23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Thank you for your detailed response dated [ XX/XX/XXXX ]. I appreciate the time and effort taken to address my concerns. 

I understand from your correspondence that an account, opened on XX/XX/XXXX, has undergone a thorough review, and it has been determined that no fraud occurred. I also acknowledge the information provided regarding the security measures and the timeline of events related to my account. 

However, I still have serious concerns regarding the legitimacy of the charges and the handling of my account. Specifically : 1. Security Verification : While I recognize that a security code was sent to the phone number on file, I did not receive or authorize such communications. I request further investigation into how this verification was conducted and any possible vulnerabilities in the process.

2. Account Activity : The activity on the account, including the enrollment in Discovers online account center and the subsequent transactions, does not align with my known activities. I would appreciate a detailed breakdown of these transactions and any associated IP addresses or locations from which they were conducted. 

3. Lawsuit and Collection Efforts : The lawsuit filed on XX/XX/XXXX, and its subsequent dismissal on XX/XX/XXXX, raise questions about the handling of my case. I request all documentation related to this lawsuit and an explanation as to why it was dismissed.

4. Credit Reporting : I understand that my account is reported as disputed to the credit reporting agencies. However, given my ongoing concerns, I request that a detailed explanation of the dispute status be included in the credit report notes. 

Additionally, there are critical pieces of evidence supporting my claim of identity theft that your company seems to be ignoring : Police Report : I have filed a police report stating that my XXXX account was hacked and my XXXX was cloned without my knowledge. The police report also identifies the individual responsible for cloning my phone Voice Recording from XXXX : I have a voice recording from XXXX confirming the unauthorized access to my XXXX account. 

These pieces of evidence clearly demonstrate that I am a victim of identity theft, and the fraudulent activity on my Discover account was conducted without my authorization or knowledge. Continuing to report this account as legitimate despite the provided evidence is a blatant disregard of the facts and is illegal. 

Moreover, while the records may show that the account was opened using my information, this only proves that my information was used, not that I authorized the charges made on the account. 

I request that Discover reconsider its position in light of this evidence and take immediate steps to rectify the situation. This includes removing the fraudulent account from my credit bureau reports and ensuring that my credit history reflects the true nature of this incident. 

Please let me know the next steps in this process and any additional information you may require from my end. I look forward to your prompt response.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I purchased a car, the car have been back to the dealership more than 5 times. I n having a problem with the battery and the etc. It's pulling on the car that makes it hard to turn. I need the credit information to be corrected. I never paid late. I have been try to make sure the car is driving safe. But, the pulling on my car is making it dangerous
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my equifax credit report Ive sent letters in by mail Ive also called numerous of times Ive filed a complaint with the ftc The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX
Product: Debt collection

Hi XXXX, XXXX XXXX billed my insurance three times for the same services. My insurance provided them with the payment for the services that were rendered but they are still trying to collect the an amount from me that my insurance has confirmed is not due to them. Both my insurance company and myself have explained this to both the service provider, XXXX XXXX, and their credit collections agency, XXXX XXXX XXXX, in early XXXX. However, I still continue to get harassing phone calls from their collection agency. If it helps to rectify the issue the original XXXX XXXX XXXX XXXX claim numbers are Claim # XXXX, Claim # XXXX, Claim # XXXX. If you call XXXX of Tennessee with those claim numbers, they should be able to assist you with any information you may need. 

Thank you, XXXX XXXX Mobile : XXXX
Product: Checking or savings account

I had taken out a loan through a phony unreachable financial company that deposited a fake check and then had me to return the funds back to them before the bank could clear the check.
Product: Money transfer, virtual currency, or money service

The first time I realize they had already been taking from me, and the date was XX/XX/XXXX, my cashapp account information was changed like my email address and that account was at the time was linked to my XXXX XXXX account and it has taken place again in XX/XX/XXXX and XX/XX/XXXX when, XXXX XXXX XXXX account it was my XXXX weeks pay, and I once again again I got nothing back plus no got cut from the bank, and I still have access to some of the paperwork. every proof that I asked before I submitted it everything they ask me for I submit every document and the payment I receive XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX- Has Violated My Rights privacy and confidentiality under 15 U.S.C 1681 Account Date Opened XX/XX/XXXX Account # XXXX Amount owed as of XX/XX/XXXX {$3000.00} On Record Until - XX/XX/XXXX Status : Collection account Past Due As of XX/XX/XXXX Notes : Status : Shows Closed on XXXX XXXX XXXX but Open on XXXX & XXXX which should be closed as well. 

Account Name : OneMain financial Hard Inquiry Date XX/XX/XXXX On Record until XX/XX/XXXX Status Never Resolved Notes ; I Call to have to inquiry removed and Company never filed the Hard inquiry Supression with all three Credit Bureaus to have this matter resolved never heard a response back after my dispute. 

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.

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 .Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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, credit repair services, or other personal consumer reports

No contractual obligation/agreement Pass 30 days and not in dispute NO RESPONSE delivered XXXX Inaccuracies : Incomplete account number Inaccurate date open/placed for collection Estimated month/year removal date is Inaccurate & Incomplete Missing monthly payment Missing past due amount Missing date of last payment Due to these inaccuracies this account was removed from other bureaus ( XXXX and XXXX XXXX
Product: Debt collection

On XX/XX/2020 I notified NCB Management Services Inc, that I never opened any account with this company. I was informed that they had received my dispute letter, my drivers license and my social and the police case number and that I would receive an affidavit in the mail. Well, I continue to call every 7-10 business days and each rep would claim the affidavit was in the mail. I never received the affidavit. On XX/XX/2020, I called again and the guy who answered the phone stated that he was reading from his computer accusing me of having this debt after I stated several times that my wallet was stolen and my identity was compromised. This company has chose to ignore all my law enforcement documents. This is not my account and it is causing a true hardship for me and my family. This company is saying I owe them {$7000.00}. 
I am a victim of fraud and identity theft and this company is trying to force me to pay for something I never took possession of.
Product: Credit card

I was traveling abroad in XXXX caught a taxi service from a parking lot next to the resort on XX/XX/XXXX The guy tried running my credit card for XXXX several times said it wasn't going through he said so I paid {$90.00} cash no receipts were given for declined transaction or cash payment he barely spoke English... and the other taxi driver took me to my location When I noticed the transactions totaling {$250.00} on my credit card statement on the XXXX of XXXX I contacted American Express the moment I got home they refused to reverse the transaction I reached out to the better Business bureau their corporate office called me and told me no that they were valid transactions that they were not going to reverse them that they had receipts which they don't The company name the only thing that's showing on those receipts XXXX something or other is not a legitimate business or name or anything I've done diligent research and could not locate any business or company related to taxi service or credit card transactions with that business name American Express is only providing the transaction receipts that come through on their end they have no actual information for this company in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for reporting inaccurate and fraudulent information on my credit report. The following account appears on my report without my knowledge or authorization, and I suspect it was added as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 This account was fraudulently opened and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) and California state law, Experian is required to remove fraudulent information from a consumer 's credit report within four business days of receiving notice of the identity theft. As a blind individual, these errors are causing me significant hardship and are a violation of my consumer rights. 

I have provided all necessary documentation to substantiate this claim and request immediate removal of this account from my credit report. Failure to address this issue promptly is a violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ) and California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.16 ).

Please confirm the removal of this fraudulent account from my credit report and provide me with the method of investigation used. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like the hard inquiry from XXXX XXXX from XX/XX/2022 on my Experian report removed. Its a non account holding inquiry. 

I believed I was on a pre-qualification / pre-approval website when I got that hard inquiry. The website was an articles that gave a list of pre approval credit card offers that only used a soft inquiry. From what I thought was a soft inquiry a credit account was approved using a hard inquiry. I never used the card bc I didntnintentiwlly open it. 

XXXX informed me they sent a letter to all credit bureaus to remove the inquiry and any other info relating to what was supposed to be that soft pull. 

I spoke to Experian about it, they said I had to get the creditor to send that letter. 
The creditor told me they sent it to all 3 bureaus. 
I asked Experian if they received it, the rep said he couldn't tell. 
Any time Ive had communication with Experian about any matter, Ive asked them to resolve this. 
I called XXXX  XXXX since I couldnt find out if they received the letter when I spoke to their rep. I asked them if they could resend the letter or if I could get a copy I was told no. 

Id just like that hard inquiry for XXXX  XXXX from XXXX removed. Thats all. I need my inquiries for applying for credit products I want. 

Id just like that hard inquiry removed and my credit report undated ( not wait for a month to see it removed. ) Any assistance you can give to resolve this is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a XXXX balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft my information was stolen from me years ago I had a few police reports on this matter over n over again for years my personal information is still being used til this day I never had any credit cards in my name before, I never own or lease a car not ever because I do n't drive at all, n I'm on XXXX n have been for years. I just want help protecting my information is all, I'm disputing everything that's on my credit report asap
Product: Prepaid card

I received an Amex Gift Card and activated it as required before it could be used. The Amex website portal XXXX XXXX XXXX XXXX XXXX XXXX ) shows a balance. I have attempted to use these funds with various online merchants such as XXXX and XXXX ( using {$1.00} less than the face value of the card ). And all the transactions have declined. I then tried again with various other amounts less than the full face value with no success. Many people have reported having this problem starting this past year. I submitted a prior complaint and AmEx 's response is that because there was a pending transaction they could not issue a check for the funds. The attached documents show no pending transactions on the gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
Chase Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Chase Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX
Product: Debt collection

I never got proof of anything and I was sent threatening letters. Before the threats I was told that they can help fix my credit score and get rid of any depts I refused and thats when the games began. The things on my credit arent even from me I have received all kinds of letters saying this is too collect a debt. And letters saying that it has been turned over to a collection agency for what it never says the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this loan on the XXXX of XXXX with a Check in the amount of {$34000.00}, check number XXXX. The bank states that the check cleared on the XXXX of XXXX. M & T Bank maintains that the check has not cleared. This loan should be paid off now. They have a balance reporting on my account. And they posted a let fee onto my account and my credit report.
Product: Bank account or service

I have an account with US Bank. On Tuesday morning ( XX/XX/2016 ) I checked my balance online, it was {$92.00}. On Wednesday morning ( XX/XX/2016 ) I checked it again and my available balance ( including pending transactions ) was - {$0.00}. There were XXXX transactions pending ; {$55.00}, {$22.00}, {$12.00}, and {$10.00}. I knew the {$10.00} was going to turn into {$14.00} because of a {$4.00} tip that would be added to the initial transaction and transferred enough money from XXXX account to cover this. I accept full responsibility for being overdrawn. I thought the {$55.00} transaction had gone through a couple weeks before, but the company waited to charge my account until the product had shipped. I assumed I may be charged a overdraft fee for this mistake and rightly so, but instead I was charged XXXX over draft fees. No matter what order they would have paid them in ( largest to smallest, smallest to largest, or the just the order they were received ) only one should have put my account in the negative. Again all XXXX transactions were still pending when I transferred money to cover them. Also, when I opened the account I was adamant about signing the paperwork so that the bank would reject transactions if there were insufficient funds. US Bank informed me that they considered all XXXX transactions overdrawn and they would not rescind any of the overdraft fees. I believe this type of unfair, unethical policy is why the CFPB was created and would like its help in getting XXXX of the for overdraft fees rescinded. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported late payment after chapter XXXX bankruptcy was filed, I was never late paying on the account.
Product: Debt collection

I have disputed this Syndicated Office Systems Account. I have provided them with an identity theft report that I completed with the FTC. To date, they have not remove this account from my credit file. Please assist me in getting this matter resolved.