23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home in XXXX XXXX  XXXX. We found my brothers XXXX XXXX XXXX on my report showing delinquent. We had a conference call between myself XXXX XXXX my brother XXXX XXXX and XXXX. XXXX with XXXX XXXX XXXX  company and they confirmed at that time it was my brother XXXX XXXX delinquent mortgage and they stated they would have it removed. XX/XX/XXXX I apply for a construction loan to build my home and again it is on my report making no bank want to lend money because it shows delinquent on a house I do not own.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15U.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 opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX XXXX under the number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX under the account number XXXX XXXX XXXX XXXX under the account number XXXX And XXXX XXXX XXXX on XXXX XXXX under the account number XXXXThese account have resulted in fraudulent collection/charge off appearing on my consumer FICO credit report. I've attached a list of said 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, collection/charge off as reported. The aforementioned accounts collection/charge off appearing on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforementioned accounts collection/charge off are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal complaint case number XXXX as proof the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection/charge off are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

August 29-30th XXXX  it was I reached out to XXXX XXXX  to purchase a new vehicle my husband and I drove out of our way to make this purchase. We walked away with a new vehicle then a few days later Im getting notifications back to back from my XXXX app that someone was trying to gain access to my credit profile only it was locked but they were able to obtain both transunion and XXXX profiles. I look and see that XXXX XXXX  XXXX, Ga had used my ssn for over 10 different banks to get access to a loan none of which I gave permission for or did XXXX  mention this. This is unfair and disrespectful I would like all inquiries removed. The dates for the inquiries are from XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I rented an apartment with my now ex. We finished our first lease and renewed the lease for a second year. We started having problems in our relationship and I moved out XX/XX/XXXX, the lease ended in XX/XX/XXXX. The lease was paid in full. My ex decided to stay in the apartment. I never resigned a lease and from my knowledge they allowed him to stay in the apartment and extend the lease without my signature for a new lease. I had told them that I no longer live there and do not want my name on the lease anymore as the original lease had ended. The lady in the office said I ca n't take your name off of the lease because XXXX does n't make enough income to pay for the apartment. I fought with her telling her that my lease ended and I no longer live there. So she knew that he could n't afford the apartment and still let him live there. He ended up defaulting on the lease in XX/XX/XXXX. Almost a year after I had moved out. There was also damages to the apartment that are charged in addition to all the late fees and court costs. 
I have a letter from XXXX himself stating that he is solely responsible for the lease and apartment. Also the bill that the apartment complex sent out was ONLY billed to him. I have been fighting with the collection agency letting them know that I was not a resident after my lease contract was completed and paid in full for the duration of the lease. I never renewed or resigned anything after the lease ended in XX/XX/XXXX.
Product: Credit card

On XX/XX/XXXX, someone used my name to apply with CITICARDS CBNA ( Citibank ) for a credit card. I was alerted to this by XXXX and XXXX. With the help of an XXXX Restoration Specialist, I contacted the Citibank Fraud Department, who in turn went through the process of freezing the account. I have also sent this information to XXXX and am still waiting for a response from XXXX. I have also notified my local Police Department. Everything is currently still in motion, but so far nothing appears to be out of the ordinary with my bank accounts. My restoration specialist recommended that I should file a report with you as well.
Product: Credit reporting or other personal consumer reports

I recently discovered alarming inaccuracies and unauthorized actions on my consumer credit report, which I believe stem from a data breach and unauthorized inquiries. These issues include incorrect personal information, accounts, and inquiries that I never authorized. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 604. 

I am disputing the following issues : Personal Information Incorrect Name : XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, CT XXXX Incorrect Date of Birth : XXXX Employer : XXXX Accounts Being Challenged XXXX : XXXX Inquiries Being Challenged XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have made previous attempts to contact the entities responsible for these entries, but they have not provided verifiable evidence bearing my signature or electronic signature, as required by FCRA. This lack of compliance further underscores the violations of my rights under FCRA Section 605B and 604.

I respectfully request that these inaccuracies be corrected or removed. Additionally, I ask for the deletion or blocking of these accounts and inquiries in compliance with the law. If this matter is not resolved promptly, I may be compelled to pursue further action to protect my rights.
Product: Debt collection

XXXX XXXX XXXX loyalty line original told us they would give my husband {$750.00} for my husbands XXXX XXXX and {$750.00} for my XXXX XXXX ( both in mint condition ). We were going to to go to XXXX if XXXX XXXX XXXX wasn't going to give us anything for 18 years of loyal business. We decided to stay with XXXX XXXX XXXX and bought XXXX XXXX maxes. When we went to to turn in our XXXX XXXX XXXX XXXX XXXX then said they wouldn't give us the money they agreed to. {$75.00} for my phone, {$35.00} for my husband 's. We then returned the phones to XXXX XXXX XXXX within the 14 days they require, when they broke their end of the contract ( I have the USPS shipping receipt & tracking that is was delivered ). They are now trying to charge us for the XXXX in the amount of {$2700.00}. I have called XXXX XXXX XXXX  a total of 13 times and spoke to 25 different people, they keep telling me they are taking care of it. I have gone to the XXXX XXXX XXXX Store 5 times and talked to 6 different people and we have now been sent to collections at Sequium Asset Solutions. XXXX XXXX XXXX has now removed {$2500.00} from our bill but still says we owe them {$260.00} which Sequium Asset Solutions is trying to collect. I don't know for what, I can't locate anything on our past bills what the charges are for?! We have been with XXXX since XXXX. We paid our last bill which was {$180.00} XX/XX/2021. XXXX XXXX XXXX still owes my husband {$100.00} for the tax he paid on my XXXX we returned to them and they received XX/XX/2021. Delivery proof is in the attached document.
Product: Credit card or prepaid card

Two years ago I ordered via the internet virus protection service for my computer for two years from XXXX vendor with my Capital One XXXX credit card. 

I never authorized XXXX to automatically renew this virus subscription service. Subsequently on XX/XX/2021 my credit card was charged {$110.00} for subscription renewal for XXXX. 

I informed Capital One that I did not authorize this charge several times. I asked them to dispute this charge and close my account. Capital One has sent me numerous letters asking for receipts for this original purchase. I explained to them that it was two years ago and never received a hardcopy receipt. 

I have other credit cards and never experienced the amount of wasted time and frustration to do two simple things ... .dispute a charge that I did not authorized and close my account. 

My case number with Capital One regarding this matter is # XXXX. 

Please help me resolved this matter once and for all as I do not want my excellent credit rating damaged by this unauthorized charge. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting

On multiple occasions, I have requested that Experian remove or " block from appearing '' a fraudulent account from XXXX XXXX XXXX. Per FCRA guidelines, this should have been blocked within 4 days because this is a situation of identity theft. I have sent them a police report, explanation of events, and proof of military service which showed I was a victim of identity theft while XXXX. They refuse to cooperate and remove the fraudulent item repeatedly. Experian shows an extreme neglect for the situation. I have gone as far as to have the police officer themselves call Experian to request the removal. They continue their refusal to comply. The fraudulent credit card from XXXX XXXX XXXX is causing me significant emotionally and economical damages and I will file suit as so if this is not immediately resolved. 

I have provided more than enough information and Experian not only refuses to cooperate, but they have not provided ANY documentation as requested that they properly investigated the fraudulent account. This is another violation.
Product: Credit reporting or other personal consumer reports

This is to inform the CFPB. That for the past six months. I have been trying to renew credit with XXXXXXXX XXXX Unfortunately, there is a freeze on my consumer credit report. With a company by the name of XXXX XXXX which Is owned by Trans Union. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my TransUnion freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, TransUnion and XXXX XXXX, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between TransUnion and XXXX XXXX and XXXX is denying credit to the consumer. XXXX XXXX is demanding my personal information when I have mentioned that all my information is with Transunion since TransUnion is owned by XXXX XXXX it should not be hard to get my personal information. my understanding is that XXXX does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by XXXX when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX TransUnion and XXXX XXXX. due to the response, I received. XXXX  TransUnion. And XXXX XXXX. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

i have inquires on my credit report that i did not authorize and do not recognize.
Product: Credit card

My credit card has a service whereby XXXX precheck services are reimbursed as one benefit of my {$450.00} annual fee. I obtained the XXXX recheck in XX/XX/2016. I have made 5 phone calls spanning the last 4 months and have yet to get a refund of that money. Every time I call, they are " going to look into it '' and " I should expect a credit any time now. '' This is absolutely unacceptable for a financial institution to be holding onto my money for this long with a promise of providing this reimbursement. I have spent no less than 2 hours on the phone which is very precious and another example of the " hoops '' consumers need to jump through to protect our own diminishing rights.
Product: Debt collection

On XX/XX/20 I received medical care at a walk-in facility. I filled out intake information with personal details including my address. I provided insurance cards for both my health insurance plans. I did not pay at time of service. 

On XX/XX/20 I received a phone call from a collection agency discussing the debt. I called them back on XXXX. They confirmed over the phone that a notification was sent to a particular address. I do not live at that address. I called the billing department for the medical facility and gave me the particular address that was incorrect. 

Had I received a bill for this, I would have paid immediately ; before it was submitted to collections. I have the means to pay this bill and the intentions to settle the account ASAP.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Debt collection

I am called at least daily by Navient regarding student loan debt I co-signed for, starting the day it is over due, and continuing every day thereafter. They say " cease and desist '' is not applicable. The payment is {$390.00} per month and has never been more than 30 days behind.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNTS that end in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

XXXX5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i made my payment on XX/XX/2022 but XXXX bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the XXXX credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt XXXXXXXX XXXX  help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the XXXX bank satments proof they changed the loan number for the same preperty adress and proof of payments from XXXX  bank and the returen that i was not awaere of
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX and Acc # XXXX XXXX  XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This account was paid in full before being sent to a debt collector. 
It is still showing up on my credit report as a derogatory account of {$9.00}, and has for the last 3 years. It should be removed from my credit report, since all agree that it is not owed.
Product: Credit reporting

I sent experian info regarding the account by XXXX that payment was paid in full, but the account is still on my credit report i have disputed this many times.
Product: Credit reporting or other personal consumer reports

Credit Reporting Act ( FCRA ). Under the FCRA, specifically in Section 605B, consumers have the right to block fraudulent information from their credit reports. If you are a victim of identity theft, you can take the following steps to have fraudulent inquiries removed from your credit report : I never inquired about vehicle finance with these companies, and I dont have a auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been receiving notices from Chase that my homeowners insurance is expiring and that they will purchase insurance on my behalf and bill me for that. 

My homeowners insurance is not expiring and the policy is currently in place and my premium payments are up-to-date. 

I've contacted Chase and my insurance agent but Chase seems totally oblivious to this and seems intent on defrauding me by charging me for a policy that is not needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This 's my 3rd complaint. I have 2 police reports on file with the XXXX Police Department and XXXX XXXX Police Department and have sent 2 police reports with the case numbers listed to XXXX XXXX, XXXX and Experian in regards to the following fraudulent and unauthorized collection/charge off account and hard inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX-Branch, XX/XX/XXXX. The collection accounts and hard inquiries are all fraudulent and do n't belong to me. I have never had an account with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 - XXXXXXXX XXXX XXXX XXXX - Fraudulent Information following a dark web exposure 2- XXXX  XXXX multiple times 3 - XXXX XXXX  - multiple times 4 - XXXX XXXX multiple times