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

The following companies made inquiries on XXXX XXXX and XXXX to open accounts that I did not authorize. The accounts were not open so therefore these inquiries should be removed : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Record details Inquired on XX/XX/XXXX Comment Real Estate on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Record details Inquired on XX/XX/XXXX Comment Real Estate on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Record details Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Record details Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Record details Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

Debt was a charge off as of XXXX. Account is not allowed to be reopened. CPS continues to reopen account and mark payment history incorrectly. Since then, account has closed then CPS reopened it illegally as it shows an update in payment history which a charge off is NOT allowed to have an active payment history. This falsely manipulated the statue of limitations and must be removed according to the lawl
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Product: Debt collection

Date : XX/XX/2023 {$14000.00} Received notice in mail of attempt to XXXX bank account. I contacted the company and spoke to XXXX. 
I asked the following questions : What is this judgement for? He said XXXX XXXX XXXX XXXX XXXX What was the original amount? He did not know How can they get a Judgement without notifying me that I was to appear in court? He said I was served. 

When and where was I served? He did not know, he said that information is at the court.
Product: Checking or savings account

Hello, XXXX XXXX PayPal Your transaction with your PayPal XXXX XXXX ending in XXXX was declined Your transaction at XXXX was declined, because there wasn't enough money in your balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Current Date Your Name Address City, State, Zip Code SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  D.O.B. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be removed immediately : Account : XXXX XXXXXXXX. Never paid late. 

Account : XXXX XXXX XXXXXXXX did not pay late XX/XX/2018 Account Number # XXXX XXXX XXXX XXXX XXXX : know knowledge of this account. 

Account number XXXX : XXXX XXXX XXXX XXXX - Know known knowledage of this account Account number XXXX : XXXX XXXX : know knowledage of this account Account number XXXX : XXXX XXXX XXXX : never been in this state
Product: Credit reporting, credit repair services, or other personal consumer reports

unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Business Credit Bureau Inquiries Auto Dealers , New Auto Dealers , New Auto Financing Auto Loans Auto Financing All Banks Bank Credit Cards All Banks Bank Credit Cards Commercial Banks
Product: Credit reporting or other personal consumer reports

Fraudulent Inquiries are on my credit report. This is due to identity theft I believe. 

I have already created case at Equifax which is # XXXX for below 5 inquiries. 

XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX - XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX also, there is wrongful Collection account being reported. 
XXXX XXXX XXXX ( XXXX XXXX ) ACCT # XXXX opened on XX/XX/XXXX for {$130.00} Bal.. I don't know of this issue either. 

I am attaching FTC Report, ID, SSN, and utility bill to show current address
Product: Credit card

After learning my identity had been stolen back in the early 2000 's last month, I pulled my credit report and found that there had been a credit card issued to someone other than my self, but under my name and information. I immediately disputed it on my credit report and started looking into the matter further. This credit card was a time-barred account, where the creditor had charged it off and sold it to XXXX XXXX XXXX. Both XXXX XXXX and XXXX, XXXX do not hold a surety bond to collect on debt in the State Of Texas. They are also misrepresenting the statute of limitations on this debt, thus violating the FCRA and I 've sent letters in an attempt to have the account removed from my credit report. Captital One no longer owns this account and according to Texas State Law, they are violating the FCRA by continuing to reknew the SOL date. There also has n't been an affort to prove account ownership as well. I have retained an attorney and will include a copy of my contract with the attorney to show my intent to file a lawsuit if this fraudulent account is n't removed from my credit report within 30 days.
Product: Checking or savings account

I had three unauthorized debits from the checking account I share with my wife : XX/XX/2018 ( tran date XX/XX/2018 ) : {$31.00} - XXXX # XXXX - XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$76.00} - XXXX XXXX # XXXX - XXXX XXXX XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$110.00} - XXXX # XXXX - XXXX, IL On the date in question ( XX/XX/2018 ) both my wife and I were working in downtown XXXX. On the weekend prior, we had taken a trip to XXXX XXXX, WI. 
It is my theory that my debit card was skimmed at a gas station on the way to or on the way back from this trip. Possible gas stations include : XXXX # XXXX XXXX XXXX IL XXXX XXXX XXXX WI Although I can't say for sure, I suspect the XXXX in XXXX, IL as one can easily draw a line from there to the three merchants in question. 
( see map : XXXX XXXX XXXXXXXX ) On XX/XX/2018 I reported these transactions to the Chase Customer Claims Department ( claim number XXXX ). They canceled my debit card, issued a new one, and issued a temporary credit on my account while they researched the issue. 

On XX/XX/XXXX, Chase issued an update. They decided that the items reported did not require correction and that the temporary credit on my account would be removed. 
At this point, I called the Customer Claims Department, expressed that this was unacceptable and asked that they reopen the claim. I was told that the reason for their finding was that the merchants in question were close to my place of residence ( XXXX County / XXXX ). I explained that I was working downtown on the date in question, that these transactions were all in different suburbs, and put forth the hypothesis explained above. They said they would get back to me with their new finding. 

On XX/XX/XXXX, Chase issued an update stating that the transactions I disputed would remain on my account, having determined that they were valid.
Product: Checking or savings account

I opened this checking account at the XXXX XXXX branch. I encountered problem after problem, eventually leading to me requesting the account be closed. I am not bilingual & the English-speaking bankers did not seem to be able to understand my requests either. I requested to update my phone number multiple times ; I was told it was completed, but it still has not been completed. I requested to update my address, and even provided a utility bill showing that the address was incorrect. That was not completed either. I received a debit card with the incorrect name & was then told I'd need to go back to the branch to have it corrected. I did so, and it took 3 hours to get my request completed. I requested checks on four separate occasions, but they were never sent. Eventually, because of all of the continued problems I requested that the account be closed. I was told that it was, and confirmed. This was in XX/XX/2022. As it turns out, the account was not closed & was left open. The bank then proceeded to charge off the account after assessing dormancy fees & overdraft fees on the dormancy fees. None of these fees are valid & should be immediately reversed. Further, the bank has reported the checking account as being charged off with a balance of {$13000.00} to XXXX. That is absolutely incorrect.
Product: Debt collection

After carefully reviewing my recent credit report, I found multiple accounts that seem inaccurate and were added without my consent.
Product: Checking or savings account

XXXX XXXX ( now a part of Huntington bank ) is still contacting me as of XX/XX/XXXX. The balance was paid in full on XX/XX/XXXX. The transaction posted to my account on the following business day ( Please refer to the XXXX XXXX XXXX  statement attached ). I 've also written several stamped letters and sent three certified documents. XXXX XXXX ( Now part of Huntington National Bank ) continued to call me to collect a debt even after I submitted proof of payment on numerous occasions. XXXX XXXX took it a step further and closed/charged off the account/reported me to the Credit Reporting Agencies and continued to call me even after the payment was received which is against The Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect a debt. 

One small transaction shouldnt lead to multiple {$35.00} fees. The original transaction was only XXXX and there was money in the account at the time of purchase. I was never alerted about the overdraft charges and the account continued to show a positive balance for weeks. XXXX XXXX deceptively waited to draft the money from my account at a later date which resulted in overdraft fees. 

We had completely forgotten about the XXXX because we rarely used the account. I had spoken with several individuals at the branch and over the phone to make a payment before XXXX XXXX illegally closed/charged off my account. By law, If I send you a letter stating that I dont owe any or all of the money, or asking for verification of the debt, you must stop contacting me. I 've sent numerous letters within 30 days after receiving each notice and the original receipt of payment to each department but XXXX XXXX ( Now part of Huntington National Bank ) continues to call/write me about an a debt that does n't exist )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several copies of my current FTC Identity Theft Report to Transunion, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. 
I have called them several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts.

They have cited none of the reasons for which FCRA 605B ( c )  would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them. 

As a military veteran, I am shocked and disgusted that a large, supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. 

The four days Transunion had under FCRA 605B to remove the fraudulent information has long since passed. If this not resolved quickly, I will be suing Transunion in federal court for willful noncompliance for all damages allowed under FCRA 616.
Product: Credit reporting or other personal consumer reports

Kickoff is reporting a closed account for me and its not mine
Product: Student loan

Navient will not allow deferment or forbearance on a private loan even though the federal loans are recognizing XXXX XXXX is a fraudulent school and billing has stopped. Im still required to pay on my private loans despite them acknowledging that fact
Product: Mortgage

I have a mortgage with Freedom mortgage and in XX/XX/XXXX I was trying to refinance my home mortgage with them it took about five months, I did not realize that my husband was on the loan because I have refinance my loan about four time already with out him but to make a long story short I get his permission to sign his name from the title company name title XXXX who received his affidavit on XX/XX/XXXX now it took them both company to XX/XX/XXXX to have the signing agent to come out for me to sign all the paperwork and this was on XX/XX/XXXX, the signing agent told me and give me paperwork stating that I do not have to pay for XX/XX/XXXX and XX/XX/XXXX rent I have two month free and in XX/XX/XXXX my rent would be XXXX dollars a months but on XX/XX/XXXX Freedom mortgage call me and told me that I did not sign my husband name correctly so it would have to been done all over again, I set it up again for the signing agent to come out a couple of days before XX/XX/XXXX but he call and say he did not get the paperwork so he cancel it, now my problem is that I found out that my husband affidavit that he sign only was for 90 days and it ending in or around XX/XX/XXXX and Freedom mortgage and Title XXXX commit fraud, they knew that what I was signing for my husband was out dated and they still let me sign, this was they plan all alone to let me sign then call me up to telling me it did not take.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is reporting a collections account for CBCS on my report that is fraudulent and not mine and must be removed under FCRA and FDCPA or I will file a lawsuit.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX in Florida refusing to refund the unauthorized transfer of my entire balance on XXXX of XXXX to an unknown person by wire fraud on my personal checking account. They alllwed me {$400.00} advance while investigating. I was on phone with customer rep over XXXX after I received a text message asking me if I authorized the transfer- if not call them. I immediately phoned n customer service said someone went into my account n changed my email address n even had set up bill pay for a future date but they didnt get pass my security questions. So how could they transfer my money without my knowledge to someone XXXX dont know XXXX XXXX?? after investigating they closed my acct and refusing to return my balance of XXXX n closed my account. No one has my permissions to remove money from my account. 
Also Im a victim of identity theft. 
Also need help with chase bank in ft XXXX fl.I have a personal checking account which receives my social security XXXX checks and used that account to deposit funds from my Llc business acct in which I tried several times to set up so I could keep funds seperated. They are refusing to release my balance of {$99000.00} holding it since XX/XX/2023. The bank rep lied and told me the check was in the mail after I went into bank in pouring rain over 5times providing my Llc n invoices they requested on large deposit made to XXXX XXXX XXXX I .Kaye n I have spent over five hours demanding they release my balance since they also closed my bank acct and refused to open a business acct and customer service lady XXXX XXXX into the XXXX checking sitelisting Im a fraud victim since someone did go into my checking trying to steal my entire balance by transfer n XXXX XXXX but XXXX caught it. This is causing me to literally starve to death and extreme hardship on my family. Im a hurricane disaster survivor whose home was destroyed XXXX a XXXX senior citizen! Navy fed bal XXXX and. XXXX balance of XXXX! I want my funds released immediately.please help me
Product: Money transfer, virtual currency, or money service

In XXXX of 2022 I was scammed through a XXXX  transfer of {$500.00} USD when applying for a false job listing on the platform XXXX. I was allowed to upload a bad check of {$500.00} to my account, which was then withdrawn following a XXXX  transfer to a scammer. 

I reached out to Bank of America and XXXX and was informed that since the payment was voluntary there was no recourse.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.