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 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

XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home.The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax 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 bureau, as willful negligence and non-compliance with federal statutes. Please CORRECTED the account in my Credit Report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message reaches you under acceptable circumstances. I am filing a complaint to address a persistent matter that remains unresolved despite my numerous prior attempts. This marks my tenth endeavor to draw attention to the ongoing issue of denied access to my personal credit report by EQUIFAX. Regrettably, they have consistently refrained from providing any information pertaining to my credit history. Enclosed herewith are supplementary documents that substantiate my claims, including duplicates of my personal identification.
Product: Checking or savings account

XX/XX/XXXX I deposit XXXX. I was told the funds would be available the next day. I went the next day XXXX. And withdrawal the money. I noticed a few days later my account was in the negative, I called the asked why and they said the check hasn't cleared. I asked them why did I get the money and they said it just may take longer. Than on Tuesday XX/XX/XXXX I went to deposit a check and I found out my accounts was frozen. Said the check I deposited was fraud which I had no idea. But I never received notification, the gave me the money and my account doesn't show anything wrong. It even shows the running balance. If there was a problem the bank should have never given me the money. Please help me unlock so I can take care of my family. 

TCF CLASSIC SAVINGS {$0.00} XXXX Manage my account Enroll and view online documents Export Transactions Search Search Advanced Search Options Running Balance Pending You have no pending transactions. 
2020 Posted XX/XX/XXXX FORCE POST DEBIT MONTH MAINTENANCE Utilities/Gas/Electric - {$1.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$4000.00} {$1.00} XX/XX/XXXX DEPOSIT Income {$4000.00} {$4000.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$350.00} {$1.00} XX/XX/XXXX ACH CREDIT STATE OF ARIZONA Uncategorized Income {$350.00} {$350.00} XXXX
Product: Checking or savings account

I have already spoke to capital one. It is a fraud case. Somebody took money from my account total of about XXXX XXXX A company called XXXX XXXX XXXX is de name that took de money but looks like fraud. So I have complain to capital one but no credit yet.
Product: Payday loan, title loan, or personal loan

So, Ive been trying to reach out to this company for awhile now and it seems like they dont want to help me out, I told them numerous of times that this account was open under my name without my permission and Ive been a Victim of Fraud, I told them I tried to disputing this with the credit Bureaus but you guys keep Denying it, I told them Im trying to buy a house and Im not sure why this was open and added on my credit report, this is hurting my credit for something that wasnt mine or applied for this. Customer service keeps telling me they have to transfer me over to a different department to help me and its over and over again
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with company confirmed fraud was the cause
Product: Credit card or prepaid card

Starting back in XX/XX/XXXX Bank of America mishandled my prepaid account I was receiving my unemployment  benefits on. Bank of America Blocked my account due to identity verification which I resolved immediately. They blocked my account for 4 months. As a result I ended up XXXX. Lost everything I owned In the process. Once my benefits were reinstated a few months down the line on XX/XX/XXXX I was involved in a car accident which landed me in the hospital for 3 weeks. lost my wallet in the process someone gained access to my account and made a few wire transfer via XXXX XXXX all transfers totalling {$4500.00} I called Bank of America to file Claim # XXXX two days later it was denied. I resubmitted over and over for the next few weeks each time faxing supporting documents and the outcome was still the same. Eventually I gave up because no help from bank of America. Almost 2 years later I still continue to XXXX XXXX XXXX XXXX   with my dog as a result of bank of America failure as a financial institution. I would like help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed.

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.

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! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I received an offer from HSBC for a credit card with a promotional 0 % apr for XXXX months. I applied and received an approval letter on XX/XX/2018. I received the card in the mail about a week later and activated it.i called a few days later on XXXX day to process a balance transfer. I was told there was a security hold on my card and I would have speak to security then I was disconnected.i called right back and the recording said they were closed for the holidays.I called back the next day XX/XX/18 security answered the line I explained to them there was a hold on my card.

The rep then said they are not security they are check fraud and transferred me to customer service. Spoke to the CS rep who said she would have to transfer me to security. I told her security just transferred me to you. She said no that was not true then transferred me to security. The rep came on line periodically to check in. After XXXX minutes I told her I could not hold anymore and asked for the hours of operation. She said XXXX to XXXX XXXX   days a week. The next day XX/XX/2418i called the number on the back of my card and an automated system came on and said hours of operation were from XXXX to XXXX XXXX and closed on weekends. Fast forward to today XX/XX/18. I took the day off work to get this settled. I started calling at XXXX XXXX I spoke to and was transferred to several different security people and managers. Each one telling me I had the wrong security dept. I was transferred to a security line for XXXX hours. I started calling on a XXXX phone line and put on hold. This is how bad it was. Calling on XXXX different phone lines telling me I would be in a priority que on one line. The XXXX hour hold on the other line was disconnected. Unacceptable!!! At this point Im on hold now for XXXX hours! I am so disgusted I call back into customer service and tell the rep I just want my account closed ... the rep asks me security questions and then tells me my account was closed on XX/XX/18 for being delinquent on the account.. Are you kidding me????? Ive never even used the card!, the rep then places me on hold to look at my account then hangs up on me.. I call back and after another XXXX   hold I get to customer service. I tell the rep again I want close my account. The rep says to close the account I need to send a passcode.. she sends it. I verify it and she says I will have to speak to security. Not happening because I was on hold for XXXX hours with them. Manager comes on the phone and says I need to talk to security to close my account. It is now XXXX Hours o the phone. When she tries to call security she tells me they are now closed! I WANT MY ACCOUNT CLOSED IMMEDIATELY. I want a letter that you are not reporting my account delinquent and the account is closed. I want the inquiry removed from credit report because you have made it impossible to use my card!,, This is the worst service I have ever experienced.. I also want all the calls listened to and explanation on the deplorable customer service I received.
Product: Credit card or prepaid card

I was given a {$100.00} Visa gift card for my birthday on XX/XX/XXXX and I tried to use it twice the following week and the card wouldnt work. I thought that maybe I needed to register it online, so I went onto XXXX and realized that the card was already registered to someone else and a purchase had been made the day after it was given to me by someone that is not me in a city where I do not live and there was only a {$.00} balance left on it. I followed the instructions to register it as stolen after calling the lost and stolen number on the paper included with the card, which included faxing in a copy of the card, my ID, and writing a letter asking XXXX XXXX ( the company who handles the card ) to open a fraud investigation. I faxed all of the information in, and after three tries of sending in physical and electronic faxes ( through an app ) they still hadnt transferred the card to my name or opened an investigation. I talked w/a supervisor on XX/XX/XXXX and told her that I wanted a different option for sending in their required info, and she gave me the address of where I could send hard copies of this information, which I immediately did. I still had not heard anything back on XX/XX/XXXX, so called in again and was told that they had transferred the card to my name and received all of my paperwork and were opening an investigation. As of XX/XX/XXXX, I called back again and was told that the card was NOT in my name. I called back on XX/XX/XXXX to  talk to a supervisor and was told that they are still in the process of putting the card in my name and that it may take an additional 90 days to do the fraud investigation. When I asked that customer service rep what company he worked for because I was going to file a complaint he told me, " XXXX XXXX ''. I specifically asked him, " that is the company name? '' and he said " yes. '' I believe he intentionally gave me the wrong information as the card is drawn from XXXX XXXX so that I would not have accurate info for a complaint. This company has been an absolute disaster to work with, with numerous people giving me inaccurate and erroneous information for something that was NOT my fault and that should be easily rectified and they have made it incredibly difficult every step of the way. I have now spent hours on the phone, doing faxes, and sending papers just to get a replacement {$100.00} gift card, and every time I call I have to go through the same process over and over again and there is never any progress or solution. I believe they are making it intentionally difficult so that they do not have to give me a replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXX. 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 XXXX  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
Product: Debt collection

I submitted a dispute the debt listed on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/XXXX certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
STATES RECOVERY SYSTEM/XXXX : XXXX Amount {$890.00} Fraudulent account and it isnt mine. 
Im a senior citizen an I have been living with my son since XXXX in his home. So how could i possible open an account for Utilities in XXXX?
Product: Credit reporting or other personal consumer reports

My account with Ally was never late I have had exceptional payment history with Ally and all payments were placed on autopay. These late payments that is reporting is a result on a systematic error on their end processing my payments This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681 eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payments reported in XXXX and XXXX to be removed 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 auto loan account under an open end consumer 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 32 days before the payment due date Ally Never Sent the periodic statement along with the disclosure 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 Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit reports XXXX  XXXX XXXX that is outdated it is from 2012. I tried disputing it online with TransUnion and after all the information it said submission failed the same with XXXX. This information is outdated and should be deleted off my credit reports.
Product: Debt collection

Around XX/XX/2020 I checked my credit and discovered that a loan was issued in my name from a company called Payoff/Happy Money in the amount of XXXX. I made attempts to contact this company but never got through to anyone ( Possibly due to Covid 19 ). I then contacted the 3 credit bureau 's to dispute these charges directly. I have not nor have I every taken a loan out or had any business dealings with this company/organization ( PAYOFF/HAPPY MONEY ). Im not sure how my information was stolen but I did NOT authorize an loans in my name or on my behave. I contacted the XXXX XXXX police department and filed a formal police report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXXXX Balance : {$0.00} XXXX, XXXX, T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an update to my address in your records. I need my address to be updated to : XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX I kindly ask that you remove all other addresses associated with my account, as they do not belong to me. 
Furthermore, I am filing a complaint regarding the failure of credit bureaus to update my address despite repeated requests. This recurring issue has caused inconvenience and potential risks to my credit profile.
Product: Credit reporting or other personal consumer reports

I never authorized the opening of this account nor did I authorize this account to be sold nor did I receive a 1099-C for charged-off account from XXXX XXXX XXXX XXXX nor SECURITY CREDIT SERVICE