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

XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 


This fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX  XXXX XX/XX/XXXX ), XXXX collection accounts from ( XXXX XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX ). Hard inquiry from ( XXXX XXXX XXXX XXXX on XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), Hard inquiry from ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX and XX/XX/XXXX ). ( XXXX XXXX XXXX account opened XX/XX/XXXX ). These Accounts have resulted in several hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX at XXXX using their credit card through Comenity Bank. The purchase order total was {$85.00}. When I received the credit card statement the total was {$110.00} which included a {$25.00} credit ( not sure where this came from ). I called customer care through Comenity on XX/XX/XXXX and after finally getting to a person ( XXXX ) was transferred to mail order department through XXXX. I spoke with a gentleman there who verified that my balance on the order was indeed for {$85.00}, but he was unable to make the correction and he transferred me back to Comenity Bank. I was then put in a loop and repeatedly asked to press 1 or 2 to get to a customer care rep. After listening to the canned instructions five times and pressing 1 each time after the instructions were completed, I hung up. Bottom line, there was a major discrepancy between my purchase and my credit card statement and I am unable to reach anyone who can assist in this matter. My XXXX/Comenity credit card is going through the shredder, but I would like this issue resolved.
Product: Debt collection

I sent written notification to Convergent Outsourcing requesting documentation of any contractual relationship between myself, & Convergent Outsourcing. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Convergent Outsourcing {$610.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Product: Checking or savings account

Capital One was effected by a technical problem and has not been able to provide XXXX on my direct deposit. I have no means to my funds to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter on XX/XX/14/2022 and didn't receive the desired results. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report. No consent is Identity Theft. 

How are these items still on my report if I never gave any written consent for them to be on there?
Product: Debt collection

I have a complaint AGAINST the Department of education. They allowed a college to missuse federal funds when allowing the school to lure me into signing up when they know i had no high school diploma. Tricking me by signing promissary note electronically!!! Which I did not! Then school dropped me during the beginning of the second month of classes with no explaination, no disbursement of funds or counsling of any kind. The remainder of the money then did not get returned, the school kept the money and now department of education says my wages will be garnished. If this office is in fact protection for cosumers then PLEASE PROTECT ME. From these practices of fraudulent affairs known from the department of education. Please do not tell me to contact them .They keep ignoring me and sweeping my complaints under the carpet! Please help
Product: Vehicle loan or lease

I recently reviewed a copy of my credit report and noticed fraudulent activity that is hurting my ability to obtain fair credit.
Product: Money transfer, virtual currency, or money service

COMPLAINT DETAIL XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I purchased a money order, for cash, from PLS Check cashers at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The money order was for {$500.00} and was payable to XXXX, my landlord, for my monthly rent. 
I mailed the money order to XXXX at XXXX, XXXX XXXX # XXXX, XXXX NJ XXXX. XXXX informed me that they did not receive the money order and after PLS researched for me I was given a copy of the money order which had been fraudulently altered to be payable to XXXX XXXX, to the order of XXXX XXXX XXXX. I do not know either XXXX XXXX or XXXX XXXX. 
On XXXX/XXXX/XXXX I completed an Affidavit of Alteration and was told by XXXX, Store XXXX at XXXX XXXX XXXX XXXX, XXXX, NY XXXX that it would take 6 months to research my problem. I also filed a police report. 
After 6 months I was told the research would take a year but I still received no information. I consulted with XXXX XXXX XXXX who also called PLS and were told that the research would take 18 months and no further information was available. XXXX XXXX XXXX wrote on my behalf to PLS and to XXXX XXXX, XXXX XXXX, Illinois the issuers of the money order but no further information has been received. 
It is now 21 months since I filed my Affidavit of Alteration. I believe I should receive repayment of {$500.00} or an explanation as to why that is not possible.
Product: Debt collection

Ive uploaded both documents with the information asked for. Ive tried to dispute through the company and nothing ever changes
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Inquiries on Credit Report Dear TransUnion, I am writing to express my urgent concern regarding unauthorized inquiries on my credit report. The following list details the recent inquiries made without my explicit consent : XXXX. XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe these inquiries not only breach my privacy but also raise concerns about potential identity theft. In addressing these unauthorized inquiries, I want to highlight the following legal violations : 1. **Fair Credit Reporting Act ( FCRA ) Violations : ** - Section 604 : The inquiries lack permissible purpose.

- Section 606 : The disclosure of investigative consumer reports occurred without proper authorization.

- Section 609 : I have not been provided with adequate disclosures about these inquiries.

- Section 611 : The procedures for disputing inaccuracies have been overlooked. 

XXXX. XXXX XXXX XXXX XXXX XXXX Violations : ** - Title XXXX, Chapter XXXX : Unfair or deceptive acts or practices have been committed.

- Section 37-20-110 : The unauthorized inquiries are clear violations of this code.

- Section 37-20-160 : Procedures for correction of inaccurate information have been disregarded.

I demand an immediate and thorough investigation into these violations, with prompt removal of these unauthorized inquiries from my credit report. Failure to do so will compel me to take further legal action to protect my rights and seek redress for the damages incurred. 

Your swift and decisive action in rectifying these violations is not only legally mandated but also essential in restoring the integrity of my credit history. I anticipate your cooperation in this matter and expect resolution within a reasonable timeframe. 

This complaint was construed and submitted in good faith.
Product: Credit card

On XXXX   after my lawyer at the time, XXXX XXXX, electronically charged my Bank of America credit card another XXXX in fees, I emailed him to inform him that he could not submit additional fees to that credit card as it was almost at the limit. That transaction had put the balance of the card at XXXX XXXX and the limit on that card was XXXX XXXX. XXXX XXXX responded affirmatively to my email concern ( see email in attachment ). On dates between XXXX, XXXX proceeded to submit 4 different charges of XXXX XXXX XXXX XXXX XXXX on that card and without providing me with invoices prior to those fees being charged on my credit card as per our contract. BOA approved the {XXXX XXXX  and that caused me to be about XXXX} OVER my credit limit. BOA did not make ANY attempt to contact me regarding these fees that they approved prior to approving that caused me to be almost over my credit card limit by double! I have NEVER gone over my credit card limit or even close to it. I was a Gold rewards member of BOA and I had always paid my entire balance off at the end of the month, had BOA contacted me or reviewed my personal credit card usage history they would have observed that this was not normal activity for me. I also believe that the services that he claimed were rendered are false, he charged me over XXXX for less than a month of representation. I contacted BOA as soon as I saw those fees on my credit card and initially BOA reversed the charges, however, after BOA spoke with XXXX XXXX, the charges were applied to my credit card again. I also spoke to XXXX regarding this, and he made threats to me and was extremely unprofessional. XXXX also had reassigned my case to one of his newly hired associates, who was completely incompetent. When I attempted to address my concerns about the lack of experience and incompetence level of the associate with XXXX during a court lunch break, he threatened to have his firm withdraw from my case the same afternoon, leaving me to believe that I would have to return to the courtroom without legal counsel. 
My name is XXXX XXXX, I am a XXXX XXXX XXXX with excellent credit ( prior to this case ) and I have been an upstanding citizen serving my community through my work at the XXXX  I would appreciate it if someone can contact me ASAP to let me know if I have reached the appropriate contact ( s ) for assistance with this issue with a very unethical attorney that has done this to previous other clients per the XXXX XXXX XXXX 
I have spoken to multiple representatives at BOA regarding this matter and their customer service was more than inadequate, some were downright rude to me. When I asked a BOA supervisor how they even approved the charges when doing so would put me severely over my limit, she stated, " Well, he's a lawyer so we assumed he was reputable ''. I have since closed my BOA credit card ; however, I still do not have an acceptable resolution to this issue for the services that were not rendered, and my balance is still several thousands dollars over the limit that BOA had set for me. received a letter from BOA stating that they reviewed the Thank you, XXXX XXXX XXXX
Product: Debt collection

We owe {$960.00} on a XXXX XXXX charge card ... it is now placed with the agency of Valentine Kebartis office and I have set up payment arrangements by ck on the XXXX of every mon ... They called me 16 x between XX/XX/XXXX and XX/XX/XXXX. I explained that I have payment arrangements made but they say because I send a check and not do a scheduled payment arrangement when they control the payment I must get this calls because their computer doesn't recognize a payment mailed in??? It is abolutely ridiculous how rude the lady was that I spoke with. 
Their number is XXXX I have blocked them from calling me Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by XXXX. If you look in that XXXX  file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXXXXXX XXXX XXXX  ', XXXX  insurance company and credit collector XXXX XXXX fault. 

I have also attatched a screenshot of the tradeline from my credit reports.
Product: Debt collection

For more than a week now they have called everyday sometimes 3 times a day. I have told them I ca n't pay, I have no money coming in. What money I have is to pay utilities, and do not call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX representing both XXXX and XXXX XXXX is reporting on both experian and XXXX that I am currently late every month on an accounts that they wrote off in 2019 as cancelled debt. They issued me two 1099-C that I had to include on my taxes. I am not currently late for any payments because the accounts are closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. They are being included in my credit score calculation incorrectly as well. Both Experian and XXXX are reporting these accounts incorrectly despite several dispute requests.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX
Product: Consumer Loan

I want to file a " Bait and Switch '' Complaint on Lending Point. 
The WEB SITE states : Can I Apply For a Lending Point Loan? 
Easy Questions To Help You Decide Am I at least 21 years of age? 
Can I provide a government issued photo ID? 
DO I have a social security number? 
Do I have a minimum annual income of {$25000.00} ( from employment, retirement or some other source )? 
Do I have a verifiable personal bank account in my name? 
Am I interested in a personal loan of {$3500.00} up to {$20000.00}? 

If you answered YES to these questions, let us see if we can help you rewrite your credit story. 
The Company refused me a loan based on low balance in Checking Account! Th Company MADE 15 requests for data and even told me I was PRE-APPROVED For {$17000.00}! 
The advertisement does not match their process, plus they requested bank account statements and recent history and and I believe those are privacy issues related to my purchase history and not germaine to application. I request enforcement action! Process Review, FINES, and ENFORCEMENT. Why dont they have to have an address posted? Their Telephone number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached report I have Several Fraudulent accounts opened in my name, alone with several inquires that I didnt authorize.. I disputed with the consumer reporting agency.with no results.. Also XXXX the middle of figuring out how to add temporary freezes to my report.. Ive file an identity thief report..The accounts are listed below XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Balance {$420.00} Updated on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX LATE PAYMENT Balance XXXX Updated on XX/XX/XXXX XXXX Link card name|What 's this? 
LATE PAYMENT Balance {$380.00} Updated on XX/XX/XXXX XXXX XXXXXXXX Link card name LATE PAYMENT Balance {$320.00} Updated on XX/XX/XXXXXXXX XXXX XXXX  BANK Link card name LATE PAYMENT Balance {$600.00} Updated on XX/XX/XXXX XXXX XXXX XXXX  Link card name LATE PAYMENT Balance {$16.00} Updated on XX/XX/XXXXXXXX XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a Bankruptcy listed on my credit report and asked XXXX  to verify the public record. XXXX  has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy Court-Northern District of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if XXXX  can not show how they verified this public record Remove this entry from my credit report.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and fourth with Equifax asking to update my address and send my current Credit report. It started in XX/XX/2019. I spoke with several representatives and supervisors, I sent several documents by mail and fax and they stated they haven't received them. The documents I sent is to validate my identity and prove I am at my current address which is XXXX XXXX XXXX XXXX XXXX XXXX CT. XXXX. I also explained I do not have a current Id with this new address because I cant afford to get one at the moment so they told me to send other documents : which I sent. This is all costing me money that I don't have. I ran out of options and now I am asking for your help. XXXX  and XXXX  have updated and fix my credit report. Equifax has several inaccuracies on my report. Please help me with this matter!
Product: Checking or savings account

The bank refuses to fix a credit reversal from several months ago i talked with a claim specialist and was told to close my account and there is nothing she will do very rude women the amount is XXXX
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 section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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.