23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN XXXX OF THIS YEAR ( XXXX  ) WHEN I CHECK MY CREDIT REPORT XXXX MONTHS AGO I NOTICE THAT THERE WAS ALOT OF HARD INQURIES FROM COMPANIES I NEVER GAVE MY PERMISSION TO RUN MY CREDIT. I HAD WRITTEN TO ALL XXXX CREDIT COMAPNIES AND PLACED A CREDIT FREEZE ON MY REPORT AS WELL. WITH NO LUCK, NONE OF THE CREDIT COMPANIES REMOVED ANYTHING. 
I HAVE BEEN WRITING BACK AND FORTH TO THEM AND STILL NO LUCK. BECAUSE OF THIS MY GOOD CREDIT HAD DROP AND I AM NOW NOT ABLE TO GET A HOME LOAN. I AHD GAVE ALL XXXX CREDIT COMPANIES DOCUMENTS SHOWING I DID NOT GIVE MY PERMISSION AND I ALSO HAVE AN I.D . THEFT ALERT ON MY CREDIT FILE FOR ALL XXXX COMPANIES. I DO NOT KNOW WHAT ELSE TO DO, CAN YOU PLEASE HELP ME OUT ....
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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

I WANT THESE FRAUDULENT INQUIRES OFF MY CREDIT. THIS IS HARMING MY ABILITY TO GET WHAT I WANT DONE IN LIFE. THEY APPEARED TODAY. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I put Experian, XXXX XXXX XXXX XXXX on notice that someone had attempted to use my information to obtain different lines of credit. I also filed a FTC report along with a police report. I called into each credit Also on Tuesday XX/XX/XXXX, spoke with different agents about the matter. XXXX and XXXX XXXX both confirm that that they received my complaints and proceed to delete that Hard inquiries from my credit report.Today I checked my XXXX XXXX Account and to my surprised I noticed that they in fact deleted the inquiries but then some how placed them right back on my credit report I have attached screen shots of what I see on my end.Im attaching the list of hard inquiries that do not belong to me to knowledge and after calling the creditors making sure I do not have any open accounts with these companies. 


now Im am contacting your company to have to you promptly fix this matter is low horrible to anyone else that might decide to business with that credit has been ran so much and I can deeply about my credit and the business I do with creditors that I do have. I my credit report reflects that much. 


Heres the list of the inquiries that were added back on I'm assuming by mistake to the computer system. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX. XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

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

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. This is not a complaint to open or dispute and of the following accounts listed in this here complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Innovis does not have my consent to furnish a consumer report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I call Venmo with problems about logging into my account. they told me to upload a picture government issued id, so I uploaded the id after that the very next day they froze my account with {$1200.00} of my money they said that I violated the policy by uploading my id I have {$1200.00} and they wont allow me to access It
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 someone had sent me {$410.00} on XXXX through Chase Bank. This person said that they sent it to me accidentally and to send it back which I did immediately. As seen in the screenshots this person requested the money but after it was sent they canceled the request payment because I sent the money back.This person made a claim and reversed this charge so Chase took {$410.00} out of my account. I have tried to contact this person but I have had no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.
Product: Mortgage

They accepted a payment from a unauthorized party after I verbally and through expressed not to. I then made a two month payment AND updated our bank info with new bank info on the phone with a person and they still tried running the payment through our old bank. They have put some kind of block on our account via through the website that wont allow me to update the bank info again. When I called them about the unauthorized payment they began arguing with me cause they didnt want to reverse it cause it would cost them money. They tried telling me they were going to send ME the money from the unauthorized party in the form of a check, I said absolutely not you will reverse it cause I verbally told you not to accept it and you did anyways. Now they are purposely trying to cause a late payment that will affect my perfect credit and we are about to be getting anew construction loan. This house is sold and closes on XX/XX/XXXX. They lady who got very ugly with me on the phone is purposely doing this. Her name is XXXX, I was refused to be able to talk with their HR dept repeatedly. Ive been recording all phone conversations with them. My wife and kids in addition to the recorded calls are all whiteness as do all this stuff on speaker phone for these exact reason. We are in a world of customer no service and poor attitudes from people who are in the wrong line of work. 

SN Servicing is the company BEWARE of this company, they have no business handing peoples mortgage.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

In, or around, XX/XX/2023 I purchased a XXXX fitness watch which was advertised as fully refundable from the XXXX website. I returned it within a week and within XXXX  days or so I received notification that my refund had processed. The refund has not shown up on my credit card and in fact my card balance continues to reflect the full amount of the item. I disputed my statement with Synchrony but did not receive results of the investigation nor did I receive a letter stating they would take an additional XXXX days to research nor did I receive provisional credit. Please review the attached documents that show the purchase and subsequent refund issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX FCRA violations : not my names XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Single XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX FCRA XXXX : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$25000.00} Status Open.
Product: Credit card or prepaid card

I received UI payment to a debit card called, Georgia Way to go Program card. I need to transfer the funds from the debit card to my bank. I did this in XXXX, with no problems. There is no longer the transfer funds option online and that is not ok. Their Terms of Use document explains that I can transfer funds to my bank account for a {$1.00} fee and to call their customer service line at XXXX. The number is all automated and can not get through to an actual customer service representative. They also do not have an automated option for transferring the funds. In addition, the terms of use documents explains that I can use a " fee free '' ATM of theirs with their MasterCard logo and XXXX logo. However, it also says those ATMs will incur a fee. So they are saying 2 totally different and contradicting things.
Product: Credit card

I initiated my fraud claim regarding account XXXX since 2011 with complete criminal fraud police report and supporting documents, those proofs that the affidavit took place supporting my position. However, Chase was never to respond in writing, was damaged my financial reputation. I had to requested re-initiated my fraud claim and requested Chase response with writing about the investigation status. Again, Chase did n't provide any written notice when they received my re-initiated claim requests in written over 30 days. I tried to contact with the investigator and cardmember service, they info me that their system did n't show updating status over phone. I have to spend over a hour to repeat my claim with different representative, however they did n't provide any status update. The investigator did n't reply my call since she received my additional supporting documents those proofs that I were identity victim.
Product: Credit reporting or other personal consumer reports

Transunion, and XXXX continue to report inaccurate information on my consumer report. 

The account listed below has several inconsistencies. This means the account has not been properly validated and therefore can not be verified as accurate. 

XXXX XXXX XXXX Account XXXX XXXXXXXX Last Verified : XX/XX/2023 -- Date of Last Activity : XX/XX/2023 XX/XX/2023 Closed Date : XX/XX/2023 -- Account Rating : Closed Paid 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 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 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.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately
Product: Credit reporting or other personal consumer reports

Ive requested verified documentation of the information being reported on my credit report to only receive false investigation results and letters attempting to stall my request, Ive sent via certified mail documents to XXXX including signed statements, request to remove false information along with my photo ID and a letter from my mortgage company to verify my address and full social security number. Ive received over five letters back saying they believe I did not request the investigation and Ive responded several times saying it was me who submitted the request. Equifax is not following FCRA guidelines with proper investigations and has deliberately stalled my disputes causing my score to decrease and cause me to be denied credit. They have also denied me access to the documentation that these creditors are reporting to my credit report. I want factual evidence of the accounts Ive disputed from the original creditors on my credit report that it is being reported correctly. 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 has violated my rights.
Product: Credit reporting or other personal consumer reports

Theres an XXXX report on my credit its a account in good standing by the way, but its not mine! 

It says that the account was opened on XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file and found the following items reporting as a result of identity theft. Please remove the following items from my credit file : Incorrect Names : XXXX XXXX XXXX Incorrect Names : XXXX Incorrect Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXXXXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX Bal : {$59.00} XXXX XXXX XXXX - XXXX XXXX - Bal : {$660.00}