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

Back in 2021 I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX XXXX. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : 1. Inquiry by [ XXXX XXXX ] on [ XXXX XXXX, XXXX  ] 2. Inquiry by [ XXXX XXXX XXXX ] on [ XXXX XXXX, XXXX  ] 3. Inquiry by [ XXXX XXXX XXXX  ] on [ XXXX XXXX, XXXX  ] 4. Inquiry by [ XXXX XXXX NA ] on [ XX/XX/year> ] I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the unauthorized inquiries for your reference. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/22 I went to XXXX XXXX to inquire about a vehicle while they were partnered with a local credit union. I specifically asked the agent if they would " shotgun '' or run my credit numerous times, as is standard practice for people doing poor business, and it adversely affects credit. He informed me no, just once. I signed for them to run it, with the agreement that they'd run it ONCE, understandably with the credit union. He said they had been making deals with people credit scores that weren't so great. They ran my credit SIX times, without my consent, all with places unrelated to the credit union. The information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

1. XXXX ( Father ) came to GA with me to check out the XXXX XXXX XXXX  and agreed to move my Mother here to a facility called the XXXX XXXX XXXXXXXX. He also agreed this would be his new home in the assisted living portion of the facility. 
2. He wired the funds for entry and first month to the facility {$10000.00} @ the XXXX of XXXX. 
3. I signed the contract per his request and wire transfer of the funds ; I received the funds got a cashiers check from my account and paid the facility signed the contract. 
4. 7-10 days later he decided he changed his mind. His physician still had not responded to the form noting need for guardianshipconservatorship of him. Keep in mind the contract was signed. 
5. I spoke with XXXX XXXX ( nursing home on XXXX XXXX in XXXX ), and they told me I was free to get my mother with Medical POA as she already had an accepting facility. 
6. My sister and I came and got her on the XXXX of XXXX and she now resides at the XXXX XXXX XXXX. This was with confirmation from his physician that he was in need of guardianship/conservatorship ( I mailed you the official document XXXX ). Apparently the decision was shortly after I sent the form back in late XXXX. The physicians office actually called my sister at her work in Florida for us to send a notary to notarize the guardianship/conservatorship form. 
7. My Father then decided to file a fraud against the transaction he wired to my account to pay for the XXXX XXXX XXXXXXXX. My accounts are all frozen until the investigation between my bank ( Truist ) and XXXX XXXX XXXX XXXX is complete. The holidays delayed that as he filed around the XXXX XXXX of XXXX. Of course the facility already has the funds from the transaction. As you can imagine that has really messed things up for me, and has prevented me from even receiving my funds from work as my account is frozen. I had to open a new account with a new institution. 

I took all supporting documents into my local Truist branch. The branch manager at XXXX XXXX XXXX, XXXXXXXX GA  XXXX ( XXXX ) XXXX scanned my documents of proof including XXXX XXXX of my father and invoice from the assisted living facility ( XXXX XXXX XXXX XXXXXXXX ). Truist has a copy of the cashier 's check made to the exact amount of the wire transfer for the care of the man that filed the false fraud claim ( my stepfather ) and my mother. Despite all efforts and over 100 days passing, my account is still frozen. I have called no fewer than 20 times since the account was frozen on XXXX XXXX XXXX They claim it is in the hands of their corporate fraud division and there is no contact number for them. They have sent no corespondence to me as to when there will be a resolution although they told me it would be unfrozen within 90 days from the customer service side. Truist is refusing to release my funds with NO explanation. It doesn't take 4 months to determine the truth and they refuse to update me or tell me when I can remove my funds and close my account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple issues related to my credit report with the XXXX XXXX  credit bureaus : Experian, XXXX, and XXXX. Over the past several years, I have been impacted by multiple data breaches, and I am experiencing errors on my credit report, including unauthorized inquiries and addresses that I have never resided at. 
All three of the above credit bureaus are reporting a erroneous information erroneous addresses and have also allowed erroneous inquiries on my credit file. 
Below is a summary of the breaches that have compromised my personal information : XXXX. XXXX XXXX XXXX ( XXXX ) My Social Security number, birth date, and addresses were exposed. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Exposed my personal data from XXXX XXXX, including passport numbers, addresses, and payment information. 

XXXX. XXXX XXXX XXXX ( XXXX ) My account was part of the XXXX XXXX compromised, with personal details such as my phone number, email address, and more exposed. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) My personal data, including credit scores, credit limits, and Social Security numbers, was compromised. 

XXXX. XXXX XXXX XXXX ( XXXX ) Exposed my personal information, including my phone number and Social Security number. 

XXXX. XXXX XXXX XXXX ( XXXX ) My data was scraped, revealing personal information including my name, job title, and other professional details. 




In addition to these breaches, I have noticed unauthorized inquiries on my credit report and addresses listed where I have never lived. These errors may be the result of identity theft or fraud. Despite my attempts to resolve these issues with Experian, XXXX, and XXXX, I continue to face difficulties and have seen no satisfactory resolution. 

I respectfully request that the Consumer Financial Protection Bureau investigate my complaints and provide assistance in addressing these ongoing issues. Specifically, I seek guidance on how to correct the unauthorized inquiries and incorrect addresses on my credit report, as well as steps I can take to further protect my identity and personal information. 
Here is a list of specific information that I want removed from my credit reports. The information is either incorrect or erroneous or both. 
Inquiry by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address not mine : XXXX XXXX XXXX XXXX California XXXX XXXX not mine : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) Inquiry XXXX XXXX XXXX  ( XXXX XXXX Thank you for your attention to this matter. I look forward to your response and any assistance you can provide to help me resolve these issues. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My student loans have been forgiven. My loans were consolidated through Mohela. I received a letter from Mohela on XX/XX/2023 that my loans had been forgiven as part of the XXXX XXXX XXXX one-time account adjustment. The letter stated that the forgiveness was effective as of XX/XX/2023. 

It is now XX/XX/XXXX and my loans are still listed on my credit report as not being paid in full and/or closed. The full balance still shows with Mohela as the servicer. 

Mohela states that they update their information to credit bureaus every 30 days and that the adjustment to my credit report could take up to 90 days. It has been much longer than that. 

I attempted several times to speak with someone at Mohela to talk about this issue and was unsuccessful. 

The balance listed on my credit report with Mohela is {$42000.00}. It also says that Mohela last reported on this account on XX/XX/2023. The balance listed on my account on the Mohela website is {$0.00}. The balance listed on the Department of Education website for my account is {$0.00}.
Product: Credit card

someone used my card fraud to make cash. advance charges with capital one business card spark. I DID NOT make these charges. ands filed a police report. XXXX. capital one is not honoring their terms and conditions and trying to make me liable for the charges I DID NOT make. capital one is. unfair and stealing from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I stopped doing business with XXXX they claimed I still had some hardware that I never had ( TV boxes when I only had internet from them ). Since then they have been trying to collect {$320.00} from me which they reported to the credit agencies. I disputed the first report but they just withdrew it and re-filed it under a different collection agency. There now seems to be a pattern as it has been filed and withdrawn by at least 4 different collectors so far making it impossible to properly dispute.
Product: Debt collection

I received a letter on XX/XX/2022 from Payliance debt collector that it said a have to pay a debt from XXXX of XXXX XXXX I sent back a letter to explain that t debt was not mine, I did not make any transaction on XX/XX/2022, and I have my bank statement from this period to prove it. I was trying to contact the phone number that the letter provided but was disconnect. please, I need your help, because I believe I have been a victim of identify theft
Product: Debt collection

This company sent me a notification of a debt I reported years ago product of identity theft dont know how they obtain my address a sent me payment notification.
Product: Student loan

I am being charged interest through my servicer but not through student aid site. Servicer does not have accurate info regarding payment plans accounting for my new consolidation rate reflecting incorrect monthly payments
Product: Checking or savings account

I've requested proof funds were received by myself from a check fraudulently cashed in my name from Capital One, they provided info for the third party whom intercepted the check and cashed it, did not provide proof check was cashed by myself and funds received. This is a replacement check sent on or around XX/XX/XXXX, delivered to my address on XX/XX/XXXX while I was away on vacation. Another party intercepted the check, signed my name on it, deposited it to a XXXX XXXX XXXX. A XXXX XXXX provided info showing the account was at one time linked to my Capital One account, not when check was cashed which is what matters. Had the account been linked at time check was cashed by other party, that might show funds were received by myself, which they were in fact not. A funds transfer from XXXX XXXX to my account showing the amount would constitute proof of receipt of funds. However, account was not linked at that time and there is no transfer of funds. She also references a check deposited in the amount of XXXX from the XXXX XXXX account to my Capital One account, which has nothing at all to do with check cashed in my name and funds not received. That check, in the amount of XXXX, has nothing at all to do with check in question in the amount of XXXX. I will again reference my signature on file, a signature card was provided at time of account opening, this is my true signature and is not the one on check, Capital One/XXXX XXXX will not bother to check this as they know I was not at my address to receive, sign check, cash it. Needless to say, they have no proof at at. At this time I would request the name of the supervisor of XXXX XXXX, in order to speak with him or her about this matter and the fact she has failed to provide the physical mailing address to send notice of small claim suit to or provided evidence I received check, cashed it, received funds.. She continues to refer to a third party web-site address which handles such notices, that site did not show a mailing address. She stated previously she would not reply to additional complaints and is again saying she might not reply ... .This goes to show her level of ignorance, I believe a reply is required by the CFPB which she should know ... In closing, she could avoid continual complaints if she wants to get check reissued. I am owed a total of XXXX by Capital One, they chose to stop payment on a prior check which was cashed by myself, the day before I left on XX/XX/XXXX..This is their error which they will not admit to
Product: Credit reporting or other personal consumer reports

Myself and my mother are fully XXXX Individuals ; that has been fighting Identity theft for over 6 years.

I have recently reviewed my Credit Reports from all 3 Credit Reporting Agencies, and was shocked to have learned that I have been a victim of identity theft. I found numerous accounts that are 3 Collection accounts that were found unverifiable, invalidated, and inaccurate, on my credit reports that were not opened by me ; as well as, multiple fraudulent incorrect usage of my Name.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S. Code. 1681e ( b ) and U.S. Code 1681 ( 5 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

I opened up a XXXX savings account with them and was given an interest rate and have noticed that the current rate is not compliant with the initial rate
Product: Credit card or prepaid card

I opened a XXXX XXXX  account a while ago that charged off. Since then the account was placed with Trak America a collection agency. The account was sent by them to XXXX XXXX XXXX. I have been trying for a week or so to reach them regarding the debt but they dont answer and they dont call back. I have brought this to the attention of Trak America 3 times and they have failed to tell me how to resolve if the debt is placed with a non communicative attorney. 



XXXX XXXX XXXX XXXX XXXX XXXX  They have conveniently removed the complaint tab from their site
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still showing old MEDICAL debt that was in collections. Four different accounts are still listed and each account is under {$500.00}. Per the new law, XX/XX/2023 this should be removed. Their DISPUTE department has been continually down and they are unable to address.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX, and the transactions listed were not conducted by me. The fraudulent activities include accounts with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I did not authorize or initiate any of these transactions, and I have taken steps to report the identity theft to the relevant authorities. Please investigate and take the necessary actions to resolve these unauthorized activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a capital one credit card since XXXX, and never was late in a payment nothing, anyways everyday I get offers from capital one in my email constantly over an over so I decided a few times to apply because they said they wont pull your credit report an it wont affect it, well they have pulled my report several times I have several inquiries from them and I have been trying to build my cre ch it up for a while now so then I also get declined on the offer n they pull my credit repirt!! They are not helping my credit but ruining it!! Also they have my credit score at XXXX on my online capital one acct. And I check my reports often and XXXX  is XXXX it went down a few points and XXXX  XXXX n that has gone down some n XXXX  is XXXX which should be going up more soon so how do they sit n say my score is XXXX it's ridiculous and causing my credit report to drop becuz of the inquiries that they arnt supposed to pull they lie n lie n continously offers over n over so I'm really XXXX off they sit and lie to people and I want those inquiries off my report!!
Product: Credit reporting

Dear Sir, lady XX/XX/XXXX my score with Experian was XXXX. 
XX/XX/XXXX Experian lower my score XXXX points to XXXX for no reason whatsoever without an explanation. 
I expected my score to be raised since I have no outstanding debts, no late payments, no inquiries since XX/XX/XXXX and just paid back in full to XXXX card the {$1900.00} used to buy airline ticket to the XX/XX/XXXX Holidays with my family in XXXX. 
My score with XXXX is XXXX as of XX/XX/XXXX. 
I want file a complaint against Experian Regards, XXXX XXXX Last XXXX digits of my Social Security : XXXX
Product: Credit card

I made a purchase from Macy 's in XXXX. I was pressured into applying for an instant credit promotion when I tried to pay with my debit card. I left with the items and did n't give it another thought. When I received no card or bill from them I assumed I had been denied and that it had been charged to my debit card. On XXXX XXXX, I got an overnight letter which appeared to be from Macy 's, but when I called the next day I discovered it was actually from a collection agency. The amount was more than doubled due to late fees and interest. I have contacted Macy 's and the collection agencies multiple times by phone and mail, expressing my willingness to pay the original amount but not the additional charges, as they would not apply had they contacted me in a timely manner. In addition to my mailing address, they have my phone and email information. I 've written Macy 's billing dispute office and received a package containing copies of past statements. This is the first direct communication from them, and I only learned the account number in question today, I have yet to receive the card these statements arise from. Obviously, Macy 's will have no evidence they ever sent it or that it was ever activated. As previously indicated, I have expressed my willingness to remit payment for the original amount, provided they waive additional charges and remove detrimental information from my credit report. This has not only caused me emotional distress, but financial harm as well since I am now being charged the top interest rate on another card because my rating has dropped XXXX points due to their actions. I remain hopeful this matter can be resolved without litigation. I appreciate anything you can do to help and thank you for your consideration. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan These is a closed account yet it reports charge off every month since XXXX XXXX to XXXX XXXX then it stops reporting on XXXX. 


These account shows charge off since XXXX XXXX to XX/XX/XXXX then on XX/XX/XXXX a payment was made then a another charge off on XXXX to XX/XX/XXXX on equifax These account shows no payment history after the charge off on XXXX XXXX. 

why are these reports all different if its been reported from the same creditor.