23daVinci/CFPB_Complaints huggingface dataset:
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 {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. XXXX is denying me from submitting disputes online when I didnt give my consent for these accounts to be furnished in the first place. They arent notifying me when a dispute is finished and the same accounts are saying, dispute isnt available. Lastly, an employee told me, XXXX are the ones disputing on my behalf. Thats identity theft. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571. Ive been disputing the SAME accounts for over a YEAR now. Thats a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is willfully and knowingly allowing this. I am demanding consideration and deletion of these accounts. Please look at the attachments/exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I have been a member of XXXX XXXX ( XXXX ) for over 20 years since XXXX. 
XXXX. In XXXX of XXXX, XXXX XXXX XXXX requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with XXXX since XXXX was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. 
XXXX. I spoke to representatives at XXXX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. 
XXXX. I reviewed my charges and balance activity several times a week on the XXXX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. 
XXXX. Approximately XXXX week after my last phone call to XXXX the XXXX Department cancelled both my personal and business accounts when corporate financial records were not received. 
XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. 
XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. 
XXXX. XXXX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. 
XXXX. I was told by XXXX XXXX a representative of XXXX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. XXXX separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXG XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

I was browsing the XXXX  online site and was invited to apply for a XXXX Credit Card. The site assured me that there would be no hard inquiry on my credit report and that I should apply for the pre-approval and if approved then for the credit card. Upon application that I only submitted because I was assured there would be no hard inquiry, I was pre-approved for the card and then clicked the final link for the card and was then denied. My XXXX credit report now shows a hard inquiry on XX/XX/2020 by XXXX Comenity Bank. I have filed a dispute with XXXX. XXXX Comenity  Bank was deceptive in awarding the pre-approval which should have been assurance of approval for the card. I am not in need of the card per se and can shop elsewhere, but the deceptive invite to apply for the card after being pre-approved and then submitting the hard inquiry is problematic. I did not agree for a credit check or was deceptively enticed into the application with assurances of no hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a recent credit report with many inaccuracies regarding my inquires, I have already been a victim of identity theft in the past I believe someone else used by information fraudulently to try to gain access, due to the amount of inquiries reporting to XXXX, transition, & XXXX it has taken a big hit on my credit which is negatively affecting me here are all of the following inquires with dates that were done 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent XXXX.

My address section should only reflect the following addresses in my life.

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

This is my formal request to you for the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned accounts are inaccurate and does not reflect the current status of the accounst. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$5900.00} ; XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXXBalance : {$9200.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX {$5900.00} ; XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$9200.00} ; XXXX XXXX  Balance : {$20000.00} ; XXXX  XXXX Balance XXXX {$10000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$9200.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX XXXX
Product: Debt collection

I filed a complaint earlier against XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Worldwide Asset Purchasing was also involved. I applied for a XXXX XXXX XXXX Credit card with a maximum of {$2500.00} in 2004. I was laid off and out of work for several years and also was out of work XXXX. XXXX XXXX XXXX sold the deb to Worldwide. I did n't even know I had a judgment on my credit report until Worldwide hired XXXX, XXXX XXXX XXXX, XXXX to garnish my wages some 6+ years after the judgment. Now the interest that has accrued has resulted in 5 times the amount I charged. I have supporting documentation to attach.
Product: Credit reporting or other personal consumer reports

I am filing this complaint today on XX/XX/2024 because I noticed that I have inaccurate information listed by Experian in the personal information section of my credit report as seen on their website portal. Experian refuses to delete any old, outdated address that is connected to an account from the past. I refute this because it is not a relevant address that pertains to me currently. The old addresses belong to someone else. Those addresses do not belong to me. I also noticed several different names that are listed and inaccurate. A major data breach took place all over the United States recently and I do not want my credit report information being mailed to an inaccurate address by error on their part because it does happen. Experian has " foreign '' representatives who will and have refused to update my personal information and will instruct me to ask the creditor to update my personal information when it is an obligation of consumer reporting agencies to reinvestigate any information disputed regarding its accuracy or completeness per 15 USC 1681i ( a ) ( 1 ) ( A ) and to ensure that they ( Consumer Reporting Agencies ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy according to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EQ : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to My Credit Information Dear Sir/Madam , I am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following accounts on my credit report, which I have not authorized : Creditor Name : American Express - General Inquiries Account Number : XXXX Creditor Name : American Express - General Inquiries Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. 

Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information. 
Delete any entries or information that were furnished or obtained without my consent. 
Send me a confirmation of your actions regarding the deletion or correction of my credit report. 
Additionally, I request that you send a copy of the updated credit report reflecting these changes. 

Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently tried to order credit reports for my wife and I and the bureaus are giving us the run around. The reason being is the credit bureaus are playing fast and loose with our consume scores. We recently paid of all of our revolving debt. Based on risk management software I understand and predict a scoring model because I understand large language models. Our score a much higher that indicated by XXXX XXXX, XXXX and Experian.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was a victim of ongoing identity theft. Credit cards and attempts at acquiring a mortgage were made. I have three police reports that I have submitted too many times to remember and I keep disputing the same issues from the same identity theft instances. I have been turned down left and right from getting housing and financing. XXXX, XXXX, and Equifax have been lackluster. I have no XXXX XXXX XXXX. However, it still shows on two, if not all the reports.
Product: Credit card or prepaid card

I opened a secured credit card account with XXXX XXXX XXXX in the amount of {$300.00}. The company closed the account saying that I owed a payment of {$99.00} but never said what it was for. They have been reporting to the credit bureaus as an open account and charge-off with delinquent payments. Again this was a secured credit card. The amount of credit that I had with them was based solely upon how much money I wanted to give them to put into the account. The company should have taken the {$99.00} ( assuming that it was a legitimate charge ) out of my security deposit, and then issued me a refund for the remaining funds. In this case, I don't think the charges are accurate, I don't think they have a right to keep my deposit, and I don't think they have the right to continue to report this to the credit bureaus. This account was opened in XX/XX/XXXX. I  made 1 purchase with it for {$50.00} and paid the full amount before the bill was due. I received no bills from the company other than the initial one. The next correspondence I received from them was a bill showing that I owed {$99.00}. I called the company and asked what I was being charged for. That's when I was informed that my account was closed, and I was not given any explanation for the charge or why the account was closed. They also didn't start reporting until XX/XX/XXXX and have been reporting inaccurately since then. 

This company basically took {$300.00} of my hard earned money under the pretense of building my credit up, then closed it at their convenience, and kept my money on top of it. And as an added bonus, instead of them helping to build my credit, they have been helping to destroy it.
Product: Debt collection

Receivable Performance I contacted them and disputed my account and asked if they can stop contacting me because I am XXXX also I sent them a letter of my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a new car and a new home I realized I have damages on my credit report. According to 15USC 1681 law there should not be any damages on my consumer report thats a defamation to my character. 

Account for XXXX XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account XXXX XXXX XXXX Account for XXXX  Account # : XXXX
Product: Mortgage

XX/XX/XXXX, I fell upon hardship, went through a difficult divorce and then had a significant loss of income. My home was mortgaged with Washington Mutual. Right during this time of troubles, the title of my mortgage was transferred from Washington Mutual to Chase Bank. After attempts to rent out and refinance my home, it as foreclosed upon in XXXX XXXX. 

Upon research I have found the following with regards to others in my same situation : " The vital allegation in this case is the assignment of the loan into the WAMU Trust was not completed by XXXX XXXX, XXXX as required by the Trust Agreement. This allegation gives rise to a plausible inference that the subsequent assignment, substitution, and notice of default and election to sell may also be improper. Defendants wholly fail to address that issue. This reason alone is sufficient to deny Defendants ' motion with respect to this issue. '' Through fabricated assignments, endorsements and affidavits that purport to transfer Deeds of Trust, notes and the rights to money due under thousands of non-negotiable promissory notes, Chase is playing " hide-and-seek '' with debtors and judges. 

The XXXX-paragraph complaint seeks an order vacating all Bankruptcy orders, claims and awards granted based on Chase 's misrepresentations and deceptive business practices.They don NOT have the original title deed. If they cant produce it they have NO legal authority to collect or foreclose. All mortgages bundled and sold on the stock market were separated from their original tile deeds.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  xxxxxxxx XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

XXXX XXXX ON BEHALF OF XXXX XXXX XXXX, POWER IN FACT. WITNESS TO THE FACTS REGARDING LOAN XXXX