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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 consists of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, collections, 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 # ( private case number ) 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 card or prepaid card

Today, XX/XX/2020, and several times by phone over the past five years, I have contacted Lowes Visa because I never received my rewards. I made sure they had my current address and phone number. Checked to see why I stopped receiving my rewards. They have never sent them. They say they'll fix it, but never do. Their rewards card is a fraud.
Product: Student loan

Navient is sending emails regarding recent payments and past due payments, including payment dates, to non-contracted parties. My sister is getting emails to an email address with her name on it that has no ties to me or the cosigner. I have requested this communication stop at least twice and it continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I began receiving texts stating that my payments were due. Originally, I assumed this was a wrong number text since I had not applied for anything through XXXX. But on XX/XX/XXXX I received a text stating that I was past due on a payment and using my maiden name. On the same day I also received a phone call and a voicemail stating that they needed to speak to me urgently about business matter. When I called back the customer service line I was told that I had an account for a payday loan, And my account was past due. Customer service representative stated that the account was linked to a XXXX XXXX checking account and the checking account was no longer active with enough funds in it. I do not have a XXXX XXXX checking account. I called XXXX XXXX and they were unable to find a checking account in my name or with my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXXThis 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an online inquiry about refinancing my home. I began to receive multiple calls, emails, text messages from different companies. One identified themselves as my current mortgage lender. This was fraudulent. I contacted my actual mortgage lender and allowed them to run my credit for a possible refinance on XX/XX/XXXX. I was contacted yesterday from someone that identified themselves from XXXX and asked about my refinance in process. They offered additional savings. However, they reran my credit under " Factual Data '' as a hard inquiry that was not authorized. Only XXXX was authorized to run my credit. Upon further review I noticed that " Factual Data '' has run my credit on other occasions that were not authorized XXXX & XX/XX/XXXX. No other companies were granted access to run credit reports with my information apart from XXXX. I would like these credit checks removed from my credit score.
Product: Credit reporting or other personal consumer reports

Both two students loans have been paid in full {$14000.00}. On XXXX XXXX XXXX

The creditor ED FINANCIAL HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE
Product: Credit card

My payment history has been timely, so this late payment is troubling. Please remove it from my account promptly. 
XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

Went to close our checking account and was told we were denied until we payed off are loan. Which we never knew about.was told we took out loan of overdraft line of credit we never did that. Back in XXXX they said is when it started. I remember being told by someone at the bank that I can get into a offer that I could put {$20.00} each month in case I would over draw on my account and I thought that was a good idea ( something like a savings account ) never knew about a loan.now XXXX trying to close the account and was told we owed them {$810.00} the interest is ridiculous. Never received nothing all this time not XXXX letter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened at XXXX XXXX Bank on XX/XX/XXXX under the account number XXXX, another account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$640.00} account # XXXX, another account XXXX XXXX  opened on XXXX {$290.00}, XXXX XXXX {$420.00} opened XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, 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 # ( private case number ) 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. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I was late past due 60 days then paid. This is a formal notice that your erroneous claim is now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Initially contacted by American Cordius International LLC ( address follows ) via letter through the USPS dated XX/XX/. They are trying to collect from a XXXX account that is not mine. I have never had a XXXX account nor is the email account referenced is not mine nor ever has been.

I responded to their letter ( see American Cordius International LLC letter dated XXXX XXXX XXXX XXXX that I filled out the bottom of the form and mailed it back to them within seven days. ( see enclosures ) I received another letter from American Cordius International LLC dated XXXX XXXX XXXX with information from XXXX a list of 18 transactions that were listed as either " Chargeback for '' and " Dispute Fee ''. Each had their own email addresses, again, none that are related to me. 

I have sent a letter to both XXXX and American Cordius International LLC requesting them to discontinue further efforts to collect this invalid debt. This is a very distressing situation as I have never had this happen before. 

I have sent another letter to both American Cordius International LLC and XXXX denying the account was mine following the FDCPA dated XX/XX/2023 ( enclosed ). 

Your assistance is greatly appreciated to coordinate closure of this issue. 

American Cordius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Honestly, I really do n't know what it is that you guys do over there. I am absolutely dumfounded that you closed investigations XXXX, XXXX, & XXXX right after I submitted more information which showed yet more concrete and undeniable evidence that Wells Fargo had made false statements about this loan. Not even ONE DAY after I submitted new documentation, you closed all three!!! Do you just take for granted whatever a bank tells you w/o doing any due diligence or even bothering to pick up a pocket calculator and doing a simple exercise in math which would have taken you two minutes to prove that I was right? You have wasted my time and yours because I actually thought that as the Consumer Fraud Protection Bureau, that 's what you do. I saw no analysis, no investigation, nothing of any sort that leads me to believe you actually accomplished any thorough review of the matter. You were given a trove of documentation that clearly laid out a pattern of errors and dishonesty on the part of the bank, yet you just accept whatever the bank said as gospel and nothing I said carried any value. I will be reporting this to my Congressmen and Senators ; your organization is patently and absolutely useless.
Product: Credit reporting or other personal consumer reports

I was able to attach all of my documents to remove tyhese accounts
Product: Mortgage

In XX/XX/XXXX I attempted to refinance my line of credit with XXXX. I was advised that Bank Of America had reported to the credit bureau that I was late on my account. I made several attempts to contact the bank only getting the run around. I had previously visited the bank before about my account as I made a payment that they stated they returned to me but I never received. On XX/XX/XXXX I visited the bank and was advised that I was behind in my payments, when inquired how, they advised they would send the breakdown of my payments. However, it was reported I was over 90d late. I then inquired where my bank statements were because I paid my normal payment that I had been paying. XXXX instructed me to pay {$680.00} in which I did and advised this would bring me current but still unable to explain why I was not receiving any notices or calls about my payment. I was advised Bank of America the Post Office changed the address of my billing but they did not know why and today still no response or explanation. Bank of America ( XXXX ) removed the late fees charged and advised they would assist with trying to get the late fees removed. I was then instructed by his supervisor to provide him with the information I had, once attempted, the information he provided was invalid. On XX/XX/XXXX XXXX said they should have contacted me about the change of address and gave case number of XXXX.No one has kept their word on contacting back in reference to this issue. Due to Bank Of America sending my monthly statement to another address and failing to contact me via phone, I was unaware my payments were late. In addition they advised they did not have a contact number for me, then verified my contact number but had never called. They are reporting negatively on my credit report for an error they made and failed to make good on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX **** Balance Owed : {$350000.00}, XXXX XXXX **** Balance Owed : {$9600.00}, XXXX CARD XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX  XXXX Balance Owed : {$10000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$2700.00}
Product: Money transfer, virtual currency, or money service

Square Inc. froze my account on XX/XX/2024 XXXX in my account. 

I am running a business and I need to pay vendors, etc. They are causing me a tremendous amount of financial pain. Even though I have proven time after time to them, that my income is legitimate and I am an insured legitimate business. I can prove every transaction on my account. 

I never received my square card. I assume someone stole it during shipping, and now is trying to make purchases with it. I never activated the card.
Product: Checking or savings account

On XXXX-18, I opened up a tab at a bar with my Chase debit card. Upon closing the approx {$20.00} tab, a Chase debit card was given back to me, although it turned out to not be my debit card. I did not come to this realization until the next morning. I immediately checked my online banking accounts the next day and saw numerous fraudulent charges ; detailed dates and transactions attached. I then called Chase claims services to file the claim and report my debit card stolen. Chase investigated the claim and came to the conclusion that the claim was denied. They stated that because my PIN was used on the fraudulent transactions, that i was not owed my money back. I have evidence on one of the attached documents of an email that was sent to me at the time of the fraud. The email is a fraud alert from Chase showing that 2 ATM cash withdrawal were attempted and then successful at a XXXX XXXX. This was the beginning of nearly {$4000.00} in ATM withdrawals and purchases on XXXX-18. I have witnesses that can state I was out with them in XXXX at the time of the fraudulent transactions ; most of the transactions occurred in the XXXX suburbs. The end result is I was not reimbursed for the fraudulent charges and Chase claims was not helpful in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX about 5 items on my credit report. As of XX/XX/XXXX, I still have not received any results of the investigation from Equifax, and the items remain on my report.