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

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family 1560 XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$760.00} Status Account charged off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Open. 

XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Product: Debt collection

I was never notified of the documents, XXXX approved my remove of CMRE AND this remains in the credit file and I want this removed to miscommunication or fraud I have no memory where I ended up with this charge because they never told me where the debt was created
Product: Credit card

On XX/XX/XXXX I paid a merchant {$3000.00} to complete contract work/purchase supplies. This was a partial payment. 
In late XXXX ( XXXX at some point ) I had concerns about the merchant not completing work/not sending me updated invoices. The original invoices had charges for things I had purchased myself. I contacted Citi to confirm the timeframe I had to file a dispute. I was told 180 days. As a result of this, I made the decision to give the merchant until end of XXXX to rectify the issue. The merchant refused to respond to me. 
In early XXXX I called to dispute the transaction and was told to mail a letter. I did this, including the invoices, text message conversations confirming my side of the story, and confirming the merchant would not respond. 
In XXXX my dispute was denied. I called on XX/XX/XXXX to ask why. I was told my dispute was pending, but after challenging this the colleague admitted the dispute was denied. The dispute was refiled, with the colleague stating they agreed I had provided ample evidence. 
On XX/XX/XXXX my dispute was denied again. I called and was told that the timeframe for a chargeback had passed. I explained that I had called last year to confirm my timeframe for a dispute and had been told 180 days. The colleague said she couldn't speak for what a representative had said before and that there was nothing they could do to issue a chargeback for a refund despite clear evidence of being incorrectly charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my last  XXXX  ss # on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account CAPITAL ONE Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX & XXXX are different, this means the account has not been properly verified. Please delete this account immediately
Product: Debt collection

XXXX says I owe them {$760.00} for some cell phones. I returned the cellphones to XXXX, by mail. I have the tracking receipts.
Product: Credit card

I attempted to re-access my credit card information ( XXXX or XXXX time in XXXX years ) and the new requirement for " creating '' the account by ELAN Financial Services is the last XXXX digits of the social security number. Knowing well the amount of identify fraud taking place and the very lackadaisical use social security numbers by all sorts of business establishments, I have established a policy of not providing my ss # over the phone or online. 

ELAN Finanical Services, which has contracted with XXXX XXXX XXXX to manage its XXXX XXXX XXXX XXXX, refuses to provide any other way for me to access my credit card information online. The company stands firm on requiring me to enter my social security number into an online " authentication system '' if I want to access credit card information and the XXXX XXXX XXXX XXXX online. 

There is far to much use of social security numbers outside of appropriate use by employers, tax reporters and federal, state and local administrative organizations. The social security numbers were not created as national identifier numbers and their use needs to be restricted to those uses as established by the federal government.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : WELLS FARGO CARD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

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

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to XXXX XXXX. XXXX Section XXXX ( a ), I have the right to privacy. Additionally, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, XXXX XXXX. XXXX ( a ) ( XXXX ) specifies that no consumer reporting agency XXXX include any adverse information in a consumer report, other than records of convictions of crimes, that is older than XXXX years. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX To Whom It May Concern : You are reporting the following collections as an OPEN ACCOUNT which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCB MANAGEMENT SERVICES XXXX
Product: Vehicle loan or lease

I was in a wreck on XX/XX/19. The car was a total loss and the insurance company declare it so within a week. US Bank is the lease holder. For nearly a month my insurance has ( XXXX ) has been attempting to pay off the car. They have submitted all the requested paperwork to US Bankand have even conferences me in on a call to them to confirm that they have received all the documentation. Each time US Bank tells them to refax the information, which they do immediately. They have also emailed me confirmation. Still US Bank has not provided them with a pay off information. I just got a bill in the email for the next payment for a car that was wrecked over a month ago. I have already purchased a new one since I had to have transportation and cant and should not have to pay on a car that is totaled and which the insurance company is willing and able to pay off! US Bank has provided no reason why they are not completing this transaction, and when I call and ask what I need to do, they just direct me to call the insurance company so they can fax documents again. It is a never ending circle and US Bank has not escalated this issue or offered to help in any way.
Product: Credit reporting or other personal consumer reports

Hard inquiries for car loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, a wallet belonging to me was stolen. This included credit cards and specifically my Chase credit card. 

That card was charged for over {$1500.00} of fraudulent charges. On XX/XX/XXXX I called the company and had them mark it as fraud. 
On XX/XX/XXXX I received an email from Chase saying the review of the fraudulent charges was complete and a letter was posted to my account. When I went to review my account, no letter has been posted and no letter since then has been posted in my account section as detailed via the email. 

In addition the charges were reapplied without receiving a letter on my account or via mail and even on XX/XX/2021 I still have not received a letter or any writing to evidence the review. 

When I called the company on Monday XX/XX/XXXX, I was told the fraud had been denied and I needed to provide additional evidence. They did not once reach out to me during the initial review period spanning XXXX XXXX XXXX. 

Within 30 minutes I provided detailed emails showcasing the police reports and conversations. When I called back on XX/XX/2021 the company could not provide any new updates because they still needed more evidence that the purchases were fraudulent, while they charges remained on the card increasing my current balance and potentially impacting my credit score and refusing to issue temporary credit while investigating the claim.
Product: Money transfer, virtual currency, or money service

My Paypal Account got permanently limited on XXXX XXXX even I submitted my Identity and data they need. My account have more than XXXX pesos
Product: Credit reporting or other personal consumer reports

: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XXXX of XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XXXX of XXXX under the account number ( XXXX ), also attached to this company is another account number ( XXXX ) a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern XXXX While checking my most recent XXXX credit report, I noticed credit inquiries that I did not authorize to pull my credit report. The inquiries made by the following companies : XXXX XXXX XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 ( c ) and a serious breach of privacy rights. Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.Attached are copies of my state ID and bank statement to confirm my address.Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Debt collection

Contract Callers is trying to collect a debt from XXXX XXXX that was opened fraudulently by someone else. I did everything I was supposed to do under the fair credit reporting act and disputed this as fraud. I asked for the bureau to block the item and forward the dispute to CCI as fraud. The bureaus did NOTHING and CCI did nothing. 

Is the Fair Credit Reporting Act still viable in this new administration? Do I still have rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX Last reported : XX/XX/2019 {$13000.00} THIS ACCOUNT WAS PAID IN FULL TO A XXXX BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

Hello, I was reviewing my credit report and noticed I have a fraudulent account on my credit report. I have never done business with this merchant or the original merchant. This account is causing me to not repair a plumbing issue in my home. Please review and have Experian furnish a contract showing i have done business with this merchant. please remove asap! 

Thank you in advance, XXXX XXXX
Product: Credit reporting

On my Equifax report, my address city is listed as XXXX, Tx XXXX. Up until about 1998 this was correct, but my subdivision then incorporated and formed its own city XXXX XXXX, Tx XXXX. How can I simply get Equifax to correct this address issue? 
Thanks, XXXX XXXX
Product: Money transfer, virtual currency, or money service

A previous complaint about this case resulted in a response by Chase that showed Chase either did not review the complaint or deliberately sent an irrelevant message of obfuscation. Here are the details of the case : ( 1 ) We had made an erroneous ACH COLLECTION from a client who banks with Chase.

( 2 ) Our account was thus credited {$1300.00} on XX/XX/year>. 

( 3 ) We were alerted by the client the same day and refunded this back to the payer also on the same date by submitting an ACH payment of {$1300.00} to her.

( 4 ) Chase, aware that we had refunded the amount, proceeded to recall that amount again, and took {$1300.00} from our account.

( 5 ) Upon learning about this, and through our bank, we alerted Chase to this double transfer out of our account, and asked Chase to return one of the {$1300.00} transfers.

( 6 ) According to our bank, Chase did not respond to our recall within the period time allowed by law. Our bank contacted Chase again.

( 7 ) After much delay by both banks, Chase denied our recall of {$1300.00} without any justification.

( 8 ) We are not asking for ANY information about Chase 's client whatsoever. We just want our money back.