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

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account XXXX. XXXX XXXX XXXX on XX/XX/XXXX late payment from comenity capital bank / forever XX/XX/XXXX inquiries from XXXX XXXX bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX financial ser XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the 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 reporting, credit repair services, or other personal consumer reports

There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XXXX of 2020 I have attached proof so that these payments can be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the Automatic Stay.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that I checked today there are unauthorized accounts on my report. Please remove accounts reporting in FTC and all 3 credit bureaus please today. I am not sure
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there are three instances of late payments reported on an account with which I have consistently maintained a flawless payment history. Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on. payments for the account with the indentifier [ XXXX XXXX Account Number : XXXX ]. I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " paid on time. '' Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously and with the utmost attention to accuracy. 

There are also Inaccuracies and Inconsistencies on this report that needs to be investigated. 

Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this discrepancy. Please keep me updated step by step.
Product: Credit reporting or other personal consumer reports

" M

ethod of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$XXXX} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Checking or savings account

My father, XXXX XXXX, passed away on XX/XX/year>. It was unexpected, and as such we did not have many account numbers, etc. of his assets. After becoming executor of his Estate and the personal rep, which was a long and difficult process, I learned he had a TD Bank CD and checking account. I have been trying to close these accounts and get the money from them for months now. Over the phone, they told me I have to come in person to a bank to provide the required documentation. Note -- NO other banks required this, and I was able to successfully provide the documentation to a fax number and receive certified checks from his other banks -- - like XXXX and XXXX XXXX. However, TD would not budge on this. The closest TD to my house is XXXX hours away, and I have XXXX small children. So I made an appointment at a branch in NJ when I was on a business trip there. I went in with all of the documentation that was required, and was told it was not good enough. I had the ORIGINAL document from the probate court, with the stamp stating it was an original, and TD bank told me it was not what they needed -- they needed an original document where the stamp " puffed up. '' I asked them if they were saying I needed to go to the court in Florida ( where my father 's Estate is probated ) and ask them why they didn't provide the correct stamp according to TD 's policies, and they said yes. I live in Virginia, and again, I have XXXX small children. At this point they are holding my father 's money hostage and are greatly inconveniencing me after an extremely traumatic event for my family. I am an XXXX  for another bank and we would NEVER treat our customers this way, especially our customers who have lost a family member. They also never got back to me after I requested legal review of the document I provided ( because I am an attorney at a bank, I know that it is a legally acceptable document ). I will now I'm sure have to drive hours out of my way again to try to obtain the funds from my deceased father 's accounts that the Estate is entitled to, all with XXXX small children who have just recently lost their grandfather.
Product: Checking or savings account

XXXX uses KeyBank for business banking. XXXX has multiple services through them including positive pay -- which gives the company ability to upload checks so vendor name and amounts can be checked before cleared to prevent fraud. 

XX/XX/XXXX dropped off a batch of checks to vendors at the US Postal office located in XXXX, Ohio. The batch of checks were stolen and two were altered. The alteration included changing the physical check and vendor that it was issued to. 
XX/XX/XXXX two checks cleared bank with the altered information totaling {$44000.00}. 
XX/XX/XXXX Vendor check was issued to called and inquired about where payment was? This cued XXXX that checks were altered. 
XX/XX/XXXX Police report made XX/XX/XXXX XXXX affidavits were submitted to KeyBank to report the fraud loss to XXXX XXXX and XXXX XXXX with KeyBank. The affidavits included copies of the original checks and the copies of the fraudulent checks. 
XX/XX/XXXX, XXXX followed up to request update. At that time, XXXX was informed that there was no record of a fraudulent claim for these checks. XXXX was then promised by XXXX XXXX that a case would be opened to start investigation. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX with no response. 
XX/XX/XXXX emailed XXXX XXXX to inform them XXXX would file a complaint and take legal action since no action was being taken. 
XX/XX/XXXX Called XXXX XXXX and was informed case was being escalated. 
XX/XX/XXXX Received phone call from XXXX with Keybank requesting all the information be emailed to her for escalation process to start. 
XX/XX/XXXX All information was sent to new point of contact. 
XX/XX/XXXX emailed for update with no response. 
XX/XX/XXXX emailed for update with no response XX/XX/XXXX emailed for update with no response XX/XX/XXXX phone call to customer service and they stated XXXX was not able to take our call. 
XX/XX/XXXX Keybank is still refusing to communicate with XXXX on this issue.
Product: Mortgage

Since XX/XX/XXXX I have been attempting to communicate and reach a solution regarding mortgage assistance with PHH Morgage Company. I believe some time ago Ocwen sold my FHA loan to PHH. I have had nothing but problems communicating with PHH. Unfortunately, I have not kept up with the payments but had for the past several years until I wanted to be considered for mortgage assistance. People advised me to stop making payments so that they would consider my hardship seriously. I am having hardship and I would like to be considered for a short sale or a Deed in Lieu of foreclosures. I have completed the packet mailed from PHH and I have emailed it back. On their letter there is a FAKE email address to send documents and after 30 days of communication, I finally was given the right email address and so I resubmitted the entire packet ( pay check stubs, tax papers, hardship letter, etc. ) They then said I did not have a signed tax document, so I resubmitted the packet again with the signature on the tax document. Still, they continue to claim I have an incomplete application and I just received a letter from attorneys regarding a foreclosure sale date on XX/XX/XXXX. I need help. Therefore, at this time, I am wanting to avoid foreclosure and put my house on the market for sale or at least communicate with PHH about other alternatives to foreclosure. The problem is I can never talk with the Relationship Manager-XXXX XXXX and I am never given any straight help from their underwriters. I don't know what else to do.
Product: Credit card

I have repeatedly explained to Capital One that I have not made or authorized any charges to XXXX XXXX XXXX. I have filed several disputes and Capital One is still refusing to refund me my money. In addition to that I was issued a credit from XXXX for food that was returned in the amount of XXXX and Capital One reversed it.
Product: Credit card or prepaid card

I received a letter from Fifth Third Bank stating that my credit card limits were being decreased. Fifth Third states that XX/XX/2020, my credit score from XXXX XXXX was XXXX. I received my credit report in the mail from XXXX XXXX which showed that an inquiry from Fifth Third Bank was not requested until XX/XX/2020 and XX/XX/2020. How was the suggestion from XXXX XXXX made if my credit report was not pulled on XX/XX/2020 by Fifth Third Bank?
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

Transunion has several unverified and authorized inquiries on my report. Ive had several unsuccessful attempts to get these fraudulent inquiries removed. The inquiries are : 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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you verify as accurate : Account name : VW CREDIT INC Account number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my account was closed with no notice of action, no email, no letter no call or text. Payments were made on my account but were not reported. They did not verify the account closure and there was no written form of communication, contract, or signature for this accused account closure.
Product: Credit card

I got notice on XXXX/XXXX/16 that there was suspected fraudulent use of my Bank of America credit card, which I applied for on XXXX/XXXX/16, but never received. I called immediately and failed a claim an closed the account. At that time, all {$1000.00} worth of charges were disputed and I filed a police report. On XXXX/XXXX/16, I received a bill for {$550.00}, including a {$75.00} annual fee. These charges included transactions from XXXX - XXXX, XXXX of which were made after the account was closed, totaling {$1500.00}. In addition, during that time, my cash credit limit was increased to {$1500.00} and my total credit limit was increased to {$5000.00}. I called for the 4th time to dispute these charges and wanted to know why charges were made two days after the account was closed and why the credit limit had been increased. The fraud specialist said she was removing the charges, but was unable to answer my questions. 
Although I will be relieved if I see these charges were actually removed and the account closed, this has caused an incredible amount of stress and taken several phone calls which have included being transferred three times, being placed on hold, having to repeatedly state my name, address, birthday, answer security questions, and explain the situation to each new person. The first person I called asked me to repeat my address FIVE times, wanted to know the code on the back of my card, the last XXXX digits of the card, and where I last used it. This was after I 'd repeatedly told him I 'd never seen the card, never received it, never used it. In addition, the line kept going dead and I 'd tell him I could n't hear him for up to 10 seconds at a time. I asked that he call me back on my cell phone, and he said he was almost done. I missed about 25 % of the conversation. 
This has been a most frustrating experience. I hope something will be done to train more competent representatives, who actually close an account upon request rather than leave it open and increase the credit limit. Being transferred multiple times, having to repeat myself, and receiving a bill for purchases made after the account was closed have made me feel like the thief is allowed to live it up while I 'm being punished time and again for something that was not my fault.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




ONLINE INFORMATION SER ( Original Creditor : 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report this morning, I was alarmed to find incorrect accounts listed, with no explanation for their presence. I regularly check my report, but this time, unexpected errors appeared. I even refreshed my browser, thinking it might be a technical issue, but the inaccuracies remained. Therefore, I request that the documents I provided be thoroughly examined to ensure I never have to deal with this again.
Product: Checking or savings account

On Monday XX/XX/XXXX I received my permanent card through ACE check cashing direct deposit I called to activate the card it was activated but the next step would have been for them to send me a verification in my email that would allow me to set a PIN number for this card at which time one of their representatives spelled my email wrong it was off by one letter I have been on the phone every day they keep telling me that I will have an email update by the end of the business day so here it is a week later I'm not able to access my money to pay my bills to buy my medicine to buy food or anything and now they're telling me there is no time set it might be a week a month or a year before they are able to reset my email address I just want to get my money and close out my account they won't even let me do that I need this resolved now
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and noticed there are some inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health