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

Disputed The Company XXXX on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX/XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

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

XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$770.00} ; XXXX XXXX XXXX XXXX ... XXXX Balance XXXX {$400.00} ; XXXX XXXX .... Balance XXXX {$1100.00} ; XXXX  XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$4200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$5800.00} ; XXXX XXXX XXXX XXXX .... Balance : {$770.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$3100.00} ; XXXX XXXX XXXX XXXX .... Balance : {$2400.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1900.00} ; XXXX XXXX XXXX XXXX .... Balance : {$390.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX Balance {$4800.00} ; XXXX & XXXX XXXX Balance {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX CA XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that the company XXXX XXXX XXXX and TRANSUION are reporting misleading, fraudulent, and unverifiable information on my credit report. The account that is being reported is from XXXX XXXX XXXXXXXX XXXX XXXXXXXX with a balance of {$1400.00}. The account number is XXXX. First, I did not receive any documentation from any one of these companies to validate that I am responsible for this debt or that they intend on seeking collection. I just woke up one day and this account popped up on my credit. Secondly, I have disputed this debt in the past because the account is fraudulent. The result of me disputing this account in the past, was that the account was deleted because someone used my information in the emergency room. I am a victim of identity theft and I have made multiple police reports, FTC reports, and disputes. I have also locked my credit report with all three bureaus. I called the debt collection company about this debt to tell them that this account is fraudulent. The manager " XXXX '' was very rude to me and told me there was nothing he can do. Why is there an old account from 2017 being rereported that was already removed due to fraud? I am requesting that all of the companies I am making my dispute against delete this account from my credit report, delete my information from there systems and do not sell my information to any other debt collector. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me. If this account is not deleted, I do intend on taking legal action. This is causing my family serious financial stress. This is unfair. I am also requesting all the information these companies have regarding this account. I have attached a police report that I filed when I first became aware that my information was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has two different account numbers. XXXX - XXXX Experian - XXXX. This isn't the only inaccurate or inconsistent as well as violations information on this account.
Product: Vehicle loan or lease

I have contacted navy federal multiple times about my payment and interest rate on my auto. I signed a promissory note for a rate of 8 % and now my auto is at 18 %. After speaking to them I was told the auto does not have the bank listed as lien holder. Upon contacting the dmv multiple times and after renewing my auto registration I found out that they are in fact listed but they refuse to adjust my payment and rate back to the contractual amount.
Product: Credit card

My Discover card ( which was not late ) was suspended due to my Discover loan payment being 9 days lateMy purse was stolen in late XXXX early XXXX. My credit cards, debit cards, checkbooks and cash were stolen. I had to all my accounts changed over to new accounts. The old accounts were frozen and left open by the bank as they investigate before providing the refund for the unauthorized charges. My credit monitoring company alerted me on XX/XX/XXXX that I missed a payment to Discover loans on XX/XX/XXXX. I immediately called Discover loans explained the situation to them and made the payment which was 9 days late. I am still waiting for the unauthorized charges to be restored to my accounts. Discover loans alerted me that my Discover credit card ( which was not late at the time ) was suspended due to non payment of my Discover loan. Discover loans said once I paid the loan it should lift the suspension and assured me the card was not closed. I called the corporate offices to open a case and explain what happened because I need that card available because it is my oldest card and has a high limit. I have not used this card since before the pandemic. The corporate office was supposed to respond within 48 hours. They did not. I have not had a late pay on either of these accounts which were both on auto pay. These auto pay accounts were affected by the robbery. 
The suspension was never lifted once the payment was made to the Discover loan. They are now saying they must review my entire credit file in XXXX. They said originally it was just the Discover loan late payment but now its something else. This seems like unfair business practices. This is no fault of my own I was a victim of theft and offered to provide them proof from the detective handling my case. I have had this Discover card for over 20 years. This just does not seem fair nor is it what I was told. I did what I was told to do. Discover is manipulating the circumstances where I have already been victimized. My Discover loan payment was ONLY missed because of the theft and the auto pay was affected by the account being frozen before the new account was issued.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX IN all occurring on XX/XX/2018. 

Subsequently I was contacted by Big Picture Loans on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have stated this before for the nth time that these items below are not mine. The mere fact that you guys there at Transunion are ignoring my complaints all the time makes my head spin. I dont know what to do anymore. I already talked to the furnisher and they agreed to not report the account on my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... Please delete the account listed below : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several Hard Inquiries that I don't recognize, they are fraudulent, without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXI Important dates Inquiry date XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I sent XXXX separate transactions of {$300.00} each to an individual through Zelle purchasing a video game system. He had already provided a tracking number and said the gaming system was overnighted and would arrive the next day. After I sent the first {$300.00}, he claimed he did not get it and that there must be something wrong with my bank. So having never used Zelle, I unknowingly sent the {$300.00} again. The next day both amounts had posted to my account. I then found out that this person had sent a counterfeit tracking number. He kept calling asking me to send more money and assured me that the zelle amounts had been refunded but they still have not.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im refused for everything its not me!
Product: Credit reporting or other personal consumer reports

I am very dissatisfied with XXXX and transition with their lack of attentiveness to dissolve the unauthorized hard inquiries on my report. I typically monitor my XXXX, and come to find out all this unauthorized hard inquiries and even expired inquiries are still reflected on my report. This is a terrible service and this has hurt my credibility to lenders. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

HARD INQUIRIES AS REPORTED ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


HARD INQUIRIES AS REPORTED ON TRANSUNION : XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

These hard inquiries are a violation of my privacy and outdated. This is a violation of my FAIR CREDIT REPORTING ACT. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/year> there were XXXX transactions {$80.00} to XXXX XXXX while only XXXX of them was to post. Discover finds the charge valid, even after submitting the statement for XXXX ; showing the refund on their end, but never posted to the Discover account. {$80.00} needs to be credited to the account to make it correct.
Product: Mortgage

This complaint serves as a formal notice/request and follow up to fax sent on XXXX to your office to remove past due amounts/fees charged to our account Our account had mis-applied monthly payments by both XXXX XXXX XXXX and Specialized Loan Servicing which were resolved in XX/XX/2021. XXXX XXXX XXXX communicated the corrections and your letter dated XXXX stated the resolution as of XX/XX/2021 to waive all errors arising from the mis-application. However, our current monthly statement as of XX/XX/2021 continues to show an invalid past due amount due amount of XXXX. Our account is current and all monthly payments were made on time. 

Attached is a copy of your resolution letter dated XXXX and statements from XX/XX/2021 to XX/XX/2021 showing the invalid past due balance. Please make the necessary corrections. Thank you.
Product: Credit reporting or other personal consumer reports

PLEASE KINDLY CHECK THE DOCUMENTS I'VE SENT. I SAW MY CREDIT REPORT THIS XXXX  BUT I'M STILL DISAPPOINTED WITH IT BECAUSE THE INACCURATE ACCOUNTS ARE STILL THERE.
Product: Debt collection

My son was seeing a XXXX at XXXX XXXX in XXXX. On XX/XX/XXXX I had received a statement saying I owed {$570.00}. On XX/XX/XXXX I had faxed XXXX a copy of my insurance card with a note saying I thought they were billing the incorrect insurance company. On XX/XX/XXXX I received another statement so I called on XX/XX/XXXX and spoke with a gentleman in the billing department. He said he did get the insurance card, to not pay the bill and he will bill the correct insurance company. I then on XX/XX/XXXX, receive a letter from a lawyer that XXXX is making me pay the full {$570.00} plus late fees. I called my insurance company asking about the claims. XXXX at XXXX XXXX XXXX XXXX stated that XXXX did not file the claims until XX/XX/XXXX, it was passed the allowed allotted time therefore they were denying the claims. She also said I had a right to file an appeal on the claims. I also had sent a letter to the lawyers office disputing the charges. On XX/XX/XXXX I received a notice from the court that I will have to appear in court for the charges. I called my insurance company about the appeals and they stated that since it was passed the date they are upholding their original decision. I think it is XXXX XXXX that I did what I could to get him to send the information into my insurance. If he had the information on XX/XX/XXXX why did he not bill the insurance company until XX/XX/XXXX? I am being forced to pay all of the amount and late fees because he didn't do his job. This is not the first time I have had trouble with their billing department. I am not getting in resolve from them or the lawyer Jeffrey Lankenau in XXXX Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This reported previously. After inquiring on line from a different company I continued to receive calls from XXXX XXXX and XXXX XXXX XXXX XXXX Co. Even though they were advised I was not interested they went ahead and puled credit anyway. Unauthorized access to my credit file resulted in their rejection of insurance which I DID NOT SEEK AND INFORMED THEM TO CEASE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting charge off every month which is really affecting my credit score. This has been occurring ever since XXXX. My rights have been violated due inaccuracy on my credit report. I am entitled to an accurate credit reports this creditor has violated my rights as a consumer. I would like this account deleted immediately. You cant report a charge off each month.
Product: Credit reporting or other personal consumer reports

I am unaware of this account by the name XXXX XXXX XXXX XXXX XXXX  XXXX. Please validate this information with the creditors and provide me with any documentation associated with these accounts. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful records of your actions.
Product: Debt collection

Received a call on X/XX/17 from " Private Caller '' - it was XXXX XXXX with XXXX XXXX XXXX XXXX stating that she was set to issue legal papers to me and my husband unless I call the complaining company. The company name is XXXX XXXX XXXX, XXXX. I called and spoke to someone who stated I have an outstanding debt with a payday loan company ( can not recall the company name ) and if I do n't pay them, they will take me and my husband to court ( they have been calling him too since they state that Texas is a community property state so my debts are his debts ). I asked them not to call me or my husband again - she yelled at me and hung up. I called back to speak to a manager and he proceeded to yell at me as well. I told him not to call and he said he can call whoever he wants to call so I hung up. I have received messages from XXXX XXXX again on X/X/17 and X/X/17.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>