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

These accounts do not belong to me, please remove them from the 3 credit bureaus.

Please see negative accounts which I want removed from my credit report.

Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card or prepaid card

On XXXX XXXX, 2020 I made a cash advance transaction at a local ATM from a list recommended by Citibank. The amount posted to my credit card account that same day. In addition, Citibank put the same charge in the pending charges, along with a {$15.00} ATM fee. So now I have a {$300.00} charge posted for the advance, and another {$300.00} charge in pending, reducing my available credit by {$600.00} ( instead of the expected {$300.00} ). All attempts to resolve through customer service, both chat and telephone call, resulted in being told I would have to wait until the pending charge posted. It was already posted. They said it could take 30 days or more for the charge to " roll off '' depending on the merchant. They are the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone other than myself submitted a credit inquiry for XXXX. I do not recognize this inquiry Ive attempted to reach out to Experian and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted Experian and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted Experian and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX  XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted Experian to dispute this over the phone and its still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported the credit agencies that I settled my account for a lesser amount owed. This authorization must be accompanied with a verbal approval or a signed Settlement Authorization Form. I did not approve either. I did not authiorize a third party to act on my behalf. Because my account was fradulently settled for a lesser amount, my credit score was tremendously affected negitivley. I have requested that XXXX XXXX provides me with the signed Settlement Authorization Form ; which they have failed to produce. Due to a third party acting on my behalf without my approval, this action by law is identity theft. XXXX XXXX XXXX also reported to the credit agencies, that the XXXXXXXX XXXX payment was late ; which is false. It is also being reported that the accout was paid in full on XX/XX/2022. One has to be false ; which results in the removal of the account by law.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

In XXXX a fraudulent Capital one credit card was open in my name. 
I spoke to them to remove the item ; they are claiming to be still investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX.
Product: Credit card or prepaid card

I received a promotion offer from Walmart/Capital one for a Walmart store credit card which stated 5 % rewards back for in-store purchases for one year, I was approved and they said it was available for use on the Walmart app to use in-store immediately, I used the app to purchase groceries at my local Walmart and received 5 % rewards back starting XX/XX/2021, for several purchases, then on XX/XX/2021 they lowered it to 2 % rewards back. I called to ask why and the said you have to use the app to get the 5 %, and the reason it went down to 2 % was because I used the card and not the app, I explained that the promotion i received clearly states the I'll receive 5 % rewards back when I use my card in-store, its says nothing about in app only. ( see attached screen shot of the promotion )
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX Consumer protection bureau : XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TXXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My vehicle was covered by lender provided gap coverage and was involved in an accident causing the vehicle to be totaled. The insurance should have covered the remaining balance of the loan. I requested this information from the lender but wasnt given any information.
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by XXXX, XXXX XXXX, and XXXX on my Experian report. XXXX also pulled my XXXX report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated My Right..

15 U.S.C 1681 secton 602 A. I Have The Right Privacy.

15 U.S.C 1681 secton 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..

15 U.S.C 166b A Creditor May Not Treat A Payment On A Credit Card Account Under An Open And Consumer Credit Plan As Late For Any Reason..
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX - XXXX XXXX OF XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Debt collection

I have discovered some inaccurate information on credit report. Therefore, On XX/XX/2020 I requested an explanation for an investigation rom the credit bureaus for inaccurate information listed on the letter. After mouths of waiting for a response I have not been provided with any information from the credit bureaus. And I would like an update on my credit report within 30 business days.
Product: Checking or savings account

I had opened a Wells Fargo credit card and then without my consent weeks later a checking and savings account were opened.
Product: Credit reporting or other personal consumer reports

I am attaching copys of major inaccuracies on my credit report XXXX XXXX should not be on my report I have documents stating that that specific account was closed due to fraud and I can verify to you it needs removed along with other accounts Im attaching they are over 9 years old and they are not mine and I do not have a XXXX account nor did I ever that is false information and Im tired of the credit bureaus attacking me and they are lying about my on time payments to XXXX and to XXXX XXXX  and I have proof that I pay these accounts on time they need to comply
Product: Credit reporting or other personal consumer reports

This morning, I was taken aback to see inaccurate accounts appearing on my credit report, and I cant understand how this occurred. When I checked my report, which I do regularly, these discrepancies just appeared out of nowhere. I thought it might be a browser issue, so I refreshed, but the incorrect accounts were still there. This situation is causing me a lot of XXXX, so Im asking for a careful review of the documents Ive sent to prevent this from ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not agree to this service. I called to cancel. Rather than cancel and issue a refund, the rouge agent began to warn that my information could end up in the wrong hands. I understood that to mean he was going to make sure it did. 

He agent then hung up on me. No refund was issued. ( I believe if I become a victim of identity theft it will be the result of this agent releasing my personal information ).
Product: Credit reporting

On XXXX XXXX, 2017, I went online to obtain my credit score. My credit card company, XXXX, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my XXXX score, I should call TransUnion, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from TransUnion. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XXXX XXXX I called TransUnion at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that XXXX was using a different scoring model than TransUnion does ( they mentioned XXXX ). They were denying that they even supplied the score that XXXX was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between TransUnion and XXXX, and they refused. They told me to go back to XXXX for any explanation of the score. So I called XXXX at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the XXXX site XXXX XXXX or TransUnion. The XXXX Customer Service Rep. claimed they simply posted the information provided to them by TransUnion, that XXXX DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact TransUnion for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just XXXX or two months without any negative data to support it.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY 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 of 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

Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX 3.0 they notify of any changes in credit scoring on both Transunion, and XXXX. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX  the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/XXXX ) this company is still practicing in the same unfair credit reporting ways to  the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with Transunion and XXXX, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an explosive Chemical plant on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on XXXX   because of XXXX. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or Transunion. Why I'm I not being treated with fairness in this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 ) ( ACCT 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.

MY DISPUTE IS CLOSED NOW BUT IT WAS ( XXXXXXXX )
Product: Debt collection

Was contacted at home by someone claiming I owed over {$5000.00} for a debt that was supposedly only {$800.00} tried to obtain information about said debt. Representative was continuously rude saying I knew exactly what the debt was and that I owed it. I honestly dont remember this debt. I asked if this was a time barred debt to which I received no response other than I would be recieving court papers in the mail from a local attorney over this matter and once I did I could ask them all the questions I wanted to. I did manage to find the representative I was speaking with worked for XXXX, XXXX, and XXXX. I made sure they had the proper address on file to send me the paperwork ( the rep read it to me I didnt give it ) however if this is indeed a debt I owe, which I dont believe it is, it would be a XXXX year old debt I would like them to A ) stop contacting me B ) Stop violating the law by trying to intimidate and collect a debt that I dont believe I owe and is well past the statute of limitations.
Product: Mortgage

I entered into a Home modification loan to enable me to keep my home. I had rented my home out and had a hard time getting my tenants to move including taking them to court, so the house payment was not made for 2 years. I was going to just give the house back to Wells Fargo but decided to keep it and do this modification. In the long run it went thru but they said by the time they tacked on the fees and interest etc, my new loan was going to be for {$230000.00}, how can this be? The house is not a XXXX home. Can someone explain if I got took or not?
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and incomplete information is being being reported across XXXX, XXXX, and EQUIFAX. Collection accounts showing recent past due status and recent late pay status to keep scores low. Closed charge off accounts with recent past due status and recent late pay status to keep scores low. This has been done for over 2 years. Re-aging of derogatory accounts to make them look more recent to lower scores. All violations of the FCRA. All 3 bureaus are reporting inaccurate information. The bureaus did not share the XXXX when accounts were deleted from a dispute. Inaccurate reporting is not adhering to Metro 2 guidelines/standards of deleting inaccurate accounts/information. Updating and correcting disputed information instead of deleting the account as requested.