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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- - 1002.142 ( b ) ( 7 ). I kindly request that you blocked this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX and Debt Bondage and would like for all accounts listed to be blocked and deleted. 

Company Information ( TransUnion ) ( XXXX ) ( XXXX ) Please delete the following accounts XXXX XXXXXXXX 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  Dept of Education account XXXX : XXXX Dept of Education account 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
Product: Checking or savings account

As of XXXXXXXX XXXX on XX/XX/18, my checking account was negative {$78.00} due to three pending transactions. A cash deposit of {$80.00} was made before XXXX XXXX   to bring the account positive {$1.00}. At XXXXXXXX XXXX, the account was showing - {$140.00} because of a {$150.00} XXXX transaction that was pending. 

In every conversation had with previous representatives, the cut off time for deposits ( cash or otherwise ) was always stated as XXXX XXXX. When the {$150.00} XXXX transaction hit the account, a second deposit was not made because of the information given during every previous conversation with representatives. I did not think another deposit wouldve prevented a fee for this single transaction. 

Today my balance is showing - {$290.00}, including four {$35.00} overdraft fees. Not only was I charged a {$35.00} fee for the {$150.00} XXXX charge, I was charged a total of {$100.00} in fees for the three transactions that were  previously pending. 

I spoke to a representative today and explained that I made an {$80.00} deposit before the XXXX cut off time to avoid being charged three OD charges. I understood the {$35.00} fee for the {$150.00} XXXX charge. I was told I had until XXXX XXXX to make a cash deposit, which contradicts everything Ive been told during every other conversation with BofA reps. Ive also been told processing happens with the lesser dollar amounts paid first to allow for more transactions. In todays conversation, that suddenly reverses too with larger items paid first. 

I believe the processing order and the fee logic violate UDAAP resulting in disparate impact. I deposited {$80.00} by the cutoff time given by BofA numerous times. The {$80.00} was deposited to avoid three {$35.00} fees as guided by BofA reps. A second deposit was not made to cover the - {$140.00} because of the information supplied by BofA reps. Now I have large negative balance because the cutoff time and the processing order previously communicated by BofA reps was inconsistent with information given today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX : {$200.00} ; XXXX XXXX XXXX : {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and there is numerous fraudulent account in my name. I have tried disputing all of the fraudulent accounts with Equifax. I was on the phone with this company for over an hour. After verifying my identity and disputing the accounts that are fraudulent, I was transferred to another associate who claimed she could not verify me. I went through the entire dispute process with them in the end to be hung up on. I disputed the following ; You have 9 Closed Accounts Account Name XXXX XXXX XXXX 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 All of these are Fraudulent accounts and Equifax refused to due their due diligence to help me take these off of my Credit Report.
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 TransUnion 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 personal credit card accounts. 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: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 2 ACCOUNTS THAT ARE SUPPOSED TO BE DELETED AND THEY ARE PAID OFF SEE LETTER AND ONE ACCOUNT THAT IS REPORTED WRONG BECAUSE OF A CHARGE OFF WHICH IS IN ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Equifax removed everything from my credit report even items that were n't disputed along with auto loans that are currently active. and 2 auto loans that i had previously paid off this has caused even more harm to my credit.. They have blocked these items from my credit reports. Equifax has also reinserted 3 items that were deleted due to the identity theft. These items do not belong to me. i was not notified at all by equifax or any one else of these items being re inserted XXXX XXXX Reported : XX/XX/XXXX + {$52.00} Needs Attention XXXX XXXX XXXX XXXX XXXX .
Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX
Product: Mortgage

I have complained before about our family home of 23 years being stole from under us by Huntington Bank Mortage. We paid everything they asked and they still foreclosed on our house. My grandson who is XXXX XXXX XXXX now is now in counseling because of the XXXX this bank has put us threw. It took " 5 years '' to foreclose on the house according to Huntington Bank. The XXXX XXXX sheriffs office harassed us for months and we finally packed everything into a storage unit and had to leave a lot behind and left. Then on XXXX XXXX XXXX ( my daughters birthday ) they sold the house as a sheriff sale to Huntington Bank for {$48000.00} ( who " owed '' the house in the first place ). Then XXXX5 months later Huntington Bank sent me papers stating I needed to insure the house which we do not own. I called the higher up at Huntington Bank and they stated there is no record of the house being sold and/or foreclosed on. We then received another notice a month or so later stating we still needed to insure the house. Then on XXXX XXXX XXXX at XXXX we found out that the house was going up for a public auction online where the auctioneer stated the house was sold but XXXX XXXX still has the house in Huntington Bank as the owner. We have been threw XXXX with this bank and I am very disappointed in this Bank as well as XXXX XXXX. There was no professionalism at all dealing with this house and will NEVER have another bank loan again! We are currently living with family members and my daughter and grandson are now in government housing.
Product: Debt collection

I, XXXX XXXX XXXX, am filing a dispute due to incorrect information on my credit report. I would like set the record straight. Please see details below : I received a copy of my credit report and am disputing an item that needs to be deleted. I have listed the account, the opening date, and account number below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : Original : XXXX XXXX XXXX XXXX Debt Collector : SOURCE RECEIVABLES MNG_ XXXX. 
According to the provisions of the Fair Credit Reporting Act 15 U.S.C 168i these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. XXXX XXXX XXXX XXXX a failed to properly notify me which violates the Right to Notice.This is covered under UCC 9-611, which requires the lender to notify the debtor and before selling the collateral. At the time of the leasing an identification card to verify my identity was produced, which XXXX XXXX XXXX XXXX and/or SOURCE RECEIVABLES MNG should have in there possession. I will provide a copy of my Drivers License associated with me. I request that XXXX XXXX XXXX XXXXXXXX and also produce a similar copy to my Identification card. To comply with Anti-Fraud Laws : Under the XXXX XXXX and other anti-fraud regulations, businesses, including leasing, are required to verify the identities of their customers to prevent money laundering, terrorism financing, and other illegal activities. This is part of the Know Your Customer ( KYC ) regulations. XXXX XXXX XXXX XXXX, was in breach of contract to add an unauthorized grantor, which voided the contract when they added an unauthorized guarantor to the lease. If XXXX XXXXXXXX XXXX XXXXXXXX and SOURCE RECEIVABLES MNG do not prove that only I was on the lease, I ask that they remove all collections of debt and accounts from all reporting agencies as this has hindered my abilities to gain financially. I also ask for the entire amount to be redeem of {$9800.00} in a settlement check send to the address below from SOURCE RECEIVABLES MNG who is liable for my damages. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was the Victim of CRIMINAL ID THEFT. I had to go to court and travel back and forth between 2 different states to resolve the issue and clear my name. 

I was advised to add my mothers maiden name to my last name to PREVENT IDENTITY MIX UP / entanglement. 

After a lot of time, the crimes were no longer attached to my name and I had a new last name. 

In XXXX it happened again. Except I discovered I was the victim of credit ID theft. 4 credit card accounts were opened without my knowledge or consent or my benefiting. They were defaulted and sold many times from one debt buyer to another. 

My credit was destroyed. 

Ive spent YEARS TRYING TO fix it but in XX/XX/XXXX I was sued by XXXX XXXX for {$990.00} for one of the credit cards that was obtained fraudulently by someone using my information without my consent. 

I reported this to the police. 

I AM 100 % willing to press charges against the person doing this to me. 

I filed a complaint with FTC. 

I am defending myself in court against XXXX debt buyer. 

I requested TransUnion block the accounts that were opened as a result of my identity being stolen and received a response stating MY POLICE REPORT DID NOT APPEAR LEGITIMATE! 

But the fraudulent accounts were deemed VERIFIED. 

For 3 years fraudulent information was being reported against me and I didnt fight back because I felt powerless. 

Even though I received letters from 2 different debt buyers and XXXX XXXX stating they agreed that There was fraudulent activity and I was not liable.

How could TransUnion find a legitimate police report frivolous but fraudulently opened accounts verified? 

What system are they using? Who is benefiting from my credit having a lower score? What can be done?
Product: Credit reporting

equifax is showing hard inquiry by XXXX XXXX on XXXX XXXX, 2015. 
I get numerous mailings from XXXX XXXX. I live in the woods and was told to call XXXX XXXX and see if they could provide coverage. That was it. I never applied or inferred that I was going to switch from my Cable Company to them. I never followed up on my questions because I am happy with my Cable provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank has a predatory policy of ending online banking account access for consumers if a checking account goes negative. This resulted in me being unable to receive timely notifications with regard to account changes and due date changes during the Covid 19 Pandemic. 

My bill was due date was XX/XX/XXXX. I paid it in the bank drive through at XXXX XXXX  XX/XX/XXXX ( 29.5 days after the due date, short of the 30 full days guaranteed by the fair credit reporting act and the the 2009 Card act before reporting to the credit bureaus ). This was reported by the bank to the credit bureaus as overdue. After acknowledging that I paid in full short of 30 full days overdue in an exhaustive month long exchange with the banks Vice President of  lending, they determined that the bill had to be paid before the 30th day, rather than before the 30th day at close of business ; which is not in keeping with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX XXXX XXXX  XXXX   Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX XXXX or TransUnion ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

COMPANY OWED  :  XXXX .  AMOUNT OWED  :  XXXX  as of  XXXX   XXXX ,  2017 . TURNED OVER TO COLLECTION COMPANY : IC System- XXXX   XXXX  MONTHLY PAYMENT  XXXX .   XXXX   XXXX   XXXX   . Is   charging an extra  XXXX  LATE CHARGE DUE EACH MONTH FOR I GUESS  XXXX ! Why am I paying  XXXX  extra each month AND ONLY  XXXX  dollars taken off amount due? They are tripling balance due with  XXXX  extra fee tacked on! IM NEVER LATE WITH COLLECTION PAYMENT AS IT IS AN AUTOMATIC MONTHLY SEDUCTION FROM MY CHECKJBG ACCT!   XXXX   NO.  XXXX   XXXX . Please help as I am senior retired female on  SSI!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXXXXXX - XXXX XXXX Account Number : XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In the past 6-7 months, I have discovered fraudulent accounts and credit cards opened in my name, several other inquiries into my credit not made by me, and a debt collection balance not belonging to me. 

In XXXX 2023, I became aware of potential identity theft and fraud. I have reported most of these attempts as fraud to the specific companies, and I have seemingly shut down all accounts opened in my name. 

1. I noticed someone trying to sing in to my bank account several times. I reported this to my bank and have since changed the username and password. 
2. I received mail regarding a XXXX XXXX credit card in my name with over {$1300.00} spent. I reported this as fraud and the account was closed. 
3. I received a call from a XXXX ( XXXX ) regarding an overdue payment. I reported this as fraud and the account was closed 4. I received mail regarding a failed attempt to open a credit card at XXXX XXXX in my name. 
5. I received mail regarding a failed attempt to open a credit card at Target in my name Following these events, I filed at FTC Fraud report, specifically naming the XXXX credit card ( {$1300.00} balance ) and the Xfinity account created ( unknown balance ). I also generated a Credit Report using TransUnion. On my Credit Report, I discovered 2 phone numbers associated with my account that were not mine, I found what seem to several other attempts to create accounts or credit cards, and I found a balance with a debt collector. None of these inquiries or balances belong to me.

1. The following phone numbers were associated with my account despite neither belonging to me. I disputed both numbers and had TransUnion remove them. 
( XXXX ) XXXX ( XXXX ) XXXX XXXX. I still see inquiries made by XXXX  ( 1 time ), XXXX XXXX ( 3 times ), XXXX ( 1 time that is fraudulent ), XXXX  ( 1 time ), XXXX ( 1 time ), and XXXX XXXX  ( 1 time ). I am not able to dispute these inquiries. 
3. I also found a balance of {$10000.00} with XXXX XXXX XXXX, debt initially owed to XXXX XXXX XXXX. I disputed this line item, and TransUnion removed it. 

I have attached the FTC report and the two credit reports ( one with the false phone numbers and {$10000.00} debt balance, and one report after they were removed ).