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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. XXXX XXXX  XXXX, GA XXXX XXXX  XXXX BALANCED {$11000.00} XXXX  XXXX BALANCED {$540.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$440.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$1400.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX BALANCED {$3000.00} XXXX XXXX XXXX XXXX BALANCED {$3400.00} XXXX XXXX XXXX BALANCED {$130.00} XXXX XXXX XXXX BALANCED {$330.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to the recent investigation that took place on my credit record. I do appreciate the time you take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask you to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the items below. 

XXXX XXXX XXXX XXXX : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Checking or savings account

Online payments were canceled & completely deleted by a hacker. I am kept from trying to figure out transactions. Mid XXXX for the cancellations and the first of XXXX for disappearing payments. XX/XX/year>24 for being prevented to research transactions. This is a joint account with my Husband, XXXX XXXX. The Bank has bought our account from XXXX and I have been banking for XXXX years, and since all of this occurred they have required a online banking profile from me, but still will not give me any information on my own account????
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX {$300.00} # XXXX opened XXXX, XXXX XXXX XXXX XXXXXXXX {$360.00} # XXXX opened XXXX, XXXX {$7800.00} # XXXX opened XXXX, XXXX XXXX {$9400.00} XXXX XXXX opened XXXX, XXXX XXXX {$34000.00} # XXXX opened XXXX .These accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency TransUnion What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX. XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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, account have resulted in an account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX was totaled On XX/XX/XXXX XXXX insurance sent in {$4300.00} ( this did not pay off the loan ) XX/XX/XXXX GAP paid {$4300.00} ( this did not pay the loan off ) My complaint is : When I called the automated system for Santander USA, In XX/XX/XXXX., the automated system stated my next payment due date was in XX/XX/XXXX. Not knowing I would accumulate additional interest during XX/XX/XXXX-XX/XX/XXXX, I payed the next payment in the amount of {$2000.00} on XX/XX/XXXX. In XX/XX/XXXX, when I called their automated system it stated, my next payment was due in XX/XX/XXXX. When I paid the payment in XX/XX/XXXX, it was n't until then I realized I owed more money on the loan than before I paid the $ XXXX payment and the insurance/gap payments. My issue is the Santander system allocation, AND their automated system literally gives consumers a deceptive, artificial, and miss-leading 'NEXT ' due date. Why would anyone wait just to pay more interest and owe more on a loan, on purpose, after significant lump sum payments were made to reduce the loan? That makes no sense. Santander needs to change their automated deceptive and miss-leading system and provide the consumer with the 'REAL ' next due date, which would be on the regular monthly payment date in the NEXT month, not several months down the road, which leads the consumer to an artificial due date, then we are shocked we end up owing more money. The allocation of lump sum payments apparently triggers this deceptive date WITHOUT an explanation, that paying the loan at THE FUTURE DATE PROVIDED BY THEIR SYSTEM, will actually cause the loan to increase. 
I am requesting a minimum refund of {$990.00} paid in accumulated duplicitous interest. Thank you.
Product: Prepaid card

Got an {$50.00} American express gift card as a gift and was unable to use it on XXXXXXXX XXXX  XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX, Account NumbeXXXX : XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 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 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 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.
Product: Debt collection

Yesterday I submitted a complaint about this company because of a bill that was sent to collections by XXXX XXXX XXXX  XXXX. Today that I managed to contact CSA Inc, they reported sending bills to my WRONG address, and that they called me. However, I never received any calls from them, and they also sent bills to a wrong address, or perhaps never sent it because I had mail forwarding. Now they say that even though I paid my debt, the derogatory mark will not be taken off my credit report.
Product: Credit card

XX/XX/year>, Affirm gave me credit for a XXXX purchase. long story short i never received the order and I was forced to pay the entire amount. Till this day AFFIRM has reported to my credit which made it drop down XXXX points ruining my score. So i was forced to pay. i have all the emails and proof
Product: Credit card or prepaid card

XXXX ) XX/XX/XXXX Comenity Bank acquired the XXXX credit cards from XXXX XXXX. 
Around that time i required to receive as a credit to my account : {$880.00} or rewards accumulated over time. I noticed that Comenity was not paying the rewards. I called in XX/XX/XXXX for the first time. They answered by saying they were putting this claim as a dispute. And dispute require 3 months to be answered. And they refused communications until 3 months passed. At the end of 3 months, i called again, and they said they were placing again the claim in another dispute. In short they use tactics to avoid the payment of rewards. Their customer service told me that i was not the only one. They decided not to pay the rewards when they purchased the accounts of XXXX. 
( letters document 1 ) On XX/XX/XXXX they credited my account with {$970.00}, but took back the money the next day. {$970.00} was the amount of rewards plus the cost of 18 % interests they charge. ( Document 2 )
Product: Debt collection

This is so annoying & frustrating. Ive sent Transunion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$440.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5800.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$700.00}. Please delete these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Credit card

I logged into my account ( I have a checkings, savings and credit card with the same bank ) and saw a tagline that my credit card had been closed and to contact them for additional info. I called and the operator confirmed the credit card account had been closed. Said I could reopen it and asked for my social security number. Before disclosing my social security number, I asked if they would be running a credit check to reopen the account. She said no. Shortly after she asked for permission to run a credit check, saying that was the only way they could reopen the account. This is what I had expressly asked if it was needed, as it would negatively affect my credit score. 

I also asked why the account had been closed without notification. She said a letter had been mailed on XX/XX/XXXX ( takes XXXX business days to arrive ) notifying me the account had been closed. But they said they didn't mail anything prior to the closing. The best they could do was submit a complaint to " improve the process '' for other customers going further, but no remediation for my issue. 

I then asked to receive something in writing with the policy about running a credit check to reopen the account, to see what kind for credit check would be run, and so I could have evidence that the card would be re-opened with the previous credit history I had accumulated and not that it would show up in my credit report as a new account. She said she could not send me anything in writing. I had to say yes over the phone, based on their word. 

I do not have a negative credit history with the bank, nor with any other bank. I have a great credit score and they are negatively impacting my ability to maintain that good history with their arbitrary closing of the account without prior notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian I am a victim of identity theft, the information listed below, which appears on my credit report, does not relate to any transactions that I have made. Im writing to dispute certain information in my file resulting from the crime. I have circled the items Im disputing on the attached copy of the report I received. Again the items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
The items are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed to correct the information. 

ATTACHED are copies of the Police Report, FTC Report and documents to prove my Identity supporting my position. Please reinvestigate these mattters and delete the disputed items as soon as possible. 

Additionally Experian has TWO ( 2 ) public record reporting on my file that arent verified. I have personally contacted the UNITED STATES BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX  via US Postal service in regards to BOTH unverified public records and the court has returned Communication stating ( The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. ) Secondly Ive contacted XXXX XXXX whom shows NO bankruptcys on my credit report. I have attached the official responses received from each party to this CFPB complaint for proof and your review purposes. 

Bankruptcy : Dismissed XXXX XXXX Bankruptcy : Dismissed XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 


Sincerely, XXXX XXXX XXXX : * Fraud Complaint with the Federal Trade Commission - # XXXX * Police Report - # XXXX * Bankruptcy Court Document * XXXX XXXX XXXX Showing removal * Copy of Credit Report * Proof of Identity - Social Security Card / Drivers license * Proof of Identity - Bank statement showing current address * FCRA 611, 15 U.S.C. 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank now Santander Bank is reporting my accounts which I closed in XXXX. The account was XXXX in XXXX. But Santander is reporting I owe them XXXX, this account was XXXX in court XXXX. 
they should correct this information on all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope you will make an effort to finally delete the following items. Thank you. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attempted to resolve this issue by reporting the fraudulent inquiries on my credit report. The unauthorized inquiry has caused me significant mental and financial distress. As a victim of identity theft, I am not responsible for these inquiries and have suffered due to their presence on my report. If this complaint is not addressed properly, I will pursue legal action. These inaccuracies have prevented me from purchasing my dream car and have impacted my ability to support my family. For your reference, I have attached a copy of the letter I previously sent.