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

In XX/XX/2018, I submitted preliminary personal information to XXXX XXXX XXXX ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the XXXX XXXX XXXX website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my Experian credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at XXXX XXXX XXXX. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my Experian report. She stated that the bank 's tech team had determined that, having visited the XXXX XXXX XXXX site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the XXXX XXXX XXXX main website page ( at a different, earlier time ). 

At no point did XXXX XXXX XXXX note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the XXXX XXXX XXXX representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report on Experian is incorrect and showing information that is not mine and I just want to apply for a credit card to start building a score.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and Credit XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card

I am disputing the collection account with KIKOFF LENDING LL Caccount number XXXX, dated XX/XX/year>, with a balance of {$19.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that KIKOFF LENDING LLC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX, at the time of purchase I was offered by the dealer an extended warranty that for 7 years or XXXX miles that would cover everything under the hood in the car in case something goes wrong. On Saturday XX/XX/XXXX I was driving on the Turnpike heading to New York and the car was overheating while driving. I then had to pay for a tow truck to have the car towed to the XXXX XXXX XXXX and pay for a Taxi to drop me home. it was very inconvenient and unpleasant. On Tuesday XX/XX/XXXX I received a call from XXXX at the JEEP Dealer XXXX to inquire about the issue the car was having. I was informed by XXXX that my car was not covered by the warranty company because the issue was non-mechanical. XXXX also said they would charge me to replace the coolant only which is {$290.00}. when the car was ready for pick up I had to pay for a taxi again to pick up the vehicle from the dealer..
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports on XX/XX/XXXX and noticed that there was an inaccurate account on my credit report. On XX/XX/XXXX I sent a dispute to Transunion asking them to investigate this account : XXXX XXXX XXXX XXXX 

On XX/XX/XXXX they responded saying they verified the account. I looked at my report and noticed everything is still the same. 

According to 15 U.S.C. 1681 ( I ) they're supposed to update, modify or delete the account. 
According to 15 U.S.C. 1681 E B they're supposed to insure Maximum Possible Accuracy. 
" A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSES TO BELIEVE THE INFORMATION IS INACCURATE. '' And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In General If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

When a company verifies an account they are supposed to report it as verified and remove the " dispute in progress '' remark. If this account was disputed in XX/XX/XXXX and verified on XX/XX/XXXX, why is the " last reported '' date say XX/XX/XXXX. This is because they never actually opened up an investigation into the account. This is directly a violation of the FCRA. 

Not only did they lie about investigating the account in accordance to the FCRA, this account on TRANSUNION is full of blatant inaccuracies and contradicts itself. Not only does it contradict itself, it contradicts the same accounts information that is correct on XXXX and XXXX : -The payment history for this account on TRANSUNION is not accurate according to the other Credit Bureaus . On TransUnion it shows XXXX XXXX of payments were on time. On the other bureaus it shows XXXX XXXX of payments were on time. Also on TRANSUNION it shows the last payment was made on XX/XX/XXXX while on XXXX it shows the last payment was on XX/XX/XXXX. Now if TransUnion wouldn't have lied and said they investigated and actually updated the account AS THE FCRA REQUIRES, they would know this. TRANSUNION can't be correct because it is directly in conflict with XXXX and XXXX. This falls on TRANSUNION and their information is inaccurate. 

TransUnion really did not do an investigation into the account. They lied on an official document saying they did something but they actually didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Mariner 's Finance Bank made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX # XXXX Current address # XXXX Current employer Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. My current phone number is XXXX a. XXXX was stolen from me and is under police investigation by XXXX XXXX XXXX XXXX XXXX. 
2. My current address is XXXX XXXX XXXX, XXXX, XXXX  XXXX a. XXXX XXXX XXXX, XXXX, XXXX  XXXX was my previous address 3. My current employer is XXXX XXXX According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law.

Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

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

I want reported account removed. XXXX XXXX XXXX
Account XXXX
XXXX XXXX XXXX XXXX, GA XXXX
XXXX
Product: Checking or savings account

because of prior complaints to HSBC and them trying to steal my money. they have blocked access to my account. and most importantly. they have sent me violent threats of death. i need this investigated i have the proof of threat messages. i need help from the necessary federal agencies. and then the blocked my account so i couldnt transfer money into the account and lied about sending me a security device back in XXXX and XXXX of 2022
Product: Credit reporting or other personal consumer reports

When it comes to XXXX, they are giving me a very, very hard time regarding my credit report. They are not telling me how the inaccurate information on my credit the report is being verified. Who is the party verifying this? The late payments that is on my credit report from XXXX XXXX is still giving me a hard time regarding this matter. The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports 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. 
XXXX XXXX XXXX for {$330.00} Account number XXXX  XXXX  XXXX  for {$37000.00} COLLEction Account Number XXXX
Product: Mortgage

First National Bank of PA violated the following under the Federal Fair Lending Regulations. 

- Fail to provide information or services relating to, or provide different information or services relating to, any aspect of the lending process, including credit availability, application procedures, and lending standards - Refuse to extend credit, or use different standards in determining whether to extend credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being XXXX  % accurate under 15 US Code 1681e ( b ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland credit management is seeking repayment for an account I have disputed multiple times. My information was leaked in a data breach and this account it not mine. It is stated the original creditor is XXXX. MCM Account number is : XXXX. I refuse to pay for an account I have not voluntarily applied for. I have asked under the Fair Debt Collection Practices Act ( FDCPA ) in the U.S., that I can request validation of the debt from the collector. They must provide proof that you owe the debt, the amount, and that they are authorized to collect it. MCM is threating to sue me with a lawyer and ruining my credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> :
Product: Debt collection

I was working for XXXX XXXX and seized employment in XX/XX/XXXX. I didn't receive notice of my balance owed to the company. I stopped working for this company because I wasn't making enough to support my family. Lockhart Morris and Montgomery contacted me in XXXX but I was unable to make payments at the time. I called them and offered a settlement amount and they declined. Since they declined, I offered to create a payment arrangement and asked for documentation of it and they also declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus use that E Oscar application.. which in reality they're not really validating anything they're not doing anything at all I recently submitted very regular disputes for account updates they came back as not updated when I in fact had my online accounts open and current one company even went back as far as XXXX never bothering to update anything for XXXX I've provided proof and photo shots of my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$4100.00}
Product: Credit reporting or other personal consumer reports

THIS BANK SAID THAT THE AGREEMENT THEY HAD WITH ME CAN HAVE {$1200.00} OVERDRAFT..CHANGED THEIR MIND.. '' WE ARE A PRIVATE BANK NO ONE HAS CONTROL OF US BUT US AND NOT EVEN THE FEDERAL GOVT CAN CONTROL US ... THIS PERSON IS IN CHARGE OF ALL ACCOUNTS SORRY SHE SAID, BUT WE DON'T CARE IF YOU ARE A XXXX VETERAN, BEEN WITH US SINCE XXXX ITS OVER FROM NOW ON WE WILL NOT HELP PAY YOUR BILLS ON TIME YOUR ON YOUR OWN..MY CREDIT IS SHOT WENT FROM XXXX TO XXXX IN LESS THAN A FEW MONTHS. THE OVERDRAFT WAS PAYING ALL MY EXTRA BILLS ON TIME... NOW CANT GET A CAR/TRUCK/ HOME MY REPUTATION OF PAYING ON TIME WENT AWAY ... NO VEHICLE NOW NOT MUCH OF A HOME 4 CREDIT CARDS OVER XXXX XXXX  IS UNPAID... THIS ALL HAPPENED XXXX XXXX I AM A XXXXXXXX XXXX XXXX  VETERAN TREATED LIKE A HOMELESS MAN OR STRANGER.
Product: Credit card or prepaid card

This dispute is for the purchase of 2 tickets for a comedy show by XXXX XXXX on XX/XX/2020. Upon making this purchase, I was not notified of the requirement that there would be a 2 drink minimum during the event, which I was not able to afford. The attached document, Exhibit A, shows this requirement which I was only made aware of by email after purchasing these tickets. 

I had made several attempts to contact the organizer and XXXX regarding the situation before opening a dispute. I attempted to contact the organizer through the XXXX messaging system and explained the situation, but I received no response. Unfortunately, XXXX did not provide me with a record of this message, so I can not attach it. I attempted to call the organizer 's listed phone number twice on XX/XX/2020 to explain the situation, but they did not answer either time, nor was I even placed on hold. 

I do not understand why the dispute was closed in the merchant 's favor, especially given their lack of communication on the situation. Citi did not provide any reasoning for why this dispute was closed in the merchant 's favor either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; .The account : XXXX XXXX Balance Owed : {$11000.00}.