23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This complaint is for experian Accounts in dispute XXXX ( what appears on my credit report ) XXXX ( I dont have the complete number account ; this is from a letter I received from XXXX XXXX XXXX XXXX writing regarding the account with XXXX XXXX XXXX On XXXX I purchased a property located at XXXX XXXX XXXX XXXX, CA. However, I did not live in the property, as I rented the property. My address since XX/XX/XXXX, is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My identity was used to opened accounts fraudulently without my authorization using the address at XXXX XXXXXXXX XXXX XXXX, CA. Ive been a victim of identity theft, my identity was used to open accounts with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont know the exact year in which the accounts where opened. 

When I contacted XXXX XXXX, they transfer me to the department of collection. They say they can not remove the account from my record because I made payments using a XXXX XXXX XXXX account. However, the fraud department of XXXX  XXXX XXXX carried out an investigation and has resolved to close the accounts under name as they were opened fraudulently. In the same way the fraud department of XXXX XXXX did an investigation and deleted the accounts as well. 
Ive tried several times to contact XXXX XXXX, I sent them a copy of the identity theft police report, my apartment contract, and my utility bill. Yet XXXX XXXX refuse to delete the accounts from my credit report. 

Im requesting the XXXX XXXX accounts to be removed from my credit. Im attaching the police report, my apartment contract, my ID and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to remove a fraudulent account from my credit file despite my repeated disputes. The account in question is XXXX with an account number of XXXX opened XX/XX/year>, which does not belong to me and was opened fraudulently. 

TransUnion has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after I disputed the account.

15 U.S.C. 1681s-2 Furnishing inaccurate information despite being notified of the dispute.

15 U.S.C. 1681i ( 5 ) Failure to delete inaccurate or unverifiable information from my credit file.

15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of the information reported.

I have provided all necessary supporting documentation to TransUnion, including a police report and an identity theft affidavit, yet they continue to report this fraudulent account. Their failure to act has caused me financial and emotional distress.

I request that the CFPB take immediate action to ensure TransUnion complies with federal law by permanently removing this fraudulent account from my credit report. I also request that TransUnion provide a written confirmation of the deletion.

Please let me know if additional information is needed to process this complaint.
Product: Credit reporting or other personal consumer reports

I respectfully ask for a removal of this inquiry that are not initiated by me, and made without my consent. These requests are irrelevant to me, and I didn't give approval to them. I demand their prompt expulsion from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i sent a letter to XX/XX/XXXX to the address being reported on my credit report from the credit bureaus asking for validation of debt ... ..today XX/XX/year> this letter was returned to me saying that the address being reported is incorrect... the bureaus are required by law to provide 100 % accurate information on the credit reports which includes contact information to the creditors that are reporting and this is inaccurate and wasted 3 months here causing me financial damages... ..i have attached photos as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX SS # XXXX DOBXX/XX/XXXX Account-Capital One Bank Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XX/XX/XXXXto XXXX , XX/XX/XXXXI recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account Capital One Bank These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My morgage lender has changed lender companies 3 times. XXXX XXXX XXXX  and now newrez. I've been trying to call the company now for 2 months and they never answer. Initially I called to inquire about a forbearance plan due to covid. I said I was interested but needed more information before accepting being placed on it. They said they would call but they never did and they send a letter instead stating I was on a forbearance plan. I want to ask question as the form can not answer my questions. They also sent me a tax form stating I owe more than 2500 and that it is delinquent. This was a tax that they where supposed to send me the first year of my mortgage and they just sent it now the 4th year stating It is delinquent. They never sent an initial paper or I was never informed about it by letter or in person. The letter states I can make a payment plan but how can I when they dont answer my calls at all. It's been two months. Prior to not answering they answered me but could not provide me with adequate information regarding the forbarance plan. I believe I have the right to ask questions before they put me on any plan without me giving the okay or signing. They have also changed my home insurance without my signature and sent me a letter to sign without any information stating my insurance provider was going to be changed. It was after various calls I was able to find out they changed it without my permission and I requested I wanted to change it back because it was less money than the one they tried changing me to. In addition, they have sent me refinancing paperwork that gives false information about my current mortgage and the future mortgage " reduction '' I will get. I made calculation with the help of an accountant and I would end up paying more of i refinance. Their advertisement about refinancing is deceiving. I just want them to answer my calls and answer my question so that I can work something out with them but it seems impossible to do so. I really believe that they are doing fraudulent activity because my last year statement are not on the website to download like they should be and their website does not give me proper information about my loan. It only has statements of XXXX year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my mid XXXX so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. I have filed a police report with my local department.These people opened multiple credit cards in my name, obtained appliances and furniture, opened cell phone accounts, and rendered medical service all under my social security number. None of the accounts on my report belong to me I have contacted all the companies that are on my report to no avail. Companies like XXXX  XXXX  for XXXX and XXXX, and XXXX XXXX XXXX for XXXX. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX 8 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Student loan

I am submitting this information about Student Credit Union Connect in which was a private student loan from the school of XXXX XXXX XXXX in which I attended from XXXX to XXXX. I received this loan with this company that is affiliated with XXXX XXXX XXXX and I declared a chapter XXXX bankruptcy XXXX of XXXX and I was also discharged in XXXX. This loan was transferred to another division of this company or either the company had moved in which the attorneys tried to inform them of my bankruptcy in XXXX. I informed this company about my chapter XXXX discharged and they refuse to refund me my payments that I made in XXXX all the way until XXXX. They continued to bill me and send me threats of putting negative information on my credit while I was struggling to pay them. I looking for a refund of all of my payments that were made to them from XXXX. This company refuses to let me speak to any managers, they tell me no managers are available, they tell me that a manager will call me back and I never get a call back. In the mean time XXXX XXXX XXXX filed a lawsuit against this company and made a agreement with this company to close our accounts and XXXX balance our accounts out but in the mean time they were billing me and forcing me to make payments after my bankruptcy was discharged from XXXX to XXXX and I will like my money back even though they just closed the account out due to the XXXX XXXX XXXX lawsuit.
Product: Debt collection

Multiple violations that are being reported on my credit report with this debt. Sent in multiple letters with no verification being sent back. 

They are reporting : a closed account with a past due amount ( letter sent XX/XX/XXXX ) XXXX different dates listed under date of last activity ( letter sent XX/XX/XXXX ) Closed account reporting open ( letter sent XX/XX/XXXX )
Product: Credit card or prepaid card

I had planned to go to Georgia, from XX/XX/XXXX to XX/XX/XXXX. So I called today to the Hotel to cancel then to XXXX XXXX which whom I had booked my flight with. I was told it would be canceled but no refund back to my credit card. But instead I could obtain a credit for {$320.00} until XXXX. So I explained that I would not be traveling no time soon due to the ( covid19 ) issue explaining that I should obtain a full refund due to the pandemic. I was declined that opportunity so I decided to see exactly what could be done about this issue during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

PLEASE REMOVE IMMEDATELY.
Product: Payday loan, title loan, personal loan, or advance loan

We took a loan out with Mariner Finance in XX/XX/XXXX as an installment loan. We fell behind in payments for a few months but waws able to bring the account completely current as of XX/XX/XXXX and have been current ever since. We were surprised to receive a summons to appear on this loan through small claims court for XX/XX/XXXX last week and today we have attempted to make our regularly scheduled payment and have been restricted in doing so via debit card ( which is only way they will accept payments along with a fee ) which has now placed us as of today late by no fault of ours. 

I feel this company is predatory and not fulfilling their obligations under the truth in lending agreement and forcing us through a legal process despite being current as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: Credit reporting or other personal consumer reports

some one applied for cerdit in my name without my approval
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. 01 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Prepaid card

I was going to transfer about $ XXXX on XXXX from the child support card to my main account but decided not to for many reasons. I was not able to use the card over the holiday weekend, they cancelled the card and was not able to confirm exactly the reason. I did not want to transfer funds till after I pay bills next month so they wouldn't be held multiple days during the transfer. Now they cancelled the card, asking me to send photo id, and tell me they cant review my faxed photo id for two business days, charge me for a new card, after they take two days to review my ID. Then they will then send a request to expedite a new card. I wont have access to money so that I can pay bills at the end of the month. They are holding my funds from me, profiting by charging my card and to expedite shipping a new one to me, and refuses to make it a priority so I can pay bills. 

US Bank Card for WA state child support
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANS UNION XXXX XXXX XXXX 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 wrong reporting of my address, fraudulent account and inquiries located below ; XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX XX/XX/year> TRANSUNION The consumer credit report maintained by you was not opened, made, or initiated by me. From the wrong addresses, fraudulent account, 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 inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies listed below, has violated my rights. 

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 an account without my written instructions XXXX  ( XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I would like to also add that XXXX XXXX XXXX  and XXXX XXXX are reporting from the same creditor as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

The following fraudulent inquiries aren't mine and transunion won't help me to remove them so my credit report is accurate .There was no permissible purpose under which the inquiry ( s ) made and I intend to hold both the creditor and transition liable. 

XXXX XXXX XX/XX/XXXX, XX/XX/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 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 reporting, credit repair services, or other personal consumer reports

I didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

I had my American Express Hilton credit card set to Autopay, so was surprised when I received a {$29.00} late fee plus interest charge. When I called to find out why Autopay didnt work, XXXX XXXX that when I changed my payment method to another bank account that Autopay gets automatically turned off. He said it was in the fine print, but I know I read the fine print and did not see that specified. He refused to remove the late fee. There should be a pop up box or other obvious notice when Autopay function gets shut off!!!
Product: Debt collection

I am unaware of this debt and I had never received any information about it or my rights to dispute the debt. This violates my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy/CBNA took me to XXXX County District Court Division and the courts ruled in my favor. Best Buy/CBNA continues to report the account on my credit as a Charged Off account and it is causing me XXXX XXXX.
Product: Debt collection

on XX/XX/XXXX the company ARS RESOLUTION solutions responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX, is a provider of XXXX XXXX XXXX  services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service.the response of the company is a dispect to my rights as a consumer, the company response as : Our response remains unchanged.by this being stated, ARS RESOLUTION SERVICES has accepted all liabllity by NOT providing with the documents to verify this dent under fdcpa..I NOW WILL BEGAN TO START MY FEDERAL LAW SUIT UNDER MY RIGHTS AS A CONSUMER AND UNDER United States Court of Appeals , Third Circuit. Jennifer CUSHMAN, Appellant, v. TRANS UNION CORPORATION. No.96-1553. Decided : XX/XX/XXXX and IN THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT No. 00-15946 TOBY NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORPORATION, et al., Defendant-Appellees. ON APPEAL FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEVADA this company has continued to violated my right under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regards of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the THIS IS A HIPPA VIOLATION, NO RELEASE FORM HAS BEEN SIGNED BY ME THE CONSUMER UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) 15 U.S. Code 1692c - 15 U.S. Code 1692e