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

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from 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 3 credit bureaus to validate these accounts ( A ). 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 corrected : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$32.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously TransUnion was using XXXX to verify bankruptcy. I have an alleged bankruptcy on my credit report, that was first reported in XXXX. Up util XXXX, TransUnion was using XXXX the verify 3rd party information. I have pulled my XXXX report and have found no bankruptcy listed. 

They have a new 3rd party system they are verifying information with HOWEVER, that is only for bankruptcy information collected from XXXX and forward. Since they first verified the information with XXXX, and now can no longer verify it they need to delete it.
Product: Debt collection

I mailed a letter on XX/XX/2021 that the Bureau was reporting inaccurate information in my credit report. I have not received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXXCharge-off, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of a XXXX  XXXX credit account and the XXXX XXXX XXXX  loan all in delinquent on my credit file. I have worked with all the parties involved from the credit bureaus to the lenders. I am been penalized for missed communications, billing me at the wrong address, and lastly inaccurate reporting with gaps. All these debts have been settled and have failed numerous times disputing these in inaccuracy affecting me from getting a mortgage. I have attached reports that explain my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute letter with the 3 major credit bureaus about a collection that was never properly validated or verified. The account contained inaccurate information ; I contacted the original creditor XXXX XXXX XXXX and asked for full disclosure on my account and to disclose a itemized list for the charges they allege I owe them. They failed to provide me with proper documentation within the required time frame that the law requires.I then sent a letter to Equifax informing them that the account has not properly been verified and is not accurate and that they failed to respond in required time. The collection was closed a few weeks later and then re appeared two weeks later. This time it was actually reported twice. XXXX XXXX XXXX was reflecting twice on my consumer report. I filled another letter to Equifax notifying them of their mistake and received a letter stating that the account was validated and verfied. I was then sent a letter from Equifax stating they created an error on their end by making the mistake of duplicating that XXXX XXXX XXXX collection account reflecting that I owed double the amount that was already inaccurate and unverified.
Product: Debt collection

The following accounts were fraudulently opened under my name : Santander XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX amount of {$940.00} XXXX XXXXXXXX XXXX XXXX XXXX amount of {$1000.00} XXXX XXXX XXXX XXXX  Balance of {$550.00} In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts.

As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary.

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind.

Thank you for your time and assistance in this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation.
Product: Credit card or prepaid card

On XX/XX/2018, I attempted to purchase two tickets on the XXXX website with a Fifth Third Rewards credit card for an event scheduled for XX/XX/2018. Unfortunately, I was charged for four tickets in error. I disputed the charge for two of the tickets through Fifth Third Bank in the amount of {$1300.00}. The dispute was closed on XX/XX/2018 in favor of XXXX with insubstantial evidence provided by XXXX. 

I arrived to the State Farm Arena on XX/XX/2018 at XXXX XXXX  EST to pick up the tickets from Will Call. Upon attempting to enter the venue, the XXXX Box Office representative informed me the total amount of the transaction was refunded to me as a result of the dispute in the amount of {$2700.00} and I will receive it within 7-14 business days. I was also told the tickets I received from the XXXX Box Office were voided and I was not permitted to enter the venue for the event with them. 

On XX/XX/2018, I spoke to a XXXX representative about the transaction. In our recorded conversation, he informed me I was entitled to a refund of {$2700.00} and would receive it within 7 business days. 

To date, I have not received any refund or charge back from XXXX. Fifth Third Bank has not offered me a chargeback and continue to charge me interest for the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to address a deeply concerning matter related to my credit report. I want to bring to your attention that an account with the account number XXXX XXXX, held by XXXX XXXX XXXX, has been unexpectedly reinserted onto my credit report. This act not only contradicts my previous efforts to rectify inaccuracies but also raises serious questions about compliance with the Fair Credit Reporting Act ( FCRA ). 

I would like to remind you that I previously contacted your agency in XXXX of XXXX  to address this incident. In that letter, I outlined my concerns regarding the accuracy of the account and requested its removal. Despite my previous efforts, I have not yet received confirmation of the removal of this account from my credit report. 

It is important to highlight that the reinsertion of an item onto a credit report without prior written notice to the consumer is a direct violation of the FCRA, which mandates that such notification should be provided within five days of the reinsertion. The unexpected reappearance of this account without appropriate notice has left me deeply concerned about the integrity of my credit history. 

Given the circumstances, I am left with no choice but to demand the immediate deletion of the aforementioned account from my credit report. This action is not only necessary to rectify the FCRA violation but also to ensure the accuracy and completeness of my credit history. 

Additionally, I kindly request that you promptly provide me with an updated and revised copy of my credit report following the successful removal of this account. This will enable me to verify that the necessary corrections have been made. 

I must stress that the delay in addressing this matter is both disconcerting and disappointing. I urge you to take immediate action to rectify this situation, as I am prepared to assert my rights under the FCRA to ensure compliance with its provisions. 

Thank you for your immediate attention to this critical matter. It is my hope that your response will reflect your commitment to accurate and compliant credit reporting.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed XXXX XXXX to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within XXXX  days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a very loyal consumer of XXXXXXXX XXXX for many years, and I need your assistance. I have this account with XXXX XXXX ( please see the Letter which I attached ) that I always paid on time. 

There was a period of time ( XXXX XXXX ) in my life that was very difficult to handle due to a XXXX  emergency ( XXXX ). I always tried my best to get every payment to you on time but there was 1 time that my payment was received 30 days late. Before that hard time and ever since I have regained control, I have made every effort to be a loyal paying customer, even paying early at times to ensure that your company suffered no loss. 

Well, that hard work has paid off and I now have years of good standing credit with your company, with the exception of this late payment. This payment is extremely damaging me in a lot of ways, mainly it is damaging my chances of credit availability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for a service to protect my credit for a trial of seven ( 7 ) days with the right to cancel in 7 days. I tried to cancel on XX/XX/2020 before XX/XX/2020 according to the agreement or else they will deduct from my credit card for 12 months. 
When I tried to cancel online it would not accept my login information. 

I got a message to call customer service they claim their system would not allow them in because I had tried earlier that I had to mail or fax a copy of identification with my social security number and address to them. 

Now it's gone from just login to cancel to call customer service to to mailing or faxing in my personal information to cancel their program before XX/XX/2020. 

I sent them an email 3 times but I got a generic response. One said they are overloaded because if the virus and will get back to me as soon as they can. 

Another email on their site response sorry we don't have that product. 

The latest this morning when I tried to login their site an Oops popup. 
If you ask me a scam is being run concerning cancelling, getting your card identification and wanting me to fax or mail in my information to a p.o. box in XXXX, georgia. 

MY AGE BRACKET WAS TOLD NOT. TO GO OUTSIDE FOR ANYTHING. I DON'T HAVE FAX MACHINE NOR A PRINTER TO MAKE COPIES OF MY ID AND ADDRESS AND SOCIAL SECURITY NUMBER FOR THEM TO CANCEL MY MEMBERSHIP BEFORE THE CANCELLATION DATE. 

IT'S ALL A SCAM.
Product: Credit reporting or other personal consumer reports

In light of the CFPBs recent lawsuit against Experian for failing to investigate disputes ( XXXX XXXX : XXXX ), I am bringing attention to your continued negligence in handling my disputes. Your actions have perpetuated inaccuracies on my credit report, violating FCRA 1681i, and FCRA 611 ( a ) ( 5 ) ( A ) by failing to delete unverifiable information. Since XXXX, I have expended an overly generous amount of resources to send dispute letters and requests for corrective action through mail and Experians dispute center. In return, I have only received pre-written, automated, and generic responses in sometimes within just a few hours of submitting my dispute demonstrating a lack of thorough and manual investigations. These unresolved inaccuracies have caused financial strain, continuously suppressing my credit score, and limiting my access to financial opportunities. Your continued failure to address the discrepancies in my credit report and provide the documentation that you claim was provided to you by these companies justifying your decision for reinsertion, not only highlights your inability to complete thorough and manual investigations but also demonstrates a clear pattern of bad-faith practices and noncompliance with federal law. Experian has deliberately turned the blind eye ignoring these systematic issues in regards to my rights as a consumer to have a complete and accurate credit report exposing themselves to further scrunity. These practices further align with the issues outlined in the CFPBs lawsuit, exposing Experians inability or unwillingness adhere to the laws designed to protect consumers like myself. Therefore due to these systematic failures and violations, I am requesting the immediate deletion of the inaccurate accounts ( XXXX ) listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am also hereby demanding an settlement check in the amount of {$15000.00} in which I am claiming damages as compensation for the financial harm, emotional distress caused by your noncompliance including increased interest rates, credit denials, rental application denials, and the resources expended in the numerous dispute processes. Should you fail to address these matters in good faith, I will have no choice but to initiate formal litigation under FCRA 1681n and 1681o, seeking statutory and punitive damages, legal fees, and compensation for harm caused by your actions.
Product: Student loan

I requested on XX/XX/XXXXXXXX XXXX reports and I was given XXXX different reports with different dollar amounts for a XXXX scholarship. I contacted nel net my loan servicer on XX/XX/XXXX and XXXX informed me that they already made payment and I had to contact XXXX directly to receive payment. I was told from XXXX that they hadn't received any funds but when I went to the XXXX website it showed it was paid as a credit to my account. I was then told to wait for payment and when they received it they would payout this happened on Wednesday XXXX XXXX at XXXX. I was then made aware on the XXXX website that I was the scholarship winner in the amount of {$10000.00} so I went to speak with the enrollment center for general questions on XX/XX/XXXX Friday at XXXX XXXX. I was told they would payout the funds once they received it but I still haven't received any of my grants or scholarships. I've had to pay out of pocket for certain supplies and things I needed for school. The total dollar amounts are {$360000.00}, {$10000.00} plus an additional {$1000.00} scholarship that was never recieved.XXXX has only given me XXXX payments totaling {$1500.00} for the 4 years I've attended. When I've tried to look for statements on their website for the 2023 year the website states this page is no longer available and I don't have access to anything for that year. Please help me with obtaining my scholarship and grant money.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the presence of old addresses on my credit report. I have recently obtained a copy of my credit report and have noticed that several outdated addresses are listed. 

I am concerned that these outdated addresses could be negatively affecting my credit score and could potentially be used for fraudulent purposes. I have not lived at these addresses for several years and request that they be removed from my credit report immediately. 

I understand that the presence of outdated addresses on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and could result in inaccurate reporting. I request that you investigate this matter and remove all outdated addresses from my credit report. 

Please provide me with written confirmation of the removal of these outdated addresses from my credit report. I appreciate your attention to this matter and look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX XXXX is the only address Sincerely, XXXX XXXX ll
Product: Debt collection

This company sent me a notice dated XX/XX/21 stating that i owe {$530.00} on an alleged debt from an alleged creditor named XXXX SECURE COMPANY. I have no knowledge of this company or why they would have my place of abode information. As a consumer this is a violation of my rights by this company as well as the alleged creditor above mentioned who most likely sold my information to this debt collection agency for profit. In the communication with i the consumer the company used both language and symbols to indicate that they are in the debt collection business. They also outright stated that this was an attempt to collect the debt. I never given this company any authorization to contact me nor have i contracted with them.
Product: Student loan

I signed a Master Promissory Note. The application was submitted and the credits have not and were not and still are not being applied to the principal 's account. All debt is the responsibility of the government and the U.S. Treasury issued credits for the necessity so I can pursue happiness. I requested them for. All promissory notes and bills of exchange fall under acts allowed by Congress. As a consumer first, then secondly a beneficiary, I have had my character on my consumer report has been defamed since the beginning of the note I signed in XXXX. The application was submitted and the consumer was also forced to sign the application electronically without the ability to reserve any rights. Consumer obligation is already written into law. The company is in violation of 15 USC 1692d ( 1 ) for having left unlawful slander on the consumer/ credit report. Unacceptable in law. The consumer is the original creditor, tricked and forced to fulfill the application without full disclosure. The subsidiaries of the parent corporation continue to profit from the lack of attention to the account. The transfer of personal information is a violation of privacy.The company failed me. As a consumer, the company ignored the law. The disclosures were not set conspicuously and they ignored the principal 's credits and the application appropriately. The consumer was coerced, intimated, and persuaded to be everything other than a beneficiary. The SSN social security number provides and serves as the full faith and credit confirmation through the U.S. acting through the United States Treasury to settle the debts.

As an American consumer, the past 8 years have consisted of several requests of removal of this account for this company to merely " verified by credit grantor '' response. This also contributed to a blinds shut -home denial in XXXX when I had my first son. The student loan on my report was too high of a debt that I should take care of first before becoming a homeowner. The company shall right their wrongs for the error that has manifested on the consumer credit profile and record unlawfully and is illegitimate. The law has not changed. They did not balance the books lawfully and then claimed the credit. Now after theft and collection of credits, I, the consumer is currently left with a defamation of character as if there are no collateral associated with the application in itself.Confusing or misleading advertising or marketing credits of application fulfillment.
Product: Credit reporting or other personal consumer reports

The presence of public records on my credit report is unacceptable and is causing me significant distress. I implore you to remove them immediately to alleviate my XXXX.