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

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Consumer Loan

I purchased a vehicle cautiously with the assistance of my co borrower and made it known to the dealer that I was not 100 % sold on the vehicle. I was advised that I could return the vehicle within 30 days for something else if I was not happy with my purchase. I was not happy with the vehicle and returned it to the dealer and received a return receipt. After a couple of months I receive correspondence from the finance company about unpaid debt. I received a further call from the finance companies detective who clarified that the car was indeed in the possession of the dealer who was unaware of its return. I made this known to the collection agent who was servicing the account and forwarded the necessary documents and letter or explanation but the issue was never amended. The debt has been sold to another collections agent who is now harassing me for a debt that does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismayXXXX XXXX  and Transunion did not provide evidence. CFPB step up and delete ALL XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX   (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) XXXX,  (Original Creditor: ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX, and received an alert that my social security number was used by factual data on XX/XX/2021. I reached out to XXXX XXXX to file a dispute that I was told by XXXX XXXX that could take 30 days. I was not aware of the Inquiry by XXXX XXXX  nor did I apply for anything online. When I received the report from XXXX XXXX to remove this Inquiry from my Credit report that I did not authorize. I was denied by Guaranteed Rate. Then I was informed that the XXXX XXXX report was authorized by a company called Guaranteed Rate. Then I was informed that this was a Mortgage loan from Online by Guaranteed Rate. Again I did not authorize or apply to any Mortgage Company online. So I have filed an Identity theft fraud complaint with the credit agencies. I'm just requesting this inquiry by Guaranteed Rate, and information removed from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses listed as my personal information on my Experian and XXXX credit report is inaccurate : 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. The addresses are not my addresses and I have never resided at the above addresses.
Product: Credit card or prepaid card

I received an unsolicited credit card from " Chime '', when I tried calling the company they did not answer and instead informed to send them an email at XXXX. I have never opened an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy being reported on my credit report by XXXX XXXX and Experian that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for the removal of this inquiry from my credit report, which was inaccurately reflecting my credit history due to identity theft. I never visited or inquired about this Bank/ Company , Pursuant Section 605B. Please remove this inquiry. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the inquiry along with an explanation of the situation : I did not open or authorize the inquiry listed above. I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent inquiry, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for Equifax credit bureau to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once this fraudulent inquiry has been removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

On XXXXXXXX XXXX  a charge in the amount of {$980.00} was made to my Apple Mastercard account held by Goldman Sachs. This charge was made to my account by the Apple.com.us merchant. I never made or authorized this transaction. The transaction has been in dispute resolution with this merchant since then. On my last contact with the credit card company, on XX/XX/XXXX XXXX XXXX  I had a representative of Apple.com/us on the phone with a manager of the credit card company where confirmation that there was no such transaction authorized by me was made. I was promised a resolution within 10 working days of this last contact but no such resolution has been made. This situation appears to exceed any regulatory threshold for complaint resolution. Your assistance in resolving this matter would be appreciated.
Product: Checking or savings account

Payment Method : XXXX Pay Date : XX/XX/2022 Amount : {$1000.00} Type : Withdrawal Payment ID : XXXX As of XX/XX/2022, the payment is still being held by the bank with no clear processing timeframe provided.
Product: Prepaid card

XXXX sent a money network card with {$1000.00} on the card. On Saturday XXXX XXXX, 2016 I received mail from Money Network stating to send in SS number and Id. I fax the information required and the hold still has not been released. XXXX also fax over document. The company is holding customer funds. and taking personal information from united state consumer. The hold was place on my account on XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

I am writing to convey an overwhelming sense of urgency and frustration that can not be overstated. It has come to my attention that despite my repeated efforts to resolve the matter, fraudulent accounts persist on my credit report. This constitutes a flagrant violation of my consumer rights and is utterly intolerable. 

Your persistent failure to address this issue is not only unacceptable but also deeply troubling. The presence of these fraudulent accounts is tarnishing my financial reputation and causing considerable distress. As a victim of identity theft, the negligence of your bureau only exacerbates the severity of the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand immediate action on your part to cease reporting these fraudulent accounts on my credit file. Your inability or unwillingness to do so reflects a gross dereliction of duty and a blatant disregard for the law. It is abundantly clear that the practices of your bureau are inadequate and must be rectified without delay. 

Furthermore, I anticipate a written response from you within the next five business days, confirming the removal of these fraudulent accounts from my credit report. Additionally, I insist on receiving comprehensive documentation outlining the steps taken to investigate and resolve this matter. 

Let me be unequivocal : should these demands not be promptly met, I will not hesitate to pursue legal action against your bureau. The repercussions of your inaction will be severe, and you will be held accountable for the significant harm inflicted upon my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Debt collection

I don't have a record of this record that always had a place with me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.
Product: Credit card or prepaid card

In XX/XX/XXXX we received a call from Citibank saying there may be a suspicious activity on our account. We reviewed the information with Citibank representative and it was determined that our credit card was compromised and that a number of the charges on our bill were not purchases made by us. Among them were charges from Macy 's for {$550.00}, XXXX XXXX XXXX for {$17.00}, XXXX XXXX XXXX for {$1100.00}, XXXX XXXX for {$590.00}, and XXXX XXXX XXXX XXXX for {$1100.00}. 
All of these charges were initially credited back to our card. All of the disputes, expect for the XXXX XXXX XXXX XXXX for {$1100.00}, were settled and the credit was permanently placed to our account. 
The charge for XXXX XXXX XXXX XXXX for {$1100.00}, however, was put back on our account. We received a letter from Citibank dated XX/XX/XXXX informing us that they reversed the credit on our account because they were able to verify that the merchandise was shipped to our address. It is correct that the merchandise was shipped to our address, and, in fact, we are still storing it in our living room until this dispute is resolved. But we never ordered it, have no use for it, and do n't even understand what the merchandise does. If anything, I believe that we are owed storage fees. Based on the shipping label, the order was made from a phone number ( XXXX XXXX XXXX ) that is not associated with us. We have tried this phone number and got a live person on the other side of it, but she refused to identify herself. We have no idea why the merchandise was shipped to our address, but the only plausible explanation is that XXXX XXXX XXXX XXXX got this address from the credit card company, Citibank. We have called XXXX XXXX XXXX XXXX three times on XX/XX/XXXX in an attempt to return the package. XXXX XXXX XXXX XXXX indicated that they will email us a return authorization label, but they never did. This merchandise is heavy and costs a significant amount to ship back at our expense. In addition, there is no guarantee or indication that the credit will be restored if the company does receive the merchandise back. 
In further follow-up attempts, we called Citibank on several occasions, including : XX/XX/XXXX was asked to write an email to the Billing Dispute department referencing a case number XXXX, which we did on the very same day. There was no response. 
XX/XX/XXXX was told that someone will get back to us, but no one ever did. 
XX/XX/XXXX was told that Citibank will not reverse the charge. 
We can not and should not be held responsible paying for a merchandize we did not order that was part of a greater fraud, and that the only reasonable explanation to how the merchandise was shipped to us is that Citibank somehow provided that information or it was obtained from Citibank as part of a security breach. At this juncture, it appears that Citibank is illegally colluding with XXXX XXXX XXXX XXXX to charge us {$1100.00}. 
Respectfully, XXXX and XXXX XXXX
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 EQUIFAX 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 consist of personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report, several key legal provisions are relevant, including XXXX U.S.C. 1681a ( e ), 15 U.S.C. 1681i7, and 15 U.S.C. 1681g. 

1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ). This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report.

2. **Description of Investigation** : 15 U.S.C. 1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law.

3. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the three disclosure forms mandated by 15 U.S.C. 6802. 

Given these legal requirements and your assertion of the account 's fraudulent nature, you demand the immediate removal of the account from your consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have incorrect information with all 3 credit bureaus : - XXXX XXXX XXXX ( Account Number : XXXX ) : Has incorrect dates of first delinquency. XXXX has date of XX/XX/XXXX, TransUnion has date of XX/XX/XXXX, XXXX does not have this information. TransUnion and XXXX also have incorrect payment histories throughout their filings. 

- XXXX XXXX  ( Account Number : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX through XX/XX/XXXX. XXXX has past due days of 150 in XX/XX/XXXX, TransUnion has past due days of 120 in XXXX. XXXX has me in good standing as of XX/XX/XXXX, TransUnion has me in good standing as of XXXX XXXXTransUnion and XXXX also has incorrect payment histories throughout their filings. XXXX does not have this information. 

- XXXX XXXX  ( Account XXXX : XXXX ) : Has incorrect past due dates starting from XX/XX/XXXX until account close date. Many inaccuracies throughout payment history. XXXX 60 day past due in XX/XX/XXXX, TransUnion has 30 days past due in XX/XX/XXXX. XXXX has me in good standing from XXXX XXXX XXXX TransUnion has both 30 day and 60 days past due days in the same time span. TransUnion and XXXX also have many other incorrect payment histories throughout their filings. XXXX does not have this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX falsely reported a 30 day late payment on my XXXX credit report. I was never 30 days late on any payment. After bringing it to their attention, they still refuse to remove the false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. 
Last year I filed a complaint with each of the respective credit bureau ( XXXX, Trans Union and XXXX ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on XXXX of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through XXXX XXXX, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX, XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX )
Product: Checking or savings account

On XX/XX/XXXX Citizens bank charged me an overdraft fee of XXXX dollars and my account never overdrafted When I tried getting it fixed I got every excuse from you cant see what we can see on the app we provide you so you need to log into a computer and check your actual account to make sure they match clear to the transactions that you have your card set to not be able to make if you dont have money overdrafted it, to we cant just take XXXX dollars out of your savings so you dont overdraft your account even though you have it, we instead need to charge you XXXX and it doesnt matter if you have it set up to not be able to use your card if its going to overdraft I am sending pictures They charge what I can see and what days things are where on my ledger constantly and I feel like its a dishonest deceitful means to obtain overdrafts from ppl who had money in their accounts and wouldnt normally do it Its shady Its unethical And they need to go by what they show the customer on their ledger and not use the excuse well you cant see the same stuff I can Ok why??? Thats disturbing My version of my money I let Citizens hold, shows I never went into red
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit at the dealership and I was promised that XXXX was the only company that wouls run my credit but im seeing otherwise and i want it removed
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding my discovery of derogatory marks on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I believe these derogatory marks stem from that traumatic experience. 

As a survivor of XXXX XXXX I have faced immense challenges in rebuilding my life and reclaiming my financial stability. Unfortunately, these derogatory marks on my credit report serve as a constant reminder of the abuse and exploitation I endured. 

I kindly request your assistance in blocking these derogatory marks from my credit report. I am working diligently to overcome the repercussions of my past experiences and rebuild my creditworthiness. However, these marks only serve to hinder my progress and perpetuate the cycle of trauma and it has. 

XXXX XXXX XXXX XXXX has not only made it difficult to get information from them but to give them information as well. I still remain clueless as to where I would send documents because I have been instructed not to do so through the email in which I have corresponded with them a few times on. But this investigation has gone on for so many months now and it still remains on my credit report and I have done nothing but be very transparent and willing to give them information. They're just running from cause they don't want the truth or anything that's going to benefit my situation it seems. 

I understand the importance of accurate reporting and the integrity of credit information. However, in cases of extreme circumstances such as XXXX XXXX  I believe there is a moral obligation to provide support and assistance to survivors. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me at XXXX or email XXXX if you require any further information. 

Thank you for your understanding and support. 

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

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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