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

My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with Alliant Credit Union through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX XXXX breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called Alliant and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to Alliant. Now Alliant is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from XXXX XXXX proving fraudulent activity. I gave them all the information, except the note from XXXX XXXX because that is not my account. They said we looked it up and your name is on the account. XXXX XXXX has tons of accounts with the name XXXX XXXX. I called XXXX XXXX  and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and Alliant had only given me the last 4 digits of the account number, they could not help me. Alliant won't listen and says I have less than 30 days to prove that is not my XXXX XXXX account or they will assume that the loan for {$16000.00} is legit. Alliant allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a credit report dispute with the XXXX XXXX and Transunion. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 30 days late starting XX/XX/2020 and XX/XX/2020 ( XXXX  & XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. My payments are on autopay, so this makes me even more confused
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

These accounts and inquiries are with : XXXX XXXX - XX/XX/XXXX with a balance of {$14000.00} XXXX XXXXXXXX - XX/XX/XXXX with a balance of {$2500.00} XXXX XXXX - XX/XX/XXXX with a balance of {$1700.00} XXXX - XX/XX/XXXX with a balance of {$0.00} There is also a fraudulent inquiry with : XXXX XXXX - XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint of ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX  {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I don't often check my credit report, however today I did. Upon logging into XXXX I notice my credit scores dropped and I had a derogatory problem on my credit. Upon looking into in it was for collections of {$2400.00} from a XXXX  account. Thing is I don't personally use XXXX, nor do any members of my immediate family ( we use XXXX XXXX XXXX  ). I have a XXXX work phone and if this was a real issue I'm certain my company would have informed me. This charge is fraudulent and I have no intentions of paying any of it especially for how insanely high the charge is.
Product: Debt collection

XXXX XXXX credit card {$860.00} According to my credit report the account was opened XXXX of 2022. 
The collection company is MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Which seems like scammers because when I called to get more information about the card and charges they were trying to get more money and a monthly subscription of {$100.00}. They claimed they would resolve all my issues an boost by credit within 90 days. I declined and declined to call XXXX XXXX and filed a dispute and the advised me to file a report with your site. 
XXXX XXXX Thank you
Product: Debt collection

Allegiant Capital Recovery attempted to collect on a debt that they were not entitled to collect on. The company my debt is with had withdrawn the debt from their company 2 months ago because of their harassment towards me. They have continued to call me and berate me while threatening to sue me for {$5000.00} which is nowhere near the amount I owe. They have verbally harassed me and tried to get money out of me that they are not entitled to. They are a disgusting company who should cease to exist.
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. 

List of Unauthorized Inquiries : 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.
Product: Debt collection

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. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wellsfargodealersvcs XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these creditors. I have no loan with them.
Product: Credit reporting or other personal consumer reports

CREDIT ACCEPTANCE CORP Is the company last report was XX/XX/year>, I have a agreement with this loan company to pay XXXX every XXXX weeks due to hardship my original payment is XXXX a month but due to hard ship XXXX not able to pay the full XXXX and the company is reporting late payments on my credit report although we had an agreement of the XXXX every XXXX weeks I will like the my payments to be updated to paanl status. My payment cant not be late if we agree to this payment plan.
Product: Credit reporting

I was a VICTIM of their " inquiry issue ''. back in XXXX my inquires were all deleted off my report, I called that day and transunion verified its right and okay, a few weeks later these inquiries appeared right back on my report, no notice from transunion, nothing i called again and i was speaking with a rude CS and told me they will remain on too bad now this is n't fair, they were removed and should stay off i have proof of it, removed was XXXX XXXX, XXXX XXXX, XXXX again, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( which did n't come back ) all the others came back and has hurt my score for mortgage, after transunion removed them, then did n't notify me of placing them back on i wouild like my already removed injuries back off, as in XXXX they assured me they would stay off
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that does not belong to me. Specifically, an account with XXXX XXXX ( account no. XXXX balance {$3500.00} ) and two ( 2 XXXX XXXX XXXX accounts ( account no. XXXX balance {$960.00} ; and account no. XXXX balance {$610.00} ). I can not count the number of times I have contacted these four ( 4 ) companies to report fraud and ask for these accounts to be removed. Yet, they continue to be listed on my credit report in violation of FCRA guidelines. I have already sent my FTC report to these companies and the accounts should have been removed a long time ago.
Product: Vehicle loan or lease

On XX/XX/2018 my XXXX XXXX XXXX was totaled. 
My XXXX XXXX policy paid a claim of {$7000.00}. ( claim # XXXX ) Claim manager XXXX XXXX XXXX..ext. XXXX I called Santander today and my " estimated '' pay off is XXXX.. 
What does " estimated '' mean..I owe no late fees, XXXX XXXX  claimed title so I owe no title fees. 
My phone was monitored for quality assurance..so if you have any questions about that..you have a recording. 
On XX/XX/2018 you will receive a payment for {$800.00} paid through my bank. 
I think it is highly possible you owe me $ . 
I expect to receive a statement stating I owe you {$0.00} yes that is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Transunion, XXXX and XXXX stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputed regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar Violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

The Accounts I am having issues with that are inaccurate on my credit file is : XX/XX/XXXXOpened XX/XX/XXXX for {$170.00} Under Name XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX for {$250.00} Under name XXXX XXXX XXXX Opened XXXX XXXX for {$630.00} Under name XXXX XXXX XXXX XXXXXX/XX/XXXX Opened XXXX XXXX for {$330.00} Under name XXXX XXXX XXXX XXXX Opened XXXX XXXX for {$15000.00} Under name XXXX XXXX XXXX XXXX Opened XX/XX/XXXX for {$3200.00} Under Name XXXX XXXX I request these account be removed from my credit file immediately
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion website is not user friendly whatsoever. It will not let you dispute an error.

I want Transunion and XXXX to both investigate XXXX XXXX XXXX account on my credit reports.

XXXX XXXX XXXX has reported that I am 30 days past due on my payment which is completely false. I have made all payments on time. I want Transunion to make the correction on my credit report as I am not 30 days past due. I have proof from XXXX XXXX XXXX account website that I have made all payments and I am not 30 days past due.
Product: Debt collection

Hello Bank of America This is in regards to a Fraudulent credit card open in my name. I have tried a few times to get this fraudulent card removed off my credit file and cease all collection activity. I have filed a FTC report regarding this fraudulent credit card.
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau are reporting inaccurate information on CREDENCE RESOURCE MANAGEMENT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this collection account from my personal file. 
CREDENCE RESOURCE MANAGEMENT XXXX Date Opened : XXXX. XXXX, 2021 Balance {$270.00} CREDENCE RESOURCE MANAGEMENT ( XXXX XXXX  ) ***** Date Opened : XXXX. XXXX, 2021 XXXX {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was younger I unfourtuantely was not very protective of my personal information. During the summer of 2014 I left of a trip accross the country to which i had lost all my belongings at airport coming back. Ever since I had had numerous causes of fraud and identtity theft regarding to my name. I recently checked my credit report and was appaled at what I saw. These are the Fraudulent And Opened Account that were not authorized by me nor of my awareness. 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 There are also XXXX Inquiries that showed up recently on my report without my permission. XXXX. XXXX XXXX XXXX. XXXX XXXX. Bank XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX. XXXX AA XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX are just some of the items
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I purchased a XXXX XXXX from XXXX in XXXX XXXX TN on XX/XX/2018. We signed for a credit inquiry, and eventually accepted financing from XXXX XXXX. Several weeks later, we noticed a substantial drop in both our credit scores. As part of the loan process, there were 8 hard inquiries on each of our credit histories. The dealership did not disclose their intent to make multiple inquiries, and we would not have authorized that many. We only ended up taking a single loan from XXXX XXXX. One auto loan should not result in 16 hard inquiries, and that much damage to two peoples ' credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC RE : Account XXXX XXXX XXXX XXXX I am contacting you to inform you that Regional Acceptance has been inaccurately reporting a balance for the above listed account number of {$13000.00} for the past 13 months. Regional Acceptance wrote off the entire loan for {$32000.00} on XX/XX/XXXX received insurance payment in the amount of {$20000.00} on XX/XX/XXXX. Regional Acceptance also received XXXX XXXX payments from Truist Dealer Financial Service for this account in the amount of {$4200.00} on XX/XX/XXXX, along with a dealer check in the amount of {$4100.00} on XX/XX/XXXX. A credit card payment in the amount of {$1500.00} dollars was also made on XX/XX/XXXX. Regional Acceptance has not correctly reported any of the above listed payments on my credit report along with SEVERAL missing payments that were made from XXXX and XXXX. Regional Acceptance has received {$30000.00} in payments on this account. The CORRECT balance owed is {$2400.00}, yet Regional Acceptance has reported an inaccurate balance of {$13000.00} on my credit report for the past year and a half. 
I have disputed this information from my credit report several times, I have requested a validation of debt letter in reference to this account with ALL payments Regional Acceptance has received several times and never received it. I have called Regional Acceptances Recovery Department approximately 19 times and given a different story each time by the representative on why the balance has not been updated on my report or within their system or I just never receive a phone call back after leaving several voicemails and even faxing and mailing letters to them.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX  Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00} ; XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Product: Debt collection

Debt Recovery Solutions has called my phone on 5 separate occasions between XX/XX/2024 and XX/XX/2024. Each time that they call they either dont leave a message or they hang up when I answer. 

I spoke with a representative on XX/XX/2024 at approximately XXXX XXXX. The representative stated that this was regarding an alleged debt owed to XXXX XXXX XXXX XXXX from a few years ago. I kindly asked the agent to please send me something in writing ( a debt validation letter ) she verified my address and said they would send it. 

As of XX/XX/2024, no letter has been received. 

They called me on XX/XX/2024 at approximately XXXX XXXX  EST, as usual, I answered and they hung up. I then called them back on the same date at approximately XXXX XXXX  EST. The representative who answered did not state that this was an attempt to collect a debt but simply said the name of the company, her name, and that this was a recorded line. I spoke on the recorded line and stated that I requested something in writing on XX/XX/2024 and that nothing has been received and that they are way outside of their required timeframe that they are supposed to honor my right to receive a debt validation letter. I then asked them to please stop calling my phone.