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

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! 

XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses that's on my account and fraudulent addresses on my Experian credit profile that I do not recognize. These addresses I have never lived at and want the deleted and removed from my Experian credit profile. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type - XXXX XXXX XXXX XXXX, NC XXXX Resident type Apartment complex
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE acocunt on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to follow up the previous Complaint I submitted last XX/XX/XXXX, as well as the Dispute letters I sent on XX/XX/XXXX. I believe that the Credit Reporting Agencies are not actually doing their job XXXX have became negligent of the Federal Regulation. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that the consumer identifies as an item resulting from the Identity Theft. I am requesting to the Credit Reporting agencies to please remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again, if the Credit Bureaus would claim that the disputed items are verified and belongs to me, I need the Credit Bureaus to send me copies of proof of verification, proof of ownership, or any documents bearing my signature to support the Credit Bureaus claims. Failure to present me documents I seek must result in immediate removal of the items in dispute.
Product: Debt collection

XX/XX/2012 {$4000.00}, The company is trying to collect an OLD debt in which a VOLUNTARY repossession occurred. They would not allow me to Refinance which left me stuck paying on a car that has no function. I have XXXX small kids and I felt they tried to get over on me. They In turn tried to take the money out of a Bank account that I no longer have. This in turn is causing a lawsuit with that bank. I did not give them authorization to do that. I do not owe this debt
Product: Debt collection

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

Approximately two years ago, I opened a {$10000.00} CD account with CIT Bank, XXXX, CA in response to an internet ad. All communications with CIT have been over the internet or by telephone. 

Communicating with CIT is difficult. My experience is that it can take up to an hour to reach CIT personnel by telephone.

Internet communication is, also, difficult. In addition to entering a User ID and Password ( both of which are stored in my computer ), upon entry of the foregoing, CIT requires that I authorize a text to me of a Code to ( presumably ) a telephone number maintained by it.

The telephone number that CIT has on-file was not supplied by me and has no relation to me.

This incorrect number has been on file since the account was first opened and CIT has refused numerous requests from me that my correct telephone number ( XXXX ) be inserted in its records. 

The result is that it is not practical for me to monitor the content of my account - getting access requires at least one telephone call to CIT ( which can take up to an hour ) and undergoing a cumbersome telephone number resetting.

CIT routinely sends communications - other than those dealing with renewals - to me by email.

Communications regarding renewals are, according to CIT, archived in my on-line account, which I can not readily access. 

Over a year ago, I informed CIT in writing not to renew my CD because their renewal rates were not attractive.

CIT now refuses to send the entire proceeds of my account to me.
Product: Checking or savings account

On XX/XX/XXXX - XXXX someone took all the money off my card {$1400.00}. I do not know who did this to me. I contacted my bank to resolve this issue. However, my bank has failed to properly handle my claim. Someone working at the bank added inaccurate notes to my account stating I asked for my claim to be closed. I called every day, begging my bank to help me recover my money. They have failed to properly investigate this matter. I spoke with serval different people who promised me my money would come in XXXX business days. No one from my bank ever contact me to get more information, and I did not receive any alerts from my bank when this was happening to my account. They closed my claim and lied about my account which is very concerning to me. I am not sure if they had something to do with stealing my money.
Product: Checking or savings account

I had unauthorized charges on my account at Chase bank. I called claims dept and filed a claim. First they credited my account for the amount of the charges then investigated the charges and reversed the charges without providing a reason why. When i called to understand why i wasnt granted the amount that was taken from my account without consent or even my knowledge they said it was outside of the 60day window for filing claims. The first charge happened on  X/XX/17    for {$33.00}, the second charge took place on  X/XX/17    and i filed a claim on  X/XX/17   . I am not understanding how this is out of the 60day allowance time to file a claim. I am going to contact the companies who made the charges get proof that i did not conduct these transactions then file a lawsuit against chase. In the policies it states that a customer will be refunded for any charges they did not authorize and i am 100 % sure i did not authorize these charges and i can provide proof.
Product: Credit reporting or other personal consumer reports

I don't know what this is! Experian XXXX and XXXX has been reporting inaccuracies on my file. I have been denied from buying a house! remove this account I have no idea about it. I will sue just like the consumers did XXXX XXXX XXXX XXXX XXXX for inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018 I received an alert from Experian stating an inquiry had been made on my credit report by Experian Business Credit.  I contacted experian to gather more information on the inquiry as I did not submit any applications for credit utilizing my business name in the month of XXXX.  Experian provided the name of the entity that submitted the credit request. It was a company called XXXX XXXX XXXX and confirmed they made the request on XX/XX/XXXX.I explained to experian I wanted to dispute this as I made zero credit applications. They stated they do not accept disputes? I would have to contact the company, receive a written letter from them stating the inquiry was in error and then they would remove it.I tried contacting the company to understand how they were able to pull my credit without my consent or without me having an active application for financing?I was given the run around and routed to another organization a broker for XXXX XXXX XXXX that contacted me in regards of merchant financing. To summarize the organization XXXX XXXX XXXX submitted an expired application from May to XXXX XXXX XXXX XXXX pulled my credit without my consent, XX/XX/XXXX submitted the request without me having an active application or my consent.Neither company is accepting responsibility and Experian will not remove the fraudulent inquiry from my report. I have written, email documentation from both organization that states they used an expired application and pulled my credit on XXXX without my consent. There is no documentation either organization can provide that shows I consented to a credit request on XXXX or filled out an application for financing.
Product: Credit card

On XXXX/XXXX/2016 - I made a purchase of XXXX tickets from XXXX and cancelled it in less than 24 hours. As per the rules such tickets gets refunds properly but due to some issues the refund was getting delayed so i initiated a dispute with Capital One regarding that transaction on XXXX/XXXX/2016. Purchase was adjusted by capital one on XXXX itself. Later on XXXX XXXX issued a refund. Now from that day till now I have been following up with Capital One to close that dispute. Called their dispute team thrice till now and chatted and called customer service at least 5 times ... but nothing has happened. Their dispute team said that they will do that. But nothing happened. Worst situation - they have n't even sent me a communication that they are closing the dispute. Dispute team works only M-F during certain hours ... long verification process and around 20 minutes per call. There is no secure message center to send communication within Capital One ... essentially i had spent close to 2 hours overall just to resolve this issue with Capital One and no output. No assurance or acknowledgement that they are going to do something.
Product: Credit card or prepaid card

On XX/XX/XXXX I logged onto the website to payoff my credit card balance in full. Using the options on the site I selected the radio button that reflected my total balance due. I paid {$8500.00} on that day to pay my balance in full. A few days later I received a statement and disregarded it because I paid off my balance. 30 days went by and I received another statement. This time I opened the statement and I was shocked to find that Citibank charged me {$130.00} in interest on XX/XX/XXXX ( approximately 6 days after I paid off my loan ), {$35.00} in late fees on XX/XX/XXXX, and another {$2.00} in interest also on XX/XX/XXXX. I called and spoke with a representative who told me there is nothing he can do about it. I asked to speak with his supervisor who promptly got on the phone and told me after speaking with Citibank directly, there is nothing he can do and all the charges are valid and I must pay. He refused to even waive the late fee. I asked him how is it possible for me to be charged interest after 6 days after I paid off the loan even when I used the options to pay the balance in full on the website and he could not give me an answer. I asked for this matter to be escalated to his manager. He took my information and stated his manager would call back within 24-48 hours, which did not happen. I would like for these interest and fees to be removed from my account so it reflects a XXXX   balance as I paid this in full on XX/XX/XXXX.
Product: Debt collection

On XX/XX/2015 a man name XXXX called stating, he works for Attorney Copper, Hoffman and Klein and he is collecting for his client, on a online payday loan that I suppose to have got. He is attempting to collect the debt. I explained to the young man, I did n't or have a loan and I need documents showing this debt, he said I have the contract, I told the man, I do n't have any contract inreference to this debt and I need to have something. He said if, I do n't pay today, I will be getting served papers and I will be responsible for that fee as well and my wages will be garnished, I would have to pay XXXX or full amount with fee 's that makes it {$1300.00}, I kept asking for documents of this matter and he kept telling me he knows, it 's me, have my bank information and ss #. I told him mail me documents, was n't getting anywhere I got off the phone. On XX/XX/2015 a XXXX XXXX or XXXX, said she is calling from Copper Hoffman and Klein Attorney office, before she can start, I told her I need documents of this so called debt, she said, you have the contract, I explained to her, I do n't have any documents in reference to this so called debt, and send me documents and stop calling me at work and on my cell. I need these so called documents so I can give to my Attorney, she asked me for information, I said NO, mail me documents of this debt. I just hung up, then 10 minutes later she called back from a different telephone number, I told her with my co workers here, stop calling me and send me a debt validation letter, I even asked for their address and would n't give it. She said you will be served and go to jail, I said XXXX do n't threaten me or call my job or cell anymore. I will wait to be served. They still be calling from XXXX different telephone numbers, I blocked them, then private numbers call asking for me or I just do n't answer. This account I have no Idea what they are speaking on, all I asked is for proof and their address so I can do letters. I work for the Government and I am involved where my information was stolen through the XXXX, every since that has happened, I am getting these phone calls. In the background you hear TV 'S and music. I 've called both numbers back the numbers are XXXX man answers,XXXX man and woman answers. Both same voices who calls me. Iive looked them up and ca n't find this company. I do n't know if it 's real, but I do n't think so. They are very rude, unproffesional, like to threat wage garnisments and serve papers and keep calling work and cell after been asked and told not to call anymore and I am requesting these documents and they say it 's 4-6 years old check online with a check and go and we could get the people on line, I just want to see these documents and these calls to stop, wo n't give me there address to write them so I can request to submit a validation letter and do a cease and desist letter.I have nothing in reference to this so called debt, they say they have my bank information, last XXXX and where I work. But ca n't provide me anything just threats and saying you owe this. Thank you for your time in this matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted Transunion, XXXX  and XXXX   to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that is appearing on my credit report specifically related to an Apple Card account, which I believe is the result of identity theft. This inaccurate information, including inaccurate dates associated with the account, is negatively impacting my credit score and my ability to obtain credit. 
Details of Inaccurate Information and Identity Theft : * Stolen iPhone and Apple Card : My iPhone was stolen on [ Date of theft ], and I believe my Apple Card information was accessed and used fraudulently as a result. I reported the theft to [ Name of law enforcement agency ] on [ Date of report ] ( Case number : [ Case number, if applicable ] ). 
* Unrecognized Account : My credit report shows an account with Apple Card/GS Bank USA that I have no knowledge of ever being opened. I did not apply for or authorize this account. 
* Inaccurate Dates : The dates associated with this Apple Card account are inaccurate. I have never possessed an Apple Card, so any dates related to account opening, alleged use, or charge-off are incorrect and should not be on my credit report. 
* Charged-off Status : The Apple Card account is listed as " charged-off, '' indicating a loss due to non-payment. I have never had an Apple Card, so I could not have missed payments. 
* Late Payment History : My credit report shows a low percentage of on-time payments, which is inaccurate. I have always paid my bills on time, and this incorrect information is likely associated with the fraudulent Apple Card account. 
* Conflicting Information : While the Apple Card account is listed as " charged-off, '' the " Charge-Off Amount '' field is marked " Not Reported '' across all three credit bureaus ( XXXX, XXXX, and XXXX XXXX. 
* Failure to Investigate : I have contacted [ Name of entity you reported the theft to, e.g., Apple, Goldman Sachs ] on [ Date of contact ] to report the theft and unauthorized charges on this Apple Card account. They have refused to investigate this matter. 
Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter thoroughly, including the potential identity theft and the refusal of [ Name of entity ] to investigate my report. Due to the extent of the inaccuracies, I request that all information related to this Apple Card account be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I am also requesting that the credit bureaus ( XXXX, XXXX, and XXXX ) provide me with proof of the legitimacy of this Apple Card account, including any documentation that links this account to me. 
I have attached a copy of my credit report with the disputed items highlighted. I am also willing to provide any additional information or documentation that may be helpful in resolving this issue, including a copy of the police report regarding the theft of my iPhone. 
Thank you for your time and attention to this matter. 
Sincerely, [ Your Signature ]