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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at Bank XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX and on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX and a XXXX credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent late payments, hard inquiries and charge offs appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge offs, late payments, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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 card

I attempted to pay my XXXX XXXX credit card through comenity bank website as I do every month but was unable to log on. I tried multiple attempts to reset my password but kept being told there was no record of my account. I later learned after my account went into collections that a different bank now owns XXXX XXXX credit card. There is no notice of this anywhere on the comenity bank website it just said it could not locate my account.
Product: Mortgage

Bank of America is reporting this Account to the Credit Bureau as LATE, this account was closed in 2009 for Foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date Opened0XX/XX/XXXX Dispute XX/XX/XXXX XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date Opened0XX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and accounts
Product: Vehicle loan or lease

I sold my car back to XXXX on XX/XX/2021, and the loan was handled by Bridgecrest. After I sold the car back to XXXX, I was supposed to get a refund from Bridgecrest for approximately {$610.00}.

Initially, Bridgecrest had the wrong address when I called on XX/XX/XXXX. I gave them the correct address and they assured me that the refund was on the way. After not receiving anything, I called them back on XX/XX/XXXX and asked for a status update. They mentioned that the ticket was in a holding pattern and wanted to make sure my address was correct. I confirmed the right address and continued to wait. 

I called again on XX/XX/XXXX, and one of their associates, XXXX, assured me that the issue had been corrected and that I would get my refund in the coming week. I reached back out to Bridgecrest on XX/XX/XXXX. They mentioned that the refund was issued on XX/XX/XXXX and I would receive it in 7-10 business days from XX/XX/XXXX. 
I checked my mail on XX/XX/XXXX, and the check was not in my mailbox. I reached back out to Bridgecrest today, XX/XX/XXXX, and XXXX, from their XXXX department, said that they sent the check to the wrong address again. I confirmed the address with XXXX different people over the last few months, yet they still sent it to my old address. 
If this were to send my payment in late, they would have charged me a ton of interest and fees. I just want my refund check.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive noticed an account on my credit report that was opened without my consent. This is a case of unauthorized and fraudulent use of my identity, and I need it taken care of immediately.
Product: Debt collection

I sent in a dispute letter on XX/XX/2022 in regards to the account National credit adjustment # XXXX being reported by XXXX. I did not receive any type of correspondence which validated the account. I do not owe this debt not to mention I never authorized anyone to use my information to obtain this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit checked today XX/XX/19 because I want to refinance my car and I am unable to do so because there are several accounts reflecting badly on my credit report. There are about ten accounts on my report that are not mine. I had no idea that these accounts were open in my name before today ; I did not give anyone permission to open all of these accounts nor have I ever opened an account with any of those companies. I did not benefit anything from these accounts nor did I take part in any transactions that were made with these accounts. I do not have any signed or verbal contract with any of these companies and I filed a police report regarding this matter.
Product: Mortgage

I make my mortgage payment every month through my bank accounts online billpay service and have done so for years. I typically pay my mortgage payment early. My statements started reflecting that I was behind a few months ago. I made several calls and sent emails but Lakeview Loan Servicing has still failed to post the missing payment. I sent screenshots of my XXXX XXXX  account as well as the confirmation number from the billpay service. Recently I went to XXXX where they researched the payment and provided a debit trace number which I have now also sent to Lakeview Loan Servicing. The payment was made on XX/XX/XXXX in the amount of {$1800.00} and was for my XX/XX/XXXX mortgage payment. I made another payment using the same method for my XXXX payment on XX/XX/XXXX and Lakeview received that and posted it as my XXXX payment. I have made my payments the same way for years and never had this issue before. The debit trace number provided by XXXX is XXXX. Lakeview has been mostly non-responsive and emailed me that my issue was resolved after my XXXX mortgage payment was received and posted by them.
Product: Credit reporting or other personal consumer reports

There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and XXXX and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. XXXX Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. Equifax : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was doing my yearly credit check since that is something I am trying to work on. I was able to pull XXXX of my credit reports. When it came to Equifax it stated they had no record of my history.
Product: Money transfer, virtual currency, or money service

I purchased XXXX electronic goods for my kids on the online platform " XXXX XXXX. '' A seller near me in XXXX XXXX put an ad for XXXX electronics for {$XXXX}, I contacted the seller and paid for them. The seller specifically requested a transfer via Cash App due to the Covid-19 pandemic and not wanting to break quarantine guidelines in the XXXX County area. I transferred {$XXXX} and the seller immediately blocked me from all forms of communication via mobile and online platforms ; in addition, the address provided to me to pick up the XXXX goods did not permit me to enter the residence and the address unit did not answer calls upon arrival at entrance. All in all, the " seller '' took my {$XXXX} and did not provide me the XXXX for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report. Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JPMCB Card XX/XX/XXXX and XX/XX/XXXX
Product: Mortgage

This entire process has taken over 90 days. The buyer of my current home and I both are using Freedom Mortgage. Our loan has been given a clear to close but the buyer of our current home is receiving no updates has to why his mortgage is stuck in underwriting. This is creating a dilemma for us because our seller does not want to sign another extension. I spent hours on the phone being bounced around between departments because no one could give us answers. My problem with this whole process is that its been 90 days and they should had all this paperwork looked through and done before the last week of closing. I will give it to Freedom that my buyers employer messed up paperwork but that shouldnt have held up the closing for a week and especially with no updates. I hope to resolve this but I am not confident that it will be in a timely manner and we might lose our future home, along with inspection costs, appraisal costs, and may be taken to small claims court by the seller.
Product: Credit card or prepaid card

Capital One fraud department called today that someone applied for a Capital One credit card using my personal information, including my social security number. 
Application # XXXX XXXX XXXX XXXX
Product: Debt collection

{$1500.00} XXXX XXXX billing sent to collections, while in talks with original billing company. When I first received a call from Wakefield attempting to collect on outstanding debt on which they added {$300.00} of interest to. After a couple of phone conversations with Wakefield, within the first month of the first contact with them, Wakefield asked that I send in a formal dispute with name, explanations, offered amounts, ect. I faxed the letter next day as well as certified mailed a copy to them, which they received two ( 2 ) days later. I never received one more phone call or mail correspondences since, and still have not to this date. 

Not until I had my credit report run was that it has been brought to my attention that I had a outstanding collections on my credit report from Wakefield, which has been active for 8 months, and is noted as under dispute. 

But Wakefield never responded to my dispute letter ( faxed & cert mailed ) nor have they ever contacted me again to collect. 

Note : I never said that I did n't owe anything, my insurance company first billed this as " IN-NETWORK '', showing I owed {$170.00} that was rejected by original medical billing company. then insurance billed at member rate for " Out-of-Network '' that was rejected. I did n't choose my anesthetist for my procedure, I did choose a IN-NETWORK doctor and Medical facility to have it done. I was firm in my dollar amount that I considered fair for the outstanding bill from the very beginning with both the original biller as well as Wakefield & Associates. 
Never was any document provided stating that Wakefield had the right to add interest to the amount, & XXXX response or follow-up regarding my dispute letter faxed/mailed. Then reported the debt to the credit bureau and has never made any contact attempts since disputed eight months ago.
Product: Credit reporting or other personal consumer reports

I requested detailed information that shows the balanced and proof I authorized this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a vehicle and needed a car loan. I received a letter from XXXX XXXX   after I purchased my vehicle. They informed me by letter that they turned me down because of my credit report from SageStream LLC giving me a score of XXXX. 
They also informed me that my score from XXXX was XXXX. Much higher than SageStream. My complaint is not with XXXX taking Sage Stream over XXXX  my complaint is they are taking a consumers information acting as they are a reputable credit reporting agency. When I called to talk to them about it all you get is a recording to go to their website. I am concerned that a non reputable company is allowed to have a consumers private information and are falsely misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I was notified by XXXX XXXX ( a payday loan lender ) in XXXX, Arizona that I attempted to apply for a loan online onXX/XX/XXXX. I did not apply for any loan with any lender. It was fraudulent and a police report was filed. The XXXX Police Department took the report and provided a case number : XXXX  The officer XXXX XXXX urged me to provide the report to credit report agencies and to XXXX XXXX in XXXX. I supplied the information to all XXXX credit bureaus XXXX, Equifax, and XXXX. In addition to the information, I requested an immediate freeze on my credit. I notified the credit agencies on XX/XX/XXXX by phone and mailed the police report along with a letter stating the inquiry and address used in XXXX, Pennsylvania was not mine. It was identity theft. As of XX/XX/XXXX XXXX and XXXX removed the address used and XXXX XXXX inquiries from my report. However, Equifax did not remove the fraudulent inquiry or address used to commit identity theft. As of XX/XX/XXXX, Equifax is still showing the XXXX XXXX inquiry from XX/XX/XXXX and the address used to commit identity theft : XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. It 's been over 13 months and Equifax will not comply with the request to have the fraudulent inquiry removed along with the addressed used to commit identity theft using my personal information. I attempted a third time on XX/XX/XXXX to have Equifax remove the inquiry and Pennsylvania address from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED ACCOUNTS 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

I have accounts older than XXXX paid charge off still showing late, closed accounts showing late. My personal information is to many times asked them to remove multiple addresses and spelling. Credit usage percentage is to high, they don't monitor the credit usage correctly all these mistakes make it difficult for me to live purchase things needed as a consumer to survive in an ever growing and changing economy. I need my report cleaned old accounts removed closed accounts late payments credit usage percentage corrected please help me. Thankyou
Product: Debt collection

In approximately XXXX of 2018, I was made aware of a collection account on my credit report. I was obtaining financing for a motor vehicle. The collection account was from XXXX XXXX XXXX for XXXX XXXX. The collection amount was {$1300.00}. I let the collection agency know that I did not have service with XXXX XXXX during the alleged time frame. In fact, I was not even living in an area that offers service from XXXX XXXX. I was living in XXXX XXXX, Arizona, and was taking care of my mother in law, who was terminally ill. I received a packet from XXXX XXXX about the possible ID theft. I have a few issues here : First, I have no idea where the alleged service took place. Therefore it is impossible to file a police report, as one of the first questions asked is : Where did the id theft take place?. The police will only file a report after verifying jurisdiction. Second, this debt is over 6 years old. Therefore in the State of Arizona, it is beyond the statute of limitations. XXXX XXXX is attempting to collect on a debt that is outside of the statute of limitations. I will also forward this complaint to the Attorney XXXX XXXX in the XXXX of Arizona. Third, I have never heard anything about any XXXX XXXX account until it showed on my credit report over 6 years after the fact. Fourth, I did have an issue with a family member using my information years ago. I guess that could be possible, however that family member died in XXXX of this year ( 2018 ). I ask that XXXX XXXX and XXXX XXXX remove this collection account immediately from my credit report.
Product: Credit card

I have requested information several times to Synchrony Bank in order to proceed with arbitration for the return of a payment that the bank authorized without my permission. I request that the bank provide me with the necessary information to proceed with arbitration for the amount of {$7600.00} paid to XXXX XXXX XXXX XXXX XXXX. 

I have repeatedly asked the bank to guide me through the arbitration process, but I have always been ignored. I need to initiate arbitration for a neutral decision regarding the charge of {$7600.00} on my Synchrony Home credit card with # XXXX XXXX XXXX XXXX. 
The Bank of allowed the fraudulent transaction on XX/XX/year>, for furniture that I did not accept. I rejected the delivery. All the items were rejected, I did not provide my signature in the delivery paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Capital One marked my credit card account as over 30 days delinquent -- due to a failure to pay the balance of {$230.00}. I was undergoing hardship and was simply unaware that I had incurred a balance at the time. Upon receiving notification of the delinquent status, I hastily paid the balance of {$230.00} on XX/XX/XXXX. Based on my long-standing history as a customer with Capital One ( XX/XX/XXXX ), I have in no other point of time been marked as late or delinquent -- in any line of credit. In addition, I have never maxed out or even come close to my credit limit ( {$500.00} ) as a customer with Capital One. I spoke with a supervisor within the company and they insisted that there was nothing that could be done to permit a goodwill removal of that late payment. After making 43 of 44 payments to Capital One on time, I believe as a loyal customer, I should be done a reasonable service and have this incidental delinquency forgiven from my credit report. It has been burdensome to my credit report and effectively -- my life, as I move through new phases. I hope you view my complaint justified ; attempting to negotiate with Capital One has been completely unreasonable. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to request an proper investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts, & I have sent multiple disputes out that I believe was never truthfully investigated. Some companies were removed from one bureau but still remained on the other two, then a few months later eveything came back. I have never used, obtain credit or owned any of these following accounts listed. 

XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/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. 

Account name : XXXX. XXXX, XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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.