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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX  ) to support my fraud claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Debt collection

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - they are reporting under two names with incorrect information on my XXXX, XXXX  & Equifax report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my Equifax report and on my XXXX report I see a company by the name of XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & XXXX received my request on XX/XX/2018 my current file number : XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there were two inquiries on my account. One was from XXXX and the other SoFi Lending Corp . Someone tried to open two credit cards in my name. XXXX denied the card and sent me a letter and upon calling them immediately removed the information from my credit report. SoFi Lending Corp - did not have my correct address ( I've lived here XXXX years ) and opened an account in my name anyway. Upon calling them they froze the account. I filed a police report. SoFi reported to XXXX that the information is accurate. This is the information on the XXXX website. The information is not accurate as two addresses were provided - XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. both in XXXX, Illinois. Again, I have NEVER lived at either of these addresses so the information is NOT accurate. Someone opened a card in my name. I want it removed. Additionally, when I called and spoke to XXXX XXXX, an investigator at SoFi Lending Corp, she sent me a letter overnight saying my " loan ''. There was no loan opened only a credit card. This company does not seem legitimate and she refuses to call me back anymore. Her direct number is XXXX. This is a shady company. They lied to XXXX. I opened a new dispute with XXXX. I mailed copies of both the police report and the SoFi letter because for some reason the XXXX website would not let me upload the documents so I mailed them via USPS mail. I need this removed. This was issued under false pretenses. I will call these people every day and hound them until the day they remove this. 

SOFI XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I RECENTLY LOOKED AT MY CREDIT REPORT AND NOTICED XXXX FRAUD ACCOUNTS LISTED ON MY CREDIT REPORT.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an offer for {$45.00} cashback when I signed up for a new XXXX XXXX XXXX account. On XX/XX/XXXX, after ensuring I activated the offer, I signed up for the new XXXX XXXX XXXX account. Since it's been more than XXXX billing cycles and I didn't receive a cashback, I contacted Discover. They told me I did not activate the offer, despite getting the message that I did activate the offer. 

I opened a complaint with XXXX this month. This time, Discover said I did activate the offer, but that I was renewing my membership rather than creating a new membership. I've never had a membership with XXXX XXXX XXXX, so I don't know how they can say that I was renewing a previously existing membership.
Product: Credit reporting or other personal consumer reports

Toyota Motor reported Late payment in XX/XX/year> when it was not late. Due to XXXX XXXX  my automatic draft did not cover because I was in XXXX  but made the payment within 4 days. It was not late. Also Toyota is showing no data for XXXX, XXXX and XXXX of XXXX  and they need to show on time because payments were on time I have proof as well as deferment signed by myself and them. THEY NEED TO PUT THE CORRECT DATA IN AS PAID ON TIME. Putting no data due to a deferment hurts my credit, they need to ADD PAID ON TIME FOR XXXX, XXXX AND XXXX, XXXX. I HAVE DOCUMENTATION AND IF YOU DO NOT REMOVE IT I WILL SEND THE SAME DOCUMENTATION THAT YOU HAVE SHOWING THIS. For the XX/XX/year>XXXX  REMOVE AND DELETE THE LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account from XXXX XXXX XXXX XXXX XXXX XXXX  for {$220.00} has been settle and paid. Credit Bureau will not move from credit report. 

Company information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am attempting to rollover a XXXX  to my new account from the Optum account I had with my previous employer. The new financial institution is requesting a voided check or a letter on letterhead to process the request. Optum Bank states they can not provide either.
Product: Credit card or prepaid card

I have been having a hard time getting disputes resolved with Capital One lately. I emailed the disputes but got no response, so now filing this. I filed with XXXX and Capital One said I didnt respond which I absolutely did a week prior. I have called them, emailed them and have got nowhere. There are 4 transaction rebills, 3 of which I got no notice on before they were rebilled to keep these open. I just called Capital One and they said that the letter for {$930.00} dispute was also for the {$59.00}, {$2200.00}, and {$220.00}! I have been a long time customer of Capital One! Since when do they not take the side of your customer and actually ask the merchant about it.I submitted more papers online for the {$930.00} + {$59.00} charge. With this covid, businesses have been closed, we can't get our money back. I filed papers online and by mail ( which is how Capital One wants it ) for {$2200.00}. That's why I charge things to my credit card to make it easier for fraud or disputes. Please look into these charges because am still disputing them and they should be taken off. I have got nothing that the merchants responded to on these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax inquiries : XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. Remove XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in July, I made an account for "Transunion" in an attempt to view my credit report for free. Credit report never delivered, and I was never able to access my account. Unauthorized charge of $XXXX.XXXX to my card on XXXX/XXXX/2019 from "TU*TRANSUNION". I'm not sure if I gave them my card info in the first place. Called number associated with charge, person on other end of the phone asked for my social security number, as well as other sensitive information. Did not continue, as I am not willing to give sensitive information to an unknown source. Ever since creating the account, my email has received a significant increase in spam from companies trying to sell me insurance and loans. I believe this spam is due to Transunion giving my info to other companies without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX  XX/XX/year> ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year>.
Product: Debt collection

Ive attempted to dispute this item SANTANDER numerous of times with XX/XX/XXXXasking them to verify this Debt. After over 60 days they still failed to show me how they verified this debt belongs to me. This is unfair to me and my children because this item is the only thing that's holding us back from closing on our home.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a concerning discrepancy in the reporting of my credit history by XXXX XXXX XXXX XXXX ( XXXX ) to Experian, one of the major credit reporting agencies. My account number with XXXX is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681, the legislative intent emphasizes the necessity for accurate and fair credit reporting to ensure consumers are not unfairly penalized. It is evident that XXXX 's reporting of a late payment on my car loan does not align with the accurate reporting on my XXXX account. 

Per subsection b4 of 15 U.S. Code 1666, which pertains to the correction of billing errors, XXXX is obligated to ensure the accuracy of the information it reports. The discrepancy in reporting the late payment contradicts the accurate information present on my other credit agency reports, indicating a potential error or misrepresentation by XXXX. 

Furthermore, in accordance with 15 U.S. Code 6802, XXXX is required to provide consumers with the option to opt out of certain information reporting, including late payments on credit reports. However, I was never provided with an opt-out form by XXXX, as mandated by subsection b of 15 U.S. Code 6802. This failure to provide an opt-out option infringes upon my rights as a consumer to control the dissemination of personal information and to operate fairly in commerce. 

The inaccurate reporting of this late payment has adversely affected my ability to engage in various financial transactions, including obtaining mortgages and extensions of credit lines. This discrepancy has caused significant distress and constraint for myself and my family, impeding our ability to participate fully and fairly in the economic marketplace. 

In light of these violations and the resulting adverse effects on my financial well-being, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX 's reporting. I also request that XXXX be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX- Synchrony bank- 1- This problem has been ongoing and never resolved even after multiple calls and CFPB complaints- read them and weep! Your agency does nothing! Complaint again! I never received a written reply from the company as to why they misinformed me and would not allow me to make payments., although, finally able to resolve making payments that letter and to date never came! 2- Their so called automated payment automatic answering still does NOT WORK even though they claim to be working on it. IN my opinion a scheme to make money off of late charges and charge higher interest for failure to make that payment on time. XXXX XXXX XXXX purchase Credit Plan 5  years no interest. I now owe late charges and fees again and the payment which was once resolved is NOW higher then they themselves provided! So, once again, when is your agency going to be who you claim to be a PROTECTION agency and assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/2019. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX in XXXX, OK. I financed through Ford Motor Credit for a 72 month term. At the time of the purchase XXXX had a promo running called XXXX XXXX XXXX XXXX XXXX which states that XXXX and XXXX vehicles were eligible to have no payment for the first 6 months. XXXX was going to make 3 payments on the customers behalf and the other 3 payments could be deferred. My sales person said that I would have to call Ford Motor Credit to get them to apply the promotion since they did not process it correctly at the dealership. I called them and the phone rep was able to move my first payment date 2 months but they still have yet to pay their 3 months worth of payment like it states they would do as part of the XXXX XXXX XXXX program. I recently inquired about this and they told me it was not part of my contract so they would not be paying the 3 payments.I feel like this was false advertising in order to get a sale. The promotion is still posted on their website https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Experian stated that the disputed account does not appear to be on my credit report, and I attached my most recent report to show that the account is there. I do not believe an investigation was done. I believe that Experian is sending generalized responses to every consumer that submit a complaint. I already submitted proof as to why the account is reporting wrong. I also reached out to the creditor, and they stated that they submitted an AUD so why is this still reporting as a collection in XXXX? Once again, I will provide the payment made in XXXX as well as my credit report showing the account Experian claims is not there. I am demanding that this collection status be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!
Product: Credit reporting or other personal consumer reports

I had auto insurance using this XXXX XXXX with no plm until my travel trailer was stolen. I then reported the theft. I got the paid out check from them for the loss. However, they charged me for auto and travel trailer of under {$300.00}, but they then realized they made a mistake assuming I still have the travel trailer. I did not have it aince XXXX, XXXX. They charged me miatakenly after I called them on why they charged me too high. They fixed it. And I allowed them to take my money using the auto pay system. However, they were going to charge me more than normal. I called last week why they are high. They said it is due to accident in XXXX, XXXX. But that was already counted on the previous policy. Inatead of keeping it same as before, they would charge me for under {$350.00} or more. The truck is only XXXX. The XXXX XXXX ripped me off big time. Plus they used my credit score or report without my permission. I wanted to purchase a life insurance and they rejected my application to get a life insurance. See their letter. Again, they are being cruel to me. The credit score changed for some reason. Also, the amounts of money they took from my bank were irregular. They did not take the same amount per month. They are not balancing right with my bank account and insurance policy. Very fishy. Equifax did have repeatedly used very, very, very old information on my credit record. They are probably racists setting me up to fail and keep me stuck in the level and would NOT let me cross XXXX. I see their credit repoets do not have XXXX apartments information that I had/have lived. No credit record was charged at all before and after living in apts and using utlities. No changes.
Product: Credit card or prepaid card

As I was closing my accounts for the year, I discovered funds missing from my Bank of America EDD account due to unauthorized transactions and transfers, so I filed XXXX claims on XX/XX/XXXX totaling appx {$5000.00} which is a significant amount of money to lose especially given I'm about to have a baby. It is now XX/XX/XXXX and Bank of America EDD Prepaid cardholder department refuses to abide by their prepaid cardholder agreement. No funds have been restored to my account nor has there been a decision made on whether or not they are to do so. I'm beginning to consider this a discrimination suit.
Product: Credit reporting or other personal consumer reports

It appears that 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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