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

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES 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 as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help me
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Attempt to collect on an account that was charged off. They called and mailed notices about this but no further information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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 written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time CFPB closes the file without any further investigation with the same practices as Equifax taking the word of a creditor over a consumer, XXXX goes into my consumer file making adverse changes. I do not owe XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These 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 # ( private case number ) as proof from the XXXX 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

I am the victim of identity theft, wherein my personal identifying information was used fraudulently without my authorization or consent. This incident occurred on or around and was discovered by me on XXXX of XXXX. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that it be deleted from my credit file immediately. Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$15000.00} Company or Organization XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$730.00} Company or Organization : XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$230.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1200.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$230.00} Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase with XXXX for my XXXX XXXX XXXX. The option I selected was for a instant credit line increase which specifically stated " this will not cause an inquiry on your credit report. '' No sooner than five minutes later did I get a notification of a hard inquiry on my Equifax report. I called to dispute this and they said they could do nothing about it and apologized. Unbelievable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a fraudulent XXXX credit card was opened in my name. As soon as I saw the hard inquiry on my credit report, I called XXXX, and all of the credit bureaus. I filed a dispute. It was found to be fraud. XXXX said they sent all of the information to the credit bureaus. XXXX then removed the fraudulent hard inquiry from my credit report. As of today, XX/XX/XXXX, Trans Union still had not removed the inquiry from my credit report, claiming they never received the documentation from XXXX. I called XXXX and they confirmed they sent the information months ago. I want Trans Union to take the fraudulent inquiry off of my credit report. When I spoke to Trans Union today, they were not helpful, they told me they never received anything from XXXX and therefore cant take anything off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and Transunion are dropping my credit score for no apparent reason that can affect an auto purchase at 0 % financing if I choose to buy a new car. They need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The hard inquiries are preventing me from establishing my credit I did not give them permission to run my credit
Product: Credit card

I have contacted USAA several times about changing the payment due date on my credit card. Every time I call, the representative says that USAA has not yet authorized " the system '' to allow for payment due date change requests. I have always paid on time and have a good credit score above XXXX. I am working for a company that pays me on the XXXX and the XXXX instead of the XXXX and the XXXX. I need to be able to pay my credit card bill with my paycheck on the XXXX but my credit card due date is the XXXX of each month which if I do n't pay by the XXXX, I will incur late fees. USAA does n't ever explain why they wo n't allow a change to the payment due date, I am just told by the rep that " management has not yet authorized it ( payment due date changes ) ''.
Product: Credit reporting

I have a few hard hits on my credit I did not authorize. My Father and I have the same name and same address so sometimes are information gets mixed up. I am not saying that 's the case here but few of these inquires are not mine nor did I authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts open fraud. contacted companies and credit reporting agencies and to no prevail. sent letters and proving my correct identity. filed police reports
Product: Mortgage

Housing financial educator did nothing to help but I paid them {$1700.00} and navy Federal knows they did nothing but won't help me get my money back because they are a third party. OK why do they allow you to get a third party to help if they will not acknowledge that you got the third party and what they did or didn't do. I can't get my money back because they are saying they got were the ones that got me put on this program when navy fed tells me they did nothing they haven't even talked to them. They said I have to get an XXXX for them to talk. OK why should I have to go through so much just to get my money back when navy fed knows they didn't work with them and all the have to do is say that. Again they said getting them was OK I even had to sign paperwork saying that I was working with them and it was on for them to share my info and now they can't say they what happened that makes no since at all. The money came out oXXXX XXXX XXXX and they won't help because I waited to long over six months to ask for my money. OK these were monthly payments and it was over six months that I saw they were doing nothing and XXXX never told me I has six months to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please REMOVE the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$620.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$450.00} ), XXXX  XXXX XXXX ( Account number XXXX, Date Opened XXXX. XXXX, XXXX, Balance {$670.00} ), XXXX XXXX/XXXX  ( Account number XXXX, Date Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX  ( Account number XXXX, Date Opened XXXX XXXX, XXXX, Original amount {$520.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX  account number ending in XXXX, has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I had an account that was scheduled to be charged off that I had never received a notice for neither by mail, email, phone, or text alert for {$99.00}. PNC cleared my checking account in the amount of {$62.00} to cover part of the debt that was owed leaving a {$36.00} balance left to be paid. I informed PNC that I will have a direct deposit coming in on XX/XX/19 that can cover the remaining balance. The representative informed me that they will hold off on closing the account so the debt can be settled. PNC closed the account on XX/XX/19. When I noticed the account disappeared from my mobile banking app, I called PNC again on XX/XX/19 to make them away that the funds will be coming to the account the next morning, the representative I spoke with said to call on Friday XX/XX/2019 and they can transfer the funds to my active account. I called someone this morning XX/XX/2019 and they spoke to me and said the funds have posted and call back at XXXX to have them transferred. When I called back at XXXX, I was informed that they could not move my money until Monday afternoon because they haven't posted the funds. I am ENRAGED being that I have to pay rent and take care of a child and I'm set back {$620.00}.
Product: Student loan

I have been in contact with Navient for months to get a better payment I can afford. Then send me a list of options, I choose XXXX and started paying. Seems simple to me. But yet they do n't change it in their system, so my payments are n't enough to cover the amount dues, then they tack on fees and etc. To me this is bordering on fraud.
Product: Credit card or prepaid card

Received two cards in the mail. Both Visa cards Chime and XXXX. Both cards are in my maiden name that I do not go by. I have never used either of their services. I am unable to contact either companies. I just get recordings when I call. I am very worried I will receive more cards in the mail. I put a freeze through XXXX and am not sure if I should contact the other two credit bureaus. I am not sure what else I can do. 

Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.

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

I send out an email to experian, XXXX & XXXX regarding my credit score is wrong in other words my score should be XXXX and not XXXX cause I made on time payments and i have a long history on time payments which helps me boost my score so I ask them in the email that why my score has drop from XXXX to XXXX all the sudden without a reasonable explanation and their answer was none
Product: Credit card or prepaid card

I have filed a report about my both of my credit cards id theft. Someone stole my identifications and illegally made these accounts. The report is attached.