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

Name : XXXX XXXX Social Security : XXXX Address : XXXX XXXX XXXX XX/XX/XXXXXXXX FL XXXX DATE : XX/XX/XXXX CREDIT BUREAU ADDRESS : XXXX XXXX XXXX, XXXX XXXX PA XXXX Dear Transunion, I finally received a copy of my credit report today and discovered a few hard inquiry from your company. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. 

1. INQUIRY NAME :XX/XX/XXXXINQUIRY DATE : XX/XX/XXXX XXXX. INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 
Sincerely, XXXX XXXX
Product: Debt collection

NATIONAL CREDIT ADJUSTERS On XX/XX/2021 I Had requested for validation on to a debt collection. Where the company responded to my CFPB case number XXXX XXXX. Where The Director of Nation Credit Adjuster, XXXX XXXX XXXX responded back and submitted a document through CFPB that NCA will investigate the debt and as the original debt to present they validation of contract, and other information that I have requested upon to see if the debt is genuine. 

During the NCA response letter it appears that NCA will continue to damage my credit score and keep trying to collect a debt that can not validate to me XXXX XXXX XXXX wanted more time to investigate but refused to delete the debt from the major credit bureaus where its is Law the FCRA is assigned to show Accuracy and transparent of the debt which NCA has failed to produce. 

XXXX XXXX, It is Law! That you immediately delete the debt from my credit report as per your statement that the company needs more time to investigation and reach out to the original contract. 

By Law You shouldnt have your company damaging my credit score for no reason and try to collect a debt without the proper documentations. Your violations the FCRA now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with Experian as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are ten total. XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX , XX/XX/XXXX XXXX XXXX- XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft CAP ITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Student loan

A ) supplemental payments incorrectly applied t B ) late fees compiles illegally C ) never reconciled and fraud occurred stating electronically submitted D ) interest rate and monthly payments changed without my consent E ) repetitive corrections over years to default back to error F ) just learn that it was not consolidated to a Federal Direct Loan Program where my years Public Service is not eligible for Loan Forgiveness with the U.S. Department of Education.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
I haven't been doing any car shopping, The only inquiries that should be on my credit report are XXXX XXXX or XXXX XXXX. I have no ties or dealings with all other companies running my credit whether it's for financial or promotional. The following inquiries are not authorized, again PLEASE SEND ME MY WRITTEN SIGNATURE where I authorized my credit to be ran. 
The following inquiries need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was ran twice ), XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I have contacted experian about this account repeatedly. This is not my account. This account is not in my name. There is a fraud report in all. XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

Citibank flatlined both of my credit cards after a late payment of XXXX days on XXXX of the cards on XX/XX/XXXX. XXXX credit card has never been late. My credit was very good to excellent until Citibank took these drastic measures which I feel are consumer abuse. Citibank states me that their decision was based in part on information from XXXX, which I find hard to believe after only XXXX days late, also there is no derogatory information in my credit report. 
What Citibnk did was make my existing balance on the card my new credit limit, becuase I was XXXX days late on the credit card payment. Which means my credit usage on the card is now at 98 %, which tanks my credit score. My payment was due on XX/XX/XXXX. My mother died on XX/XX/XXXX. It was a simple oversight at a painful time in my life. 
My other Citibank credit card has never been late ( verified by a live Citibank agent ) and was not late at the time of these bad business practices that happened on XX/XX/XXXX via email. Again, my credit card limit was lowered to the existing credit card balance. Flatlined. Again, this means that I have a XXXX  % usage and tanks my credit score. I have called Citibank XXXX times and spoken with people, who listened and told me they were sorry for my loss. XXXX agent told me that she would file a complaint on my behalf and she did. I asked for the name of the President of Citibank and no one seemed to know. I was told twice during both calls to Citibank that I would receive a written letter in the mail with a formal explanation within XXXX to 10 days, which to date I have not received. The person today told me that it had not been XXXX XXXX days??? It may take me a year or years to repair my credit score. Many companies will call you and say, " you are XXXX days late on your payment, we are sure it is an oversight, may I take a payment from you now ''? that is consumer friendly. Citibank should not be allowed to ruin the credit scores of consumers through flatlining and bullying. My definition of this bad business practice is flatlining... compressing the credit limit to the existing credit balance, so that it is an interest earning only account, resulting in a ruined credit score to the consumer, creating credit hostages. Shame on you Citibank.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX  - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXXXXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm reported 2 late payments over 60 days in XXXX to XXXX. The company, due to financial hardship, agreed to forbearance and assured that they would not be considered late or affect credit. There was literally no payment due shown on the account page ; this extremely predatory behavior towards the consumer on their part. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or notification that payments were due or late ). I attached the only responses I have ever received from them in writing, which states they " will look into and respond within 24 hours '', which never happened.

During a phone conversation, a representative of the company claims they had sent 10-20 text messages to my phone alerting me to the payment issue, however they were never received and the company can not provide evidence of ever alerting me of the issue ( the phone company verified this ). I do not appreciate their lies affecting my credit.

Please assist in correcting this, I have no other late payment records on my credit as this is not something I would ever let happen and it is now negatively affecting my ability to apply for things I need. 

Thank you.
Product: Credit reporting or other personal consumer reports

I WAS IN A NIGHTCLUB WHERE MY PURSE WAS STOLEN IN XXXX, I WAS ADVISED TO START MONITOR MY ACCOUNTS. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS I HAVE NO KNOWLEDGE OF OR AFFILIATION WITH. THESE ARE NOT MY ACCOUNTS. 
I CONTACTED XXXX, XXXX, AND TRANSUNION ADVISING OF THE INCIDENT AND REQUESTING VERIFICATION. 

I HAVE THE RIGHT TO PRIVACY AND I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO REPORT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT ADDRESSES THAT ARE NOT MINE ARE REMOVED TO PREVENT LINKING ME TO ANY OTHER FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

a kohls credit card was given iun my name by an ex girlfriend that had my social and was opening different accounts and having multiple bills and addresses in my name.
Product: Credit card

Hello, I have different balances on my Citi XXXX XXXX  credit card ( different % XXXX, promo periods, loans, etc ). 

I used to have : - BalTrnOffer 5 : 0.99 % expiring XX/XX/XXXX. 

I waited until the next statement after XX/XX/XXXX to confirm " BalTrnOffer 5 '' no longer showed 0.99 %, but a high 24.24 %. I called to verify the correct payoff amount, then I paid {$15000.00} online on XX/XX/XXXX. This successfully paid off BalTrnOffer 5. 

The phone rep explained that I had accrued a little bit of interest by waiting to make a payment until *after* the statement. He said ( paraphrased ), " Next time, you can pay *on the day* the promo rate expires. You don't have to wait for the statement. 

That was great advice! The next balance to pay off was : - BalTrnOffer 7 : 0 % expiring XX/XX/XXXX Just to be extra safe, I called again on XX/XX/XXXX and/or XX/XX/XXXX. And again, the phone rep told me, " Yes, you can pay now because the promo period has ended -- and your payment will pay off this BalTrnOffer 7 balance. '' Perfect! I paid {$8500.00}. ( I believe I made the payment on the phone with the rep. ) But instead of paying down BalTrnOffer 7, my payment was assigned to : - Plan 4 : 60-month loan@ 8.99 % This messed up my entire pay-off plan because I was diligently monitoring and paying down my highest-interest balances first, wanting to leave my low-interest loan to be paid off at the end of its term. ( Plus, my loan was set for 60 months@ 8.99 % -- there was no need to pay this off early while BalTrnOffer 7 went up to 24.24 %! ) I talked to Citi multiple times ( at least half a dozen ) and each time was told they were investigating this matter to correct it. 

I specifically asked them to listen to the phone call on XX/XX/XXXX where I was told that my payment would pay off BalTrnOffer 7. 

On XX/XX/XXXX, I was told this recording had been listened to on XX/XX/XXXX. 

On XX/XX/XXXX, a phone rep said my request was resolved and I would see my corrected balances soon. I was also assured that the interest that had been accruing due to the mis-assigning of my payment would be credited to me. 

But all I have been receiving are generic letters from Citi explaining that payments go to balance in APR order from lowest to highest. ( I knew that -- that's why I was so careful to ensure my BalTrnOffer 7 was indeed high interest at the time of my payment. ) Sorry, this has been very frustrating. I believe I have a strong case because multiple Citi representatives repeatedly told me that my payment would pay off BalTrnOffer 7, specifically calls on : - XX/XX/XXXX - XX/XX/XXXX and - XX/XX/XXXX ( when I paid off XXXX XXXX ) Thank you very much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX XX/XX/2021 - XXXX XXXX XX/XX/2021 NEGATIVE ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; Capital XXXX XX/XX/XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Credit card

I began to receive notifications from Bank of America about overdue fees from a Spirit Airlines credit account that I had never opened earlier this year. At first, I assumed it was spam or a mistake. In XXXX of this year I called and realized that it was an account I was not aware of that used my actual name, DOB, and social security number. I filed a fraud claim with Bank of America about this card- of which there were two accounts opened in my name : ending in XXXX and XXXX respectively. I continue to get calls about overdue fees on both of these fraudulent accounts from Bank of America despite having an open Fraud Claim with them. This week, I was told that my fraud claim was denied by Bank of America because of a transaction on the card from XXXX ( not sure why this would pose a. I have since opened an account with XXXX- they have filed a credit dispute and informed me that that Bank of America card was opened at the end of 2023. I was told by both Bank of America and XXXX to file this report for further steps.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing challenges I have faced in attempting to correct late open accounts on my credit report. Despite multiple attempts to address this matter, the inaccuracies persist, adversely affecting my creditworthiness and causing significant frustration. 

These inaccuracies are negatively impacting your credit score and causing financial distress. 

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information. 

I am requesting that you investigate this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the late open accounts. 

I am deeply frustrated by the continued presence of these late open accounts on my credit report despite my repeated efforts to correct the inaccuracies. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the persistent inaccuracies promptly. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00}.
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Robinhood Financial LLC about an XXXX breach XXXX which resulted in substantial losses I incurred. 

Please see the attached PDF file containing all relevant documents and evidence, as well as my claim.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Please remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some addresses on my file that do not belong to me I am a victim of ID theft and I need these addresses removed they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX