on XX/XX/XXXX stating that I asked for an Extended 7 year fraud alert and I DID NOT. Now my banking is frozen again. I called and removed it again on XX/XX/XXXX. I then get an alert from XXXX stating that Equifax added an initial alert again and did not add a number for any creditor to call me. Then they took additional steps to removed me from the promotional offers list by blocking my information. I repeatedly asked them not to do this as well. I was advised by XXXX and XXXX that Equifax is the one that continues to add the alert. XXXX even researched and saw that Equifax suppressed my information from promotional inquiries without my knowledge or approval. So now I am at 4 different initial alerts from just Equifax as well as an Extended alert that I did not authorize. This is my final request that Equifax stop playing games with my report as well as STOP ADDING INITIAL AND EXTENDED FRAUD ALERTS TO MY CREDIT REPORT. ADDITIONALLY I DO NOT WANT A FREEZE EITHER. This issue is greatly impacting my finances and banking history so remove the fraud alerts and add me back to the promotional offers list. I did not ask for my information to be suppressed from promotional offers because I need qualification for my home buying process. It feels that they keep adding them just to make things harder for me. I have to call each bureau and wait on hold for extensive amounts of time just to rectify an issue that I DID NOT ASK FOR. DO NOT ADD ANOTHER FRAUD ALERT, INITIAL OR EXTENDED, WITHOUT MY KNOWLEDGE. ADD ME BACK TO PROMOTIONAL INQUIRIES LIST AND DO NOT SUPPRESS MY INFORMATION FROM PROMOTIONAL OFFERS. If this continues, I will have no choice but to escalate to the Better Business Bureau and my Mississippi Attorney Generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to see Verified record of Experian and XXXX  files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX Inquiries that need to be removed are listed 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 XXXX
Product: Debt collection

on XX/XX/year> there was a collection account on my credit report by LVNV Funding for {$810.00}, I called the collection agency to have this item removed and they told me it was for a XXXX XXXX XXXX  credit card. I never opened up a XXXX XXXX XXXX account and I have no knowledge of who did, this is IDENTITY THEFT! I've contacted the collection agency numerous times to have this account deleted and removed from my credit report and they have failed to do so!
Product: Credit card or prepaid card

On XXXX, XXXX, I was in XXXX ; I used my credit card in a restaurant for a receipt of XXXX XXXX ( around XXXX $ ). Then I received a message from Chase that a transaction of XXXX $ was declined and they asked me to confirm if it was me or NO. I immediately replied by no and I am attaching the screenshot of the text messages ; they confirmed that they would not let this transaction go through and they said they going to send me a new credit card. Also, I called Chase customer service to report that transaction because the restaurant charged me more than they should and I told them that I don't recognize this amount. and they sent me a new card a few weeks later, they sent me a letter that stated that they declined the dispute because I had the physical card with me, I told them that I didn't confirm this transaction and you should not let it through. 

then they asked me to file a dispute and write a fax to them, describing the problem and they said they were going to contact the merchant ; I went to the bank and did that in XXXX. 

on XX/XX/XXXX they sent a letter that they declined this dispute, and they asked me to get a receipt from the merchant. which I can't do because it's overseas and it's impossible to reach them, and I am sure that they did it on purpose. if chase have told me when I was in XXXX that I needed to get a receipt that would have been much easier. 
plus they should not have let this transaction through as I replied by NO to the text message
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notification that XXXX/WALMART was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and I did not receive a notice from XXXX/WALMART that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. This reporting is in violation of the law where it states that I must receive written notification that the account will be re-inserted WITHIN 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ). I did not get notified in writing as per the law. My credit is extremely important to me and I would like this account removed from my credit reports immediately.
Product: Money transfer, virtual currency, or money service

I was scammed by a perpetrator from XXXX. I transferred money via wire from XXXX XXXX to crypto.com in the amount of {$150000.00}. I was advised to transfer the money to defi-wallet to where I can make short term trades for higher profits. I am agreed to this plan, but didnt realize I was on, an external Web server within crypto.com and thats where my money was stolen. 

XXXX XXXX XXXX is my full name. My account with Crypto.com is under XXXX XXXX XXXX. There is no Account Number associated with Crypto.com that I could find. Crypto basically goes off your name and your login credentials.
Product: Credit reporting or other personal consumer reports

I am seeking your support to address the incorrect account listed on my credit report. This matter has harmed my reputation, and I need your intervention. Your mismanagement of my credit report has caused me significant distress, and I urge you to eliminate these false details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that was deleted by Experian several months ago due to someone stealing my information and getting an apartment. I noticed last month that Experian has reinserted or re-reported this collection back onto my report as a new debt collection. 

I have sent a letter pressing them to remove it and no response yet. The letter was sent XXXX. I 'm trying to move forward with something and need to use my credit but because of this collection that is put on hold. 

Experian is a big company and I know I 'm just a number of them but I 'm hoping to shine some light into this and get the service I need. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID for identity verification
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries XXXX XXXX XX/XX/2023 Key Bank N.A. XX/XX/2023 XactusXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Many daily calls. Using fake phone number. Posing as a local number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires I did not authorize were done without my consent
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the to delete the negative payment status on this account. 15 USC 1681s-2 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. XXXX XXXX is deleted off my Equifax but still reporting twice with a different company on transunion and experian. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX ( XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX XXXX
Product: Vehicle loan or lease

To Whom It may Concern, Hello my name is XXXX XXXX and my car finance company Flagship credit acceptance is giving me nothing but problems. Due to Covid-19 I am unable to pay the full amount of my car payment as I am on furlough from my job. So when this all happened I asked them to pushed my payments back. They did that for XXXX payment. So XXXX came around and I talked to an agent name XXXX and she said we can't push anymore payments back you need to pay. I said I can't pay XXXX dollars a month right now and neither can my husband. Not to mention they charge a processing fee. But XXXX said I can do something that you don't have to pay for like 6 months. She took all my information down and submitted that. And that was on XX/XX/XXXX. She asked what I could afford and i told her between $ XXXX a month. She said ok thats fine. Fast forward to XX/XX/2020, I get another phone call from XXXX she is at the head quarters in XXXX, Pa and stated we need more information for this trip loan is what they called it. I said ok and I gave her all the information. She put this information in again. So on XX/XX/2020 I called and a agent answered said that she needed to look at the notes on the account. Im waiitng for her to answer. She is popping her gum, kids in the background screaming. She puts me on hold and next thing I know I am getting another agent on the line. I got XXXX and he straight up told me " You were lied too '' meaning that there was no trip loan. Well I wasn't happy customer. I started recording them. Because I feel that this company is ripping people off and they aren't very consistent with everything. So XXXX had transferred me to XXXX who was a manager and he said that he could extend another payment for XXXX. I said ok thats fine and I paid XXXX 's amount that was owed. However I felt like I am being scammed. No one wants to refinance my car. They said they can't refinance the car which I know they can.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX  XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good : XXXX XXXX XXXX ( still reporting ) has initially been deleted, and XXXX I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. permanently remove these accounts
Product: Credit reporting or other personal consumer reports

Experian has failed too fulfill its legal obligation under the Fair credit reporting act FCRA too conduct reasonable reinvestigation of disputed Information on my credit report leaving inaccurate unverifiable accounts unresolved the consumer financial protection bureau cfbp has recently filed a lawsuit against Experian alleging systematic failure such as failing too forward consumer provided evidence too furnishers accepting unreliable responses and failing too adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected or removed disputed items I provided causing on going harm too my credit standing I am requesting immediate corrective action too remove or amend disputed accounts as Experians inaction violates federal law and my rights as a consumer
Product: Debt collection

XXXX reported on XX/XX/21 that i have a collection account reported from XXXX XXXX, GA in the amount of {$1400.00} which not belongs to me and i never got any communication with this collection company ever until i seen in my Credit Report. 
This collection co. violated the federal law as consumer should notified before reporting to credit bureaus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX  {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

American Coradius International LLC is trying to collect a debt supposedly from XXXX for a nonexistent account. Letter is dated XX/XX/. Their number on the letter is XXXX XXXX XXXX. The address is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NY. XXXX