23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

my identity was stolen and i fought hard to get my life back now i have inquiries that i did not authorize!

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization advantage credit XX/XX/year> 2024
Product: Debt collection

This company closed my account and then re-opened it up without written consent I was not notified they opened the account back up I have proof the account has been closed and no written notice was sent to me. 
I have been disputing this company regarding the debt for months. I have asked them to validate and verify my debt. 
Perhaps thats why this has happened. 
But its a direct violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I called theTransUnion and XXXX after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the TransUnion and XXXX last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX  XXXX Balance Owed : {$12000.00} will be investigated and updated on my credit file.
Product: Debt collection

I spoke with XXXX from their office regarding Acct # XXXX - {$230.00}. I paid the bill in full confirmation # XXXX on XXXX XXXX, 2016 and XXXX agreed to have the account status be updated immediately with an account deletion from my credit report. Account is still listed as open and unpaid on my credit profile. I have contacted them numerous times via calls and email and letters.
Product: Mortgage

Fay Servings reported that I was 30 days late which in fact I wasn't
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail was sent in XX/XX/2022 to all three credit bureaus disputing inaccuracies and incomplete information on my credit profile. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) if the FCRA- all information that is inaccurate, incomplete, unverified should he promptly deleted. These changes have not been reflected on my credit profile.

It is also my understanding that Under the FCRA 15 U.S.C 1681- every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect and or unverified of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : FORD MOTOR CREDIT COMP XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against KeyBank NA for failing to provide me with the opportunity to opt out before sharing my personally identifiable financial information with third parties, including financial institutions and consumer reporting agencies. This action violates my rights under the Gramm-Leach-Bliley Act ( GLBA ) and XXXX  XXXX XXXXs privacy laws , particularly the New Jersey Identity Theft Prevention Act. I previously disputed this issue with KeyBank NA last month, but they have taken no action to stop the unauthorized sharing of my information or to address my opt-out request. 

When I informed KeyBank NA that I did not consent to this data sharing, they cited their Privacy Policy as justification. However, their policy is inconsistent with GLBA and XXXX XXXX laws, which require companies to give consumers the choice to opt out of third-party information sharing. KeyBank NAs ongoing sharing of my private financial information without consent effectively amounts to identity theft and is a breach of both my privacy rights and federal and state protections. 

I am requesting the CFPB 's assistance to enforce compliance with the GLBA and relevant XXXX XXXX  privacy laws to ensure that KeyBank NA ceases sharing my information with third parties without my explicit permission.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Product: Credit card or prepaid card

I purchased a net spend card this morning and placed all the cash that I had left on the card to pay for a hotel room since I was driving for several hours and didn't feel it was safe for me to be on the road. I called to activate the card and was told I wasn't eligible to use it due to past accounts, I have never had a net spend card I also I filed identity theft through the FTC over a year ago nothing from this company has ever been brought to my attention. They said that there was no way to transfer or give me back my money I had to wait for a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian re aged an account on my credit report illegally and I want it removed asap XXXX XXXX re aged my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have known transunion to stand for a reporting company that prides themselves in making sure all information are accurate and lawful. I have reached out to them pertaining to several derogatory unauthorized, Unknown inquiries fraudulent. They refuse to delete them. I asked for validation as well as proof f investigation methods used. Per Fcra they never did. The in quiries are on the same day same time. Indicating fraud. I contacted the companies they have no data or knwledge. 
XXXX XX/XX/XXXX COA XX/XX/XXXX THey have no ppermissible purpse to have my social security # and run it. The privacy act FDCPA. 
I also asked them prove a new deragatory account i have no idea who XXXX and XXXX IS they have no idea who iam either. I contacted them and they do not have me in their system by name or birthday address social nothing. However transunion allowed them to put a medical bill for over $ XXXX on my credit report. They obviously gave me no due process as allowed by law. I never had a chance to defend myself in 30 days. Please transunion send me proof.this is alloted by the FCRA AND all the laws that govern you. I need all methods used in your investigation i need a contract with my wet ink signature. Transunion does not have address of furnisher or the phone number which is required that way the Man/woman can have a way of contacting the so called collector. It's incomplete, i had to investigate. The customer rep said they would delete but they do not have me ib their system. Call transunion to get it deleted. They even appologised. None of my other credit reports have XXXX AND XXXX, XXXX, OR XXXX. I have fraud alert police report on file. Therefore they followed the law. Transunion seems to be having issues following suite XXXX All credit reports should be uniformed because they get their information from the same place. XXXX, XXXX already fixed these issues. Why are you not? This is hurting my life. Its stopping me from buying my dream home for my family in this pandemic. Transunion just placed back a fraud alert on my report when it should have been on there since i submitted the police report in XXXX. Transunion is not keeping up with customer request and truth because they outsource the work overseas and the people dont know the law, and eoscar is not savy like sensible human beings to understand FRAUD and Violations. Transunion is in violations of my FCRA CCPA FDCPA. PLEASE FIX THIS AND SEND ME NEW CREDIT REPORT TO REFLECT CHANGES. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.
Product: Debt collection

I purchased 2 XXXX dirt bikes using the XXXX credit card a line of credit provided by HSBC. I got behind on payments and HSBC sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX 2011 stating she was with XXXX XXXX XXXX XXXX and was collecting on the HSBC debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as HSBC ( found out later ). I then realized that not only was the debt not settled but XXXX XXXX XXXX sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by HSBC who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. HSBC has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.
Product: Credit card or prepaid card

Greetings, I received a letter dated XX/XX/2020 that my JCPenny Credit Card issued by Synchrony Bank was being closed. I do not understand why it was closed. I realize that accounts can be closed for any reason or no reason at all. However, I received a letter that claimed that activity on my account with Synchrony Bank was indicative of high risk of failure to pay. 

This is simply not true as I have maintained an excellent payment and credit history. I called in and spoke to a telephone representative who did not provide good customer service and arrogantly told me to reapply if I wanted the card. 

I believe that I am a victim of XXXX and XXXX discrimination and redlining. While XXXX may be a low-income area, I am not in financial distress and have been a great customer. There is no high risk of failure to pay and this was an excuse given to cover their fraudulent tracks. 

Thank you for your valuable time and anticipated assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. The fraudster has identifying information that allows her access to my credit reports with all three credit agencies. I have repeatedly attempted to put credit freezes with all three credit agencies, but the fraudster is able to lift the credit freezes. All three credit agencies have incorrect former addresses and phone numbers ; incorrect emails ; incorrect employer ; and XXXX has a security question ( Mother 's city of birth ) established by the fraudster. 

The problem is particularly acute with XXXX. We have attempted to shut down our XXXX account and open a new one with new credentials, but XXXX has not allowed us to do this. It is almost impossible to contact a live representative and they have told us we have to wait but have not informed us of when and if they take action. Meanwhile, the account remains compromised. 

In mid-XXXX we shut down online accounts with XXXX and Transunion and opened new ones. But the fraudster has already somehow changed the username, email and passwords on those accounts. We believe the gateway for doing this is through XXXX. 

Recently the fraudsters have lifted the credit freezes to open credit card accounts with XXXX XXXX and XXXX. Both companies alerted us and those accounts have been closed.
Product: Debt collection

I work hard to preserve my credit score, and I recently learned on my credit report that I owed money for a payday loan. But, the company will not validate my initial transaction and will not provide me with any other information on the loan ; they only want my money. They refuse to produce loan documentation. They notify a credit bureau about the loan. I know I don't have any other loan beside my mortgage
Product: Mortgage

I have been trying to get current on my mortgage ( serviced by Seterus ) but the arrears became seemingly insurmountable. I was advised by the Seterus customer service team to apply for a loan modification to mitigate the potential loss and retain my home. I was not offered any other options. While the loan was under review for the loan modification, it was also scheduled for auction ( " double-tracking '' ). 

I was notified by the customer service rep I spoke to on Friday, XXXX XXXX that my loan modification was denied. To date, I have received nothing in writing stating the denial. ( It is only because I have called Seterus daily that I have any insight as to the status of the review for a loan modification at all. ) At no point was I ever given the opportunity to explore all loss mitigation options beyond the loan modification. Seterus never advised me of all my options to avoid foreclosure. 

With the auction date set at XXXX XXXX, and never having even been given the opportunity to explore any loss mitigation options other than the loan modification, I spoke to and emailed a loss mitigation manager to request a 60-day postponement to the auction. This will allow me the time I need for a short sale to mitigate the loss. I have a listing agent who is willing, ready, and able to put my home on the market and execute the sale in a timely manner so my family and I don't face foreclosure. The loss mitigation manager said it was " unlikely '' the auction would be rescheduled. 

I would like to fully exercise any options available to me to avoid foreclosure and feel I haven't been given the information or time that I need in order to do that -- having just found out about the denial of the loan mod just 8 business days before the auction date of XX/XX/XXXX.

Can you please assist in this matter? I would like to explore my  options and take steps quickly for the short sale. Seterus has not been forthcoming with important information that could potentially prevent the loss of my home to foreclosure. I request an additional 60 days for the opportunity to appropriately explore loss mitigation options. 

I appreciate any assistance you can offer. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Beginning XX/XX/XXXX, PNC Bank charged me fees of {$36.00} eight times and ending XX/XX/XXXX. The overdraw fees total {$280.00} I asked PNC consultant to return at least half of fees. She put in application for fee to be returned and was told because of my credit history the bank will not return any of the fees.
Product: Checking or savings account

Fifth third bank has allowed numerous amounts of money to be taken from my account I can send screen shots of my account summary where it shows alot of different dates and amounts of withdrawls I never did. The bank isnt trying to resolve the issue. Some where cashiers checks some where atm withdrawals
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. I requested that XXXX XXXX, Transunion as well as XXXX to re-investigate the attached accounts. However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, I requested original signature of all accounts as I do not recognize. These accounts are clearly in violation as they show past due amounts and is inaccurate.
Product: Credit reporting or other personal consumer reports

I was the victim of fraud by my sister. She has taken my identity, created fake ids, addresses and information. I have been in and out XXXX XXXX XXXX XXXX XXXX XXXXXXXX so I did not have a grasp on the situation and all of the true identity theft. I have prosecuted my sister and won the judgement to have the debts removed but yet they still remain. I have contacted all of the credit bureaus and provided the judgement inwhich they said they had it blocked and then unblocked due to the company submitting information but this information was never sent to me. The judge said if I had anymore trouble to submit but I have not been sent information from these companies inwhich I will list below. Also I have been at my address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for over 3 years and all other addresses are due to fraud that my sister has created fake ids and information on. 

I have contacted XXXX, equifax, and XXXX on the following addresses that they refuse to delete : Addresses that are not mine are XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX and or XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

I have contacted XXXX, equifax, and XXXX on the following accounts that they refuse to delete : XXXX XXXX opened XX/XX/2022 ( XXXX, Equifax ) XXXX ( XXXX, Equifax ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Equifax )
Product: Credit card

I am a victim of fraud by Wells Fargo Bank. My account ending in XXXX was supposed to be a Saving account and then it was turned to a credit card. The representative told me that it would be treated as a Saving Account. Instead I received a Master Card in the mail with a 15 percent APR. After reviewing the recent scandal with accounts, I am too a victim of fraud. My APR is now 25 percent and this is not what I initially was informed my {$5000.00} would be used for. I would like to be included in any lawsuit pending against Wells Fargo and I have closed this account. Additionally, Wells Fargo reps have violated Fair Credit and Reporting Law by negatively reporting this account late even though I disputed the debt. Additionally, they continued to contact me after I repeatedly told them not to contact me by telephone after reps were rude and disrespectful. I want this account off my credit report.