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

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1975 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Today I woke up and checked my credit report and this account that Im reporting is still reflecting on my credit report, Iam reporting that it be deleted and blocked from my report its affecting my credibility!
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX  / XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I wrote to XXXX, XXXX and Equifax including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on XXXX And Equifax in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

XX/XX/scrub>XXXX tried to contact them about this but they was real disrespectful, kept asking me to give them a reference number
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these credit agencies a certified letter about the inaccuracies on my credit report and Experian, XXXX and XXXX Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX I still found that the same inaccuracies on my report
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX  XXXX, {$5200.00} - XXXX XXXX XXXX XXXXXXXX, {$4400.00} - XXXX XXXX XXXX XXXX XXXX, {$810.00} - XXXX XXXX XXXX XXXX, {$420.00} - XXXX XXXX XXXX {$2500.00} 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a charge-off as having a payment due date of XX/XX/year> how is this possible? I want clarification across all three credit bureaus and the CFPB to actually back me up when it comes to consumers rights and accurate reporting.
Product: Credit reporting or other personal consumer reports

Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these item sare still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay. anymore.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. After carefully reviewing my credit report from Experian, XXXX and XXXX dated XX/XX/2023 I discovered several hard inquiries that I did not authorize or initiate. These inquiries are negatively affecting my credit score and financial well-being.

Unauthorized Hard Inquiries : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I would like to emphasize that I have not applied for credit with the creditors or given consent for them to access my credit report. These unauthorized inquiries are not only damaging my credit score but also affecting my ability to obtain credit at favorable terms, such as loans and credit cards. 

I kindly request that [ Experian, XXXX, XXXX ] conduct a thorough investigation into these unauthorized hard inquiries. Please provide me with the results of your investigation, including any supporting documentation from the creditors involved. If you determine that these inquiries were indeed unauthorized, I request the immediate removal of these inquiries from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days of receiving a written notice. I am aware of my rights under the FCRA and the importance of accurate credit reporting.

I kindly request that you notify me in writing of the outcome of your investigation within the legally mandated timeframe. If the investigation finds in my favor, please provide me with an updated copy of my credit report reflecting the removal of these unauthorized hard inquiries.

I appreciate your prompt attention to this matter and your commitment to resolving this dispute in accordance with the law.

Thank you for your immediate attention to this dispute. I look forward to a prompt resolution and the removal of these unauthorized hard inquiries from my credit report.
Product: Credit card

Around the middle of XXXXXXXX XXXX XXXXXXXX, I looked at my credit card statement and I realized that there were 3 transactions that were not mine : XX/XX/XXXX XXXX XXXX {$110.00}, XX/XX/XXXX XXXX 's Discounts {$68.00}, and XXXX {$200.00}. I called Chase on XX/XX/XXXX to let them know that I did not make the purchases. They adjusted my account BUT on XX/XX/XXXX I received a letter stating that after reviewing the unauthorized transactions they found it to be valid and my card was charged the same amounts again on XX/XX/XXXX PLUS the added a charge at XXXX for {$110.00}. On XX/XX/XXXX, I consulted with XXXX XXXX XXXX XXXX as to what to do with this issue because it was not me who made the purchases. I followed the instructions from the lawyer : I filed a police report and I called the consumer reporting agencies ( XXXX, XXXX and XXXX ) so they can put a fraud alert. I placed another dispute with Chase on XX/XX/XXXX about the charges. I sent Chase a copy of the police report and the communication with all 3 consumer reporting agencies. I received a letter on XX/XX/XXXX still finding the transactions valid. At the beginning of XX/XX/XXXX, I went to a Chase branch in person and spoke to a banker who investigated the situation. He helped me realize that there were more fraudulent charges since XX/XX/XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$50.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$52.00}, XX/XX/XXXX XXXX {$23.00}, XX/XX/XXXX XXXX $ XXXX XXXX {$14.00} and XX/XX/XXXX XXXX {$5.00}. I received another letter from Chase on XX/XX/XXXX finding all the purchases valid again. The lawyer from XXXX XXXX advised to place a complaint with CFPB if Chase refuses to find the purchases to be fraudulent. I did not make those purchases and I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account for XXXX through the credit bureaus. The results came back as meet FCRA requirements. 

XXXX need to provide documentation showing that I opened an account with them in XXXX XXXX. I never opened an account with XXXX in XXXX. 

I am asking for them to delete this account from my credit reports if they can not provided documentation showing that I opened an account with them in XXXX. 

And how can I owe on an account that I never opened in XXXX. 

And also to note, I have the proof showing that they removed the account from my credit and then put it back on my credit stating that I dispute and meet fcra requirments. 

This is not fair for them to report false information on my credit saying I opened an auto loan and XXXX. I never opened a loan in XXXX with XXXX or any auto lot. 

Please can this be resolved? I would greatly appreciate it. 

Thanks.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and incorrect information listed on my credit report concerning the following accounts : XXXX. Account # XXXX with XXXX XXXX Collection Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. Account # XXXX with XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$4400.00} XXXX. Account # XXXX with XXXX  Date Opened : XX/XX/XXXX Amount : {$1900.00} The information reported on all of these accounts is inaccurate and should not appear on my credit report. I initially filed a dispute with Experian, requesting a proper investigation into these accounts. However, Experian failed to follow up on my dispute and did not take any corrective action to address the inaccuracies. 



I recently learned that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian. The allegations against Experian include : Accepting unreliable and inaccurate information from data furnishers, and Failing to notify consumers of the results of their disputes in violation of federal laws. 



These allegations align directly with my situation. Experian has not made any effort to address my dispute, remove the inaccurate information, or correct the errors despite their obligations under the Fair Credit Reporting Act ( FCRA ). 



The presence of these inaccurate and derogatory accounts on my credit report is negatively affecting my financial stability and opportunities, including my ability to secure housing and a vehicle. Experians failure to address this matter is not only a violation of my rights as a consumer but also a breach of federal laws designed to protect consumers from these exact issues. 



I am requesting the immediate removal or correction of these derogatory marks from my credit report. This matter must be resolved promptly, as these inaccuracies are causing undue hardship. If this issue is not addressed, I will have no choice but to pursue additional legal remedies to protect my rights. 



Thank you for your time and attention to this urgent matter. Please feel free to contact me directly if further information or documentation is needed to assist with this investigation. 



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

So I have been disputing a collection account on my credit for years and today when they finally deleted it. they adjusted my score XXXX? Why if a incorrect account on my report is deleted would my score drop not increase. ALl of the other bureas when the item was deleted the score increased XXXX approximate points. Why would removing an inaccuracy like a collections account make my score decrease. There have been no other changes to the account. I pay my bills on time and am working very hard to improve my score so that I can buy a home. I would like them to show me the method that they use to justify a decrease in my score instead of it rising back to the level it was on prior to the inaccuracy being put on my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I files a Complaint # XXXX with CFPB against Experian for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XX/XX/XXXX on my personal credit report. Experian has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to Experian. Experian responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off an installment loan and it drop my FICO score 23 points, with Experian. My score has been going up and utilization down. But when my installment loan was paid off my score should have went up not 23 point down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing a credit card that is reporting on my credit report that is false and causing me to be denied credit. I receive letters for three different debt collectors about the same debt, when i try to dispute with the address given my mail is being returned to sender. I have no knowledge and or contract with this company or any of the other companies that is trying to collect on this inaccurate debt. the alleged debt is in the amount of {$750.00}, I have not been provided with any proof that I owe such debt from any of these debt collectors and credit bueraus. Everything continues to come back as verified accurate still with no proof of accuracy. I have a letter form the alleged original creditor XXXX XXXX XXXX  stating that they have no record of the account ending in XXXX.
Product: Debt collection

XXXX XXXX, XXXX I requested validation from FCO regarding collection account reported on my credit report dated XXXX/XXXX/XXXX. 

They provided proof on XXXX/XXXX/XXXX ; however the " Statement of Security Deposit Accounts '' document dated XXXX/XXXX/XXXX does not provide dates of amounts in " Balances Due '' section. There is a " New Charges '' section reflecting {$1300.00}, with no itemization of these charges. Additionally, there is a {$750.00} " Damages '' charge ; however a Damage Assessment was not provided.
Product: Credit reporting or other personal consumer reports

This account contains incorrect information on my credit report across 2 Credit Bureaus, being Experian and XXXX. The named account reports inaccurate information within 2 bureaus that is completely different. The multiple inaccuracies such as payment history, balance owed and other factors reporting are completely against my rights under the FCRA. For that reason XXXX has removed this account from their reporting Bureau. I have sent Experian a letter regarding this matter and it has not been resolved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I recently tried to purchase a vehicle and noticed I had several credit cards with outstanding balances. I have never taken out a credit card. I am currently a victim of identity theft. I have called several of the banks with outstanding balances and have closed some. ( so they say ) Accounts range from XX/XX/XXXX to  XX/XX/XXXX. that would mean someone has been using my social since I was the age of XXXX. 

Originally XXXX XXXX then sent to resurgent ( 3rd party debt collector ) amount due : {$2000.00} date opened : XX/XX/XXXX I was XXXX in this year I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX amount due : {$2400.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX ( 2 accts ) amount due : {$0.00} date opened : XX/XX/XXXX ( XXXX yrs old ) amount due : {$530.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX XXXX XXXX amount due : {$1400.00} date opened : XX/XX/XXXX have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

I have called the 800 # s of these banks none of them had my actual personal information and I was told that there is an authorized user on them. 

address discrepancies contact info discrepancies age discrepancies
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX I applied for XXXX XXXX credit card and I had hard inquiry on Equifax which fine and normal then I found another hard inquiry for same company on XXXX XXXX XXXX I did apply for the credit onetime and I got approved on XXXX XXXX XXXX for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XXXX XXXX XXXX. its from XXXX XXXX for XXXX  credit card cos. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted CFPB Complaint # XXXX requesting Experian remove the FRAUD ALERT from my credit profile. I even sent the demand to their attorney on XX/XX/XXXX clarifying they were not entitled to have a copy of my ID or any other personal information outside of what's necessary to identify they have the correct profile pulled up. 

In a correspondence dated XX/XX/XXXX from Experian 's attorney, XXXX, she states that Experian removed the fraud alert from my credit profile. This is false. Experian intentionally and willfully refused to remove the fraud alert from my credit profile. 

Instead, Experian changed the original date of the fraud alert from XX/XX/XXXX and falsified the reporting claiming that I requested the fraud alert on XX/XX/XXXX. I did not. They put a 1 year fraud alert without my permission. 

I am demanding the fraud alert be removed completely and immediately. I do not give permission for a fraud alert to be on my credit profile.
Product: Credit card or prepaid card

I was reviewing my credit report and I got a new inquiry on XX/XX/2021 from Jpmcb XXXX that I searched up and said it was Chase. I never applied for a card from the bank.