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

TransUnion is reporting MULTIPLE hard inquiries on my credit report. XX/XX/2018, i sent a letter to the credit bureau asking them to promptly remove these inquires because they are unauthorized, i have gotten no response. I stated that i contacted and sent letters out to the companies who are reporting this fraudulent activity on my report and no response from them as well & still no help from TransUnion. Here are the 25+ Fraudulent inquires that are reporting on my report that i DEMAND removal of : 1. XXXX ( TWICE ) 2. XXXX XXXX 3. XXXX  XXXX 4. XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX 8. XXXX XXXX XXXX 9.XXXX  XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX  XXXX 13. XXXX XXXX XXXX 14. XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX
Product: Debt collection

Received letter from XXXX XXXX XXXX saying I owe {$180.00} to banana republic ( Synchrony Bank ) said the account was opened in XXXX of 2019 this is the first time Ive heard about it. I never opened a banana republic account
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : 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

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 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: Debt collection

I actually never once received a bill from either the medical company or the debt collector. I only found the bill myself when I was purchasing a home and it was on my credit report. I called about XXXX numbers before I found XXXX working service. I paid the bill because I dont want it on my credit, but I never received a bill or phone call from either company. I had moved during the time of service XX/XX/XXXX until now XX/XX/XXXX but had my mail forwarded each time. I would have received communication had they called or sent the bill. This hospital had several bill for me during this time and never sent a bill to me for any of them. I now have to have this on my credit because the debtors wont take it off even though I never recieved anything for it and tracked it down myself and paid it!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Checking or savings account

I am Capital One credit card customer, and saw webside 360 Money Market promotion using promo code EARN500 to earn a {$500.00} bonus for balances of {$50000.00} or more, or a {$200.00} bonus for balances between {$10000.00} - {$49000.00}. XX/XX/XXXX I online open a A/C # XXXX and received confirm Email shown And dont forgetsince you opened your account with promo code EARN500, you have the opportunity to earn a cash bonus. ( see attached file XXXX ) After 90 days I didnt see bonus pay, XX/XX/XXXX I call Capital One and the representative Mr. XXXX said about XX/XX/XXXX shall process bonus request ; XX/XX/XXXX I still didnt see bonus pay, I call again and talk with the representative XXXX, then manager XXXX ( XXXX ) that they said I had a Money Market A/C in XX/XX/XXXX, and Closed XXXX ( too long, I no record ), so not qualify get bonus. I told them if not qualify {$200.00} bonus, why you accept my application and XX/XX/XXXX transferred {$10000.00} from my bank account ; and or you must prompt notice me can't get bonus qualify reason. I ask them still pay {$200.00} bonus. 
Thanks, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX -XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved 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
Product: Debt collection

I received a collection letter in the amount of {$200.00} from Prince Parker & Associates Inc. 
for XXXX XXXX XXXX from a business I owned, XXXX XXXX. 

a ) I never had an XXXX XXXX XXXX account for XXXX b/c there would be no use for it. 
b ) I currently have an open, active XXXX account so if any error for this service was ever made, XXXX would have billed me directly. 
c ) XXXX XXXX has been closed for over 2 years.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

U.S. Bank run a {$500.00} welcome bonus for opening new checking account by XXXX XX/XX/XXXX and have qualified direct deposit of {$6000.00} during the first 60 days. Here is the detail of the promotion https : XXXX But after I fulfilled my requirements on direct deposit, I have not seen my bonus to be credited. When I contacted CS through Live agent chat, the XXXX agent refuse to credit my bonus. I was told that even though I met all requirements of apply promo code and direct deposit amount, their system showed that the account was opened on XXXX XX/XX/XXXX. This is not verified as I completed all the step to open my account and received U.S. Bank 's notification email mentioning that the checking account number was ready and deposit transaction was successful all on XXXX XX/XX/XXXX. These emails was attached with this complaint. 
I was not convinced by what they said, because I got the email from U.S.Bank about successful account opening on XXXX XX/XX/XXXX not on XXXX XX/XX/XXXX. If the code was expired, it should have notified me right on when I applied it. But everything went through as they still it the promo code attaching to my profile currently. The date of XXXX XX/XX/XXXX they are seeing on the system could be the date of first deposit showing up, but it should not be the account opening date.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had disputed charge with my bank Citi. They sent me the following : Thank you for contacting Citi ( R ) Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2017 {$5000.00} XXXX XXXX XXXX XXXXXXXX WA Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter. We previously issued a conditional credit to your account for the amount in question pending the outcome of our investigation. Now that the investigation is complete, we have rebilled your account for this charge along with any related fees and interest charges. All adjustments will appear on your statement within 2 billing periods.
Product: Credit reporting or other personal consumer reports

Since this is my XXXX  request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello on XX/XX/24 I posted on XXXX XXXX in search of event tickets. I reached out to someone selling tickets asking for confirmation of tickets and pricing. The woman, XXXX XXXX, provided screenshots of her XXXX XXXX tickets and the pricing. I said that I would send half the amount for 1 ticket to confirm receipt, before sending the balance for ticket # 2. She provided her email for the app XXXX XXXX but I only use XXXX. So she provided her husbands email XXXX for XXXX payment. I sent the amount of {$200.00} to XXXX XXXX via XXXX and the seller XXXX confirmed she received and that she would send the 1/2 tickets. I never received an email and when I tried to message back, the account was removed and I could no longer contact this person. I contacted my bank Chase and they said they couldnt help because I sent the money myself. Which I understand but this was a fake person impersonating someone on XXXX that doesnt exist, and I was scammed out of my money.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 

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

There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of specific unauthorized accounts and inquiries on my credit report due to a recent data breach that exposed my personal information. Under 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit report : Unauthorized 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. PENTAGON FCU with ACCT #  XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Checking or savings account

XX/XX/year>, I noticed that my checking account had 16 unauthorized reversals done on my account. I contacted Chase and they said that someone called in and said that they were me and that they requested these reversals on previous accounts I had paid. One of those accounts being my mortgage company. there were three months worth of reversals done on my mortgage and now I am facing foreclosure due to the mortgage company not having my payments. I asked Chase to put a stop to these pending reversal transactions and I was told that they could not stop it. Because of their actions, Im in the process of losing my house. 

Chase claims that I authorized these transactions and provided private information to another individual. Chase is aware that I, personally m, did not make the reversal requests that were done on my account. 

In order to make things right, chase would need to refund the money that was not authorized by me to the merchants that had been paid already. Chase did not see that 16 reversals in three days was a red flag and went ahead with the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.
Product: Mortgage

My husband and I have a 2nd home condo mortgage with Ditech. 
the mortgage was an ARM mortgage that changed in XXXX XXXX and became 6.625 % fixed mortgage. 
We were solicited by Ditech to refinance. 
My husband started discussing this with an agent in XXXX XXXX. 
Ditech stopped my paper statements in XXXX XXXX. 
I had the mortgage payment automatically set up with my bank and continued to pay my monthly payment on time to Ditech. 
I realized that my payment had changed and that I was not getting paper statements in XXXX XXXX. 
During this time we found out that Ditech stopped applying my payment and instead listed it as " funds in suspense '' Ditech reported our mortgage as being late to the credit monitor companies. 
On top of this, Ditech said our mortgage was an extra XXXX a mth, and that we were behind XXXX and they charged us a late payment. 

To this date my husband and I have ; 1 ) We stopped the refinance request because it looks like Ditech wanted to put us in a short sale and to do this they had to show we could n't make our mthly payment. 
2 ) Requested to have paper statements sent to us again so we could see how they were applying our money to the mortgage 3 ) We have paid the extra XXXX for 2 of the 4 mths we are behind. the next two will be paid this mouth.
4 ) We paid a late fee of XXXX XXXX ) We paid an escrow shortage of XXXX we were billed for during this time. 
6 ) We asked Ditech to take away the report to the credit monitoring companies that show we were late on our mortgage and they would n't do this for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived in XXXX XXXX XXXX XXXX, GA XXXX someone was using my information to attain credit I didn't authorize NOBODY to do so and All the credit bureaus are not cooperating to help me delete off credit i contacted them several times and I also dispute these account nobody cares and no one what's to do anything I send in my police report they still didn't do anything
Product: Credit reporting or other personal consumer reports

I have just obtained a copy of my credit report and noticed the following errors. 1 ) XXXX  XXXX XXXX XXXX ACCT # XXXX This account states I have 10 missed payments, and that it was closed on XX/XX/year>, this is in fact inaccurate! I am entitled to an accurate credit report. I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of disputeit has been 6 months! 

2 ) XXXX XXXX XXXX XXXX XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom t may concern, XXXX XXXX XXXX  Account # XXXX, has not yet deleted this account from my credit report as promised. Please see attachment. 

Please investigate and delete. Thanks in advance! 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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.

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 card or prepaid card

On XX/XX/2023 I received a letter from Chase Freedom Visa Platinum that they were unable to approve this account. I never applied for this credit card. The letter is dated XX/XX/2023. The application apparently had my previous married name with a middle initial, which I do not have a middle initial. My street address was correct, but the city was the township I live in. Apparently the person that filled out the application has their last four digits on the application as XXXX. This also is not my social security number. I called Chase bank and explained that this must be identity theft as I did not apply for a credit card. They referred me to the Fraud Department where I made a report and they sent me a " kit '' that I must follow in order for them to send me a copy of the application details. You are my first of many items I must complete in order to try to resolve this problem. Just a note : this happened to me last year with XXXX XXXX XXXX and the same last four social security numbers ( XXXX ) were used. I did not get the application information from XXXX as I had put a Fraud Alert on my credit and bank accounts.
Product: Debt collection

I did n't recollect owing XXXX these bill that XXXX and BUSINESS ASSURANCE RECOVERY which are the same company anyway according to my research but try to scare tactic people by modding the water and act as XXXX different entity to XXXX people up.