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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUT DATE OPENED AND FRAUDULENT INQUIRIES : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information must be blocked for one year, at which time I can request an extension of the block. During the block, you can not report that it no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire my first home for my children, but this problem has made it extremely difficult to achieve, which has caused me significant stress and uncertainty. I am a XXXX woman who has worked diligently and has always fulfilled her responsibilities in this country. It is unfair that this situation prevents me from achieving such an important goal for me and my family. These charges were removed and not verified by other bureaus. I do not understand how they usually say that these accounts are mine, that is why I require that you send me all the documentation to prove that this information is true. I have requested contracts from this company with my data and for more than 60 days I have not received a response from them, please help me delete these accounts immediately. Here I attach the FTC report, hoping that they make a better decision in my situation, thank you.
Product: Credit reporting

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX  ( XXXX )
Product: Credit reporting or other personal consumer reports

The credit bereaus tans union and XXXX does not have MFA ( multi factor authentication ) so my vital information is highly at risk because of this. They tout about security but implement sub par logins requirements and security features of regular consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is not mine and inquiries that I did not authorize or make. The account in question is XXXX XXXX Account number : XXXX Opened XX/XX/XXXX. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. This account nor inquiries are mine. I am a victim of Identity theft and demand these items are investigated and removed.
Product: Debt collection

Conns has been blowing up my phone 4 to 5 times a day monday thru Saturday. Even when I spoke to them and let them know that I lost my job a couple of months ago due to covid-19 and that I literally had no money to pay them they continued to call my phone numerous times a day. They are causing even more stress to an already stressful situation. And every single agent that I told about my financial situation had the nerve to ask me how I was living when I need to buy food and keep a roof over my head. That is none of their business. Then after asking me that they continued to ask can I at least pay something. It's too much. Even when I had a job they called my job 4 to 5 times a day. I also fail to see how I owe XXXX dollar s on furniture that only cost XXXX
Product: Checking or savings account

I talked to XXXX XXXX at PNC I never opened an account with this Bank and they are charging me XXXX dollars to close it
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1600.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX XXXX, NY XXXX.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the TransUnion credit bureau and found that this REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the credit agencies about the following errors and disputes : XXXX is reporting my name as XXXX when my last name is XXXX XXXX is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Experian is reporting incorrect address information : XXXX XXXX Ct, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX Ct, XXXX, GA XXXX XXXX, Experian, and XXXX is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX XXXX XXXX, Experian, and XXXX is reporting inaccurate 30 days late reportings in XX/XX/XXXX for GA 's Own XXXX XXXX, Experian, and XXXX  is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry : XX/XX/XXXX : XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

XX/XX/XXXX to XX/XX/XXXX I was out of work not able to pay my loan to loanstar title loans in the amount of {$360.00} a week XXXX  {$32.00} a day until Im able to pay it off @ loanstar title loan on XXXX XXXX XXXX they repoed my car now the tow truck company is making me pay a fee of {$60.00} to pick up my belongings an the loan company is refusing to get that fee waived she also caught a attitude because I didnt have the money to pay for the loan r the fee
Product: Vehicle loan or lease

I made my last car payment on XX/XX/2022 and was told that they would defer the late payments to the end of the loan. My next payment ( which would have been current ) was due on XX/XX/2022. I was not able to make that payment then but had to wait a week. On XX/XX/2022 I rescinded my rights according to to Title 15 USC 1635 ( a ). I sent in a letter notifying them of this right that I was applying. I also noted subsection ( b ) of Title 15 USC 1635, and the clause which states " If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.

Two days later they came and took the vehicle from my driveway. Today ( XXXX XXXX ) I called to have them return the vehicle. They told me that I would have to pay off the remaining balance of about {$18000.00} in order to retrieve the vehicle. 

This is a violation according to Title 15 USC 1635.
Product: Debt collection

I will sell it on XXXX from XXXX to XXXX. These funds were transferred to PayPal account, totaling USD XXXX. But. PayPal withdrew all my money without my permission, and the account balance became XXXX. I lost a lot.

So I have to complain about PayPal
Product: Debt or credit management

Lexington Law, I saw that there is a lawsuit against them for taking money from clients before any results were produced. They had me paying a monthly payments. When I called to get the information, the lady that answered said that she could not give me all that I was looking for. Here are some dates and I do believe that this is wrong. I paid them for years. There was XXXX, XXXX, XXXX and XXXX. She sent me 2 encrypted emails. Both emails did not contain what was asked. They were creditors. For years I was told that there would not be any change to my credit for a long time. So I continued to pay, hoping that they would say that my credit was getting better to buy a house. Know that I tried to call all the numbers that I have been given, they will not connect you to a live operator. It hangs up without giving you an option to connect.. Please help, I have paid these people so much money only to be told that my credit was at a standstill. Here are a few of the addresses that may be on my account current address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I lived on XXXX XXXX as well, all in XXXX, La XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Bank of America about an unauthorized hard inquiry made on XX/XX/2021. Bank of America has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because Bank of America must contact the reporting credit bureau for removal.
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 Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX Account 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.
Product: Debt collection

Dear Equifax, I am writing to bring to your attention a fraudulent account that has been inaccurately reported on my Equifax credit report. I recently discovered this account and I can assure you that I have no knowledge or involvement in its creation. I am deeply concerned about the impact this fraudulent account has had on my creditworthiness and the stress it has caused me. 

Below are the details of the fraudulent account as listed on my Equifax credit report : Account Type - Detail : XXXX XXXX XXXXXXXX Code : Joint Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$17000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX I hereby declare that I did not authorize the opening of this account, nor have I ever taken out an auto loan with the creditor mentioned. This fraudulent account is causing significant distress and is detrimental to my financial standing. I kindly request that you investigate this matter urgently and take the necessary actions to remove this fraudulent account from my Equifax credit report. 

Furthermore, I have filed a police report with [ XXXX Police Department ] on [ Date ] regarding this incident. The police report number is [ Report XXXX ]. I have attached a copy of the police report for your reference. This report serves as evidence of the criminal activity associated with the fraudulent account. 

In support of my complaint, I would like to bring your attention to relevant case law that supports the removal of inaccurate and fraudulent information from credit reports. [ Provide the names of relevant case law or statutes ]. These legal precedents affirm the responsibility of credit reporting agencies, such as Equifax, to ensure the accuracy and integrity of the information they report. 

I expect Equifax to fully comply with all legal requirements and promptly investigate this matter. It is imperative that you take immediate action to remove this fraudulent account from my Equifax credit report, in accordance with the law and to rectify the damages caused by this identity theft. 

Additionally, I kindly request written confirmation from Equifax once the fraudulent account has been removed from my credit report. This confirmation will serve as evidence that the necessary actions have been taken to address this fraudulent activity. 

Please treat this matter with the utmost urgency, as it is negatively affecting my financial reputation and causing undue stress. I trust that Equifax will handle this complaint efficiently and in accordance with all applicable laws, regulations, and legal precedents. 

I can be reached at the contact information provided above should you require any further clarification or documentation regarding this matter. I look forward to a swift resolution of this issue. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting a few weeks back for them to update my credit report that hasn't been updated from what I can see.
Product: Debt collection

They sent me an arbitration letter and he said I had to sign it now or I would be subpeona at my job the following day and that I had to pay a down payment which I paid {$75.00}. I asked if I could just call him back so I could look up the account information he was referring to. He said he would take my home if I didn't pay. I signed the letter because I was freaking out that he wanted to take my home. So that was mid XX/XX/XXXX, then he was supposed to take an additional {$830.00}, but then I called my banking institution and spoke to their records dept and they gave me a different account number. So I called the debt collector back and he said they had the right to change the account number and that I had to pay by XXXX XXXX time. I told him I would pay any valid debt, but wouldn't pay on an account that wasn't mine. So I asked him to re-send the paperwork with the correct account number and he refused. I called him back to tell him I spoke with the Attorney General and the FTC and he started yelling at me and said " good luck winning in court '' and hung up on me.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been trying to get into an old cash app acount of mine. I no longer have access to tge email or phone number linked to the account so i reached out to customer support now for weeks and i continue to get the same answer which is and i quote, for securiry reasons we can not give you access to this account. I have the cashcard, i have sent a copy of my drivers license, gave them addresses, my social, dob and everything but still thats the answer i get. To make the matter even worse the last 2 stimulus checks have been deposited into said account and i cant even touch it now so tgese people have rougly XXXX  dollars of my money and will not let me have access to it. The reason i no longer have access to the email or number linked to the account is due to the fact that i was in a very violent relationship where i was almost XXXX  and he changed all my passwords to everything. He is finally in prison so i dont have to hide anymore and tgis account is the most important account i need due to tge fact of all the money thats in it
Product: Debt collection

I have been repeatedly contacted by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.
Product: Mortgage

This is the second complaint for the same issue. The previous complaint number is XXXX XXXX. 
You closed the complaint because Michigan Mutual " claimed '' to have refunded the duplicate payment of {$1200.00} on or about XX/XX/XXXX via direct deposit. 

I spent an hour on the phone with the bank and they have no record of any refund, deposit or any activity from Michigan Mutual or for the amount of {$1200.00} for the entire month of XXXX OR XXXX. 

So now, the mail doesn't work nor does direct deposit. Unbelievable! ' Here is the response I sent to them : I contacted my bank and spoke to the head of the accounting department. She went through all of the records for the month of XXXX and there was nothing from Michigan Mutual and nothing for {$1200.00}. So, now you have " apparently '' attempted to refund my duplicate payment twice with no success. Since the United States Post Office and my bank are not sufficient enough to handle this " refund '' I am now DEMANDING that you apply the {$1200.00} to account for the XXXX payment. I have absolutely had it with this situation. I want an immediate response to this email and notification that the payment has been credited to my account.If I do not get immediate results my next step is to hire a lawyer, contact the news and sue this company for false claims and lies. 

I don't know what else to do. 
This is impossible. 
Please help. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize for this creditor to pull my credit.
Product: Credit reporting or other personal consumer reports

I did not received the XXXX XXXX Statement. When I realized, I went to the store and paid the complete balance. I complained with the cashier about not having received the statement, and she gave me a customer service number. I called there and explained the situation. They confirmed that there was an error in the address, and fix it. Since there was an error in the address, I never received the statement. Moreover, the company never called me to notify the payment delay. Therefore, this late payment should be removed from my credit history.
Product: Mortgage

Apparently my mortgage was sold to Carrington Mortgage Servicing by XXXX XXXX XXXX. I have received NO correspondence of any kind from Carrington and I am outraged. I have no loan number, no information whatsoever. I have called them on 4 separate occasions ( XXXX ) XXXX only to hold for customer service for 36-58 minutes when the call was disconnected. I have never been so angry in my life, this is absolutely ridiculous.
Product: Checking or savings account

I have a direct express account where my ssi an ssdi goes in. I tried to contact them for a week and they keep hanging up on me. I also tried to call and text the two companies that charged me and no response I feel its a fraud company and I dont want them to hit my account again. The amounts are {$82.00}, {$34.00}, {$72.00} and it was taking out on the XXXX on the XXXX of XXXX XXXX and the companies name is XXXX and XXXX.
Product: Debt collection

I received calls and asked what the debt is for in writing and never received any information in writing to confirm that a debt was owed. This was placed on my credit report which will possibly hinder me from going to school. I am a XXXX XXXX and rely on financial aid via loans and this inaccurate information will prevent make from enrolling in my classes scheduled for next semester.
Product: Debt collection

TransUnion is in Violation of the Fair Credit Reporting Act. I demand the XXXX XXXX XXXX account report paid in full with a XXXX  balance. 

The Final and last notice, I will send to TransUnion regarding this matter XXXX University  has provided email, and a letterhead letter debt paid in full with a XXXX  balance. 

Please see XXXX XXXX XXXX responding to Consumer Financial Bureau they will report account paid in full with XXXX balance. 

I have reported this account numerous account must report paid in full XXXX  balance. The notification was sent to all three bureaus. Please see the attached receipt, email, letter