23daVinci/CFPB_Complaints huggingface dataset:
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 under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$1300.00} 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 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: Debt collection

Subject : Dispute Regarding Alleged Unverifiable Debt and Violation of Permissible Purpose for Consumer Credit Report - Complaint Against transUnion I am writing to file a formal complaint against transUnion, regarding the furnishing of an alleged unverifiable debt reported by XXXX XXXX XXXXn my consumer credit report. Additionally, I am deeply concerned about a potential violation of my rights under the permissible purpose provision of the Fair Credit Reporting Act ( FCRA ) in relation to this matter. 

Despite multiple attempts to verify the accuracy and legitimacy of the debt in question with XXXXXXXX XXXXXXXX, I have been unable to obtain any verifiable information or documentation supporting its validity. It appears that transUnion has included this derogatory entry on my credit report without conducting a thorough investigation into its accuracy or verifying the information provided by XXXX XXXX. 

Furthermore, I believe that transUnion may have violated my rights under the FCRA by furnishing this alleged unverifiable debt without a valid permissible purpose. I have not authorized any entity or individual to access my credit information for the purpose of reporting unverifiable debts, and I strongly believe that such actions constitute a violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to ensure that complies with the FCRA and rectifies any violations of consumer rights. Additionally, I request copies of any documentation related to this investigation and any actions taken by the Consumer Financial Protection Bureau in response to this complaint.
Product: Credit reporting or other personal consumer reports

Good morning : Approx. In XX/XX/2023, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. XXXX states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from you from the United States Bankruptcy Court stating that they DO NOT report any information to ANY consumer reporting agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies Equifax and XXXX because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, XXXX is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies and other companies that XXXX give my private information to delete the information in this complaint immediately from all reports. 

Thank you. 

XXXX XXXX Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

Ive been trying to get this unknown collections debt that all of a sudden appeared on my credit report on XX/XX/XXXX. I called the collection agency and they couldnt give me the date of this original debt, address of the debt, date of last payment, how old was this account, or was this debt statute barred or prescribed? They claimed to have purchased the debt in XXXX. I informed them that I never had a XXXX account but they insisted on me taking ownership of that account. I tried for more than three months to have this issue resolved with XXXX, XXXX, and XXXX to no avail. Its my understanding that the Fair Credit Reporting Act ( FCRA ) 15 US.C. of 1681 ef seq., promotes accuracy, forgiveness, and privacy of personal information assembled by Credit Reporting Agencies ( CRA ). The FCRA also allows for statutory damages for willful negligence, noncompliance of the law by Credit Reporting Agencies. I asked the Credit Reporting Agencies ( CRA ) to remove all erroneous negative from my credit report ( Section 609 ) but have been unable to do that for months. They have refused to remove the negative information. I would greatly appreciate your help in this matter.
Product: Mortgage

I took a heloc out in XXXX. Since the inception, none of my on time payments have been applied to my account. The money leaves my bank account, I receive a confirmation of payment from Sellpoint, however, the funds are. It applied to my loan. The loan amount has also glutted from XXXX on the statements. The heloc is for XXXX. Also, the rate is supposed to be fixed for now but they are charging me about 40 % at this point. 
I have called multiple times, sent them my bank statements. I keep being promised a review and a call back, but each time I call the ticket is mysteriously closed and no one ever follows up with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of 2022. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX  XXXX XXXX is reporting this account as " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed before I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX XXXXXXXX XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX XXXX XXXX representative sales XXXX stated my account was at a XXXX balance and my account was closed, in XXXX of XXXX of 2015, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the XXXX forces. I have disputed this account numerous times within the past 5 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Kohl 's charged my bank account for {$1000.00} that I did not authorize. I found this in XXXX of XXXX and disputed this with XXXX XXXX XXXX XXXX. They returned this amount of money to me. I have attached bank statements to this proving this point. I would have never authorized this amount to be taken from my account by Kohls because the maximum credit limit for this card is {$500.00}. I have also included a statement proving this. When XXXX XXXX returned this amount of money to me they also placed Kohls on a do not pay list. Which I was not aware of. In the summer of XXXX I paid Kohls for a small amount ( less than {$100.00} ) over their phone automated system. They have record that I did this. However, the payment was rejected by XXXX the following day because of the do not pay list. I was not made aware that this happened. Only when I got a credit alert from XXXX  did I realize that Kohls charged me a 30 day late on my credit report. I have attempted to speak with Kohls to explain the domino effect that resulted in this 30 day late, but they will not allow me to speak with anyone in the credit department, and state that is their policy. I feel this 30 day late was not my fault but the fault of Kohls and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX HXXXX XXXX Date Updated XXXX XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX HXXXX XXXX XXXX
Product: Debt collection

Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Account Number : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Checking or savings account

This is now the second complaint. From a response to my initial one. I opened an account with a {$200.00} bonus, I met the requirements. In fact I called in and verified with Wells Fargo that the requirements were met. My payroll is paid by XXXX XXXX XXXX, so not only does it meet the requirements but its irrelevant as WF customer service has already said multiple times 5+ that I met the requirements and was just waiting for the payout.
Product: Credit reporting

EXPERIAN fails to remove inaccurate revolving account information. EXPERIAN reports incorrectly that credit usage is XXXX % .. EXPERIAN reports incorrectly that Total Credit is {$2300.00} and Credit Debt is {$27000.00} EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I hired a XXXX lawyer to help me Solve a XXXX  matter and he charged me a fee that was place in a XXXX institute as a loan. 
However, The Lawyer didnt serve my best interests and he was terminated on XX/XX/XXXX due to his lack of legal representation in my case and I myself had to resolve this matter with the XXXX without his legal expertise. 

As of today XX/XX/XXXX this bill was not adjusted or terminated with the termination of service from the attorney at this time Im not requesting a refund for money I had paid already but Im requesting that this Loan to annul and terminate with termination of attorney XXXX XXXX services do to improper legal representation under XXXX 's Unfair Trade Practices and Consumer Protection Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus ( XXXX, XXXX, Equifax ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Equifax - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. My social security number is XXXX XXXX year of birth address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX .my complaint is that XXXX XXXX refused to removed all the hard credit inquiries off my credit report I have a total of 25. I already sent them a federal trade commissions report of identity fraud and they add a fraud alert but never removed the inquiries that affect my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

My account was first frozen with no explanation after trying to transfer money to my own bank account. They requested identification i sent it to them. After it was unfrozen and the money was still not sent, i reached back out to find out when the money would be available they deactivated my account and stopped responding to emails. Im yet to receive my money from VENMO, and they refuse to speak to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report that was not reported accurately. the consumer reporting agencies need to report all info with complete accuracy. According to the IRS when an account is charged off, it becomes income. I requested proof but haven't received anything. It has a balance of XXXX and shows closed and the dispute says deleted but still shows on my report. I'm requesting that this account be updated and deleted from my report because of its inaccuracy. if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and remove this. It is showing as closed but its also showing as an inquiry and will fall off in XXXX XXXXThis also shows the last status update was in XX/XX/XXXX but XXXX is showing that is charged off as of XX/XX/XXXX. This account should be deleted for the inaccuracy that is reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Experian multiply times to remove all Potentially negative from my credit history which is now impacting my credit score. i told them its not helping me and that its Illegal to have that on there even when paid in full. here are all the credit companies i told them to get off my credit history. 
XXXX XXXX opened XX/XX/XXXX paid in full XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX paid in full XXXX XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX paid in full XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX paid in full XXXX, XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX, XXXX opened XX/XX/XXXX paid in full XX/XX/XXXX.
Product: Credit card

I have an account with Synchrony Bank for a XXXX XXXX card. I have had this card for several years now and it's incredibly difficult to pay bills on time as the website is ( without fail ) down at the beginning of every month, and at various points throughout the following weeks. I have tried on different days, at different times of the day, hundreds of times. The ONLY way I could pay my bill was to call and wait on hold. That's fine, I have the time and the flexibility to do that, but not everyone does. 
If online payment is given as an option, I believe that option should be available consistently. 

I believe this is a ploy by Synchrony to disallow on time payments, thereby increasing interest and fees. It's gross.
Product: Debt collection

I was contacted in XXXX in regards to a debt that was owed. The collector contacted me through calling my employer. Due to being frightened, I agreed to a payment plan. I never received a written debt validation letter 5 days after our initial communication. In XXXX I had asked if I could dispute the debt, she told me that because I had already agreed to a payment plan, I no longer had the right to dispute. I was NEVER informed that I could dispute the debt. I never received written debt validation. She then contacted me 3 times in one day and even went as far as calling my place of employment and leaving a message with the front desk. This company has violated my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft. Immediate removal of these fraudulent items from my credit report. An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.