23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to update these accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounst are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}
Product: Debt collection

Ive disputed several negatives on my account. Theyve been paid and for example, child support which has been terminated since XX/XX/year>, Still shows me owing money.
Product: Debt collection

While I was disputing charges on my final invoice with XXXX XXXX XXXX XXXX, the collection company Enhanced Recovery Company , LLC, ( ERC ) added the XXXX XXXX XXXX account as unpaid with all 3 credit reporting agencies. I never received any documents, invoices, or any contact from ERC regarding the mentioned account. Additionally, I was in the process of resolving the issue with XXXX XXXX XXXX directly. I never received any documents from ERC to dispute this account, which they are required to do by law.
Product: Debt collection

They keep calling my phone asking for some one whom I don't know! Now I just hang up the phone.
Product: Credit card or prepaid card

Received a phone call from XXXX XXXX XXXX XXXX Collection Agency re : an account for Bureaus Investment Group Portfolio No 15, LLC for Merchant Credit Card @ XXXX ( Last 4 Digits on card- XXXX ). Fast # XXXX and balance is {$830.00}. After I explain to the representative that I am a victim of identity theft and have NEVER applied for or open a charge card w/XXXX XXXX. He took my information and sent me a FRAUD PACKET and details regarding the fraudulent charges. I filled out affidavit and provided all requested detail : police report, current gov't id ( license ), etc. 
Again, the card and charges are not mine, and I would like the account flagged as fraudulent and my name cleared. Also, this credit should be CLOSED OUT w/XXXX XXXX AND FLAG AS IDENTITY THEFT. 

Note, the address for statement states XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX - I have NEVER lived in Arizona ( See attachment. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I have Fraudulent Hard Inquiries on my credit report. Someone applied to Financial Organizations in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 


Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Please remove these inquires immediately.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Why have I received another letter from your company stating that the accounts listed below were verified? 

XXXX XXXX  : Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix, update or delete the information for date open. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix, update or delete the information for date open. 

XXXX XXXX XXXX Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix, update or delete the information for date open. 

XXXX XXXX XXXX Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix, update or delete the information for date open. 

XXXX XXXX  : Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix, update or delete the information for date open. 

XXXX XXXX Account number : XXXX, Bureau code is inconsistent between Bureaus. Fix, update or delete the information for date open. 

You told me to contact the furnisher and I did. You told me to go to the original source and I did, but they are not doing what they are supposed to do. Im getting quite stressed here. Im really thinking about contacting a consumer rights attorney to protect my rights because your company and the creditors are not investigating and reporting data 100 % accurately. There are credit reporting laws put in place to make sure your company is doing their job. Thats right I read this on the FTC website. I wont be a victim anymore. Im telling you that Im ready to move forward with this matter. I will do whatever I have to do if the above accounts are not fixed.

Im asking your company to do the right thing so this issue does not end up my attorneys office. 

CC : CFPB, FTC
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Bureau of Med Economics. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX INMATE XXXX XXXXXXXX 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

The company ( National Credit Systems ) is reporting a balance owed that I've disputed now a couple of times with them. The original creditor ( XXXX XXXX ) did not send me a list of proposed deductions within 3-5 days of me moving out as required by law in Georgia, also per the lease under # 39 of the agreement. After receiving this list, I should have had the opportunity ( until the 5th day ) to come back and remediate the damages if so chosen to do so. I did receive a move out statement 4 days after vacating and then several additional times after that. They continued to send me the same final moveout statement and did not show any damages for carpet repair or replacement. Roughly about three weeks later, they sent me another statement saying they needed to replace the carpets due to stains they could not clean. I lived in that unit for 7 months and did not allow walking in the unit with shoes, there were no pets, and my family and myself only ever ate in the kitchen. Upon receiving these claims, I asked them to send me photos of the carpets ( all 3 bedrooms ), which she was not able to provide. The rep eventually stopped responding to me and there never was a resolution. I have since tried to dispute this with their representing agent ( National Credit systems ) to no avail. XXXX XXXX has since gone out of business and National Credit Systems refuse to give me any contact information for the individual who they spoke to when handling my dispute. I am in the process of filing a complaint with National Credit Systems as well for violating my privacy rights. I am totally fine with paying my true balance of roughly XXXX, but I am not ok paying the additional XXXX. This has significantly affected my credit rating as well as my ability to obtain housing. During the months there, I had no issues with them and my rent was consistently paid on time. A satisfactory result for me would be for them to allow me to settle based off of the XXXX amount originally stated that I owed. I have since dealt with aggressive conduct from their agent XXXX XXXX, ( I can provide full name later ) who has hung up on me ( phone call on XX/XX/XXXX at XXXX XXXX ), violated my fcra privacy rights on XXXX by answering the call asking me for my name then immediately beginning to discuss my account with me before verifying my information ( account #, last 4 of s.s.n, address, telephone number, email for verification purposes per their company policy ) or stating their disclosure of being a debt collector. Dealing with this company has been a nightmare, please help. I have more documents I can provide as proof including XXXX changing my balance to XXXX through their dispute process which resulted on XX/XX/XXXX- via report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union CRA is reporting an inquiry submitted by XXXX for dates XX/XX/XXXX and XX/XX/XXXX. I did not authorize or give permission for XXXX to pull my credit for those dates. Therefore, I am requesting that XXXX  to update their system reflecting this information and send to Trans Union to have these inquiries removed immediately.
Product: Credit reporting

I filed dispute with Equifax do to XXXX reporting an account that was with XXXX. I disputed charges via pay pal and was refunded full amount after a lengthy investigation. The company had 60 day for final response and did not do so. I have requested for this to be removed from my credit report and provided proof of refund to Equifax , XXXX and also XXXX.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX  I was sending a transfer via XXXX through my bank Chase. The phone number was incorrect. There was no warning to double check the phone number or correct the phone number before proceeding. The amount was for a few XXXX dollars around $ XXXX all together. I spoke with the bank themselves they said that the transfer was valid because I used Face ID to log into my banking app. They could not return the money or request the money back from the person I accidentally sent it to. So basically I lost out on $ XXXX and there was nothing I could do about it because the wrong phone number was entered at the time. Safe to say I have only used XXXX once or twice in the last 4 years because of this. I have XXXX from this. I no longer use Face ID. I no longer use any money sending platforms. I do everything via credit card or cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_COLLECTION MANAGEMENT LINCARE Date XXXX Account Number XXXX Reason for dispute_XXXX XXXX___ Account XXXX Account Name_XXXX XXXX XXXX____ Date XXXX Account XXXX Reason for dispute_XXXX XXXX Account XXXX Account Name CREDENCE RESOURCES XXXX XXXX Date XXXX Account XXXX Reason for dispute__XXXX XXXX Account Amount XXXX Account Name__XXXX XXXX__________________________ Date XXXX Account Number__________________________ Reason for dispute__IDENTITY XXXX Account XXXX
Product: Credit card

On XXXX, for our XXXX anniversary, I took my wife and our oldest daughter on a tour of XXXX. We stopped for lunch at XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. It was around XXXX, warm and sunny and we sat outside in their courtyard and ordered XXXX ice teas, XXXX lobster rolls and a small salad for lunch. The old woman/owner gave us our bill. We signed the check which must have been no more than {$45.00}, plus tip. It was a regular paper receipt which I paid with my Bank of America XXXX. I signed the paper bill with a pen and never kept a copy for myself since it was such a small amount. 
A few weeks later, while reviewing my XXXX bill from BofA, I noticed that I had a charge of {$560.00} from this restaurant, and no other charges. I immediately called Bank of America and contested the charge, stating that I never authorized this large amount. 
On XX/XX/XXXX I received a letter from Bank of America stating that the merchant had provided proof of a signed receipt for the amount of {$470.00} plus a tip of {$80.00} for a total of {$560.00}. The signature provided to BofA is a close forgery of my signature, and I did not sign nor authorize such a large bill. BofA considers this matter closed and is holding me fully responsible for paying the full amount of {$560.00}. 
I filed a police report with XXXX Police Department XXXX : XXXX. The restaurant has since closed and it 's been torn down. The owners of this restaurant have been found guilty of previous fraud charges and spent time in jail - according to reports you can easily find on the internet.
Product: Credit reporting

Equifax is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.
Product: Credit reporting or other personal consumer reports

I recently viewed the latest copy of my consumer credit report and noticed several unauthorized inquiries on my report. Attached you will find a copy of my FTC report indicating my complaint, which includes all unauthorized inquiries as well as those mentioned in my personal statement section. I have contacted all 3 credit reporting agencies and they refuse to investigate or remove these items. I am requesting that all of these items be removed.

15 USC 1681b ( c ) : Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.

( 3 ) Information regarding inquiries : Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.
Product: Checking or savings account

On XX/XX/year>, I noticed XXXX transactions on my checking account that I didn't make : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$29.00} XXXX immediately informed Chase Bank, canceled my debit card, and requested a new one. I also requested a refund from these fraudulent transactions that were not made by me. 
After an investigation by Chase, they informed me that they believe the charges to XXXX XXXXXXXX XXXX XXXXXXXX XXXX were made by me, but the XXXX to XXXX XXXX was not. They refunded the {$29.00} from XXXX XXXX. 
I requested to see what they described on the phone as " irrefutable evidence '' that I was responsible for the transactions to XXXX XXXX and XXXX XXXX. I requested to see the evidence and responded on XX/XX/XXXX. I sent them a letter refuting their evidence and requested an appeal, which they denied. I pointed out a number of discrepencies, which they refused to consider. These include : An email addresses which were not mine. 
A device ID that is not mine. 
The XXXX XXXX money transfer was sent to someone using my late mother 's name, with the name XXXX added. 
A payout location in XXXX, where I know no one. 
Purchases made on a XXXX computer, I use exclusively XXXX. 

All of this is documented in the letter I sent to Chase, which I have attached.