23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Sunday, a withdrawal came through my account, automatically. When the law changed during the Obama administration, the bank asked me whether I want my overdrafts covered or not. I said not. I've incurred a XXXX fee and a XXXX payment to a company I ended business with several months ago. Both should had been refused. I want my XXXX returned to my account. Overdrafts are NOT to be paid under any circumstances. 


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

I reached out to Experian XXXX  times to rectify the issue and they refuse to remove inaccurate information from my consumer report. They have names, addresses, employers, and a spouse/co-applicant listed that I am not associated with. 

These names need to be removed : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX is my middle initial and the only middle initial I have. 

The addresses listed needs to be removed : 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 My only current address is XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Spouse/co-applicant needs to be removed : XXXX. I am not married to nor have I done an application with anyone named XXXX. 

The employers listed need to be removed : XXXX, XXXX, XXXX, and XXXX CUSTOMER MANAGEMENT. 

This information is not accurate and needs to be removed. Inaccurate information reported on my consumer report is damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax won't allow disputes and my report shows blank all the time when pulled. Please see attached screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't 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 719XXXX 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 .This 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax submitted an errored report to a mortgage lender. The submitted report does not reflect the correct credit score and noted several account delinquencies that are not reflected on the credit report. When Equifax was contacted, they advised that these items are not reflected on the credit report. Therefore, they do not have anything to dispute. I, the consumer, was only made aware of this inaccurate reporting of the credit score ( possibly resulting in XXXX points lower than the actual score ) and derogatory remarks by the lender sending a document that summarizes what was reported to them. Equifax 's error in reporting the correct credit score resulted in an inferior loan rating and product offering.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 

Please delete these unnecessary items : XXXX, XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00}
Product: Debt collection

We got a voicemail from " Capital Management Services '' phone number XXXX at XXXX this morning XXXX/XXXX/15 asking us to call XXXX. The woman leaving the message said " this is a debt collector. '' Which, I understand, is a violation of FTC debt collection laws. In addition, we have no outstanding debt that would have gone to a debt collector! I would like this scammer stopped.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX, and i am XXXX years of age i have been a victim of identity theft for over 15 years, i have the proper and supporting documents supporting my claim on identity theft with fraudulent accounts opened in my name fraudulently. i have enclosed the etc report along with the police report with the name and account numbers of these fraudulent accounts.
Product: Checking or savings account

Someone stole my bag, with my debit card, phone and identification. I don't normally use chime, and didn't know the XXXX XXXX deposited {$9200.00} on XX/XX/XXXX of 2022. 

However I believe I was targeted by a gang of XXXX XXXX  who live and operate out of XXXX XXXX XXXX, which is the XXXX XXXX XXXX in XXXX, MA. 

over the period of a few days they managed to steal all of my money, 114 transactions at XXXX. Ordering foodThe b, and other items. 

I filed a police report with XXXX XXXX, and detective XXXX was unable to recover any video camera footage. 

The bank Chime is trying to claim no error occured and that my funds where authorized. 

I went to the XXXX XXXX store someone made a purchase at and they claimed to have a copy of the receipt the perpetrator signed. Forensic analysis would show the signature is not mine. 

The bank is refusing to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dispute Department Credit Bureau Name : EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : Account Name : XXXX XXXXXXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$4100.00} Account Number:XXXX  XXXX Fraudulent Accounts : Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$1900.00} Account Number : XXXX XXXX Fraudulent Accounts : Account Name : XXXX XXXX XXXX Service When Account Was Open : XX/XX/XXXX Amount : {$370.00} Account Number:XXXX XXXX Fraudulent Accounts : Account Name : XXXX When Account Was Open : XX/XX/XXXX Amount : {$800.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX When Account Was Open : XX/XX/XXXX Amount : {$390.00} Account Number:XXXX Fraudulent Accounts : Account Name : XXXX When Account Was Open : XX/XX/XXXX Amount : {$680.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX When Account Was Open : XX/XX/XXXX Amount : {$430.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX When Account Was Open : XX/XX/XXXX Amount : {$680.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$21000.00} Account Number : XXXX Personal Statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - This is paid as agreed and should not be reporting negatively on my report. As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - please update late payment all payment was made on time Please remove it from my credit report XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative 1 of 2 account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX I have 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Product: Debt collection

This company is falsely saying I owe money. This cant be true. I have not received any letter in the mail for this matter. They are sending this message on behalf of the county court. This is absolutely ridiculous
Product: Credit reporting, credit repair services, 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 Balance : {$3600.00}.
Product: Credit reporting or other personal consumer reports

On the XXXX XXXXCharge off account that's on my credit report, I called and let them know the statute of limitations were up for this account. They disagreed and told me that it wasn't. The account was opened XX/XX/year>.
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 XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  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

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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of account including XXXX XXXX, opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. These items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Mortgage

I have been trying to communicate with Fay Servicing for the past 6 months with no successful outcome. In XXXX of 2016 my loan was transferred to Fay Servicing while my loan was already in default. A lender/servicer can not collect on a debt that is transferred during the default process. Additionally, Fay Servicing failed to provide me with a fair opportunity to reinstate or reconstruct my loan and provide no denial verbally nor in writing regarding their decision to not assist me, instead they told me my only option was to proceed with the letting the home sell at auction. I was in the process of getting the reinstatement amount out of my mutual fund but unfortunately the process can take 30-45 days to which I explained to Fay Servicing and they refused to allow the extension of time to allow me to do so. 
Additionally, the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. 
My violations as a homeowner have been severely violated at this point and Fay Servicing has failed to provide me with the opportunity to save my home.
Product: Debt collection

Today, XX/XX/2019 I received a debt collection notice from Universal Fidelity LP. They claim I owe money from a company named XXXX, which I had never heard from until today. When I tried to get information they just said called XXXX. When I called XXXX they said they couldnt tell me who placed the order, what was purchased, or where it was sent. Im very concerned that I have been fully sent to collections and have ruined my credit over an $ XXXX charge that is fraudulent. Im concerned that my social security number has been compromised.
Product: Debt collection

I underwent a surgical procedure in 2012 in XXXX, Florida. The entire charge was supposed to include all doctors and services. The bill was paid in advance in cash. Notwithstanding that payment, some doctor or other medical service provider charged for services already paid. I tried to resolve this matter for several years however, the hospital was sold and the new entity was either unable to, or refused to, provide all records and payment history. I do not and have never owed any sum to any medical provider. In addition, the statute of limitations has long passed on this purported debt. I have protested this fraudulent charge on several occasions and have received no response or records regarding this matter. Both the debt collector and the initial alleged creditor are engaged in a joint conspiracy to collect a debt not due and owing. I will next refer this matter to my congressman and senator together with the appropriate state authority governing hospitals and physicians in the State of Florida. This has damaged my credit for years and requires restitution.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion and XXXX for their refusal to remove inaccurate and unauthorized information from my consumer report despite multiple attempts to dispute these errors. These actions have caused significant harm to me, including the denial of credit, and I am seeking compensation under the Fair Credit Reporting Act ( FCRA ). 

The information in question is inaccurate and was never authorized by me. I have initiated disputes with both TransUnion and XXXX, yet despite my efforts, neither agency has provided me with the required debt verification letters or removed the erroneous information. According to the FCRA, specifically Section 1681i ( a ), I am entitled to dispute inaccurate information on my credit report, and the agencies are obligated to conduct a reasonable investigation and correct or remove any information that can not be verified as accurate. 

Despite providing all relevant documentation to both agencies, neither TransUnion nor XXXX has verified the debt or offered sufficient proof that the information they are reporting is accurate. Both agencies have failed to send the debt verification letters within the timeframes required by law. As stipulated under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if the information can not be verified within 30 days, it must be removed from my consumer report. 

Furthermore, these actions have had a severe negative impact on my financial well-being. I have been denied credit on multiple occasions due to the presence of this inaccurate information on my consumer reports. This has caused both financial distress and emotional harm, as I am being unfairly penalized for inaccuracies that I have disputed in good faith. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of TransUnion and XXXX, enforce the provisions of the FCRA, and ensure that these inaccuracies are corrected and removed from my reports. I also request that I be compensated for the damages I have incurred as a result of their failure to adhere to the requirements set forth by the FCRA Section 1681 ( n ) & 1681 ( o ) Please let me know if any additional information is needed for this complaint. 

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

My husband I both had vehicles from car-mart . They both broke down at the same time and at the time it was cheaper to fix my car so we did a voluntary repossession on my husbands truck. We took the truck back on XX/XX/XXXX. When they went to do the paperwork, they filed the paperwork for my car instead of my husbands truck. I told them the issue and they said they fixed it and it should not hit my credit. Two weeks later, my credit went down almost 100 point and is showing a repossession on my car. I called and they said that it was not their fault and they would not fix the error.