23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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 medical account opened at XXXX XXXX XXXX  on XX/XX/year> under the account number XXXX, with a owed balance of {$1300.00}. Another medical account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, with a account balance of {$14000.00}. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts 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, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 and collections are the result of identity theft and fraud.
Product: Credit card or prepaid card

Hello, About 1 month ago, XXXX 2017, I opened a credit card through XXXX credit services, which they promote ad nauseum on their website. When you activate the card the system asks you if you want future XXXX purchases funded with the credit card, or if you 'd like to keep your regular payment method as the preferred method of payment. I chose NOT to have the new credit to be used as a payment method. I then checked my settings to be sure that my credit card would not be used as the payment method. 

When I made my next XXXX purchase the payment went directly to the credit card. I checked my settings again and they were set to have my bank account as my payment method. I made another purchase through XXXX and it went onto the card again, and then a third time. 

I contacted XXXX and they basically said they must have made a mistake, but there was no way to change the purchase method, it was too late! I then canceled the credit card and my regular XXXX account and told them to send me the bill for the balance on the credit card. They have not sent a bill. I have tried to speak with them on several occasions, simply to pay my bill but they say my account has been closed and they are n't able to see anything in my account. I have asked for a bill over and over again and on several occasions, they have hung up on me or transferred to an automated phone system. This has happened many times. 

I opened the credit account in order to build a credit history and had planned on using it very judiciously, now my credit report states that I have opened too many accounts then closed them. This is fraud. What can I do? There are no email addresses or other phone numbers to use to contact XXXX. I fear my credit is suffering through no fault of my own. 

Thank you for any help you can provide,
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support does not belong to me and my credit was ran without my consent
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) this it not mine inreporte to the police ..please removed from my credit report
Product: Credit reporting

MY NAME IS XXXX XXXX. I WAS CHECKING MY CREDIT AND FOUND OUT THERE ARE DIFFERENT ADDRESS LISTED. I HAVE NEVER LIVED IN XXXX, IL 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 2 ) XXXX XXXX XXXX XXXX, IL XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ALSO I HAVE NEVER GONE BY THE NAME XXXX XXXX. I THINK IS THE WRONG PERSON OR THEY ARE USING MY IDENDITY. MY EMPLOYER INFORMATION IS NOT CORRECT.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I got a call from a Citibank person stating that my bank acct had been hacked and was compromised and I got scammed when they access into my online banking and register for XXXX- they made 2 unauthorized transfers from my checking account - the amount of XXXX And another XXXX The bank begin an investigation and didnt applied the provisional credit or response on 5 days.
Product: Checking or savings account

I have a {$250000.00} CD with Citibank. On XX/XX/year> an interest deposit was credited to the account in the amount of {$930.00}. On the same day the {$930.00} was transferred to a closed account of mine at Citibank, this was not the account I instructed them to apply the funds. 

Citibank will not correct the error ; I just want the funds deposited to an XXXX account at Citibank, they refused. 

They informed me that I will be receiving a letter regarding the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent accounts and three inquiries On my credit report. 
Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka XXXX XXXX XXXX. I, my XXXX in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. 
Phone calls XX/XX/18 XXXX female states I will be at your place of employment and residence. 
XX/XX/18 ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. 
XX/XX/18 ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. 
Received letter XXXX, XXXX from XXXX XXXX XXXX. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.
Product: Credit reporting or other personal consumer reports

The Following inquires Capital XXXX Auto XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, & XXXX XXXX Auto XX/XX/2024 are from an result of identity theft. I already filed my FTC report to report identity theft and mailed it in to the company and they failed to remove them from my report they should be removed immediately.
Product: Prepaid card

On XX/XX/XXXX and XX/XX/XXXX I purchased six Vanilla Visa gift cards ( distributed and serviced by Incomm Financial Services , Inc ) at a local XXXX XXXX XXXX  supermarket. Four of the six cards were used within the following XXXX days and two of the cards remained unused. On XX/XX/XXXX the balances on the two unused cards were checked at the Vanilla gift card website ( XXXX ) and both had the same balance they had when purchased ( {$480.00} and {$500.00} ). At the time, I was going to register the cards in my name and address, as I had with other gift cards, but was surprised to find there was no way to do it. On XX/XX/XXXX when trying to use one of the cards to make an online purchase the payment was declined. I immediately checked the balances of both cards at vanillagift.com and the remaining balance was zero on each one. It showed both cards were used to make large purchases at XXXX on XX/XX/XXXX that drained all of the funds. The transactions made at XXXX are all fraudulent. Both cards have been in my possession ever since buying them and I nor anyone known to me has ever used them to make any purchases. On XX/XX/XXXX, I filed disputes of the fraudulent transactions with Incomm at XXXX  and pictures of the cards and the receipts were emailed to them as requested. On XX/XX/XXXX the status of the cases at vanillagift.com indicated the cases were " resolved '' even though no correspondence was received by me from Incomm since filing the disputes.
Product: Credit reporting or other personal consumer reports

Attention : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FairCredit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( FCRA ) Account Name : XXXX business cred Date Filed : XX/XX/XXXX Type of Account : credit bureaus Address : XXXX XXXX XXXX, XXXX tx XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX : Reason : XXXX Account Name : XXXX XXXX NA Date Filed : XX/XX/XXXX Type of Account : Bank credit XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Number : Reason : XXXX Account Name : XXXX XXXX NA Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX ca Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX Number : XXXX Account Name : XXXXXXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Personal loan companies Address : XXXX XXXX XXXX XXXX in XXXX Number : Reason : XXXX Account name : credit control XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX Number : Reason : XXXX Account XXXX : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Number : Reason : XXXX Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Number : Reason XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Please remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX remove the following Employers from my account. This information does not apply to me.Inaccurate Employer as stated on Credit Report XXXX XXXX XXXX XXXX XXXX Please remove the following telephone numbers from my account. I am in no way affiliated with this number. 
( XXXX ) XXXX
Product: Debt collection

I requested in writing for Southwest Credit To Validate Debt which they failed to do by just send me a copy of a bill
Product: Checking or savings account

I did 13 XXXX transactions they were for credit for a game and they scammed me it was fraud I disputed them with my bank but they didn't do anything they closed and said no fraud the other 2 out of 11 were for a computer XXXX and XXXX I want my money back. they scammed me on all of these and there was fraud on there end they didn't even investigate they jus closed my cases. its Wells Fargo the dispute case numbers wit Wells Fargo are XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>
Product: Student loan

I have for many years tryed to find out about my loans and payments its been over 4 years since I have recieved any bills or even mail from them. I get things from the government but not from the lender. I was told that my credits would transfer if I went to a different college to find out that is false. Not one of my credits are eligible at any college. I would have never went to the private college XXXX. XXXX  is shut down because of that reason.
Product: Debt collection

I received a debt validation letter from Commonwealth Financial for services rendered at a hospital I have never been to before. I called the hospital and spoke to their billing department about this and was told to direct this communication directly to the debt collector. This is my official notice to Commonwealth Financial that the debt they are attempting to collect from me is not mine. I did not sign authorizations at this hospital and have now confirmed this with the hospital. There are two other XXXX XXXX 's ( that I know of ) in the XXXX XXXX  area. I believe this debt belongs to one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX XXXX. Please delete ASAP.
Product: Credit card or prepaid card

I have called everybody and spoke with multiple and I still haven't received a card for 3 months.
Product: Mortgage

I was impacted by COVID 19 and took the forbearance option with my mortgage provider ( Loancare ) in the middle of XX/XX/2020. At that time my loan was 2 months behind, I brought the loan current on XX/XX/2020. 

I attempted to bring the loan current in XXXX but Loancare took 5 months to process my escrow analysis showing my payment {$600.00} higher than it should have been. This was not corrected in their system until XX/XX/XXXX. 

From XXXX until today Loancare continues to report my loan as 60+ days late to all 3 credit bureaus. 

On XX/XX/XXXX I requested the first credit dispute, which was denied as Loancare said  what was reported to the credit bureaus is correct. 

On XX/XX/XXXX I requested the second credit dispute, which was denied as Loancare said what was reported to the credit bureaus is correct. 

On XX/XX/XXXX I requested the 3rd credit dispute, which was denied as Loancare said what was reported to the credit bureaus is correct. In speaking to the is was told that because the loan was delinquent going into the forbearance period it would continue to report as " late '' until it was removed from forbearance.
Product: Mortgage

I made an additional payment toward my principal balance to Mr. Cooper home loan. The agency automatically applied the payment to the next regular payment, thus keeping their portion of the finance charge. I contacted them immediately to correct the problem. They took only one step and now have the amount listed as " unapplied ''. It has now been almost two weeks and they say it is still in process. This delay allows them to keep the additional money and not reduce my principal balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Regarding Fraudulent Account Due to Equifax Data Breach To Whom It May Concern, This letter serves as a formal Cease and Desist Notice regarding the fraudulent account ( s ) opened in my name due to the Equifax data breach, which resulted in the unauthorized exposure of my personal and financial information. Your companys continued reporting and recognition of this fraudulent account violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable laws. 
Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further reporting, collection, or dissemination of this fraudulent account. Under 15 U.S.C. 1681b, my consumer report may only be used under specific legal conditions, and the inclusion of this fraudulent account violates these provisions.

Additionally, under 15 U.S.C. 1681n and 1681o, I am entitled to seek damages for willful or negligent noncompliance with the FCRA, including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions. 
Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and fraudulent activity. The FTC report serves as further evidence that this account was fraudulently opened without my consent, and I expect your full cooperation in resolving this matter. 
Fraudulent Account Number ( XXXX ) : XXXX XXXX Inquiry Accordingly, I demand that you : Cease and desist from reporting, collecting, or attempting to validate the fraudulent account ( s ) associated with my personal information.

Immediately remove and delete any fraudulent information related to this account from my credit report and your records.

Provide written confirmation within 30 days that all necessary corrective actions have been taken to comply with this request.

Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am asking for your assistance regarding the incorrect account on my credit report. This issue has hurt my reputation as a customer, and I need your support. I want these accounts removed because they are being reported inaccurately and have a negative impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX. XXXX XXXX XXXX  XX/XX/2021 XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX  XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX XXXX XXXX. I had XXXX issues with XXXX. Then they sold off all of these loans to a company called XXXX XXXX XXXX and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and EXperian and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to XXXX XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam
Product: Debt collection

I have contacted this company several times to get validation of this debt they are saying that I owe. They have failed to respond. This is impacting my credit rating and I need this resolved or removed from my report immediately. I do n't know what this is for and I 'm trying to get a contract bearing my signature saying that I owe them anything so I can resolve this matter.
Product: Debt collection

Found a credit card debt I don't recognized from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX   in the amount of {$670.00}. Seen reported on XXXX, XXXX and XXXX. Creditor information : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX