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

Im submitting this complaint with the help of the CFPB today to inform both the CFPB and the Credit Reporting Agencies that I was a victim of identity theft. I have conducted a research on how to remove the fraudulent accounts as well as inforamtion in my report and found that I need to visit FEDERAL TRADE COMMISION oXXXX XXXX XXXX XXXX  to file a report and Per Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the deletion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} 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 identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my XXXX signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Debt collection

Portfolio Recovery Associates been trying to contact a person who shares my name for several months regarding a XXXX  XXXX  debt dating back to XX/XX/XXXX. I have written to them several times to tell them they have the wrong person. I have no XXXX  XXXX  credit card on my credit report, and have never had any XXXX  XXXX credit lines in my life. The person they are looking for has a different middle initial than mine, and the last four numbers of her SSN are different than mine, and I have never lived at the address listed on the credit card bills that PRA has sent to me. All of these things can be corroborated through my credit reports and other legal documentation. The only thing I have in common with the person who owes this debt is a first name and last name, and the fact that we both apparently live in Colorado.

Alleged Debt Amount: $XXXX
Billing Period on most recent Credit Card Bill: XX/XX/XXXX-XX/XX/XXXX
Dates of Recent Correspondence from PRA:XX/XX/XXXXXX/XX/XXXX; XX/XX/XXXX; XX/XX/XXXX

This complaint comes on the heels of a similar complaint regarding PRA which I submitted to CFPB in XX/XX/XXXX. That dispute was satisfactorily resolved when PRA wrote to tell me that it had closed out the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all XXXX credit bureaus ( XXXX, Equifax, XXXX ) for the past 6 months about inaccuracies on my credit report. All XXXX credit bureaus report that they have investigated or reinvestigated the accounts but they still report different things all XXXX credit reports. I am now wondering if the credit bureaus are really investigating or are they just sending my letters through a computer and giving me the same response back. I have found numerous inaccuracies and have reported them over & over again but nothing has yet to be done. I know by law that all XXXX credit bureaus are to report accurate information on my credit reports but yet they have all failed to do this and it is affecting my credit score. I don't want to keep getting the same response or sometimes or no response with the same inaccuracies. Are you really doing an investigation? I have asked for proof of the debt each of you stated you " verified '' but have yet to receive ANY PROOF. I have seen numerous complaints of lack of investigation & violations that the credit bureaus are not following.
Product: Credit reporting or other personal consumer reports

I was fully aware of being a victim of identity theft around XXXX of XXXX an until today i am having issues with reporting agencies removing this accounts from my credit report. I can never verify my identity any where. I am not able to do anything when it comes to credit. i have sent certified mail 3 times within the last years verifying my identify and other documentations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and XXXX XXXX  partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX XXXX. I am writing because I was just made aware that my account was sent to the various credit agencies as a delinquent account. I would like to dispute this ERROR. I would like to first state that I was not even aware my account was sold to Barclays and thought my XXXX  card was still with XXXX  and kept trying to login to pay MY {$6.00} BALANCE but could not because of the switch. I even tried to reset my password thinking maybe I had the wrong password and did not get a reset password email. I am a working mother of XXXX children and the easiest way for me to pay my bills is online. I had my XXXX  card set up for automatic payments back when I created my online account. When I saw that the {$6.00} was not being deducted from my bank account I decided to call customer support to make a payment over the phone. When I called I was made aware that my account was past due and that it was sent to the various credit agencies as a delinquent account. I have never been late or delinquent on my XXXX  account and have impeccable credit. I have worked very hard to get my credit where it is only to be ruined by a {$6.00} charge. I was never contacted that I was delinquent nor did I receive any courtesy calls about this. I ask that this be corrected immediately and that it is taken off my credit as soon as possible as it is unfair! I was told by the customer service representative that I should write a letter to some po box and just wait for a review whenever they get to it.Unfortunately that does not work for me. I will not be held hostage until they get to it and drag their feet in correcting this or for them not to correct it. After some research I have found many other customers have had the same issues and so I decided to contact the CFPB so that others do not become victims of these unfair criminal practices. 

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

What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile phone line opened at XXXX on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX with a balance of ( {$1000.00} ), a utility/internet account opened at XXXX XXXX on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX with XXXX XXXX XXXX ( {$340.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I NOTICED I HAD ACCOUNTS ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, I CONTACTED TRANSUNION AND ASKED FOR A CORRECTION AS THEY AND YOU CAN SEE, I HAVE A GREAT CREDIT SCORE. I AM A SINGLE MOM WHO WORKS AT A JOB WHERE I AM NOT ALLOWED TO HAVE ANY NEGATIVE REMARKS ON MY CREDIT. BECAUSE OF THIS, I KEEP MY BILLS PAID AND ON TIME. I REACHED OUT AND ASKED THEM TO INVESTIGATE THIS MATTER, AS I CANT LOSE MY JOB OVER THIS. THEY CLAIM THEY DID AND IT CAME BACK AS VERIFIED, AS I KNOW THIS CANT BE CORRECT AS THE ACCOUNTS, ALL HAVE DIFF AMOUNTS, OPEN DATES AND CLOSED DATES. 
THE XXXX XXXX XXXX  OPENED ON XX/XX/XXXX, XXXX XXXX  ( XXXX XXXX XXXX ) THEY SAY OPENED XX/XX/XXXX AND XXXX  XXXX XXXX  FROM XX/XX/XXXX ALL THREE OF THESE HAVE VIOLATED MY RIGHTS AS I HAVE STATED AND TRANSUNION NEGLECTED TO HELP ME OPEN A NEW DISPUTE FOR THIS, AT THIS TIME I AM EXERCISING MY RIGHTS AS MENTIONED ABOVE. 

IS NOT MINE AND THEY REFUSED TO PROPERLY INVESTIGATE THIS MATTER. I REACHED OUT TO THE BANK MYSELF AND HAVE A LETTER FROM THEM STATING I NEVER OPENED SAID ACCOUNT, PLUS THE LAW OF THE FCRA PROTECTS ME ANYWAY, 15 USC 1681A ( 2 ) ( I ) AND THE LAW PURSUANT TO 18USC 8, I OWE NO DEBT THEY ARE VIOLATING MY 15 USC 1681B RIGHTS AS I GIVE THEM NO PERMISSION TO EVEN REPORT ANYTHING ON MY FILE, MUCH LESS ANYTHING THATS NEGATIVE INFORMATION. PLEASE ASK THIS COMPANY TO RESPECT THE LAWS I HAVE STATED ABOVE.
Product: Debt collection

Its about improperly use of my credit reports XXXX XXXX XXXX XXXX keep saying they verify things that wasnt authorized by me nor give a written consent and I need them to be properly verified and removed
Product: Debt collection

On XX/XX/XXXX we received a demand for payment of a medical debt in the amount of {$1100.00} from Credit Bureau Systems Inc., XXXX XXXX XXXX XXXX KY XXXX. ( Hereafter CBS ) Copy of letter attached below. 
On XX/XX/XXXX we received a second demand for payment of a medical in the amount of {$1200.00} from the same company. Copy of letter attached below. 
On XX/XX/XXXX we responded with a letter of demand for verification of debt and authority to collect the debt per FDCPA guidelines. Copy of letter attached below. No proof of debt or authority to collect it was ever provided. 
On XX/XX/XXXX we received another letter of demand from CBS in the amount of {$1200.00} with notification that all credit reporting agencies had been notified.Copy of letter attached below. 
On XX/XX/XXXX we responded with another demand for verification which was never received. Copy of letter attached below. Many additional requests have been made to remove the collection notice from our credit record.The claim is listed as disputed on our credit report but CBS has refused to remove it to this day.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card

Account was over the limit. I contacted the company and explained I was having a hardship. The company confirmed that my account was open and active and made an agreement for me to make a payment of XXXX to bring the account below the balance and that they ( First Access ) would waive the late fees for both XXXX and XXXX. 

I made the payment as agreed. I attempted to use my card. The card was declined. I contacted First Access and the representative told me the account was closed since XXXX and they would not be able to reopen the account. 

First Access did not uphold their agreement. I am requesting that my account be reopened and funds be available to me.
Product: Checking or savings account

I went into the Wells Fargo on today on XXXX XXXX and XXXX XXXX in XXXX XXXX, Texas on today. I told the teller that I wanted to close my account. I had {$23.00} and some change in the account. She gave me the money and told me to call the 1800 # to close the account. I told her that the 1800 # told me to come into the branch and close the account. She told me to come back the next day to close my account because the banker would have to close the account and he was with a client.

I asked for the Manager. The Manager comes to close the account, but then she tells me that I would have to wait until tomorrow because the teller gave me all of my money out of the account. She wanted me to sign a form acknowledging that she did not close the account because of the pending transaction. I told her that I would be charged a fee on tomorrow because the account did not have any money in it. She told me that the account would automatically close when no money was in the account. She refused to close my account the correct way.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have spent the past 3 weeks contacting credit reporting agencies ( XXXX, XXXX and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold. 
Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by Fair Collections and Outsourcing. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I noticed that there are unauthorized inquiries on my account from XXXX and Transunion I have reached out to the company and still no response. 
XXXX is reporting the following accounts XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 
Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX mortgage. 
Thank you for assisting me during this time.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I have no clue how or why this has happened. I check my report regularly, and this time, there were unexplained discrepancies. I even refreshed the page, hoping it was a temporary glitch, but the problem persisted. Im desperately asking for the documents Ive submitted to be carefully reviewed to ensure I never have to face this problem again.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I came across an error on my credit reportan account that doesnt belong to me or contains incorrect information.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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 seven 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

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX  - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.