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

I am filing this complaint against XXXX, Equifax, and XXXX to notify them of fraudulent accounts, inquiries, and inaccurate information appearing on my consumer report. These accounts and data entries were never authorized by me, and their inclusion has caused significant harm. Pursuant to 15 U.S.C. 1681c-2, consumer reporting agencies are required to delete inaccurate or incomplete information upon notification. I am formally disputing the following : Fraudulent Accounts : XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$11000.00}. 
XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$640.00}. 
XXXX XXXXXXXX XXXX  Account XXXX, opened XX/XX/XXXX, balance {$140.00}. 

Fraudulent Personal Information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies, combined with the fraudulent accounts and inquiries, have caused significant mental, financial, and reputational harm. I have filed an identity theft report ( attached ) as well as CFPB complaints regarding the furnishers of these accounts : XXXX XXXXXXXX XXXX  : Complaint Number XXXX. 
XXXX XXXX XXXX : Complaint Number XXXX. 

Requested Actions : I formally request the following : Immediate deletion of all fraudulent accounts listed above from my consumer report. 
Correction or deletion of all inaccurate personal information, including names, addresses, phone numbers, employers, and spouse information, to accurately reflect my identity. 
Correction of all late payments associated with these accounts to " paid on time. '' Removal of all fraudulent inquiries associated with these accounts. 
Cease and desist all communication except via mail. 
This reporting activity has already caused emotional distress and financial harm. I request compensation for these damages totaling {$15000.00}, broken down as follows : Emotional distress : {$8000.00} Financial harm : {$5000.00} Statutory damages : {$2000.00} ( estimated at {$1000.00} per error across two errors ). 

If you comply, I will consider this matter resolved and no further action will be taken. If you fail to comply with these demands, I will escalate this matter to federal court and seek higher compensatory damages. All rights reserved without prejudice. Thank you for your immediate attention to this matter. 

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

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on  these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

Hunter Warfield INC is reporting a collection on my account for {$580.00} with no validation of this debt and without proof of my authorization of release of my PHI from any medical provider or organization. I have already attempted to verify through XXXX and received no information other than it was validated, but no breakdown of charges or a HIPAA release authorization proving they have right to my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the Equifax, XXXX and XXXX to reinvestigate this account being reported to them and ensure that accurate and fair reporting will be done, but my request was not granted, hence I am asking for your agency 's help. 

There are inaccuracies the way this account was reported to the bureaus. Let me tell you why : XXXX : The limit, past due amount, and balance were not reported, Also, the payment history shows multiple CO marks which are erroneous. 

XXXX  : Monthly payment and limit are missing from the report, and payment history shows multiple CO marks which are inaccurate. 

Equifax : Terms, high balance, limit, past due amount and payment history are missing. 

Clearly, this account was not properly investigated and reported. If the report came from XXXX XXXX, then why it is that each of them reports this account differently? Are they not suppose to have the same information as they all gathered it from 1 creditor?
Product: Student loan

I have been trying to get a XXXX plan with my servicer but they keep denying me for documentation or not responding. Help, I changed jobs and took a drastic decrease in income and cant afford to pay the payments and need the plan changed without getting a run around.
Product: Credit card or prepaid card

Hello. My name is XXXX XXXX. I pulled my credit report on XXXX XXXX, 2017 and it showed a hard inquiry from synchrony bank. I never used this company. I called they company and they had no knowledge of my formation. I did not authorize anything with this company. I ask them to remove it but they stated to me they have no information therefore they can not remove it. They then told me to called the credit bureau so i then called XXXX and XXXX  and they were no help. Not sure if this is a fraud action but I would like it to be removed from my credit. 

I also would like an inquiry removed by XXXX XXXX. I have made on time payments but the inquiry is still there. I would like the inquiry removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$3100.00}, CCI ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$560.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$920.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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

To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports EQUIFAX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Product: Credit card or prepaid card

I was issued a credit card back in XXXX or XXXX of this yearXXXX. I went on line @ the time and created an account but the XXXX of XXXX time I tried to go on line, my password was rejected and I know I keyed in the right password. 

I called the credit card company and verified all of the requested information but was told I would not be able to access my account. My reply was I will not use any card that I have no way of reviewing my account information. I was told I could mail in my payments. I never used the card. 

A few days ago, I was issued another card by the same bank, a different card and I am still unable to access my account on line and all I am requesting is be allowed to change user name as well as password. This should be allowed after all who wants to have a card that can not be monitored?
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 account 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 : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not filed by a third party. 

XXXX and TransUnion are fraudulent on my credit accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX. 

These are fraud, I didnt benefit, apply for, and authorize these accounts.
Product: Credit reporting or other personal consumer reports

Heres a more detailed version of your CFPB complaint : Subject : Repeated Failure to Remove Unauthorized Hard Inquiry FCRA Violation To Whom It May Concern, I am writing to file a formal complaint against TransUnion for repeatedly failing to remove an unauthorized hard inquiry from my credit report, despite multiple requests and promises that the issue would be resolved. 

The unauthorized inquiry, which was added to my credit report on XX/XX/year>, occurred without my consent or authorization. Upon noticing this, I contacted TransUnion on several occasions to have the inaccurate information removed. Specifically, I reached out on XX/XX/year>, and again on XX/XX/year>. During my most recent interaction on XX/XX/year>, I was provided written confirmation from TransUnion stating that the unauthorized inquiry would be removed within two days. However, despite this written assurance, it has now been more than a month, and the unauthorized inquiry remains on my credit report. 

TransUnions repeated failure to remove this incorrect information constitutes a violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA requires that credit reporting agencies investigate and correct inaccuracies within 30 days. The inquiry has not been removed within this legally mandated timeframe, despite multiple requests on my part and clear communication from TransUnion that they would take action. 

The presence of this unauthorized hard inquiry on my credit report is continuing to negatively affect my credit score, and the lack of resolution is causing me significant frustration and financial harm. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that TransUnion fully complies with their legal obligations under the FCRA and removes this unauthorized inquiry from my credit report. 

Additionally, I would like confirmation that my credit score will be updated to reflect the removal of this inquiry, as it has unfairly impacted my overall financial standing. I have documentation of my interactions with TransUnion and am prepared to provide any additional information that is necessary for the investigation. 

Thank you for your time and assistance in this matter. I trust that the CFPB will help to ensure this issue is promptly resolved. 

Sincerely, XXXX XXXX [ Your Contact Information : Phone and Email ]
Product: Credit reporting or other personal consumer reports

After the dispute investigation every account in collections shows open, past due and reflects past due balances. I also show XXXX account was deleted however I dont know which account and during the dispute process XXXX has been sending collection mail, emails or text messages. 
I need a thorough investigation and validation from the buyer not previous statements of the old debt.
Product: Credit reporting or other personal consumer reports

My Equifax report was mixed with someone else. There are multiple versions of their name showing up on my credit report. Additionally, there was an auto loan that I disputed. I have never used the name showing on my credit report, nor is it me. I disputed and they removed it from my current report, but now it is on all previous reports & may show as an alias.
Product: Debt collection

Company attempted to send a billing statement in the mail to validate debt. Company is using stall tactics because it cant provide a signed legal document with my name. Company continues to provide inaccurate information to credit bureaus. Reporting non validated information to the credit bureaus is also defamation of character.
Product: Credit reporting or other personal consumer reports

I request that you provide a copy of the contract or agreement bearing my signature with your company, as required by law, to prove that I have a legal obligation to pay this debt. Please note that a photocopy or electronic version of the agreement will not suffice ; I require a contract with a wet ink signature. 

Until you have provided the requested information and validated this debt, I am exercising my rights under the FDCPA to dispute the debt and request that you cease all collection activities. 

Please respond to this request within 10 days of receipt. If you fail to provide the requested information, I will consider the debt to be invalid, and you must cease all collection efforts and remove any negative reporting from my credit file. 

Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX and XXXX credit to fully investigate an error on my credit profile over 90 days ago. I become aware of the fraud accounts during an annual security check. Since XXXX I have lived and worked only in XXXX, and XXXX. 

I learned that a third party opened many accounts with a close approximation to my name in XXXX at an address in XXXX Texas that I have never lived at or that I am familiar with. XXXX bought a fraudulently opened account they claim to be my account from XXXX XXXX. 

XXXX XXXX has admitted the account is fraud, and even advised that the last name on the account was XXXX, not XXXX! Yes, the name of the guy from friends. 

They then sold the fraudulently opened account to XXXX. 

XXXX refused to remove this account which clearly is not my account, from my credit bureau. They have threatened to sue my XXXX XXXX XXXX father. 

I demand that XXXX, XXXX XXXX and XXXX are sanctioned for their illegal actions against me, in violation for the Fair Debt Collections act, and in violation of the Fair Credit Reporting Act. They are unable to produce any proof that I ever opened the account, because I did not, and I was not even in the United States when the fraud activity occurred. According to 15 USC 1681i TransUnion has 30 days to investigate and send me the results. They failed to do so, and even asked you for more time 30 days ago! 


This is not OK.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Under the FCRA Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The information being reported is incorrect, and its continued inclusion violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

Disputed Account Details : Creditor Name : LVNV FUNDING LLC Account Number : XXXX Amount : {$920.00} Status : Collection Specific Errors & FCRA Violations : 1. Inaccurate Payment History Reporting : My credit report shows this account with continuous C ( Collection ) marks for multiple months, even after XX/XX/XXXX2022, when the status was last updated. If this account was placed in collections in 2022, it is incorrect to continue marking it as a new collection each month. This violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting information that they know or should know is inaccurate.

2. Failure to Provide Proper Verification : Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to request verification of this debt. If the reporting agency can not provide sufficient documentation proving the accuracy of this information, it must be deleted from my credit file.

3. Re-aging of the Debt : It appears that this account is being re-aged by continuously reporting as a fresh derogatory item each month. FCRA 15 U.S.C. 1681c ( a ) ( 4 ) states that derogatory accounts can not be reported for more than seven years from the date of first delinquency. If the account was initially delinquent in XXXX, it should not appear as an active collection beyond its allowed reporting period. 

Requested Resolution : I formally request that XXXX conduct an immediate investigation into this matter and provide me with documentation verifying the accuracy of the reported details. If the information can not be verified, I demand that this account be corrected or deleted in compliance with the FCRA. 

Please complete this investigation within the legally required 30-day period and send me a written confirmation of the outcome. Additionally, if any corrections are made, please provide me with an updated credit report reflecting these changes. 

Enclosed, you will find copies of supporting documents, including my identification and relevant records regarding this account. Please consider this my formal request for compliance with federal law. 

Thank you for your prompt attention to this matter. I expect a response confirming the completion of the investigation within the FCRA-mandated timeframe. 

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

I was excited to check my Credit Report upon ordering an updated copy from XXXX XXXX XXXX dated XX/XX/XXXX to see whether the Credit Bureaus removed the items that I have been disputing for quite some time now. However, upon further investigation of my Credit Report, I was disappointed to see no change at all. It is as clear as daylight that the Credit Bureaus did not comply with the FCRA section 605b which is punishable by law. Despite the multiple written letters I have been sending to the Credit Bureaus, the Credit Bureaus never even took their time to verify the information they report on my Credit file. I have been informing them that I am a victim of Identity theft through the letters I have been sending them. But it seems like the Credit Bureaus do not give a XXXX about a consumer 's appeals and requests. Let me remind the Credit Bureaus that they are required to remove any account and information that the consumer considered were opened due to fraudulent information under the Fair Credit Report Act section 605b. I am submitting this complaint to urge the Credit Bureaus to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to report an instance of identity theft that has occurred as a result of the data breaches involving XXXX and XXXX, and to seek assistance in addressing the consequences of this situation. 

My personal information was compromised during these breaches, which I understand affected millions of individuals. As a result, I am now a victim of identity theft. Unauthorized accounts and fraudulent activity have been detected on my credit report, and I am taking steps to rectify the damage caused by these breaches. 

In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting that the Consumer Financial Protection Bureau assist me in enforcing my rights under the law, which mandates that a credit reporting agency block any information that is the result of identity theft, as I have not authorized the accounts or transactions appearing on my credit file. 
XXXX XXXX XXXX XXXX Account # XXXX Balance {$26000.00} XXXX XXXX XXXX XXXX Account # XXXX Balance {$3100.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX {$4100.00}
Product: Checking or savings account

I was charged a overdraft fee, due to insufficient funds. Over 2 plus  years I signed a document stating if I dont have the funds in my account dont accept it. But Wells Fargo continues to accept it, so that they can receive the {$35.00} fee.
Product: Credit card

I was late on a payment and could not use my card. I made a payment and still could not use my card. Called customer service and they said I could use it once the payment cleared. That would take 24 hours. I still could n't use my card.
Product: Credit card

Synchrony Bank previously GE Retail Bank now is the financing company for Lowe 's, and HH Gregg. I made an unemployment claim back in 2013 to now have Synchrony Bank state that I did not have card coverage. I had both card for more than 20 years. I can not say how terrible this made me feel and how hard this is for this retail giant. I have these account that I paid on time over the years. I now need your assistance I know I was sold the card service to only have these companies report a Collection Balance when this is a Unemployment claim from XXXX that should have paid both these accounts off. Now that they are Synchrony Bank I am told I did not have coverage this can not be true as long as I had these cards. I need your help to investigate and resolve this for me.
Product: Checking or savings account

My account was closed, however they didnt inform me why? 
When I tried to ask ( Bank of America ) said its a business decision also they have frozen my funds without saying the reason and when I did the previous complaint they answered after it by XXXX weeks saying there was a claim against from my Mothers ex XXXX XXXXXXXX XXXX. 
I have provided to them all documents and attached the documents here also to proof that these funds are mine and asked them about an official statement from them in order to sue XXXX XXXX XXXX XXXX and my mothers ex. 
Im struggling and suffering from these frozen funds. Please help me to return these funds