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

In XXXX, I was the victim of identity theft however, I did not discover the theft until XXXX. After I discovered my identity has been stolen, I contacted each creditor and all three credit bureaus to dispute the accounts. In addition, I completed an identity theft affidavit on XXXX. I provided the affidavit to each of the credit bureaus and requested help with remove the fraudulent accounts. No action was taken by the credit bureaus. I have been trying to dispute the fraudulent accounts since XXXX by sending dispute letters and identity theft affidavits as required by federal law. The accounts have not been removed. I have also contacted the local police department. They have advised a case can not be opened for identity theft unless I can identify the person that stole my identity. The police have also advised since the theft took place in XXXX, it would be difficult to track down the person responsible. The credit bureaus respond to my disputes with standard letters stating debt validated. The bureaus do not provide any additional information. I have asked for copies of the applications, as I would like to provide them to the police. No information has been provided. XXXX XXXX sent me credit card statements. I'm not sure why. The statements only show the purchases made by the person that stole my identity but do not provide any information in helping me determine who or getting this situation resolved. In total, someone stole my identity and create debts in excess of XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of inquiries that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a credit alert stating that my XXXX mortgage payment was past due XXXX days. I reached out to Equifax and XXXX explaining that there is no way the payment could be XXXX days past due for XXXX, because the month of XXXX was just starting it was XX/XX/XXXX. 
I filed my dispute online with Equifax. They sent me a copy of their investigation report showing that the mortgage payment was indeed paid on time for the month of XXXX but also stated in the same report that after investigating they found results to be accurate. I am not sure how an XXXX payment paid in XXXX reporting XXXX days past due is accurate. The investigation report shows me making both XXXX and XXXX payments on XX/XX/year> in the amount of {$2300.00}. My payment history shows that I pay my mortgage at the end of every month. I tried to submit proof document from my payment portal to Equifax and was not allowed to do so. I received a message stating I had already disputed. I tried to upload documents to XXXX and received the same error message. I contacted both XXXX and Equifax with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

XXXX XXXX dba Supreme Lending has taken over 90 days and counting to close on my loan. I have had to pay for 3 extensions through HUD due to Supreme Lendings underwriting department taking 3 weeks to review my loan documents. Please investigate this!!!
Product: Checking or savings account

Around late XXXX XXXX XXXX citibank froze and began the process of closing my account. They would not identify their reasoning. I was unable to stop my XXXX social security payment of {$850.00} from entering the account in time but per the US Treasury, it did enter the account despite the fact that citi 's email regarding the account closure said further deposits would be blocked. Additionally, there was approximately {$990.00} and change in account in question that they're refusing to release. Again they will not provide any further information and have been completely intransigent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ar, XXXX XXXX XXXX Date : XXXX/XXXX/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate and Incomplete Credit Dear XXXX , I am writing to dispute inaccurate and incomplete information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to have my credit report contain only accurate and verifiable information. As such, I request the immediate removal of the following items from my credit report as they are inaccurate and incomplete : Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ Insert account number if available ] Balance : {$1400.00} Reported Open Date : XXXX XXXX, XXXX The information reported in this account is inaccurate for the following reasons : [ Explain the inaccuracies, e.g., I do not recognize the debt, or This account is incomplete, as it does not include my timely payments, or This debt has already been settled. ] Case Law Supporting My Request : " Cushman v.XX/XX/XXXX Corp. '' ( 2001 ), 115 F. Supp. 2d 1093 ( D. Or. 2001 ) : This case emphasizes that the credit reporting agencies have a duty to ensure the information on a consumers credit report is complete and accurate. If a credit reporting agency fails to correct or remove information that is shown to be inaccurate or incomplete, it may be held liable under the FCRA.

" Dennis v. BEH-1, LLC '' ( 2007 ), 520 F.3d 1066 ( 9th Cir. 2007 ) : In this case, the court held that credit reporting agencies must perform a reasonable reinvestigation of disputes and remove any negative items that are not verifiable or found to be incomplete or inaccurate.

" Pinner v. Schmidt '' ( 1986 ), 805 F.2d 1258 ( 7th Cir. 1986 ) : This decision reinforces that a consumers credit report must not contain unverifiable or incomplete information, and it further mandates that the reporting agencies must investigate any dispute to ensure the accuracy and completeness of information. 
As stated in the above cases, I request that XXXX conduct a thorough investigation of this account and remove the inaccurate and incomplete information immediately. The FCRA mandates that any item found to be unverifiable or incomplete be removed from the credit report, as was outlined in Dennis v. BEH-1, LLC. 

In accordance with the FCRA, please provide me with a written report detailing the results of your investigation and the actions taken. Should the disputed information remain, I expect clear documentation proving its validity. If XXXX is unable to verify the accuracy and completeness of this account, I request immediate removal from my credit report. 

Please notify me of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Last year someone opened a Kohls department store card in my name without my consent. Whoever accessed my info made frivolous charges on my behalf. I have no knowledge to how my info could have been obtained
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX was XX/XX/XXXX, but o response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which sates that continued reports of the unverified information without any proof provided, within the time allowed by laws, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Could not add funds To XXXX  account
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 i sent a person money through my bank account and a zelle payment only to later find out that the person i sent the money to was a scam and the bank would not refund the payment. I have filed a Police Report and still awaiting the next step but the money was never returned from the person or my bank. I sent XXXX from my XXXX  XXXX checking account.
Product: Credit card or prepaid card

The following company : Comenity Bank/David 's Bridal is reporting a late payment on my credit report. I have mailed letters to this company since last XXXX and have not received a written response from them. I have also contacted them via telephone and they're not able to find my name, social,, or phone number in their system. I'm asking that you remove this late fee from my credit report being that it's evident that this is not my account.
Product: Credit reporting or other personal consumer reports

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX. It has been over the 30 day response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the 30 day time frame. ) ) Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported the wrong balance owed to the credit beaurus the amount of XXXX. The correct amount owed is XXXX not including the payment I made that's pending to post. I included screenshots of what the bearus say I owe XXXX shots from my account of what I actually owe. including my social and I'd for verification XXXX
Product: Bank account or service

Sign up for a Citigold account for sign up bonus of XXXX XXXX XXXX XXXX miles if XXXX ( XXXX ) bill payments were completed. The account was opened XXXX/XXXX/15. Used bill payment on XXXX several times and in XXXX Several times. It was confirmed by a representative that all requirements for the promotions were met. They asked for the frequent flyer number so the miles could be awarded. I never received the miles. the account was closed as well ...
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX card is showing on my XXXX credit file as written off n charged off with a balance of XXXX dollars I called n asked for a 1099 c form I was told that it wasnt written off n they are reporting inaccurate information I would like this account removed asap per FCRA laws it was updated on my file XX/XX/year> account number XXXX premier bkcrd/ first premier please remove or I will repot the company to the irs n sue its on my trans union XXXX XXXX XXXX file please remove the call was recorded n which I told the agent
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute all negative remarks on my credit report due to the protections afforded under the Servicemembers Civil Relief Act ( SCRA ). As an active duty military service member, I am entitled to specific protections under this federal law.

The SCRA prohibits creditors from making negative reports to credit bureaus regarding obligations that are subject to relief under this program. Specifically, creditors must accommodate the financial challenges that arise from military service and can not penalize service members by reporting delinquencies or defaults related to obligations covered under the Act.

I request a full investigation into the negative items reported by [ list specific creditors, if known ] on my credit report. Please contact the creditors in question and verify whether their reporting practices comply with SCRA guidelines. If any inaccuracies or violations are found, I ask that these items be promptly removed or corrected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a hard inquiry made by Mr. Cooper without my authorization. 

# 1 Filed Bankruptcy on this mortgage in XXXX, XXXX ( case # XXXX ) Removing me from the Mortgage Note, but not the Deed, initially with XXXX, sold to Nationstar, AKA Mr. Cooper. ( No intentions to reinstate this loan/Debt ) # 2 My husband wanted to refinance the mortgage in his name only and has been contacted by : XXXX XXXX NMLS ID XXXX Nationstar Mortgage d/b/a Mr.  Cooper ( XXXX ) XXXX XXXX Address : NSTAR/COOPER XXXX XXXX XXXX, TX XXXX # 3 I never even spoke to XXXX XXXX to give Authorization to pull my credit, let alone where did he obtain my SS #? My husband never gave him it. 

I am absolutely furious that XXXX XXXX somehow found my SS # and used it to run a credit history to refinance a mortgage that I never authorized, this is fraud, illegal, and Identity theft.. 
I was able to get a hold of Mr. XXXX XXXX to ask him why he illegally ran a credit report on my behalf without my authorization, and how he was able to get my SS #. 

His reply is that because I am married my husband can authorize for me, NOT TRUE! 
( How often does Mr. XXXX use peoples SS # to obtain info without Authorization ) or ( by asking a spouse or significant other??? ) My husband never gave Mr. XXXX my SS #. XXXX also stated : and it doesn't matter if I filed Bankruptcy because my name is still on the note, Still does not answer how he obtained my SS #, ran a credit report and why he cant remove the hard hit on my credit report. 


I want this investigated and this hard inquiry removed from my credit report! 

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

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Transunion credit report : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Transunion but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 502A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.
Product: Credit card or prepaid card

Synchrony financial closed my Care Credit account a few weeks after the Covid-19 pandemic started. Because my credit score was in the " excellent '' range, and because my " on time '' payment history on all debts was 100 %, I attempted communication with the company on 3 different occasions. I was told that recent activity on the account suggested risk of nonpayment. Synchrony proceeded to close down my XXXX 's store account as well as my XXXX XXXX account a month later. This has had a negative affect on my credit score, and their stated reason for doing this still does not make sense.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and have been listed in two separate data breach incidents. Namely XXXX and XXXX XXXX. As a result, I was notified by IRS that someone filed taxes using my name and social security number. I filed a FTC report and IRS identity theft affidavit form XXXX. I feel that my previously disputed accounts were not investigated or any inaccurate information removed as result of identity theft. These are to include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was removed from my credit as charged off then debt was sold {$1100.00} I also disputed all hard inquiries that were done without my knowledge and are not connected to any accounts opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition I requested that all old addresses except for my current be deleted from my credit report to avoid further attempts with identity theft since it occurred using my previous address.