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

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information Please Remove all the following accounts removed XXXX  XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that XXXX didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Debt collection

I applied for a {$1000.00} loan online with XXXX in 2011 and I paid back {$2500.00} and they still say I owe them and the debt was not paid in full. I filed a complaint against them with the XXXX about 3 years ago due to threatening phone calls from them at home and my work and I did n't hear from them again until over the last few weeks a company called NE Processing in XXXX XXXX NY has contacted me and told me I still owe over {$700.00}. I asked for validation of their company and they sent me a letter with the amount I owe on it. They told me if I ca n't prove I paid this loan in full, they are going to start legal proceedings, it 's been almost 5 years?? I know that XXXX XXXX XXXX scammed me because they tried to charge me XXXX % interest on the {$1000.00} which means I would have to pay back over {$3000.00} to have it paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to Transunion to remove a dismissed bankruptcy from my credit report. They receive their information from XXXXXXXX which contains incomplete and inaccurate information. It also does not provide complete SSN 's. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is their company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings.
Product: Credit card or prepaid card

XXXX XXXX is on my credit report. I never authorized this hard inquiry. They will not help get this matter resolved and I did not submit an application for credit. They told me they would send this to fraud. They transferred me to many departments and did not know how to resolve this matter. XXXX suggested I complete a police report.
Product: Mortgage

US BANK -- In regards to case Case # XXXX -- US BANK I think the point here has been missed. US Bank freely admits that they stopped sending me monthly statements on an account that has a different amount due every month as well as revoking access to the account so that I could not make payments. They are clearly at fault here for the only missed payment I have every made. During the time that this account was in their " Lien Monitor '' status I was also unable to make any payments. I spent hours each month in my local branch trying to sort this out, even the branch manager did NOT know how to make a payment on this account. I have multiple hours of calls recorded where US Bank associates repeatedly tell me that I CAN NOT make a payment on this account. <P/>The delinquent taxes were from before I owned the property and before this HELOC was opened but I paid them as soon as I found out about them. which was last XXXX. The response letter also states that I made payments for XXXX through XXXX, but my credit report shows no payments from XX/XX/XXXX until XXXX of XXXX, which their letter clearly shows in not the case I am not sure how US Bank can just say, yes we did that and no, we are n't going to fix that, messing up my life for the next 10 years. What 's even more egregious is how the original case would be closed with that as an acceptable answer. It seems to be more of a Bank protection bureau not a consumer protection bureau. <P/>US Bank fully admits revoking access to the account as well as the ability for me to even make a payment. I have 2 of US Bank 's own branch managers that are just as shocked and confused by this as I am and fully agree with me that this should not be reported as a late payment since even they could not figure out how to make payments to this account, Each month took a minimum of 2 hours in a branch to make payments which was time off of work as well and I have about 6 hours of recorded phone calls with US Bank repeatedly telling me that they CAN NOT take a payment from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Walmart These were just a few I noticed I didn't apply for called company didn't remove
Product: Debt collection

I ordered on line a 48 '' TV set from Walmart for {$400.00}. The first week of XXXX. Notified it would be delivered XXXX XXXX. Arrived XXXX XXXX by XXXX badly damaged. I notified Walmart and they arranged for XXXX to pick it up XXXX XXXX. I had no shipping label so they would not take it. Meanwhile, I went to Walmart and bought another TV. For the past two months, I have tried to make a return. I have chatted 6 to7 times with Walmart reps. I called their customer service rep. three times. All assured me that it would be taken care of. Today I received an email that it has been over 90 days since I received the TV and they are re-billing my credit card for XXXX. The main problem is that I do not have the right equipment to print out a shipping label. The answer to that was at least three reps. on chat said they would send me one. The last chat the supervisor told me a private shipping company would pick it up as they do n't mail out shipping labels. As of today that has not happened. We are seniors, live in a mobile home park and leaving XXXX XXXX to celebrate XXXX years of marriage with family in Ga. Will be gone near three weeks. Without help from Walmart the TV will still be here and we have to pay {$400.00}. It can not be returned to a store and my husband being XXXX I am unable to handle it.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} / XX/XX/2022 XXXX XXXX XXXX XXXXXXXX / {$550.00} / XX/XX/2022
Product: Consumer Loan

I have a vehicle loan with Santander Consumer. I 've been trying to pay this off by paying towards my principal. My XXXX/XXXX/2015 statement said the balance was {$8800.00} with a principal of {$8700.00}. On XXXX/XXXX/15 I made a monthly payment of {$470.00}. I called the company around XXXX/XXXX/15 to make it known that I would like to send in payments towards my principal. I explained this was n't possible online through the company 's website. I was advised that I had to make a payment XXXX then call in to make them aware the payment was to go to the principal only. On XXXX/XXXX/2015 I made a {$1000.00} payment towards my principal and called in as I was advised to do. The company applied so much towards the payment and the rest towards the interest. I kept calling in to have this corrected. The company kept saying it was being taken care of. My XXXX/XXXX/15 statement came and stated the balance was {$7500.00} and a principal of {$7400.00}. So on XXXX/XXXX/15 I made another payment of {$1000.00}. Same thing happened after calling in and making them aware the payment was for the principal only. Since then I paid my XXXX/XXXX/15 regular payment of {$500.00}, ( but the regular amount is {$470.00} ) on XXXX/XXXX/15. I called in on XXXX/XXXX/15 to do another principal only payment of XXXX. I called back to ask what was the balance before the principal and got a price of {$6000.00}. I asked how after I have made principal only payments and XXXX monthly payments. I believe my balance after the XXXX/XXXX/15 principal balance and the payments I have been making that this is TRULY and error. I keep getting the run around about this so I asking Consumer financial to follow through with this so I may be treated fairly and pay what I owe and not be cheated. I was informed that I ca n't get a number to the accounts department because the company only communicate via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have send several letters with supporting documents to XXXX, XXXX and XXXX requesting my name change, address change,4 closed accounts and 9 Hard inquiries to be removed but all 3 credit bureaus have failed to assist me with my credit score instead my credit score is being sabotaged.Please I am asking for help to fix this issue.Thank you.
Product: Credit reporting or other personal consumer reports

XXXX is not allowing me to file disputes an has deleted pass dispute investation results of two collection first Credence Resource Management ( XXXX ) XXXX was to be removed XXXX $ I dont owe this debt it was removed previously under another collector an has been investagated remove this item second XXXX XXXX ( XXXX  ) for XXXX $ should be removed someone opened this acct while I was a resident of Illinois this is not mines and should be removed I did not open this acct
Product: Credit reporting

TransUnion..this agency had many incorrect spellings of my name, XXXX extra social security number on my file, many addresses I never lived, and many derrogatories that did not belong to me. 
I placed a fraud alert on my file and began disputes. To my knowledge the above mentioned has been corrected. 
My complaint today is in the dispute processes..transunion deleted XXXX loans XXXX loans of my high credits, my truck pd off in XX/XX/2014.they also deleted all but XXXX of my positive XXXX loan reportings. They wiped out my positive reportings and high credit seemingly to keep my score below XXXX. 
The bank that originally reported my loans claim they no longer report to transunion. Because of these deletions I cant qualify for any credit, keeping my score very low. 
Im sending pictures of the accounts they deleted unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and i want them off because its fraud these people just get in on my nerves and I have completed a police report and included the FTC report with this complaint along with XXXX forms of ID. Please delete this information from my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$9600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$140.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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: Vehicle loan or lease

The company has been harassing me about payments when I keep asking for the contract. I was informed that I needed to set up an online portal to see a contract. Ive informed the reps that I would speak to that I need a physical copy and was told that I could not.
Product: Checking or savings account

I attempted to use XXXX through my bank and it advised me my account was to restricted and to call. After calling the agent was able to give me very generic information regarding the reason for the restriction, and advised me to go to a branch for more information. But due to Covid19 all branches in my area only has drive thru access. 
I was never notified of this said restriction and don't know what caused it, I would like a clear answer as to why my account has this restriction on it.
Product: Credit reporting or other personal consumer reports

i can not access my credit report even though i mailed to them my id, passport etc yet it been over a month and still no complete credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Called synchrony bank and they said '' unable to verify identity. '' I found out my social security number is being associated with someone else. They didn't try to help me. This happened on XX/XX/2022. My name is XXXX XXXX. I applied for sams club business Mastercard. This was my 4 denial with the same reason. The name of lady that used my social was XXXX. They told me that
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I went to apply for a credit card from a XXXX and was denied because of collections and incorrect information not matching what I provided. I went to XXXX and requested my 3 credit reports. The one from transunion had the most incorrect information. The first certified mail was on XX/XX/XXXX in which I included my identity theft report I filed with FTC. I sent all the supporting documents including my driver 's license. The sent me numerous letters requesting for validation address which I needed to provide my license and legal documents that's shows my current address in which to removed addresses that aren't associated with any open or closed accounts. Right now I currently have 5 known addresses on my report. I also provide my correct Telephone number which is used as my security alert. They now have 2 phone number listed for me. I've also disputed the 2 hard inquiries on my accounts which aren't associated to me because of identity theft which I provided transunion a copy of that report sent certified mail. I also sent a money order I purchase for {$9.00} on XX/XX/XXXX from the United state postal service and sent it certified mail for my credit score. As of today XX/XX/XXXX the money order was cashed and I never received my credit score. I've sent a total of 6 certified mail from XX/XX/XXXX to XX/XX/XXXX. Ive sent all required information to process my dispute. After losing my mother in XXXX, i havent had the time to follow up with my dispute. I requested my free credit report XX/XX/XXXX. On XX/XX/XXXX I contacted transunion with my dispute questions and where my credit score was and was told it was above their pay grade to answer my questions and they would send it to a supervisor for review. 
Under section 15 USC 1681 et seq, Is federal legislation enacted to promote the accuracy, fairness and privacy of consumer reporting agencies.
Product: Debt collection

An entity with phone number XXXX keeps calling my cell number XXXX. They call for " XXXX XXXX '' ( sp? ). 
I do not know any " XXXX XXXX '' and I have told that to the caller many times. I ask them to stop calling. They say they will stop calling, but keep doing so. I have had this cell number for many years. 
I wish them to stop calling.
Product: Credit reporting or other personal consumer reports

There are two inquiries listed on my Experian credit report from XXXX XXXX that I did not authorize. I contacted XXXX XXXX and spoke with a XXXX she told me I need to dispute it with the credit bureau. I did not sign anything, I did not visit a dealership or ask anyone to run a credit report. Please remove immediately if not I will sue XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry by the name of XXXX. I dont ever recall applying for this account without any consent. 

This does not belong to me. I have no relationship or account with this creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXXXXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Please see complaint # XXXX that was closed when Barclays claimed to have refunded the charges and closed the account. 

I am now receiving statements with charges once again. 

Balance as of XXXX XX/XX/XXXX is {$160.00} ; how is it possible to get this company to do the right thing? 


Thank you, XXXX XXXX
Product: Debt collection

XXXX, Transunion and XXXX, please remove these inquires as I DID NOT authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT : XXXX XXXX XXXXXXXX ACCOUNT REPORTING EXPERIAN AND XXXX I disputed a collection with XXXX AND EXPERIAN several times because it has FCRA violations reporting. The violations that this bureaus are making is to report this account differently on each credit bureau. If the account is the same reporting why day of las activity, date opened are different? also another violation of the FCRA is that the account is a collection account and it's still reporting as OPEN in XXXX ACCOUNT : XXXX XXXX XXXX : XXXX EXPERIAN XXXX I have disputed this account several times with the bureau and as well with the creditor. There is a lot of violations within this account. First the account number of the account reports different on XXXX and Experian. last day of activity, amount owed, account status, creditor remark are all different reporting. XXXX states that " this account meets the FCRA requirements '' when there is clearly discrepancies on what they report. This account is a collection account and XXXX reports the account as " OPEN ''. 
I also asked for a validation letter on this account from XXXX XXXX the amount they state that is owed is {$2300.00} ( please see attached ) and the amounts reporting on the bureaus are XXXX {$2200.00} and EXPERIAN {$2300.00} ACCOUNT : XXXX XXXX XXXX  XXXX XXXX On the remarks from this account states " Account information disputed by consumer, meets FCRA requirements '' when clearly this account violates the FCRA . A collection shouldn't report as a " Open '' also I have try several times requesting a validation on this account and I have never received an answer. If they can validated this account the account needs to be removed Also find attached certifications from the letters sent to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, OH XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX , I do not own these phone numbers please delete : ( 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 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 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 in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX R XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7800.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX  XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not my account or inquiry.please delete.