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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX XXXX XXXX XXXX Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership to get a car at XXXX and now I have 4 Inquiries. 
XXXX XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have a few here that was never given permission for XXXX XXXX and XXXX, XXXX
Product: Mortgage

A hurricane occurred in XXXX. We received funds from the flood insurance a couple of months later. We have been fighting and struggling with the service of our Cross Country mortgage ever since then to get payments on time. We have been living in utter chaos. Finally our contractor agreed to do some work for the sake of our safety but despite all the reports and inspections, the service will not release our money to us, and now the contractor is threatening to sue because it has been so long. The servicers communication is insufficient, terse, and never contains the information we need. They don't always respond to emails and if they do it's days between communications and they won't just pick up the phone and call us. I don't know what to do. I've tried everything. That money is mine and I'm living in chaos
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reported me to transunion for a past due bill of XXXX and I paid XXXX XX/XX/XXXX. Then I filed a dispute to have it removed from my report as XXXX  agreed once I paid they would have it removed. It was reported and remove and then transunion reported it again saying the amount owed increased by {$140.00} and my score took a major hit with double digits. TransUnion said XXXX collections agency reported that I still owed and I called XXXX   and their debt collectors and transunion and all Ive been getting is nonsense because they all keep saying its not their fault. Im XXXX XXXX  XXXX  and this is stressful as I was working hard on building my credit because my family plans to purchase a house soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.
Product: Debt collection

Company : XXXX XXXX XXXX XXXX Contract them to install a Fire Alarm ( XX/XX/2017 ) charged {$3800.00} which was paid as agree. 
They stayed at the contract that Monitoring is mandatory by the Fire Marshall and was charged every three month for {$170.00} and it was needed when the Fire Marshall come to do the test to pass inspection ( Opening my Business ) I was not sure by the moment if was true what they were saying, after the first three month first bill arrived, paid and call Mr XXXX at XXXX XXXX to cancel my Monitoring because I could not afford it, they repeated the same, we may have to report you to the Fire Marshall office because is mandatory, again told go ahead and do it. 
Contacted Fire Marshall office to clarify the issue they told me in an email that my Fire Alarm does not need monitoring. Called Again to XXXX XXXX office talked to Ms XXXX and reassured my account was cancel. They never cancelled and kept sending on purpose to collect later. After all this time they called a month ago collecting me {$1200.00} due, explained with names and dates that my account was cancel with Mr XXXX and they didnt say a word, now they i received a collection letter and calls threatening to take me to court. This illegal practice they doing is not only against me if not with so many other XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2021 Account type Auto Loan Payment summary XXXX  XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY XXXX  Status Paid, Closed/Never late. 
Status updated XX/XX/2021 Original balance {$23000.00} Monthly payment - Last payment date XX/XX/2021 Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Checking or savings account

I opened a Platinum Perks Checking personal checking account with Huntington on XX/XX/year>. The account was opened online. While opening this account, I enrolled in a new account promotional offer. The offer terms stated required me to do the following. 
XXXX. Open a new, qualifying Huntington consumer Checking account during the promotional period between XX/XX/year> and XX/XX/year>. Eligible checking accounts for this offer are : Huntington Platinum Perks Checking. I completed this step. 
XXXX. Make cumulative new money deposits into the new checking account of at least {$25000.00} or more within XXXX ( XXXX ) days from account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing personal CDs ). I made deposits totalling {$25000.00} between XX/XX/year> and XX/XX/year>. 
XXXX. Maintain an open account status in an eligible checking account for 90 days. The account is still open and retains the same account type. 
The offer stated that as long as I completed these XXXX steps and did not have or have had within 6 months before opening date ( XX/XX/year> ) a Huntington personal account, I would get {$600.00} in my account within 14 days from the end of the XXXX period ( 14 days from XX/XX/year> ). My complaint is I never received this {$600.00} despite fulfilling all conditions for the offer. I'm attaching the offer terms ( received as part of account opening disclosures ) with this notice.
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent inquiries been places into my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX XXXX XXXX {$3100.00} ; XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX
Product: Credit reporting or other personal consumer reports

I received a call from my bank saying that my bank account had fraudulent activity. I checked my bank and asked what the fraudulent activity was. They said that somebody had called saying that someone had opened an account with their name with my bank. I was then confused so I decided to check my credit report. I checked all three credit bureaus and realized that XXXX of the XXXX credit bureaus had multiple credit reports on my file that were not mine. XX/XX/XXXX, I contacted the particular credit bureau on their website and submitted a dispute for the many reports on file that did not belong to me. I was not able to handle the dispute online and was directed to call the number of that XXXX credit bureau for further help. The person that was helping me on the phone was able to pretty much remove every report that was not mine as it seems there was a credit file mix. However, a couple months later, I noticed that XXXX of the reports was not removed from my credit report from the other person. And that report happens to be a bankruptcy which is affecting my credit in a very negative way. XX/XX/XXXX, I opened a bankruptcy dispute to contact that XXXX credit bureau to have that bankruptcy that did not belong to me removed from my credit report. Unfortunately, they did not remove the bankruptcy from my credit report, so I decided to act and contact the court that issued the bankruptcy and tell them that it was not mine. They also told me that I would have to contact the credit Bureau and file a dispute which I had already done previously. I ended up submitting a second bankruptcy dispute with new updates from the court that issued the bankruptcy to the other individual. Once again, I was denied the removal of the bankruptcy from my credit report, so I decided to make a complaint.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

There is information on my account that is inaccurate. 
15 U.S.C states a consumer reporting agency can not furnish an account without written instructions. 

In accordance with the fair credit reporting the following accounts have violated my rights. XXXX ACCT 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 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I'm sending a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These items are unknown to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS is required by law to remove any items which are found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX  XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX  XXXX Inquiry XXXX XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX Inquiry XXXX XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry XXXX XX/XX/2021 ; XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

To Whom it may concern : Please see attached correspondence with Discover Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. Account shows on my credit report as a charge off. I requested a 1099-C as verification. Never received one. This is not my debt.
Product: Checking or savings account

My account was overdrawn buy pending on XX/XX/XXXX, so i made a deposit. the bank then " posted '' the pending transactions that caused fees on XX/XX/XXXX, even though they had shown as pending on the XXXX, and it didnt actually show that it was posted until the XXXX. i check my balances multiple times a day and watched all of this happen basically in real time. The bank held my real time electronic deposit until the XXXX, causing XXXX overdraft fees.
Product: Credit reporting or other personal consumer reports

These accounts were not initiated by me, and I strongly believe they are fraudulent. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref earlier complaint, XXXX, Sequium Asset Solution. Have been thru the process, attempted to call them with no success. Phone for XXXX XXXX message box full, won't take new message, indicates she will call if she decides to. 

Original complaint refers to XXXX XXXX Acct # XXXX, which is NOT mine. Refers to account in XXXX XXXX, TX, in XXXX. 

I have lived in XXXX, TN, since XXXX. In fact, had a XXXX XXXX Acct, XXXX. XXXX, from XX/XX/XXXX thru XX/XX/XXXX. 

No one, XXXX, Sequium, or any one else, ever contacted me about a delinquent acct.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

Never used this credit card EVER!! I told them to send me the statements of what I purchased and received a goose egg! I want this removed from my credit report. They rang me up in monthly interest fees! I never used the card! I don't even think I ever activated it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I attempted to transfer money ( {$1000.00} ) from my bank account with XXXX XXXX XXXX  to my bank account with Arvest bank. 
The money was deposited somewhere within Arvest business account. We have provided account numbers, deposit numbers, and trace numbers and Arvest claims they can not find out money. Its just lost. For over a month we have been going back and forth with no resolution in sight.