23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

1. My phone number was wrongfully updated in the Discover system. A fraud number was stored in the system as my primary cell phone number. The number was stored in the system on XX/XX/XXXX until XX/XX/XXXX when I finally closed my account. 

2. I got to know about the fraudulent number when I spoke with the closure department, but upon requesting to repeat it they never shared it with me giving security reasons. Me being the customer and the user, the Discover Company refrained from sharing the wrong cell phone number with me. 

3. Upon speaking with the customer support agent today, an honest lady shared the wrongfully updated number with me, saying that the agents may have jumbled up with numbers and stored them. Upon speaking with her supervisor, the supervisor literally lied that the wrong number was never stored in the system. I had to record everything as proof. This is a serious security breach and Im not even sure if it was a jumbling of numbers. They are concealing essential information and Im seeking assistance here. Im a student and I have also paid all their bills off. They have also denied a fraud claim, and I had to pay a total of around {$540.00} from my own pocket for a legitimate fraud that took place. Instead of being responsible, they are just playing with their policies. I am sincerely seeking assistance in this matter. 

I am seeking compensation of XXXX XXXX for the security issue caused by them. Being on the vulnerable end, seeking your assistance in this matter. Please let me know if you need any recordings from my end. 

Yours sincerely
Product: Credit reporting or other personal consumer reports

I originally reached out to the creditors on XX/XX/2024 asking to remove these inquiries that I did not authorize, as well as sent a FTC report. I did not receive any correspondence nor were the inquiries removed. 

Pursiant to 15 USC 1681b ( c ) ( 3 ) : a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter Dated XX/XX/2021 tracking number # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy. Also according to 15 USC 6802 No financial institution is not suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights!
Product: Credit reporting or other personal consumer reports

So I received two late payments for the months of XXXX and XXXXXXXX XXXX XXXXXXXX due to fraudulent activity on my XXXX XXXX XXXX. Those chargers started in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this time I was XXXX  from XXXX, XXXX XXXX until my XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have the documentation showing these dates and when I XXXX  from XXXX XXXX to XXXX via plan on XX/XX/XXXX. I Also made a police report on XX/XX/XXXX about these activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my Transunion credit report that are Fraudulent I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX XXXX XXXX and have sent them documentation to show that I was not the one that opened this account. They have refused to assist me and getting this matter resolved. Ive sent them all documents that they requested. I even called and was told that a letter was sent to me requesting additional information but they sent it to the fraud address.
Product: Credit reporting or other personal consumer reports

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 , TransUnion credit reporting agency and the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( {$47000.00} ) XXXX XXXX ( {$45000.00} ) XXXX XXXX XXXX ( {$10000.00} ) XXXX ( {$17000.00} ) XXXX XXXX XXXXXXXX ( {$11000.00} ) XXXX XXXX XXXXXXXX ( {$17000.00} ) XXXXXXXX XXXX ( {$3100.00} ) XXXX XXXX ( {$7200.00} ) XXXX ( {$10000.00} XXXX XXXX XXXX ( {$5000.00} XXXX XXXX ( {$990.00} ) XXXX XXXX  ( {$3600.00} ) XXXX XXXX  ( {$330.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX  XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA  XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXXBalance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****Balance XXXX {$420.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX****Balance XXXX {$230.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$230.00}
Product: Debt collection

XXXX, XXXX, and XXXX the same debt has reopened via Experian by a company named XXXX XXXX. This has been resolved over lengthy processes costing me money and time. The account claim has been reopened as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, I have reached out to the credit bureaus to remove an address based in New York associated with the fraudulent activity. I have never lived in that state and have already provided all the proof previously for this account. 

I repeat, this account and address has been addressed 3 times and twice closed for fraudulent activity. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX keeps getting new collection agencies to reopen accounts.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for  all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Vehicle loan or lease

XXXX.account XXXX XXXX , XXXX and XXXX  XXXX, XXXX, gaXXXX.ssn-XXXX.i finished payoff loan auto by jp morgan chasebank, N.A.i went paid it XXXX payoff last days on XX/XX/2018. is closed account.please needs remove lists still on by creitd records compainies.please call them XXXX .
Product: Debt collection

I have a medical debt listed on my credit reports as of XX/XX/XXXX.
I do believe that this medical bill was paid by my health insurance which I have had prior to this time.
As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on peoples credit reports.
This debt was placed on my credit report as of XX/XX/XXXX. I was never informed or sent a bill by the hospital of a pending medical bill no less in the amount of XXXX. 
I have never received any information or a verification of this debt. 
I am living on XXXX and if this debt was verified I would have made an arrangement to pay it. As a person living on XXXX my life depends on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost urgency regarding an alleged outstanding debt that is being reported on my credit report by UPSTART NETWORK INC. ( Account Number : XXXX ). 

I have recently discovered that this alleged debt, despite being written off, continues to be reported on my credit report, along with the outstanding balance. This practice not only negatively impacts my creditworthiness but also raises serious concerns of potential tax fraud and extortion. 

I firmly believe that reporting a written off debt is a violation of tax regulations and constitutes an attempt to use the credit reporting system as a means of coercion to force me into paying an alleged debt that lacks proper validation. This tactic is not only illegal but also ethically wrong. 

I urge UPSTART NETWORK INC. to take immediate action to remove this alleged debt from my credit report within four business days from the receipt of this letter. Failure to comply with this request will not only demonstrate a disregard for the Fair Credit Reporting Act ( FCRA ) but also reinforce my belief that this reporting is an act of tax fraud and extortion. 

It is essential to reiterate that this alleged debt lacks proper validation and has not been substantiated with adequate evidence. Therefore, its continued presence on my credit report is unjust and damaging to my financial well-being. 

I expect UPSTART NETWORK INC. to promptly review this matter, conduct a thorough investigation into the alleged debt, and provide written confirmation once the debt has been removed from my credit report. The immediate resolution of this issue will help avoid further escalation, legal action, and potential damage to the reputation of your organization. 

I have retained copies of all correspondence, credit reports, and supporting documentation related to this matter for my records. Please direct all communications regarding this issue to the address provided above or via email at XXXX. 

Thank you for your urgent attention to this matter. I trust that you will treat it with the seriousness it deserves, and I expect the removal of this alleged debt from my credit report within the specified timeframe.
Product: Mortgage

After completing a deferment agreement, I requested a escrow analysis to determine what my new payment would me. After the escrow analysis, it was determined that my new payment would be approximately {$1100.00}. When I inquired as to why the payment was significantly higher than my pre-covid payments, I was was told I was paying for additional insurance. I explained that my PMI was no more than {$51.00} a month and my pre-covid payments were approximately {$750.00}. I was told there was an additional {$350.00} added to pay HOA assessments. I asked when and how this assessment was added to my mortgage payment and I was told Community Loan Servicing was making HOA payments on my behalf since XX/XX/XXXX. 

No correspondence was ever provided that they would be paying the monthly HOA assessments. There was correspondence that reflected that paid a past due balance on the account of {$16000.00}, but at no point was I informed that were making current payments. I have been paying my HOA assessments since XXXX and was still making those payments. I did not sign a modification agreement which would allow for them to include the HOA Assessments in my mortgage payment. It's my understanding that some of the deferred amount included HOA assessments that were included in loan payments. Problem is, I've been making those payments. No one can provide me with an answer as to why and when this happened. I'm uploading documents which reflect payment details for HOA Assessments from my bank as well as the property management company.

Community Loan Servicing has been making HOA Assessment payments to my HOA from XX/XX/XXXX to present and would've continued to make those payments if I didn't inquire about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have notified XXXX that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX | XXXXr : XXXX | Status : Discharged Your cooperation in this matter will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit limit increase on XX/XX/XXXX for my existing XXXX XXXX Credit Card. 

On XXXX website there was a disclaimer, " It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' I am including the screen print of their website for the reference. 

On XX/XX/XXXX, I received an alert from Equifax that, XXXX ran a credit inquiry on my credit report. I never authorize XXXX to run any credit inquiry, but it is reported on my credit report. Attaching that screen shot of Equifax page for reference. 

I dispute this inquiry with Equifax to remove unauthorized credit inquiry ( Dispute confirmation number : XXXX ) and they said, they can not do anything and asked me to contact XXXX directly. 

I contacted XXXX on XX/XX/XXXX and spoke with XXXX in customer service, She gave a reference number as XXXX. She said, she can escalate, but she wanted me to write a letter again to the bank. 

This is totally an unauthorized inquiry. Why should a common man like me need to chase behind the bank, when bank has done something illegal? 

There may be more people undergoing the similar issue without even knowing companies like XXXX run credit inquiry on their report without they authorizing. Common people suffer to fix their credit score for buying a house or getting a loan for their life. And here we are Victims due to business take advantage of common man. 

As per Fair Credit Reporting Act, When a creditor runs a credit check on an applicant without receiving authorization, they violated the Fair Credit Reporting Act. Congress enacted the FCRA in the XX/XX/XXXX to protect consumers from discrimination based on information in their credit profile. Each violation of the FCRA carries a penalty. 

I think these kind of misuse should be penalized and I would request CFPB to protect public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Consumer Financial Protection Bureau on XX/XX/2020 regarding XXXX 

I have repeatedly asked XXXX both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute regarding an inaccurate report of an auto loan from Credit Acceptance Corporation. XXXX  has NOT provided this information. They responded to my complaint filed with the Consumer Financial Protection Bureau by sending a copy of my credit report via first class mail. They DID NOT provide me with the requested Methods of Verification of the dispute with Credit Acceptance Corporation. 

I DEMAND XXXX provide me with WRITTEN Methods of Verification of my dispute or delete this item from my credit report permanently. I can not move forward with a police report without information including signed contract, the business where automobile was purchased, date of transaction and ID provided at the transaction. 

I have also requested this information from Credit Acceptance Corporation on MULTIPLE occassions with NO response.
Product: Debt collection

XXXX they call XXXX time a day leave XXXX text messages and voicemail even emails the account is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking you to open an investigation against the TransUnion credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
TransUnion is putting in the credit system that I have an account with " XXXX XXXX XXXX XXXX XXXX XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from XXXX and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my account {$270.00} TransUnion has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
TransUnion is committing a violation by : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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

I have received several credit solicitations in the mail with my address but someone else 's name. I inquired with the financial institution sending many of the solicitations, and they confirmed that all XXXX credit bureaus are sending my address with another consumer 's tradeline. My dispute is not with my own credit report, so I wasn't sure how to submit the request to correct the data integrity issue with my address. I contacted TransUnion by online chat to explain and determine how to submit the request for them to investigate and correct their data. They suggested putting a freeze on my account, and then to send a letter in the mail disputing my credit report. The data issue is not with my tradeline, so neither of these actions would address the issue, and it is also putting the burden on my to solve their issue. For context, we built the home we live in, so there are no prior owners. I am glad to share the names of the other consumers that are impacted, as well as examples of the solicitations from XXXX different financial institutions, but this form says not to share any personal info ( so I wouldn't want to put these other consumers at risk ). Please help me resolve this with TransUnion, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Ive requested XXXX, TransUnion and XXXX to remove all none mailable addresses from my credit report I live in Ohio I can not receive mail from all these other states thats being named. They said they were taking them off then update them and left them on my report. so if these companies mailing letters to a address Im not associated with this mail contains my personal information in them which somebody can steal my identity for there actions.
Product: Debt collection

On XX/XX/20 I called to see why on my credit report it was showing a balance instead of saying that the debt was settled and was transferred and hung up on several times before reaching anyone. Once i reached a representative, he was very rude and told me to pay the balance and that this was going to remain on my credit forever. I asked him why when my account was settled by another representative. I am blaming the Bureaus because they hired these shady people to take payments for them and lie and say that everything would be settled and deleted from my credit report as soon as i settle but lied to me because it is still on my credit report. I would like this to be deleted just was I was told and want information that it will be because i went even far as leaving compliant and was never contacted back.
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 how to remove the fraudulent items in my report and found that I need to visit 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 items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 ; XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Vehicle loan or lease

This account or Auto Loan was opened without my knowledge or consent. My information was exposed in XXXX data breach. I have sent my police report and also my identity theft report and also my identity theft affidavit that Westlake sent to me, Its been well over XXXX months and the account is still reporting my XXXX credit report. According to Section 623 ( a ) ( 2 ) of the FCRA, this is a direct violation of my rights.