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

I recently received a response to a dispute that I made under FCRA 809 ( B ) regarding the validation of the below accounts which you show as validated and belonging to me and further updating on my credit file. I also see that inaccurate personal information still remains reporting inaccurately.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence with any parties. Please include all names and contact information of the person ( s ) that you spoke with as part of your investigation.

I would like to request that you please do not send me a template letter in response to this request as I am in the process of planning a legal case, so I need specific answers to the questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention in this matter. I very much look forward to getting this resolved as soon as possible.

Social security number you are reporting is inaccurate you have it ending in XXXX and my social is XXXX, you are reporting inaccurate information and thus are reporting inaccurate accounts! 
Address reporting inaccurate are : 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 XXXXXXXX XXXX XXXX Any inquiries not associated with an account are inaccurate and unauthorized.
Product: Debt collection

This is a dent incurred at the hands of frontier communications for Internet equipment. I canceled services XXXX XXXX of XXXX. I was told they would send me a box and shipping label to return equipment. This did not happen! Then in XXXX of XXXX I received a letter from collection agency with whom I had several different communications with stating the issue! They gave me a number to which I called, they gave another number because I requested corporate contact. This corporate contact I think was phony because I requested the box and label again to which they said they would gladly send but never did! I further tried to return by driving to several different frontier communication locations in the XXXX XXXX and XXXX area just to find they were all for the workers installers and I was unable to return on site anywhere! I even asked a client of mine who works for frontier and he said hes not allowed to do that. He also stated he himself was having a problem very similar with frontier, they reported him and he returned the equipment and he works there. It honestly is a shame that cable companies get away with this continuously! How is it that I am requesting ( the ability you provide to Customers when cancelling service ) to return your equipment and you dont follow through and I take the hit! That is horrible business practice and very wrong!
Product: Credit card

I have been paying on my care credit card for over a year my payments have been XXXX plus dollars and my balance still remains the same because of the high interest rates its ridiculous how can anyone afford this, its already ridiculous when you have medical insurance you pay for and you still end up paying so much out of pocket then in order to cover that I rely on care credit and they scam you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts opened in my name that I never opened or authorized.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at LVNVFUNDG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, three personal loan account under XXXXXXXX XXXX XXXX XXXX XXXX under the account numbers ( XXXX, XXXX, XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Netspend sent a prepaid credit account to an address that I haven't lived for 7 years. Luckily, my friend bought the house from me, and texted me the info. I can not believe they are allowed to send unsolicited credit cards, that can easily be activated by anyone. I tried to call to have them remove my information from their database, but it won't let you speak with a representative, it will disconnect the call if you don't activate the card. I also sent them an email. I do not want my name associated with this.
Product: Payday loan, title loan, or personal loan

Trying to cancel a loan but customer service wont allow me too. So I emailed them and I still have yet to receive a response. The information in the loan agreement is false. The contact email address doesnt work.
Product: Payday loan, title loan, or personal loan

In the second week of XX/XX/2018 I applied for a personal loan from Citibank for {$12000.00}. 

I have had an account with Citibank for more than five years, and have had two loans with them, one paid off in full, the second with less than 1/3 of  the balance left on it. 

Perhaps the most foolish thing I did was listen to the advice of the XXXX personal banker at the bank. He gave terrible, misleading advice throughout, and it's obvious at this point that his chief priority was to get his share of whatever bonus is offered from him making new loans. 

The loan came back as approved for {$10000.00}, and he started celebrating the loan approval. But after a few seconds of celebrating, he realized that he had not pressed the right key, and the loan was assigned to an underwriter. He was surprised, and said it was a formality that occasionally took place to make underwriters useful in their work role, and that it would take a few more days, but then at that time the loan would be approved. 

A letter was mailed out to me telling me of my approval, saying that some additional documents were required within 15 days. The documents were tax returns from the last few years, all which confirmed income that far exceeds the nominal scope and amount of the loan. The pathetic personal banker failed to mention this information before I left the branch, and I told him I was going out of town for ten days. By the time I returned and sent in the tax forms that had been requested, the application had been put on the fast track for rejection, and it was obvious when I called in to check on its status, and a total pathetic XXXX answered the inquiry, that this XXXX bank had any intention of honoring the loan approval. 

In conclusion, Citibank is a pile of garbage that hires really XXXX people to work for it. I'm sure this has to do with other factors such as the particular demo and traits of who gets approved for loans, and it is something I will keep in mind as I wind down my dealings with this fast-failing institution for losers.
Product: Checking or savings account

I received unemployment from the state of Illinois due to losing my job during the COVID Epidemic. After received my back pay from the unemployment office, Chime suspended my account. Ive had Chime for 3 years and couldnt understand why they would do that. When I called, I was given no explanation. I spoke to 3 customer service reps, 3 supervisors, and 1 member dispute agent. I submitted proof of my identity and proof from the unemployment office that I was entitled to the benefits deposited. My account is still suspended. This is just very frustrating because lots of people had to fight for their benefits
Product: Debt collection

XXXX  IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY IN A COLLECTION STATUS AND STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX  Account Number- XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the inaccuracies on my report by this company. They have failed to cooperate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, 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 consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese 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 XXXX XXXXXXXX ) 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

My name is XXXX XXXX I have called these companies ( XXXX, XXXX ) several times to ask how these inquiries were reported to my credit report without my knowledge only to tell me that they don't have any of my information on file with them. 15 U.S.C Subsection 1681 which states " ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states " ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. This is fraud and these companies are wilfully violating my rights as a consumer. Equifax, XXXX, XXXX do not have my consent to furnish this information and surely do not have my written consent. Any consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 U.S. Code 1681e - Compliance procedures states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax is not maintaining reasonable procedures. I am seeking compensation for all violations against the companies, and the reporting agency.
Product: Credit reporting or other personal consumer reports

15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the day of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Experian.
Product: Credit reporting or other personal consumer reports

Last year I discovered a false account with XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit score went down and it's saying someone from another part of town have been using my information to buy things and I haven't bought anything in my name besides the home that I live in please help me out
Product: Credit card

I checked my credit score at XXXX XXXXXXXX and it's gone down a lot, and when I checked my credit report for XXXX there's a delinquent account from someone called Synchrony who I have never heard of before. I do not have any knowledge of this account and have no idea what this is for. I do not know if someone opened an account in my name, or if this is some other issue. I would like some details about what I supposedly owe, if this is a valid debt I will pay it but I don't think it is.
Product: Debt collection

XXXX was hard on me I also went through a bad hard ship and some identity fraud against me and my personal credit and banks got hit also I had one company that failed due to excessive fraud against me and my buisness I need the help because I dont recognized any of this stuff on my. Credit
Product: Bank account or service

I was young and thought I had gotten a check for early payment on services and was getting this nice cozy job but got scammed. It has caused nothing but chaos on my life trying to open a bank account and being denied everywhere due to Bank of America.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate inquiries on my personal credit report. These inquiries are related to business accounts and should not appear on a personal credit report. Despite XXXX prior written disputes to XXXX, XXXX, and TransUnion on XX/XX/year>, and XX/XX/year>, the errors have not been resolved. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain the maximum possible accuracy of reports and to reinvestigate disputes within 30 days. XXXX, XXXX, and TransUnion have failed to comply with the following provisions : 15 U.S.C. 1681e ( b ) : Procedures to ensure accuracy were not followed.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The disputes were not properly reinvestigated.

15 U.S.C. 1681i ( a ) ( 4 ) : Relevant information was not reviewed during reinvestigation.

15 U.S.C. 1681n ( a ) ( 1 ) ( B ) : This failure constitutes willful noncompliance, entitling me to statutory damages of up to {$1000.00} per violation. 
I request that the inaccurate inquiries be immediately removed, a corrected credit report be provided, and assurances be given that future inquiries will be properly verified. 

XXXX, XXXX, and TransUnion have had sufficient time to resolve this matter. Their continued failure to act has forced me to escalate this issue to the CFPB.
Product: Credit card

I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 U.S. Code 6802 that you, XXXX XXXX XXXX XXXX Total Balance Due {$1100.00} XXXX XXXX & XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the Specific inquiries that are falsely being reported on my credit that I requested to be removed : 1. XXXX - Date : XXXX 2. XXXX XXXX - Date : XXXX 3. XXXX  - Date : XXXX 4. XXXX  XXXX/XXXX - Date : XXXX 5. XXXX - Date : XXXX 6. XXXX/XXXX/XXXX - Date : XXXX 7. XXXX  XXXX XXXX - Date : XXXX 8. XXXX XXXX XXXX - Date : XXXX 9. XXXX  - Date : XXXX 10. XXXX XXXX - Date : XXXX 11. XXXX XXXX XXXX XXXX - Date : XXXX 12. XXXX XXXX  - Date : XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX  XXXX - Date : XXXX These are all false inquiries that I requested by mail and follow up complaint to be removed today. I wrote these detailed notes to Experian, XXXX XXXX. And XXXX last month. Im being targeted.
Product: Credit card or prepaid card

They're trying to process payments that were not authorized. They turned my auto pay back on without my permission. They call several times a day using false local numbers. They call on XXXX  which is not allowed in the State of West Virginia
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX  Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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