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

I am filing this complaint against TransUnion for failing to acknowledge my previously submitted identity theft report and for its non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent items be blocked within four ( 4 ) business days upon receipt of a valid identity theft report. 

Details of the Issue : On XX/XX/XXXX, I submitted a complete and valid identity theft report to TransUnion, along with proof of my identity and a letter identifying the fraudulent information that appeared on my credit report. 
The fraudulent account in question : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX As of today, TransUnion has failed to acknowledge receipt of my identity theft report and has not blocked the fraudulent account, despite the legal requirement to do so within four ( 4 ) business days.

Actions Taken & Lack of Response : I initially contacted TransUnion regarding this matter, but I did not receive confirmation that my report was received or processed. 
I have now re-submitted my identity theft report, ensuring that it satisfies all FCRA requirements. 
My identity theft report is valid, and I have provided : A completed identity theft affidavit filed with the Federal Trade Commission ( FTC ). 
A police report detailing the fraudulent activity. 
Proof of my identity ( drivers license, Social Security card, and recent bank statement verifying my address ). 
A letter specifically identifying the fraudulent account and confirming that I did not open, authorize, or benefit from it. 
Despite meeting all legal requirements, TransUnion has failed to fulfill its obligation to remove this fraudulent account. 
Request for Regulatory Intervention : Given that TransUnion has failed to comply with its obligations under FCRA within the legally required time frame, I am requesting the CFPB intervene and take the following actions : Require TransUnion to immediately block and remove the fraudulent account from my credit report as mandated under FCRA Section 605B. 
Investigate TransUnions failure to acknowledge identity theft reports and its non-compliance with FCRA-mandated timelines. 
Impose any appropriate penalties or corrective measures to ensure that TransUnion adheres to federal consumer protection laws in handling identity theft disputes. 
I appreciate your prompt attention to this matter and look forward to a resolution that ensures my credit file is corrected and protected as required under the law. Please let me know if you require any additional documentation or information to assist in your review. 

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

A COLLECTION ACCOUTN WAS PLACED BY COLLECTION AGENCY MRS BPO ASSOCIATES ABOUT A ACCOUNT FROM DISCOUNT POWER. I MADE A DISPUTE THROUGH XXXX AND THE ACCOUNT FELL OFF MY CREDIT REPORT, HOWEVER I ALSO MADE IT THROUGH XXXX AND THE DISPUTE WAS UNSUCCESFUL. I CALLED THE ORIGINAL ACCOUNT HOLDER DISCOUNT POWER TO FORMALLY DISPUTE AND THEY PROVIDED ME WITH THE FOLLOWING INFORAMATION THAT MY SOCIAL SECURITY IS NOT MATCHING MY FULL NAME XXXX XXXX AND ADDRESS THAT IS ON FILE IS NOT MATCHING MY CURRENT ADDRESS THAT I HAVE OBTAINED FOR 4 YEARS. THE COMPANY AGREED TO REMOVE IT AS LONG AS I HAVE A FRAUD CASE REPORT TO PROOF THIS ACTIVITY. I ALSO HAVE FROZEN MY ACCOUNT FOR FUTURE FRAUDS TO BE HAULTED FROM BEING USED. XXXX HAS ALSO AGREEDED TO THE REDISPUTE WITH THE FRAUD REPORT
Product: Credit reporting or other personal consumer reports

XX/XX/year> I SENT MY FTC REPORT AND LICENSE TO XXXX TO REPORT IDENTITY THEFT.
Product: Mortgage

After filling out an online application with rocket mortgage I was contacted by XXXX XXXX. I told him in the course of that conversation that my house was manufactured home. They accepted my loan I submitted all my required documents and forwent the other companies I had contacted. 10 days later, after locking in my rate, I was told that they couldn't complete the loan because it was manufactured home. Because of rapidly changing mortgage rates I will ultimately pay {$72000.00} more over the course of the new loan. I believe rocket mortgage knew from the beginning they couldn't service my loan and forced me to submit documents to my detriment. They refuse to allow me to listen to the recording of our conversation where I disclosed on day one it was manufactured home.
Product: Consumer Loan

On XX/XX/XXXX, My vehicle was remotely disabled automatically. I did not know until XXXX XXXX morning I was on my way to go to church. My car would not start. I want to file a complaint against Credit Acceptance corporation regarding this matter. I want to be compensated for the loss that I suffered regarding this matter. I was not able to go to church nor was I able to deposit my payroll into my bank account. In addition, I was not notified in advance by Credit Acceptance. Credit Acceptance did not notify me in writing, nor by telephone, nor in person of their actions. 
According to my knowledge, I set up automatic electronic payments for my car payments ever since XX/XX/XXXX. Why, they have not taken out the funds I do not know. Credit Acceptance made no contact to me regarding this matter. If there were an issue I was not informed by no one from Credit Acceptance. 
Also, on a daily basis Credit Acceptance Corporation is stalking me at work continuously. I want this stalking to stop immediately. It is very annoying and it is a criminal offense. Not only that, there is no need for Credit acceptance to stalk me at my place of employment. I want this stalking activity to cease immediately if not I 'm reporting it to the local Police authorities.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX Equifax Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : XXXX CARD SERVICES Inquiry made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX XXXX made on : XX/XX/2023 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of deletion
Product: Credit card

I have a milestone credit card I am having difficulties making my monthly payments I have since closed out the account I am on Social Security XXXX I called milestone to see if I can get on a financial hardship program they said NO!. I DON'T UNDERSTAND HOW COME I HAVE TO GO TO A CREDIT COUNSELING AGENCY TO PAY THEM MONEY THAT I DON'T HAVE TO GET MY MONTHLY PAYMENT LOWERED WHEN I CAN NEGOTIATE EVERYTHING MYSELF. I want milestone corporate to contact me to explain to me how come I can not have my monthly payment lowered because of financial hardship. Thank you. 
XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I believe my current profile may be part of a data breach. I do not recognize these items would like them immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required 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 XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several collection accounts with this agency and they should be from XXXX and XXXX. However they were reaged to XXXX ... When the creditor took it over. This account has been illegally reaged.
Product: Credit reporting or other personal consumer reports

There is 2 ACCOUNTS on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified information to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified ACCOUNTS are XXXX XXXX  account number : XXXX. The second account account is XXXX XXXX XXXX account number : XXXX. These 2 accounts are not information related to any transaction by me as the consumer : ** [ enter information here with account name and number or inquiry name and date** 15 US Code 1681 c2 a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.
Product: Vehicle loan or lease

On XX/XX/2022 I was denied an extension of my credit for an auto loan by USAA. I, XXXX XXXX, Consumer /Natural person rights were violated by USAA XXXX Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 U.S. Code 1691c and is pursuant to civil liability in 15 U.S. Code 1692k. Violations include 15 U.S. Code 1642,15 U.S. Code 1681m and 12 CFR 1002 being that I made an application in good faith, but credit was not issued. In addition my Social Security Number ( credit card ) was used and I received NO benefit proving this to be proof of fraudulent activity, unauthorized use of a credit card by USAA. If USAA fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make USAA criminally liable for ALL DAMAGED PURSUANT TO 15 U.S. Code 1681n and 15 U.S. Code 1681o! 

Credit : is the right granted by a creditor. A creditor is one who regularly extends credit, and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness. Therefore pursuant to federal law, USAA an not extend credit nor be a creditor. USAA stated I was denied the extension of my own credit due to delinquent past or present credit obligations. 
I know I am the consumer and original creditor shall not be discriminated agaisnt in any aspect of the credit application. I was discriminated against in the inital part of the application because I, in good faith execercised my right to extend credit ( 15 USC 1691 ). Not only is this discrimination, due to the fact that another consumer with a " better credit worthiness '' would get approved the extension of their own credit. This is UNAUTORIZED USE of my credit card ( 15 usc 1602 ( l ) ), I completed a credit application, my credit was checked, and everyone benefitted from this transaction except the cardholder. s I know am the original creditor I granted USAA the right to extend my credit. I granted the right to extend my credit with my credit card which in pursuant to 15 USC 1602 ( l ) is defined and will prove my Social Security Card number is the card credit device existing for me to obtain money. 
In pursuant to 15 USC 1681 ( a ) ( k ) - adverse action. No where does it mention denial of credit. Why is that? Dont you think under the laws governed on credit that it would mention credit under adverse action if can deny? Well it does not and that is because there is no denial of credit. Again I know am the consumer and the original creditor. Everything listed for denial are factors from a consumer report but not deciding factors. can not deny me an extension of my own credit. In pursuant to 15 USC 1611 USAA are criminally liable for misrepresentations, giving false and inaccurate information and also failing to disclose accurate information. 
Now Im demanding USAA approve me and extend my credit that I originally extended to USAA back to me. Regardless of what USAA have to say, they can not deny me of my credit. Otherwise show me the law that states it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synovus Bank of XXXX GA is fraudulently reporting that I have a credit card with them that has gone into settlement as of XX/XX/XXXX. They reported that I've been late since XXXX of XXXX. I opened a Synovus credit card in XXXX which was closed and went in settlement and was legally settled over 10 years ago. They have now just put it back on my credit file as if I just settled the account. I've called and spoken with the credit department and they admitted fault but will not respond back any longer to my calls nor will they remove. There are several recorded calls of me talking with them and their admitting to get the matter resolved. It is my suspecting there is someone in the company fraudently hiding or stealing money and looking to see who has old settled accounts and filing that as renewed bad debt with the IRS. I disputed the errors to XXXX  and called and spoken with one of their supervisors who also recognizes Synovus error. They have the phone calls recorded too but no one has taken action to remove fraudulent reporting. Both parties are responsible for poor consumer practices and have total disregard for one 's credit well-being.
Product: Credit reporting or other personal consumer reports

My credit report was use without my consent and there are accounts that i am not familiar with and I want to report it as fraud or identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to report a distressing incident of identity theft that has been ongoing since XXXX, which has resulted in significant financial loss and damage to my credit. Despite my best efforts, I have been unable to successfully rectify the situation due to the relentless actions of the perpetrators, who continue to exploit my personal information for their own gain. 
Recently, I experienced another setback when my gym bag was stolen, containing my wallet and cell phone. The individual responsible for this theft has not only gained access to my personal information but has also compromised my bank account. Substantial funds were withdrawn without my authorization, leaving me in a precarious financial situation. 
Furthermore, I have discovered numerous unauthorized inquiries from 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 on my credit report, indicating that the thief has been attempting to secure additional lines of credit and loans using my identity. These inquiries and accounts have severely impacted my XXXX XXXX more then XXXX points and have the potential to further complicate my financial stability. 
In addition to the aforementioned incidents, the thief has exploited my personal contact information, including my cell phone number, email address, and home address. They have even gone as far as using my photo ID, which was unfortunately stored in my stolen wallet. Additionally, my wallet contained not only my own Social Security card and ID but also my XXXX XXXX XXXX daughter 's Social Security card ( XXXX XXXX XXXX ), credit cards, and bank cards. 
Given the severity of these circumstances, I have closed my compromised bank account and establish a new one, Furthermore, I have cancel my debit and credit cards. 
I kindly request your urgent assistance and thorough investigation into this matter. I have already contacted XXXX XXXX Texas law enforcement twice once when I first found out that was a victim of identity theft in XXXX see report RE : XXXX and RE : XXXX. This report serves as an official statement regarding the ongoing identity theft, fraudulent activities, compromised bank account, and fraudulent inquiries and accounts in my credit report, along with fraudulent use of my social security number, ID, home address, email address and phone number. 
I deeply appreciate your understanding, support, and expeditious attention during this distressing time. If there are any updates or further information required, please do not hesitate to reach out to me. 
Thank you for your prompt action in addressing this matter.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Closed Account I am writing to dispute the late payment reported on my credit report for the following account : - Account Name : XXXX XXXX XXXX  - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX - Date of Alleged Late Payment XXXX, XXXX This account was closed and paid in full on XX/XX/year> I request that you remove the late payment from my credit report, as it is no longer accurate or relevant. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.

I have attached documentation supporting my claim, including : - Proof of payment and account closure - Copy of credit report highlighting disputed information Please investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.

Thank you for your prompt attention to this matter. 

Sincerely : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this dispute to address the ongoing issue with my XXXX  XXXX accounts being reported on TransUnion, despite my previous disputes. These accounts are not being reported by XXXX or XXXX, and I have repeatedly disputed their inclusion on my TransUnion report with no resolution. 

Details of the Issue : Repeated Disputes : I have disputed both XXXX  XXXX accounts multiple times, yet they continue to appear on my TransUnion credit report. 

Non-Reporting by XXXX XXXX : These same accounts are not being reported on my XXXX or XXXX credit reports, further indicating that they should not be present on TransUnion. 

Failure to Resolve : Despite my efforts, this issue remains unresolved, and these accounts continue to negatively affect my credit report and score. 

XXXX XXXX : I request that TransUnion immediately remove both XXXX XXXX accounts from my credit report and ensure that they are no longer reported. I also seek compensation for the harm caused by the continued inaccurate reporting of these accounts. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Ordered women 's XXXX XXXX XXXX sneakers on XX/XX/2020 along with several other items. Package was delivered on XX/XX/2020 however shoe box was empty, no sneakers were received. 

Tried to resolve with Macy 's customer service via phone number XXXX on XX/XX/2020 and was informed through the IVR no customer service agents are available due to COVID-19. 

Then tried to resolve via online at Macy's.com and received automated response that no customer service was available due to COVID-19. 

Macy 's credit card statement was received with charge of the order on XX/XX/2020. I tried to call phone number on credit card statement XXXX and was given same automated message that no customer service is available. 

I then tried to submit a credit card billing disputes through Macy's.com and was unable to add the Macy 's American Express card to my Macy 's account ( even though I verified all information requested twice ). 

I want either a refund for the purchase or I want the goods I had ordered sent accurately. It seems deceptive and unfair that Macy 's is accepting orders and yet the company is unable to process any claims for items not received as purchased.
Product: Debt collection

Personalised assistance after filing taxes is available with XXXX for XXXX XXXX. This service includes full IRS audit representation by XXXX, including planning, following up with the IRS, preparing documents, and representing you in meetings. XXXX also provides identity theft insurance and identity recovery through XXXX partner XXXXXXXX. Primary filers and their dependents are covered by this package, ensuring a smooth and efficient filing experience.