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

**Complaint to CFPB : Unauthorized Account and Fraudulent Activity** -- - I am writing to file a complaint regarding fraudulent activity involving XXXX and XXXX XXXX  XXXX These entities have fraudulently used my identity to open a makeup account without my authorization. I am a man and do not wear makeup, and I never authorized the opening of this account. 

I request that the inquiry related to this unauthorized account be removed immediately. 

This is not the first instance of such fraudulent activity ; this is the second time in a year that someone has attempted to open an unauthorized account in my name. 

I have forwarded this matter to my legal counsel for further advice and action. 

Please address this issue promptly to prevent further damage to my credit and identity. 

Thank you. 

-- - Please make sure to include all necessary personal information and documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - {$600.00}
Product: Debt collection

I have been paying XXXX XXXX XXXX billing faithfully every month since XX/XX/XXXX ( Bill received in XXXX with statement date of XX/XX/XXXX ). I was told in XXXX that my payments were too low ( $ XXXX/month ) so they were transferring my account to carepayment. XXXX sent me a bill on XX/XX/XXXX that was due on XX/XX/XXXX. I paid online, immediately. I logged in on XX/XX/XXXX to make my next payment and saw that my account had a negative balance and that my account was transferred back to XXXX. XXXX stated by account was recalled due to : XXXX. On XX/XX/XXXX, I received a notice from XXXX that my account was turned over to collections. I called XXXX billing on XX/XX/XXXX and was informed that my account would be sent for further inquiry and it could take up to 5 weeks to hear back from them. 
I called Credit Collection Services on XX/XX/XXXX and was informed my account was retracted by XXXX and I owed {$0.00}. I called XXXX billing to try to find out what was going on with my account and they said that it had been retracted from XXXX, but then resubmitted. I had made payments every month except for XXXX, because my account was not with XXXX at that time and transitioning to carepayment. When I called carepayment in mid-XXXX, they had not yet received my account information. As of XX/XX/XXXX, XXXX XXXX supervisor, XXXX, stated that I was back in collections. To avoid damage to my credit, I had no choice but to pay via credit card and will incur interest for having done so. I have or had 7 other medical bills and have only been able to pay so much per month as every entity requires monthly payment. I did not use my credit cards to pay all of my medical bills, because, first - I didn't have enough available credit and second - because of the interest I would accrue. Their collection methods are unethical. I paid in good faith and have not had an issue with any other medical entity that I've been paying regularly to. I felt strong-armed into paying with a credit card to avoid harm to my credit which is not the best to begin with. I've been working a long time to repair my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well.

Equifax has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax is refusing to delete this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX, Trensunion : XXXX   2.XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX  Trensunion : XXXX   3.XXXX XXXX XXXX  : XXXX XXXX : XXXX, Trensunion : XXXX   4. XXXX XXXX XXXX XXXX  Trensunion : XXXX 5. XXXX XXXX XXXX : XXXX, XXXX  : XXXX Trensunion : XXXX
Product: Credit card

My 5/3 credit card was stolen and it now has a $ XXXX balance. I 've contacted Fifth Third several times and they ignore me. I am not going to pay for this, as I 've already told them that these charges were not made by me. They send me letters and call me constantly and I always tell them the same - I am NOT paying for transactions I DID NOT MAKE. If they do n't remove these charges and stop the harassment, I will take legal action.
Product: Debt collection

The date of service that was given to me was XX/XX/XXXX. It was a medical bill from XXXX XXXX XXXX for XXXX XXXX. Who was an adult ( age XXXX ) at the time sge was seen in ER. I did not sign any financial responsibility or anything. Now I have this company ruining my credit called XXXX of XXXX  XXXX for a medical bill. I explained to them that I've always had health insurance and this was not my bill. They said it was for someone named XXXX XXXX ( XXXX XX/XX/XXXX ), which is my daughter, however I was not even there with her at this time. She could have forged my name but I was not there. I was not seen or treated at this medical facility.
Product: Credit reporting or other personal consumer reports

I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in 2020 and reported it to XXXX XXXX. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXXXXXX XXXX XXXX  account type : credit card, Account name : XXXX XXXX, Account type : cell phone Account name : XXXX XXXX XXXX, Account type : credit card, Account name : XXXX XXXX XXXX account type : collection, original creditor : XXXX  account name : XXXX XXXX XXXX XXXX, account type : collection, original creditor : XXXX Account name : XXXX XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I was on a trip to XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, my rental car was broken into in the early morning near the beach while unattended for an hour. There were no signs of a break-in and the only thing in the car was my wallet in the glove box. Later in the afternoon i noticed that about {$50.00} dollars in bills was missing from my wallet. Having had my wallet on my person before that morning and after I concluded somebody broke into the car, scanned or copied my credit, debit, and liscence information, then proceeded to charge many things onto both of those cards. I received an email from Wells Fargo stating that there was some unusual activity on my credit card, and that a charge on my debit card was declined. At this point, I logged onto the app and froze all my cards. There were 4 charges onto my credit card, XXXX were declined by wells fargo as fraud or suspicious, and two were approved. The two declined were {$450.00} and {$1600.00} while the two approved were {$780.00} and {$1600.00}. 
On my Debit card, there were 4 attempted charges with only the first charge approved. The approved amount was {$1600.00}, and the subsequent declined charges were {$1600.00}, {$780.00}, and {$450.00}. 
I filed a fraud claim for both my debit and credit cards with Wells Fargo the same day from XXXX XXXX. The Debit card claim was approved and I was refunded the {$1600.00}. I was told that the credit card fraud would be investigated and I would hear back soon about the result. 
On XX/XX/XXXX, I called Wells Fargo and was told that my credit card claim was approved and that the charges were removed from my account. 
On XX/XX/XXXX, i noticed that there was still two charges that appeared on my new credit card statement, of {$1600.00} and {$800.00} from the same " merchant '' that all the other charges were from. Thinking that these charges were the same as before and were not credited back to me, I called wells fargo claims department and was told once again that my claim went through and that these charges would be removed from my account soon. 
Upon checking my bank account on XX/XX/XXXX, I noticed that those new charges still remained, with a total balance of {$2400.00} that was not authorized by me. Confused, i called wells fargo once again and was told that my claim was denied. They claimed that because i had the card in my possession the day of the fraud that these charges were authorized by me. Regardless of the two previous charges on my credit card and the charge on my debit card that were all from the same " merchant '' that were approved and given back to me by wells fargo, they denied these two other separate charges. I filed an additional escalation of the claim and for it to be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance. An as I stated XXXX, Transunion, and XXXX has done such without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account on my credit report shows an opened date of XX/XX/2021. This is inaccurate as the debt is from XXXX. Debt Recovery Solutions , LLC is fraudulently and illegally falsifying the open date of the account in order to make it appear as a new collection. This is not the first time they have pulled this scam. Approximately every 6 months they will remove the account and reopen it with a new date in order to have the maximum impact on my credit score. This is illegal account re-aging.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated X/17/2017, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Account Number XXXX, XXXX ) has violated my rights. 
15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had late payments on an account that i in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint. Im now requesting you to REMOVED this entire account immediately from my credit report. Thanks you for your understanding and taking time out of your day to hear me out.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of this year 2024 I signed up with for a free account with Experian to correct my address because it keeps on showing up as old address that I've not lived at for 6 and a half years now. So I signed up for an account with Experian their free account and the very next day I started receiving calls asking for me using my maiden name ; a name I have not used for over 14 years! That information was not available or in use and I got no such calls before signing up with Experian. So why all the sudden am I receiving calls now using my maiden name that I've not used in more than 14 years before I signed up with Experian credit reporting Bureau? I expected it to be secure and that the only thing that they would do would be to update my address so that when I try to sign up for a different phone company the phone company won't think I'm doing something fraudulent or not me. Now I'm receiving spam calls asking for me using my former name which is very scary for my credit reporting life. I tried to call Experian but all I get is their Robo answering bot. They do not have people to speak to personally to let them know that there may be some sort of glitch in their system or possibly a leak in their system. And there's no other way to fix this because nothing on their website addresses this particular problem. I feel the only people who can reach them is a government agency looking into it. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address on my credit report that is not mine, I never lived at that address. 
The address is XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX, CA XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

When I went to check my credit, I noticed that I had 3 unfamiliar inquiries on my credit report. I quickly called the XXXX XXXX XXXX, and they confirmed that there had been 2 applications and 1 open account. Then in the mail, later, I found another application that was denied. Someone is trying to get credit cards in my name, and I believe it is my mother or her husband. The places they went to were in the area for where they live. ( around XXXX, TX ) This isn't the first time that this has happened to me either, the same thing happened in XXXX, and I filed a report as well. And then also they had a collections in my name years back. I have the application that was supposedly signed in XXXX, TX XX/XX/XXXX, but I was in XXXX XXXX, taking a flight to XXXX early that morning. This resulted in a bill of collections for {$1300.00}. This is ridiculous. 

Please see below the recent frauds in my name. 
XXXX XX/XX/XXXX- ComenityBank / XXXX- application made in store XX/XX/XXXX - ComenityBank  / XXXX -application made in store XX/XX/XXXX - ComenityBank / XXXX - account opened XX/XX/XXXX XXXX XXXX / XXXX XXXX - Letter in the mail saying my application was denied Also, especially, during the XX/XX/XXXX frauds, I work offshore and could not have been able to go into a store. and the XX/XX/XXXX XXXX, I was just flying back on land to XXXX, LA at around XXXX and took a hotshot to my house through my company. The Comenity Bank representative was able to confirm that the stores were in XXXX, TX and XXXX, TX. I worked with XXXX and XXXX to put a freeze on my account. there has to be something done about these people trying to open credit cards in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  charged me for some device ( a XXXX I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, TransUnion continues rating my credit at XXXX, XXXX XXXX and XXXX XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.
Product: Credit reporting or other personal consumer reports

My student loan is being reported by two different loan companies that are reflecting identical amounts. The amounts are causing the balance of my student loan debt to double, which has negatively impacted my credit score tremendously. I understand XXXX is the new company to report the debt, however Aidvantage is still showing debt amounts. I am pleading for XXXX to reflect the correct balance in my student loan debt. Please remove the duplicated amounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX. 30 DATE LATE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX OF 2021. The company lowered the interest rate, The bill was paid in full. I was penalized on my credit report 30 day late doing the COVID NATIONAL EMERGENCY IN 2021.