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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report A convergent account has violated my rights. Account : XXXX XXXX XXXX. The credit bureaus stated my account was properly investigated but how is that possible if the account number is inaccurate, the account status is inaccurate, payment status is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and also the date of last payment is inaccurate. This is grounds for removal they also violated my rights under 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. I have attached images of the inaccuracies being reported on my credit report.
Product: Credit card or prepaid card

when i apply for the cd, i was informed you get 5 % bk, now its 2 %. They say if the app is used, Its 5 % in walmark store up to a yr, nothing was said about app to get 5 %
Product: Money transfer, virtual currency, or money service

I sent to Vanilla Visa Gift Card at an e-mail address requesting replacement for two lost gift card on XX/XX/XXXX. I had also called them numerous times prior to this. I enclosing all the information that they asked for. I was told to send the first email to XXXX XXXX, 2nd to XXXX. I was told the first two email were wrong. On XX/XX/XXXX ; I called to get the status for case # XXXX, Vanilla Visa Gift Card stating that they didn't have the information. I was given another email : XXXX. I feel that I'm being giving the run around and that they do not want to paid for lost cards. The total amount is {$670.00} dollars. This is not an amount that I can just dismiss. They should not say they will replace when in reality they do not
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the credit report attached from XXXX. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT OF EDXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt was given to XXXX XXXX XXXX. I settled the debt in XXXX of 2018. XXXX XXXX   XXXX communicated with the original debtor ( One Main ) the account was settled. One Main has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.
Product: Credit card or prepaid card

I reported fraudulent charges to Citi that I saw on my billing statement. 

On XX/XX/XXXX I was charged {$1600.00}, XXXX MXN, by XXXX XXXX XXXX XXXX XXXX for commercial equipment. 

During this time I was on vacation in XXXX and the card was in my possession. 

Not once did I make any single charge of XXXX MXN to the best of my knowledge. 

The details for this transaction are as follows : XXXX XXXX XXXX Transaction XXXX : Purchases Posted Date : XX/XX/XXXX  Category : Merchandise - XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXXXXXX XXXX I was also charged {$750.00}, XXXX MXN, on XX/XX/XXXX.This was by a XXXX  XXXX which I also state as fraud as I was told by the merchant that the credit card machine wasn't working and I paid in cash instead. 

The details for this transaction are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Collapse Details Additional Details Transaction Type : Purchases Posted Date : XX/XX/XXXX Category : Restaurants - EATING PLACE, RESTAURANT Reference Number : XXXX Card Member : XXXX XXXX XXXX Merchant Country : XXXX Foreign Currency : XXXX XXXX I didn't notice these until after I got back from XXXX. I wasn't traveling for business, just for vacation. 

Citi refuses to accept my claims as fraudulent because I was honest and told them all other transactions besides these I recognize as valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX today XX/XX/20 and I had my credit ran because I was trying to finance some phones but I was not approved to do so because when my credit report came back it had a few accounts in negative standing ; The account names and number are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX. None of these accounts belong to me ; I did not open them nor did I give anyone permission to open these accounts on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I don't know who is responsible for these accounts nor am I affiliated to nay of the companies listed above in any way.
Product: Debt collection

A collection agency ( Enhanced Recovery, LLC ) added an incorrect collection item to all XXXX of my credit reports in XXXX of XXXX, dragging my score down XXXX points with each bureau. The collection is for XXXX, but I do not know what for. 

The opening date of the collection is listed as XXXX of XXXX. 

I have not had XXXX since XXXX of XXXX, when I switched to XXXX XXXX XXXX. The only account I have ever had with XXXX is a pre-paid phone. I never had a contract with them. 

I disputed the debt with all XXXX bureaus, which is notated on the account, but it was not removed. 

In XXXX of XXXX, I contacted Enhanced Recovery, and asked them to provide proof of the debt. I received a dunning notice, giving me XXXX days to dispute the validity of the debt, which I did. Enhanced Recovery received my debt validation letter via certified mail on XXXX XXXX. 

Now, nearly four months later, I have not received any response from Enhanced Recovery, and the false debt is still on all three of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX XXXX - partial account numbers XXXX and XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 60 to 90 days past due on accounts that have a {$0.00} balance and {$0.00} past due.
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 XXXX 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am trying to settle old debts and improve my credit score. On XX/XX/XXXX my credit score was XXXX... up XXXX points since XXXX. I contacted XXXX XXXX about settling a closed account with a balance of {$1100.00}. I was given a settlement amount of {$770.00} on XXXX. After making this payment the agreement was that " XXXX XXXX will report your account settled with a XXXX balance ''. I paid XXXX {$770.00} on XXXX. On XXXX XXXX, I checked to see if my settlement had been reported and recorded on XXXX XXXX. My credit score was reduced to XXXX. Equifax had updated my Status for this XXXX account to Charge off, balance to {$410.00}, Available credit to ( negative ) - {$410.00} and charged off account closed by creditor. It appeared to me that the {$770.00} settlement payment was applied as a partial payment which created a new {$410.00} balance and initiated a drop in my credit score of XXXX points. On XX/XX/2023 I checked to see my score was changed to XXXX and said it was down XXXX ponts from XXXX. XXXX and XXXX also posted a change in my credit score but after contacting them it appeared that the change was because of the way the payment was reported. After disputing the credit scores XXXX has corected my score and it is now XXXX. XXXX has corrected my score and it is now XXXX. After three disputes, Equifax refuses to acknowledge that an error in reporting has occured. I have disputed the score several times. I simplified my third credit score dispute to simply explain why my credit score dropped XXXX points after the XXXX XXXX payment was made. The dispute says that it has been completed but there are no results. I believe that XXXX XXXX reports this way to further punish the creditor who is trying to correct past mistakes.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent credit inquiries listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized inquiries removed. 
The inquiries in question are as follows : Inquiries : XXXX. XXXX  - Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the furnisher XXXX XXXX  dated XX/XX/XXXX regarding the negative items reflected on my account. I've mailed debt validation date XX/XX/XXXX and method of verification letters dated XX/XX/XXXX to the 3 bureaus. I received a statement from XXXX XXXX  dated XX/XX/XXXX that this account was already sold last XX/XX/XXXX. 
Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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

I request that you promptly block and eliminate the false accounts reported on my credit report. This action is urgent to prevent further harm to my credit standing. Kindly block and remove the inaccurately reported accounts on my credit report immediately. It is essential to do this promptly as these errors are affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$450.00} on the XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a XXXX account and shortly thereafter decided to cancel this account. I followed the cancellation policy outlined by XXXX. I even took it a step further and went to ( 2 ) stores and spoke with a supervisor at each store to confirm the account was cancelled and in good standing. On both occasions, each representative told me that the account was paid and in good standing and that the account was in fact closed and there were no issues with the account. I later spoke to the regional director of XXXX, and he too looked up my past account, and confirmed that the account was in good standing and there were no issues. I did not receive documentation from XXXX that this account was in jeopardy. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance to report and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights tot privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXXXXXX XXXX XXXX account # xxxxxxxx XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, DE XXXX XXXX This account has been closed and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX XXXX I do not recall this information and debt, I wish this to be removed from my credit report Account name : XXXX XXXX XXXX account number # xxxxx XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This has been closed and paid off and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have not given them approval to run my credit and I wish this to be removed from my credit report 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of information any other adverse item of information, other than record of convictions of crimes which antedate the report than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently sent in report expressing to the XXXX  major private credit bureaus that the following accounts are not mines, nor did I give any agency permission to report any account on my behalf to any third party or private agency .There are many consumer laws to protect the privacy of individuals like myself. 

I'm demanding that the following unauthorized accounts be removed from my consumer / credit report. 

1. XXXX XXXX, a duplicate double account reporting and both needs to be removed immediately. 

2. XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXX XXXX 5.XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX These accounts should be removed and blocked from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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

In accordance with the Fair Credit Reporting act XXXX  XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX FS Account XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX & XXXX Account number : 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 my written instructions.
Product: Debt collection

A few years ago i switched from XXXX to XXXX I paid the final bill and in fact kept the account open just in case i owed any amount of money I even contacted XXXX and told me that this collection was not true and that i Did Not owe XXXX any money I have told them several times about this I have also called XXXX I would like this company and this debt off of my credit record ASAP