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

I hope this message finds you well. I am writing to bring to your attention a critical issue regarding my credit file. 

Upon reviewing my credit report, I have discovered several items that appear to be fraudulent. These entries are inaccurate and do not reflect any legitimate financial activity on my part. It is evident that my identity has been compromised, leading to these unauthorized entries on my credit file. 

I am deeply concerned about the potential implications of these fraudulent items on my creditworthiness and financial reputation. Therefore, I urgently request your assistance in promptly removing these fraudulent entries from my credit file. 

Additionally, I would appreciate any guidance or support you can offer to help me navigate this challenging situation and protect my financial interests. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; 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 Balance : {$570.00} ; XXXX XXXX
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX  {$7800.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : Midland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. 
XX/XX/2020 XXXX XXXX Visa {$1400.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXXdland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Again, afraid to feed into a scam. 
XX/XX/2020 XXXX XXXX XXXX {$7800.00} repeated. 
Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.
Product: Payday loan, title loan, or personal loan

I received a Personal Loan that ultimately was Constructive fraud. The loan was suppose to be placed into my checking account and I would pay off the credit cards that I choose called peer to peer. But instead Schools First Federal Credit Union made it a Credit Card Rewrite Loan forcing paying off the cards themselves. They misrepresented the loan they gave me in writing. I got loan 81 XX/XX/2018. 
. They also were lying stating that they only do loans up to 48 months when they do them for up to 60 months. 
I have XXXX XXXX which was for {$6800.00} with interest is {$7900.00} at 7.45 %. My loan documents say nothing about a Credit Card Rewrite loan. I paid it down to {$5400.00} so far. The loan documents are not accurate do to the CONSTRUCTIVE FRAUD. I always pay. Never late! 
I was also offered Overdraft Protection on my checking account with them which I was told was not a line of credit. However, if I had insufficient funds it had a 3 % fee which does not affect the credit score. And I was  also told the bank does not send out disclosure notices on it. When I finally used it several months later, my statement showed a 12.90 % rate for the {$1300.00}. I called and asked several times for the disclosure notice to be mailed but it was never mailed. 
Another bank I do business with sent me a disclosure notice on their Overdraft Protection today. It is not a line of credit. The overdraft protection above turned out to be a line of credit from SFFCU. CONSTRUCTIVE FRAUD AGAIN. Again, I was not accurately informed again. It was not for insufficient funds. 
Also, I was offered a line of credit at 8.49 % elsewhere at {$5000.00} at the same time as the {$1300.00}. XXXX offer. Why would I take {$1300.00} at 12.90 %? This is Constructive Fraud or IMPLIED DUTY OF GOOD FAITH TODAY SFFCU offered me {$20.00} to correct the interest of {$6.00} on the overdraft protection with new loan options which will r hi n my credot score. However, the issue is they gave me a loan lying about what it really was and deceived me on loan 81 also. I would not have taken it. I will need an email or fax to send documents.
Product: Credit reporting or other personal consumer reports

I hope you're well. Im reaching out because Ive discovered an account on my credit report that I know was opened without my consent and through fraudulent means. This was an unauthorized use of my identity, and Im demanding that it be removed from my credit report immediately.
Product: Debt collection

I have requested validation of the debt LVNV is attempting to collect, on numerous occasions but the company has failed to comply with my requests. Despite failing to comply with the validation clause of the FDCPA, LVNV is continuously reporting the unverified information to the credit bureaus. 

In my most recent attempt to acquire debt validation through the Consumer Financial Protection Bureau, LVNV submitted a " response '' however, the attachment was blank. I did inform the company their response was blank through the CFPB platform, however ; since there was no enforcement they did not resubmit the information. This is my second attempt through the Consumer Financial Protection Bureau and my fourth overall attempt to acquire validation of the debt. 

At this stage failure to provide validation of the debt or to stop attempting to collect on this debt will result in legal action. I am the XXXX and the invalid information you are willfully reporting is hindering my ability to acquire the financing necessary for me to earn a living. The current deal that your invalid information is interfering with will net me {$2100.00} per week. If this information is not validated and you continue to report it to any of the credit bureaus I will seek actual damages of lost earnings, statutory damages for your violations of the FDCPA, and recoupment of any and all legal fees acquired to enforce the law. 

While I am currently not receiving the assistance of an attorney, I assure you I do have the time, the economic means, and the grounds to pursue this legally.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : VA XXXX XXXX XXXX XXXX, ACCT # XXXX. Account name : XXXX ACCT # XXXX, Account name : XXXX ACCT XXXX XXXX, Account name : XXXX XXXX KS XXXX ACCT XXXX XXXX, Account name : XXXX XXXX XXXX, ACCT XXXX XXXX, Account name XXXX XXXX XXXX XXXX, ACCT XXXX XXXX, Account name : XXXX XXXX XXXX ACCT # UNKNOWN has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$5000.00}, {$5000.00}, {$1500.00}, {$1000.00}, {$4200.00}, {$0.00}, {$3800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 6. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

7. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.
Product: Debt collection

This has been an ongoing issue with Synchrony bank. 
1. They overcharged me in interest.

2. They told me they would correct this., they did NOT.

3. The original products were defective.

4.They told me they would discount the product. They didnt.

5. Now theyre trying to ruin my credit on something that should have been resolved months ago.

6. I emailed them an offer to just settle the account and be done with it. No response.

So now Im sitting here with sub par products that were overpriced to begin with and never worked properly. Theyre also trying to ruin my credit.

Needless to say I will NEVER do business with them again and I was a good customer of theirs until this happened and I had to file several complaints without satisfaction. 
Im fighting a XXXX XXXX  and dont need this XXXX. 
Not only was I receiving harassing phone calls from synchrony now Im getting calls from their partners in crime collection agency as seen in the attached screenshot. There seems to be multiple accounts. I have no idea why.
Product: Debt collection

Re : NAVY FEDERAL CREDIT - XXXX Date opened XX/XX/year> Balance : {$9000.00} I am writing to formally dispute the account referenced above, which has been reported as a charged-off account on my credit report. I believe this account was opened fraudulently, and I am requesting an immediate investigation into the matter. 

I have never authorized or initiated any transactions related to this account, and I believe my personal information was compromised. I kindly ask that you conduct a full investigation into this matter, and if you determine the account was indeed opened fraudulently, please take the following actions : Remove any negative marks related to this account from my credit report. 
Ensure that the account is marked as " fraudulent '' or " account closed due to fraud. '' Provide me with written confirmation that this account has been cleared.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX New inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

This all alone do not belong to me Im a victim of identity theft
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXviolated 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 a account without my written instructions. 
Also this collection was Removed/Deleted from my account XXXX. XXXX, XXXX because I was a victim of the XXXX pandemic earlier during the time so I was jobless and homeless
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate collection accounts to my credit report. I have disputed the company XXXX XXXX XXXX XXXX multiple times over the phone and through the Equifax website and the information still remains on my report. After constantly disputing the 3 accounts that are being reported under this companys name, each account is now reporting twice! I disputed all 6 accounts once more and Equifax said that all of the information was verified which is impossible because the accounts are not only reporting double times but they are also inaccurate. I requested information from the company itself and they did not validate the debt that is stated on my credit report. My score is being effected and Equifax wont properly investigate this issue. The representative that I spoke with said that he could clearly see the doubles accounts but he was unable to take them off. No other CRA is reporting this company. I am demanding for it to be removed from my credit report and for myself to be made whole.
Product: Debt collection

This company purchased the debt from another debt collector who purchased it from XXXX in XXXX .... The company held onto the debt with out any notification until XX/XX/XXXX and then tells me I owe them interest ..... This is a scam. 

They should have provided immediate notification of buying the debt and pursuing charges. Instead they banked up and insane amount of interest and wait until the last 50 days before their final collection debt to attempt to collect it. 

I called the company and the Spanish lady was very arrogant and lippy. I explained the debt had been settled and they still advocating that I owe. She proceeded to over talk and use profanity in XXXX and hang up on me nearly 7 times when I called back trying to resolve this matter. Finally I got some English speaking guy explained it all and he is sending me some of the documentation. 

I feel a complaint needs to be longstanding against this company for the corrupt practice of harboring the debt allowing the interest to cascade and their license to operate in the state of Idaho revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Transunion that the Alabama XXXX XXXX Account do not belong to me. I have had a difficult time trying to get Transunion to remove this inaccurate or fraud item from my credit file. Please assist me in getting this account removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had late payment reported for my XXXX  XXXX credicard in XX/XX/2020 which i wasn't using since XXXX or XXXX XXXX but still there was around {$2.00} due and made payment since i didn't want my credit to be affected due to this very small unrecognized charges and later i have disputed this transaction with credit card company. Same thing happened with XXXX  XXXX card that i used to have in year XXXX and then i ended up closing the account due to the similar issue. even though i am not using XXXX  XXXX credit card since XXXX  2020, it again had fraudulent charges after XXXX for XXXX purchases which i disputed again and again i ended up paying for these fraudulent charges to XXXX with different credit card to restart my XXXX XXXX XXXX since XXXX have locked my account due to non payment for these fraudulent charges after i disputed transaction with XXXX XXXX. this time again i paid for 3 transaction which we didn't recognize to XXXX and on top it hurt my credit so badly. 
if you see my entire credit history, i have 3-4 late payment as negative entry on my history and all of them are with XXXX  XXXX. so somehow i feel my identity or something is leaked and hacked through XXXX  XXXX which have affected my credit badly multiple times. 
and last two time in year 2020 i was promised by XXXX  XXXX representative that they will provide all necessary information to credit beuros to remove late payment information from my credit. but they didn't even do that job appropriately for proofi am attaching the {$2.00} payment that i made in XXXX for the due payment reported to Credit beuro in month of XX/XX/2020. 
my question to you, why would someone not bother to pay only {$2.00} which is reported as late payment when that someone have great history of paying bigger amount XXXX home mortgage, car loans, other credit cards, kids tution fees ) without missing any payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX, you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under XXXX XXXX. XXXX ( XXXX XXXX the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under XXXX XXXX. XXXX and XXXX. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I sent XXXX XXXX XXXX a 1099C Form for cancellation in the amount of {$210.00} for the Capital One Platinum Card that I have on XX/XX/2023. Capital One Bank has restricted the card and hasn't sent me any documentation explaining the reason. Also I haven't received copy B of the 1099-C Form from them showing that the form is processed. The amount of {$170.00} is showing what's owed on the account because the payment was due yesterday, and I made payment although I can not use the account. Why isn't the amount XXXX? Capital One Bank has the statement showing that I made the payment of {$210.00}. They were instructed to deposit it into my Treasury Direct Account. Capital One also is denying me credit now.
Product: Credit reporting or other personal consumer reports

I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary XXXX XXXX frustration.