23daVinci/CFPB_Complaints huggingface dataset:
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 ( Transunion ) 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. 


I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my TransUnion consumer credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have also resulted in fraudulent hard inquiries and collections appearing on my credit report. I demand that all aforementioned fraudulent items be removed from my credit reports and that all related collection activity cease immediately pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), and ( 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I forwarded a proof of verification letter to TransUnion requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my TransUnion credit report. There are two other negative items being reported XXXX. XXXX and XXXX  XXXX  both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote TransUnion to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. XXXX   XXXX  is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.
Product: Student loan

They are refusing me my official transcripts stating that i owe money that i believe i do not owe and the XXXX XXXX XXXX XXXX XXXX passed a law on XXXX XXXX stating a school can not hold official transcripts as a way of making a student pay a bill owed to a school institute that it is seemed abusive and keep a student from being able to get a job in the future because jobs usually require a transcript. And also regarding the balance i was awarded a XXXX dollar scholarship once i had started the program and received a phone call from XXXX XXXX stating i would no longer have to pay. I had made XXXX payments adding up {$92.00} which left a balance of XXXX. Beginning balance was XXXX. If i was awarded XXXX scholarship and you take away the XXXX i had already paid and the XXXX that was left over that leaves and extra XXXX that should've came back to me however the school stated they do not give refunds on money left that it will be applied to future terms. Then soon as the future term came up the money disappeared and i have made many calls to the school disputing it and they say they would look into and never did. I called repeatedly and after a full year of me disputing the balance no one ever got back with me until i started asking for my transcript. I was also called by a man i don't know if he was from the company that services their private loans or a man female the school that called me in XXXX of XXXX stating that i would not have to pay the remaining balance because my house was crushed during the tornado that came through at the time. I've even tried paying some of the balance and the state they wanted it in full before i could receive my official transcripts. Which i then was notified about the law passed by the CFPB stating schools could no longer hold official transcripts due to money owed and i let them know and they told me to have my lawyer call their CEO.
Product: Debt collection

Dispute 1 : Account Number : XXXX Company Name : Ability Recovery Services Type of disputed information : Unknown Credit Account and Inaccurate Dates associated with the disputed item : The debt was reported as opened on XX/XX/XXXX. This does not match the day I was told the debt was initially incurred on XX/XX/XXXX. 
Explanation of item being disputed : I dont recognize the account in question and challenge its legitimacy. 
The information being reported is inaccurate. 
When I called the debt collection agency today, XX/XX/XXXX, I was told that it was for a medical bill that occurred on XX/XX/XXXX. When asked why that date is not listed as the date the account was opened, as the law requires it to be listed as the date of the original delinquency, I was told they did not have to. They also said the account is closed, and it is showing up as open on my credit report. 
I let them know that I never received anything from them. They said they sent me a letter to an address that I dont reside at and that they were not entitled to take any additional steps to contact me. My number and address have not changed for years and are easily accessible. They are on the credit report they put the charge on. 
When I asked for the company that the debt originated with, they told me they could not help me because they no longer had an active account, so I couldnt verify the bill 's authenticity. 
Thank you for your assistance.
Product: Debt collection

On XXXX XXXX I spoke with a representative stating that she would reduce the past due charge of {$20.00} leaving a balance of {$18.00}. On the above date I forwarded a check # XXXX in the amount of {$18.00} and was assured the account would be closed. Today, I received a statement dated XX/XX/2022 showing a balance of {$44.00} with a past due amount of {$5.00} and total due of {$25.00}. Either this company is incompetent or they are trying to scam.
Product: Credit reporting or other personal consumer reports

I've tried countless times to access my credit bureau information through Experian, as well as manage a credit freeze. Any time I try to log in, either through their website or the Experian app on my phone, I'm told I experienced a " Technical Issue '' or " Registration Error ''. Subsequently, I'm directed to an automated hotline, where it is impossible to get in touch with a human being. The automated phone system directs me to the Experian Help website, which redirects me back to the unhelpful automated phone number. The only hope at all for fixing my situation, would be actually getting in touch with a human being in Experian Customer Support. Apparently putting me in touch with someone competent, and not a sucky automated system, is impossible for Experian. Meanwhile, I'm not able to receive my Experian credit report or unfreeze my credit with Experian ... which should be completely illegal but no one at Experian seems to care. I have no clue how to fix this problem but I'm hoping that by exposing Experian 's truly awful and incompetent systems, they'll be legally required to fix themselves.
Product: Money transfer, virtual currency, or money service

For several years I had an account with XXXX. They then transferred my account to Gemini on XX/XX/XXXX. When I attempted to withdraw crypto and currency from my account on XX/XX/XXXX, to close it, I was unable to and received an automated message that they were still " verifying '' me and were experiencing high volume. I initially had {$10000.00} invested. That is down to only {$3800.00}. I need my money back. I need your help. They are a XXXX enterprise. I can not afford to lose my money. They are not responding and there is no way to reach them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$XXXX}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I took out a loan with XXXX XXXX in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, Cooper Hoffman Klein and Associates, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or Cooper Hoffman and Klein Associates has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted XXXX XXXX and found out {$310.00} was all I owed and that they XXXX sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX Cooper Hoffman and Klein and Associates saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed XXXX XXXX {$310.00}. I would like to pay my debt of {$310.00} to XXXX XXXX directly.
Product: Checking or savings account

On XX/XX/XXXX I made a mobile check deposit for {$340.00} on a check written out for {$390.00}. I noticed the mistake posted and reached out to my bank, SoFi, for how to correct it. They told me I needed to talk to the bank where the funds were coming to get them to make the adjustment. In contacting XXXX Bank, the funds issuer, they told me my bank should be able to initiate a mobile deposit correction without any communication from them, but I could not make a correction with them because I am not the account owner at XXXX Bank. I talked to the account owner and they were able to initiate the correction, which happened on XX/XX/XXXX and was expected to complete within XXXX hours. The XXXX Bank account owner gave me a copy of the receipt for the adjustment. I contacted SoFi to follow up on XX/XX/XXXX since I had yet to receive an update and the representative told me they would get back with me if it had not been fixed by the end of the week. On XX/XX/XXXX I called SoFi because I had not received any updates. They told me they had not received the adjustment from XXXX Bank. I contacted XXXX Bank for status. They told me I could not get any information because I am not the account holder. I contacted SoFi again and they told me I could submit the receipt for their back office to process the transaction and they would contact me by COB XX/XX/XXXX, but I have received no additional information and neither bank seems to be able to make any progress with the other. The latest I got from SoFi was an email with the following : I did just get a response back from them. They are still pushing back stating the request has to come from XXXX Bank. They stated they will need the adjustment sent over by XXXX  again for the adjustment to take place. I would recommendcalling again with that referencenumber. You don't need any info on the account but to let them know SoFi has not received the request from them and it needs to be resent. So sorry for the hassle! 

This is what I did earlier today and XXXX Bank would not tell me anything because I am not the account holder. There does not seem to be anything that either company is willing to do to progress this along.
Product: Debt collection

This unknown caller calls several times a day, and harasses me on the phone, and ask very personal questions. I need these calls to stop. The company is XXXX XXXX XXXX account # XXXX for a credit card for Walmart. There contact phone # is XXXX.
Product: Credit reporting or other personal consumer reports

These are the accounts that are inaccurate I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX, Experian and XXXX Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.
Product: Checking or savings account

Good morning, first of all receive cordial greetings. 
On XX/XX/XXXX make an online deposit through the Bank of America application, it was a deposit in check, that check arrived at my mail sent by a person who had informed me that it would arrive that check as payment of one service to XXXX XXXX XXXX, who was distant and at her request the check would come out in my name and after releasing the check would give her her money. I made the deposit in the amount of XXXX on XXXX  and I could see that the check was released on XXXX, but I even told the person that their money would be released later. On XXXX I proceed to give him the money through XXXX  make two payments in the amount of {$3400.00} remaining pending to transfer {$500.00}. Check my movements in previous days and on XX/XX/XXXX I notice that the check was reversed because it is not good, according to the bank 's explanation. I called the bank that XXXX  and they could only tell me that they released the check because I had availability at the bank. Which makes me presume that it is not a measure to protect the user, try to contact the emissaries of the check but my XXXX is bad and it is also difficult for me to understand in XXXX, which is why it makes me address you ; I do not know if I should make a legal complaint to the people who sent me a message to tell me if I got the check, to the friend who no longer gives me an answer and to the foundation who issues the check for that amount and in a certain way is doing that type of activities
Product: Payday loan, title loan, or personal loan

they take small amounts towards the loan and a huge amount for their interest which makes it hard and a long time to pay off the loan they are reporting me owing much more then I borrowed on my credit which is hurting my credit I have tried to talk to them to take more towards the loan and less in interest with no success I feel this is unfair lending and a trap for XXXX to get consumers locked in a long term loan ... PLEASE HELP
Product: Credit card

DISCOVER FINANCIAL SERVICES ACCT # XXXX CONTINUES TO LIST ON ALL XXXX CREDIT BUEARUS THIS IS NOT MY ACCOUNT AND NEVER HAS BEEN
Product: Debt collection

I have made several attempts to resolve things with TransUnion XXXX but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is an attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent XXXX XXXX. 

Please see attached letter and ID theft report for the list of accounts and inquiries to remove and update late payments to 100 % paid on time
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX, my boss received a phone call from the chase 1800 number claiming that there had been fraudulent activity completed through his Chase XXXX through XXXX. They claimed that money was sent, unauthorized to me. They then had him un-enroll and re-enroll with XXXX through the phone and then instructed him to three way call me. During the three way call, they reported the same fraudulent activity on my XXXX XXXX through XXXX to my last recipient I sent money to which was my step mother, XXXX XXXX. They went through the same process, un-enroll and re-enroll me on XXXX through the phone and had me three way her. While on the phone with her, they confirmed an unauthorized payment of {$100.00} and a second payment of {$1100.00} from my account to hers, which she confirmed she saw it pending, they had her un-enroll and re-enroll. Once she completed those steps, the call dropped and the scammer had left the line. Within minutes both amounts of money was drained from my account. XXXX had called her bank and cancelled her card and reported the fraudulent activity. I had also called chase and reported the fraudulent activity and they opened the claim. It has now been XXXX weeks, the claim has been denied and Chase refuses to reopen the claim and assist me with recouping the money, they deemed it as a loss and have instructed me to forget about it and move on. All the money has left my account, the {$100.00} transaction had made it to XXXX 's account however the {$1100.00} had not made it and is not accounted for. I'm at a dead end, XXXX can not assist me and Chase won't assist me in figuring out where this money went and how to get it back. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On receiving my consumer report, I notice several accounts reporting inaccuracy with open accounting, collections, late payments, charge off, and installments accounts that I have no full knowledge of. I've written to all three reporting agencies, TransUnion, XXXX, and XXXX. After 47 days it's still no response from these reporting agencies. 

It's why I'm asking the CFPB to conduct an investigation to my complaint. I'm requesting that these reporting agencies provide verification on these inaccurate accounts listed below, or obtain a copy of any judgement, or name and address of the original creditor. To verify accuracy or establish reasonable proof that I am the legal owner of the alleged accounts that's reporting inaccurate information to my consumer report. 

Accordance to the FCRA, these reporting agencies has violated my rights with these inaccuracy reporting to my consumer report. When these agencies must maintain the utmost accuracy, and they have failed to maintain the accuracy, which breaches the mandates of the FCRA. 

I request the CFPB to require these reporting agencies to verify these alleged debts of late payments, change off, collections, and installments accounts, while including forms and conditions or purchases .or installment agreements that will or can validate the maximum accuracy to support why these activities has and is compromising the accurate and integrity to my consumer report. When I never received validation of debts nor notices or any initial communication. 

I request that if these reporting agencies fail to verify any accuracy to these accounts to the FCRA mandates. I wish that these inaccurate accounts be deleted and a update be reflected to their true status. 

These inaccurate accounts has violated my consumer rights. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Under, 15 USCS 1666b ( A ) Time to payments Under, 15 USCS 1681s-2 ( A ) Duty of furishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

Under, 15 USCS 1681 ( B ) Reasonable Procedure Under, 15 USCS 1681a ( A ) Definitions ; Rules of Construction ( 2 ) Exclusions ( A ) Any ( i ) reporting containing information soley as to transaction or experience between the consumer and the person making the report.

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports.