23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I didnt authorized this or gave any one permission to apply and receive a card with my information. Ive been getting calls and also i see this on my credit report and i want it remove or delete.
Product: Debt collection

Today my husband XXXX XXXX, received a disturbing call from XXXX with XXXX XXXX. XXXX NY XXXX XXXX, Ext XXXX XXXXHe advised him he was calling re a debt incurred over XXXX years ago with Lightning Fast Finance . 
My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. 
In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. 
Please respond with any requests for documents or call history records as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a Discover personal loan And they denied me base on my credit report To high balance When all of my students loans are discharged plus some of the negative reporting accounts are pay off and they are to to old to be on my credit report I will like to be considered for a personal loan from discover bank Please remove all old account and update my report
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS BROKEN THE LAW! 

TransUnion is in violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 Violation - 15 U.S.C 1681b ( a ) 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX XXXX have not given TransUnion written instructions to furnish my report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the continuous presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These fraudulent entries are causing severe harm to my financial well-being, and I am urgently requesting your immediate assistance in resolving this matter. 


I initially discovered these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus, outlining the fraudulent items in question and providing substantial evidence to support my claim. I included copies of police reports, identity theft affidavits, and any other pertinent documentation to substantiate my claim. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the removal of the fraudulent items. During this conversation, I was informed that an investigation was underway. 

As the fraudulent items persisted on my credit report, I sent a second dispute letter reiterating my concerns and emphasizing the urgency of resolving this matter promptly. 
The continued presence of these fraudulent items is causing significant harm to my credit score and is impeding my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough and diligent investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Police reports and identity theft affidavits Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the fraudulent nature of these items, please ensure their immediate removal from my credit report. Please help me remove tha following fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In XXXX XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and are negatively affecting my XXXX XXXX. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # XXXX XXXX Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDespite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my XXXX XXXX and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the XXXX inquiries on my credit report. These inquiries are all XXXX and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a XXXX report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, XXXX, a 33 month business lease in the amount of {$10000.00} was opened by a Texas corporation that has the same name as my company which is a Florida corporation. The lease agreement contains my electronic signature as a co-signor which I never authorized. When I found this lease on my business credit report I contacted the company in XXXX, XXXX and submitted a notarized Affidavit with the company dated XXXX XXXX, XXXX, which verified that this lease was never opened or authorized by my company. On XXXX XXXX, XXXX, the company sent me a letter stating that their investigation deemed my claim to be valid and they would send Universal Data Forms to XXXX and Equifax to request the tradeline be deleted in its entirety from my credit report. Equifax never removed the item. on XXXX XXXX, XXXX, I once again contacted the company and they once again sent the request to Equifax to remove the tradeline. I submitted a Commercial Research Request Form to Equifax on XXXX XXXX, XXXX, stating this was never my account and to please remove it from my report. The lease company was contacted numerous more times and I spoke to their Legal Resolutions Coordinator who stated they would once again send the Universal Data Forms to Equifax. No results from Equifax. I contacted the Legal Resolutions Coordinator Supervisor on XXXX XXXX, XXXX, who telephoned Equifax and spoke to someone in addition to filing a dispute with Equifax stating this was not my account. I received an email on XXXX XXXX, XXXX, from Equifax stating the dispute was being investigated and I would receive the results via email by XXXX XXXX, XXXX. Since I did not receive an email from Equifax as to the results of the dispute I checked the status of the dispute today, XXXX XXXX, XXXX. Equifax states the result of their investigation confirms that this account belongs to me and to contact the lease company for any questions. I once again called the Supervisor of the Legal Resolution department who stated unequivocally that they submitted the information to Equifax that this account does not belong to me and should be removed from my credit report. The lease company does not know what else they can do to get Equifax to remove this item. I am also at a complete loss as to how to get Equifax to remove this item and how they can continue to claim this account belongs to me when they have received numerous information from the lease company that it does not belong to me. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach, and fraudulent accounts have been reported under my credit file without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I hereby request that all the fraudulent accounts listed below be blocked and deleted immediately from my credit report : XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$00.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$00.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$660.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$4800.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$00.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$610.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$4800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$660.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00}
Product: Debt collection

My husband and I lived at this apartment complex for one year. We were provided a move out amount which we paid in full and had a walk through during which there were no damages pointed out. Months after moving out of the complex, the complex claimed there were damages and that we owed more in rent because they provided the incorrect amount earlier. I tried to reach the property manager several times to discuss these charges but they never answered my calls/emails. Months after this, they sent my account to collections. I provided the collections agency with the inventory list that I was provided when I moved out and proof that we paid the full amount we owed on the account when we moved. They contacted the apartment complex about the dispute and they simply stated that we owe more and they are refusing to erase this debt despite the proof I have presented. They also refuse to provide any visual proof or inventory list of the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with Equifax specifically not showing or reflecting updated or current information. For a long while they had my incorrect birthday, that was properly fixed and My other 2 bureaus XXXX, XXXX show all accounts properly. In total its around 10 or 11 accounts that should be reflecting on equifax report. Its only showing 3 accounts which 2 are open accounts but the other 8 or 9 have not reflected or updated on report since around mid XXXX. Please understand Most of these accounts have been open for years so they are not new accounts. It is really causing a major inconvenience and I am up for a mortgage soon so needing to get this rectified immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XX/XX/2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. 

Since the breach, I have experienced unauthorized access to my accounts and have incurred financial losses as a result. Despite taking preventive measures, including placing fraud alerts and credit freezes, I continue to face challenges in securing my identity. 

I urge Equifax to take responsibility for this breach and provide adequate support to affected individuals like myself. This includes enhanced identity theft protection services, timely notifications of any suspicious activity, and assistance in resolving any related issues. 

I hope to receive a prompt response addressing my complaint and outlining the steps Equifax will take to rectify this situation for its victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # You are reporting a 30 day late for XX/XX/XXXX.

This is inaccurate. I was never late. This should be in good standing. My pay status is reporting : Current ; Paid or Paying as Agreed which is accurate. My other credit reports is reporting this account accurate as in good standing never late. Please update and remove the 30 day late.

XXXX/XXXX  # This account is reporting to be removed on XX/XX/XXXX, this is inaccurate. I have provided a copy of my other credit reports reporting the correct removal date of XX/XX/XXXX. Please delete this account it clearly is inaccurate. The credit reports are not reporting the same information and you said it was verified. How was did you verified?

XXXX/XXXX  # This account is reporting to be on XX/XX/XXXX, this is inaccurate. I have provided a copy of my other credit reports reporting the correct removal date of XX/XX/XXXX Please delete this account it clearly is inaccurate. The credit reports are not reporting the same information and you said it was verified. How was did you verified?
Product: Credit reporting or other personal consumer reports

This complaint is about inaccurate information on my Equifax credit report. I have contacted this company many times to correct or delete information on my credit report that is inaccurate or incorrect. Approximate dates are XX/XX/XXXX  thorough XX/XX/. The company tells me that I am unable to dispute information or the information comes back verified. My employment history reflects companies I have never worked for, I have accounts that I do not recognize and accounts with inaccurate payment history. My information was breached due to negligence of the same company. Due to the breach of information and incorrect information on my credit report I request the information be corrected accurately or deleted from my credit report.
Product: Credit card or prepaid card

My bill was due XX/XX/XXXX for XXXX. I have autopay. I went ahead and paid my bill online early on XX/XX/XXXX for XXXX for the first time in ever. Normally I have to move funds around the day or so prior to the day autopay processing but this time I recall having a busy few days prior to the due date coming up so I decided to do it early. Capital Ones default rule is that if you have autopay and your remaining statement balance is {$0.00} or lower due to early payments or credits, it will draft your current balance at that time. In my case it was XXXX XXXX So without my consent and according to their default rules they drafted an additional XXXX XXXX leaving my business checking out empty and getting assessed NSF charges of {$100.00}. When I called Capital One to ask them to resolve this, they insisted they could only refund the extra XXXX XXXX payment over the next 15 days. That wouldnt work for me and my business.
Product: Credit reporting or other personal consumer reports

Hi XXXX ; Transunion ; A Bankruptcy is public information, Again, the XXXX Bankruptcy XXXX DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Notably, your recent investigation does not specify the data furnisher 's name ; it simply indicates that the information is certified as accurate. I am curious about the source and method of certification. 

I kindly request that you validate this information and provide copies of any associated documentation with my signature. I formally request the immediate deletion of this information from the credit file associated with my social security number. Please be aware that I am closely monitoring my credit file, and you have precisely 30 days, in accordance with the Fair Credit Reporting Act XXXX ( a ) ( XXXX ), to complete this investigation. I will maintain meticulous records of all actions concerning my file. 

Failure to respond satisfactorily within 30 days of receiving this certified letter will compel me to pursue a small claims action against your agency. In such an event, I will seek {$5000.00} in damages, which XXXX include but are not limited to : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Your prompt and thorough attention to this matter is greatly appreciated.
Product: Credit card or prepaid card

In XX/XX/2020, I opened a new Barclay AAdvantage Aviator Business Card In XXXX 2020, I setup my Auto Pay for the credit card ( to pay balance in full each month from my Credit Union Checking account ). When setting up the payment, I ( user error ) incorrectly selected Savings instead of checking. So my first payment on the card was NSFd, and I had to setup a manual payment. 

I called Barclays after the incident to ensure that I appropriately updated my auto pay method to select CHECKING account type instead of savings. This was confirmed in the Barlcays autopay system online ( https : //aviatorbusinesscard.com/ ) and by an agent over the phone. 

In XX/XX/2020, my next autopay was triggered, presumably for the updated payment information, but Barclay 's system REVERTED to a SAVINGS account, not my checking account. This cause my savings account to be charged without my authorization. This resulted in three fees I am disputing, totalling {$84.00} : One fee from Barclays on XX/XX/2020 - " Return Payment Fee '' - {$39.00} One fee from my credit union on XX/XX/2020 - " NSF fee '' - {$35.00} One fee from my credit union on XX/XX/2020 - " Negative Bal. '' - {$20.00} I have contacted Barclays approx 10 times regarding this Barclays system issue. The investigation was completed after 6 weeks, found not in my favor, inexplicably. 

Even more concerning is Barclays lack of responsibility regarding this system issue. Even during my most recent contact with them on XX/XX/2020 ( screenshot attached ), their system AGAIN reverted my autopay to SAVINGS instead of CHECKING. The agent refused to acknowledge my issue as " Bank Error ''
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against XXXX, XXXX, and Equifax for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : Last Verified : Only appears in XXXX. 
Last Day of Activity : Different dates across XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXXXXXX  ), and Equifax ( XX/XX/XXXXXXXX  ). 
Closed Date : Reported only by XXXX as XX/XX/XXXX ; missing in XXXX and Equifax. 
Account Rating : Listed as " Closed '' in XXXX, but " Paid '' in XXXX and Equifax. 
Account Status : Reported as " Closed '' across all bureaus. 
Payment Status : Reported as " Late 60 Days '' across all bureaus. 
Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected. Impact of Errors : These inaccuracies have caused undue har
m to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from XXXX, XXXX, and Equifax verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts that hit my credit report in XX/XX/2023. I did not receive any correspondence from XXXX XXXX, nor XXXX. XXXX has allowed XXXX to double report this item on my report. I also tried to resolve this with XXXX and provideded them with proof of my current lease and I was not living in XXXX Texas where the services were. I also found that all 3 credit reporting agencies are allowing the collection agency XXXX XXXX XXXX XXXX, for XXXX and XXXX double report the accounts on my credit reports to further bring my credit score down. 

Up until this happened, my credit was stellar and because Experian, XXXX, and XXXX allowed the XXXX items to be erroneously reported, my credit score has gone down more than XXXX points. XXXX XXXX XXXX XXXX, nor did XXXX or XXXX contact me to let me know I had an outstanding balance. 

My nephew got the utilities switched over in his name, a few months after I moved out and he was paying the monthly bills. I did not know I had a balance although he was paying under my name. But I also was not notified of those balances and I called and sent letters via XXXX to both XXXX and XXXX and never heard back from him. 

My nephew has since sent me the money to pay for the accounts off. But, I still was not notified via US Mail that I had an outstanding balance.