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

I am writing to formally dispute the reporting of a fraudulent account under the name XXXX ( # XXXX ) on my TransUnion credit report. I have been a victim of identity theft, and this account was opened without my knowledge or consent. I demand the immediate removal of this account from my credit report and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The account under XXXX reporting to TransUnion is not mine. It was opened fraudulently as a result of identity theft. I did not authorize any transactions or communications with this entity, nor did I receive any services or products associated with this account. 

Violations and Impact The presence of this fraudulent account on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The unauthorized account negatively impacts my credit score and overall financial standing, potentially leading to denials of credit and other financial services.

Applicable Laws and Regulations 1. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit report.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft.

3. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.
Product: Vehicle loan or lease

I was involved in a voluntary repossession with Carolina Finance. I did not receive any of the documentation lawfully required to be sent regarding a vehicle repossession. I wish for proof that the documentation was sent as lawfully required including but not limited to all notices of delinquency and notices of sale.
Product: Vehicle loan or lease

Account : XXXX Insurance policy updated and sent to PAC, and another request to stop abusive charges, related to insurance.

INSURANCE UPDATED AS REQUESTED.

COMPANY INFORMED ABOUT IT Company does not reply confirming they received the information and removed any charges.

Requesting for the 3rd time to have the information about paying the remaining balance, and fully pay off the loan. 

Company does not respond properly. 

Federal agencies should overlook this company closely, if they are adopting abusive practices against customers. 

I need to finish this loan ASAP and I am requesting the balance of this loan, and they don't reply the request.
Product: Credit reporting or other personal consumer reports

inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof of debt on XX/XX/2021 of a debt XXXX reports I owe. 

I demanded copy of agreement, and none was provided. 

XXXX sent the attached letter dated XX/XX/2021, did not addressed the request, yet continues to report false information on my credit. 

Pursuant to the FDCPA ( 15 USC 1692g Sec. 809 ( b ) ), I am entitled to receive a copy of any credit card agreement and a statement of account when I request it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Iv called multiple time to get all these inquires removed do to that fact that I don't recognize any of them and these inquires was not giving approval by me. 

XXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SD, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX And on 15 USC 1681b these have no permissible purpose to be on my credit report anyways.
Product: Student loan

Negative late reportings reported by Navient regarding my private student loan to the Credit Bureau. Navient was sending letters to wrong address for months regarding my loan information. Never reached me via phone regarding my loan status. Navient representatives have given me false and inaccurate information pertaining to my private loan for months. Received forbearance for private loan, yet still received negative markings on my credit report to the Credit Bureau.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX  Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS.

"
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. 
XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 
15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consume reporting agency can not furnish a section without my written instructions.

15 USC 1681 C ( a ) ( 5 ) : 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 7 years.

15 USC 1681 S-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold 2 credit cards with JPMCB, yet 3 cards consistently appear on my credit report. I phoned JPMCB to inquire, and they confirmed that there was a third card with middle digits XXXX which was being used by someone who either has my same name or was fraudulently abusing my name. The representative at JPMCB explained that sometimes a card registered to a person with the same name can sometimes be attributed to the wrong credit report. In this case, the representative stated that JPMCB would issue a letter to each of the credit reporting agencies to notify them of the error and have that card taken from my credit report. This is upsetting to me because I keep a zero balance on my cards and yet my credit score has been stuck in the middle 700 's for more than three years.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and I have asked to have them removed but the bureau havent removed them like Ive asked. I am providing a copy of identity theft report so the inaccuracies that arent mine can be removed. Attaching report.
Product: Debt collection

XXXX, XXXX Portfolio Recovery Associates. Do to a data breach I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX Bank - XXXX dollars - XXXX. I have file a compliant with the Federal Trade Commission and IdentityTheft.gov relating to these two accounts. I have mailed both companies the documents F.T.C provided me with. The letters are attached. I have talked to XXXX XXXX credit card fraud department XX/XX/XXXX. XXXX XXXX stated that they will mail me a letter in concern with this fraudulent account and state that I am not liable for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft in the past. My information has been involved in a recent data Breach. These new inquiries were not authorized by me and i demand the removal of these accounts. I am alleging that a person or company without authorization from unauthorized use of my social security number and card used my personal info to apply for goods, services or money. I Have no knowledge of these inquires and need them removed from my account immediately because it is hurting my chances of receiving a mortgage.. Inquires that were not authorized are -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the correction of inaccurate data on my credit report regarding late payment. It is imperative that this account is updated to accurately reflect the payment and that any erroneous information is corrected promptly. In cases where delinquency is reported, I request that the payment date be accurately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time frame. Therefore, I expect the credit report to accurately reflect the payments made, without any indication of missed or late payments. Additionally, there is no remaining balance on this account that would suggest a missed payment. I have consistently met my financial obligations, and it is crucial that my credit report reflects this accurately. The inaccurate reporting of late payment is not only misleading but also damaging to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV FUNDING LLC is reporting a Collection account. {$1.00}, XXXX past due as of XXXX XXXX this is not true. I have a XXXX XXXX XXXX : {$650.00}, I have disputed this with them and my credit agency and they won't change the balance. XXXX XXXX Customer Number : XXXX Account Number : XXXX
Product: Bank account or service

CitiBank violated Regulation E ( Reg E ) of the Federal Reserve when they refused to reimburse my personal checking account for the XXXX unauthorized transactions with my ATM debit card. I have notified the bank on XXXX XXXX, 2016, for the transactions that occurred on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. The bank failed to conduct an adequate and proper investigation and failed to reimburse my account the loss of {$2800.00}. I have done everything on my end to notify the bank of the loss in the timely manner, and yet they did not follow Reg E and did not provide any legitimate reason for their actions.
Product: Payday loan, title loan, or personal loan

This company is pulling from my account on the XXXX and the payment is due the XXXX. I have had to move money multiple times from a credit card as we dont keep much in this account. I have complained twice. They said they are pulling payments in accordance with the loan terms. The loan terms state to pull on the XXXX, this is when I am paid this must be fixed. I am very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 
XXXX  XXXX {$3400.00} XXXX {$78.00}
Product: Credit reporting 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. 

XXXX XXXX XXXX ( XXXX ) : Account # XXXX has violated my rights. 

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

sent letter XXXX XXXX and called with police report number still have 4 auto loans that are not mine and XXXX with balance of XXXX not mine along with 30+ hard inquieres, they say try to reach creditor and then if that doesnt work to call them directly but then they just to push there service and do not remove the fraudulent items or say to go online and then when you go online it says to call. XXXX poor service remove my fraudulent items
Product: Credit reporting or other personal consumer reports

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name Is XXXX XXXX I have a complaint about Equifax. They have a account on my credit report that is not accurate.
Product: Credit card or prepaid card

On XX/XX/2023 I attempted to make a purchase for airline tickets with XXXX XXXX. The purchase did. It go through, but the credit card company ( Serveprepaid American Express ) is holding {$1400.00}. I called them about releasing the money the next day and I was told it would take 8 days. XXXX said 3-5. I just got off of the phone with the card company yet again and now they are telling me 30 days because it is an airline. The first person never said that. I NEED my money put back in the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times for this account to be deleted because it was found to be inaccurately reporting with XXXX and XXXX so they deleted the account. Transunion however keeps sending me stall letters and information stating that the account has been updated and verified and that was a lie. Transunion is not being hinest or fair in their reporting practices. Transunion has lied and published the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my consent and I want it deleted immediately.
Product: Prepaid card

I had a {$50.00} google XXXX card in my Google WalletIt expired without notice and i lost my fundsGoogle should have alerted me when the card was about to expire as they do for a credit card linked to the Wallet, so i could use the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Charges appeared on card that we did not authorize XX/XX/XXXX To there credit, our credit card company alerted us on XX/XX/XXXX of fraud alert and began process of closing old card. 

Unfortunately at this point a new card was issued to us and we were advised that our account was under investigation. 

Upon issuance of the new card, our old card with fraudulent charges was having balances transferred to our new card. 

This is where we have hit a wall with our credit card company. These charges were not incurred by us but we are being forced to deal with payment and late fees every month. 

We simply need help to get this company to resolve our account back to zero, prior to fraudulent charges back in XX/XX/XXXX but can't get company to resolve due to poor communication from the company. 

We have spreadsheets and documentation we'll gladly share to support our issue.
Product: Mortgage

I am a single parent and have filed a request for modification of my mortgage with the mortgage company, OCWEN Loan Servicing. Their call centers and their staff seem to be in XXXX and for the past 4 months they have stalled the processing of my modification, and keep reporting my loan as delinquent. I have tried to work with them and have provided every bit of information they 've asked for and yet their paper-pushing games seem to have no end. On the other hand, they keep flooding me with notices of foreclosure and threats of taking my home which have caused me great XXXX and XXXX. I am a single parent and can not lose my home, but this mortgage company that has had countless complaints and lawsuits against it does not seem to be concerned. I have asked to speak to their representatives in the United States ( as I was told it is my right to do so ) but they refuse to accommodate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a notification to DISCOVER STUDENT LOANS certified mail ( XXXX XXXX XXXX XXXX XXXX ) and it was received on XX/XX/XXXX. DISCOVER STUDENT LOANS has now been notified of a billing error pursuant to 12 CFR 1026.13 ( e ). I have asked DISCOVER STUDENT LOANS to correct this billing error and put them on notice that I invoke my right as a consumer to withhold all past present, and disputed amounts pursuant to 12 CFR 1026.13 ( 1 ). I have also notified DISCOVER STUDENT LOANS, that they can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant to 12 CFR 1026.13 ( 3 ). 
DISCOVER STUDENT LOANS may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of the Affidavit sent to them. DISCOVER STUDENT LOANS is in violation of 18 USC 1341 and has participated in racketeering activity as defined in Title 18 USC 1961. DISCOVER STUDENT LOANS has 15 days from the date of receipt XX/XX/XXXX to provide an affidavit response with a rebuttal, point for point otherwise I am conditionally accepting their non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact.
Product: Debt collection

I am receiving excessive calls ( as many as XXXX calls a day ) from Navient, for my student loans. I informed them the loans are a part of the XXXX XXXX lawsuit and asked for a stop on payments. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Equifax Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This cellular phone number appears in my file from Experian account online I don't know this number at all so I'm trying to investigate it n please report it, I file the dispute yesterday about ( XXXX ) XXXX I never gave anyone permission or authorization at all so I'm trying to figure out who's number is this report it fraud in the first degree understood
Product: Mortgage

I am writing today in regards to my account with Santander Bank NA Account # XXXX the reason for writing is because a late payment is being reported in XX/XX/2020. I am sure you are aware of the pandemic which has hit and has impacted me in that month. I got this account current once I was able to. 
I also addressed this issue previously and thought they had resolved this matter which they have not.
Product: Checking or savings account

USAA XXXX XXXX Account for Auto Policy discontinued early XXXX Explained no vehicle. 

Spoke with representative and stated they would close policy and received refund from policy. Stated he would retract autopay. 

Received notification my auto/property insurance bill is ready XXXX XX/XX/2021. 

Identity theft/fraud on this account. 

Requested closure.