23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My mother is in a XXXX for years. Put my name on a discover card in the early XXXX. This was incase I had an emergency due to being a single parent. Someone used the discover card. I had no idea that it was still active. Never got any bills etc. A person has been using it ran it up to XXXX of dollars. I have a fraud alert with my bank this is how I found out. Contacted Discover they sent me the old contract from the XXXX and said I should have closed the account. I did realize it was n't and did n't know someone was using it. It killed my credit by XXXX points. Another family member was using the card and I did n't know it. Signing my mothers name. Again she XXXX and has for years she XXXX. What do I do?
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE.
Product: Money transfer, virtual currency, or money service

On two different occasions I answered and add for adoption of a puppy from tow different people. Both of them asked me to send money by XXXX from my bank Capital One. The dates were as follows : XX/XX/ int he amounts of {$50.00}, {$50.00}, {$50.00}, {$100.00}, {$100.00}, {$50.00} and {$70.00}. Then on XX/XX/ in the amounts of {$250.00} and {$150.00}. I have asked for a refund of these amounts and got the answer baqck that the transactions went through according to policy and can not be refunded.
Product: Credit card

Kindly refer to the enclosed documents for further clarification for what is now a second complaint against Cash app. These documents present evidence that the unauthorized transactions executed on XX/XX/XXXX, were not my responsibility or authorized by me while I was out of state.

The first document attached is a copy of one of four disputed transaction claims. The first, of four unauthorized transactions, was processed on XX/XX/XXXX. I reported the unauthorized transaction to Cash App through chat and submitted a dispute via the Cash App mobile application. I provided identity verification using a government-issued ID and photo verification through their mobile application. Cash App verified my identity. Shortly thereafter, the XXXX transaction that occurred on XX/XX/XXXX, which had initially been denied like the other claims, was returned in my favor as it was proven to be unauthorized. 

As stated before, all 4 transactions occurred on the same day and were filed simultaneously with the dispute resolution department within Cash App. Subsequently, the three unauthorized transactions that took place, after the initial XXXX transaction, have repeatedly been denied by Cash app asserting that they were fraudulent or false. They state Our manual review of your dispute and account information has confirmed that the dispute was fraudulent or false. Consequently, we have determined that the disputed transaction amount was authorized and that there was no error which is inaccurate. 

Cash Apps statement that the disputed transaction amount was authorized and there was no error contradicts my evidence, which includes the refund from XXXX. The refund And documentation given to cash asap shows that I did not authorize that transaction on XXXX XXXX XXXX That was the initial transaction made by another individual that day. Furthermore, this suggests that Cash App is selectively denying transactions based on its own interpretation of the circumstances rather than actually reviewing or examining the documents or information provided. 

Cash Apps inconsistent handling of my account, particularly the denial of three transactions while one was approved, raises concerns. It is troubling that Cash App made false accusations against me and is punishing me for the consequences of something that was not of my own doing. Cash Apps denial of the other transactions is unacceptable.

Cash Apps unfounded accusations against me are highly unprofessional, unacceptable, and constitute defamation. I demand a prompt resolution to this matter. I have requested a refund for the remaining three unauthorized and disputed transactions that were denied by Cash App. The verification of my identity with XXXX along with my flight invitation and reporting of my card stolen, served as sufficient evidence, demonstrating that I did not make the purchases in question on XX/XX/XXXX, while I was in a different state. 

Despite submitting all necessary documentation and adhering to Cash Apps protocol for resolving disputes, my account was closed. Subsequently, I have re-submitted the disputed claims for the three unauthorized and unrefunded transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 15 unauthorized inquiries on my XXXX credit report that I would like removed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This said account isnt mine. 
I have no knowledge of this account. My identity was stolen in 2015 and Ive been having fraudulent activity happen ever since. 


So I hired an attorney to help in this process of removal.
Product: Checking or savings account

I have a business account with Wells Fargo and I submitted a stop payment on ACH payments that are being withdrawn daily from my account. I have contacted Wells Fargo on two occasions and even paid {$31.00}. I contacted Wells Fargo on XX/XX/XXXX for the stop payment order and was charged {$31.00}. On the following day the payment came out of my account. I called Wells Fargo again on XX/XX/XXXX and created another case. Everyday after that the company continued to withdraw funds. Yesterday I went to wells Fargo and changed to a new bank account number. Somehow that company obtained the new bank account number and withdrew funds from the new account. I called Wells Fargo again today and theres no explanation on how that company is still able to withdraw funds with a stop payment and with me changing the bank account number
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX 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 hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXs failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXXs failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Ally Auto will not give me credit for a {$200.00} payment I made XX/XX/2019 for my XXXX  XXXX XXXX ( lease ). Their stance is, the request for payment got returned due to insufficient funds. That statement is a true statement ; however, on the same day, XX/XX/2019, my credit union, XXXX  XXXX XXXX XXXX paid them {$200.00} out my account for a scheduled online payment. This was the first of two transactions Ally Auto made on my account that day. My credit union has validated that there were two transactions made by Ally Auto on XX/XX/2019. One was successful, and one was not. I did not schedule for another transaction. That is why the second transaction did not go through. I have attached my bank statements that will reflect the two transactions. Again, one was a pay-out of {$200.00} and the other request was returned due to insufficient funds, which I was charged a {$31.00} overdraft fee.
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

- XXXX XXXX {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 TransUnion the company XXXX XXXX XXXX XXXX issued a hard inquiry on my credit that I did not approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am XXXX XXXX the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following accounts are not accurate : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX I have inquires on my credit that are not authorized and I have filed a police report for the follow inquires 1. XXXX 2.XXXX 3. XXXX XXXX 4.XXXX XXXX XXXX 5. XXXX  / XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX I WILL BE SUBMITTING A COMPLIANT TO FTC as well. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint a few month ago regarding my identity thief situation with Experian. The XXXX account that was charge off is fraudulent and need to be remove off my credit report immediately. I am not sure why it has pop back up on my account but it needs to be remove because it can not be verified and it already has been proven to be fraud. I found out that its still on because i tried to refinance my car and take advantage of the better rate due to Covid and i can not get accepted due to this fraudulent account. XXXX  already has removed the account and updated my profile this has been a big hassle and i wish it to be resolve as soon as possible. Looking at my credit history you can tell that these fraud account does not reflect the 7-8 years of good credit history and large number of account. I will include a copy that i have summited before regarding the identity thief with experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection below has already been cleared/paid for and needs to be removed from my credit report as soon as possible. Please see the clearance and payment receipt in the attachments. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) These inquiries are fraudulent and do not belong to me : XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

I OBTAINED ACOPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Credit reporting or other personal consumer reports

Request for Deletion of Inaccurate Information I am writing to formally request the deletion of inaccurate information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, you are required to ensure the maximum accuracy of the information you report and to investigate disputes promptly. 

I have identified the following information as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX I sent to you a copy of my drivers license with my address for years. Its where i receive legal mail. etc The other bureaus have accurate info. please delete. 

The information reported is incorrect, and despite my previous attempts to resolve this matter, the inaccuracies persist. These inaccuracies have caused significant disruption in my life and household, affecting my financial stability and well-being. 

In accordance with 1681e ( b ), which mandates that you use reasonable procedures to ensure MAXIMUM ACCURACY, and 1681i, which requires you to delete or correct information found to be inaccurate, I request that you immediately delete this account from my credit report. 

Please provide written confirmation once this account has been removed. Additionally, kindly update my credit report and inform me of any changes made. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX your employee in XXXX XXXX Michigan bank location the same location where is the city and XXXX both associated with where XXXX XXXX XXXX XXXX lives a XXXX employee that stole my XXXX card for over 20 years and possibly getting my social security checks but has a different DOB and Social security administration I strongly urge you to search for the XXXX by my SSN number alone because halsted told me XXXX is at your bank of mine under my SSN number. This sounds like a bank scam through identity theft. Also, a XXXX XXXX fake SSN number XXXX at XXXX XXXX XXXX XXXX MI stolen my identity theft XXXX is there and possibly over 20 years of missing SSI.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I previously disputed this account. Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me. 

I submitted a complaint to the CFPB : Please refer to CFpb complaint number- XXXX
Product: Debt collection

I had a call from a Arkansas number that was a spoofed number. When I answered the lady asked to speak to me. I said yes. The next question was what was last four of my social. I told her was not giving that. She then told me my whole social and address. She has no right giving my social over the phone. She then got irate and started screaming that she was going to have her company sue me. Five minutes later I received an email from Structured Settlement in XXXX NV saying they were going to sue me. The letter is trying to collect triple the amount of debt.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I just want my credit report updated and accurate. i have bills that has been paid through Chapter XXXX bankruptcy XXXX XXXX XXXX Case XXXX.