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

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : XXXX  Experian and XXXX. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : Experian and XXXX. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian and XXXX. I have no financial obligation with your company please delete this information from all credit reports like XXXX has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian, XXXX, XXXX XXXX I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and Experian I have no financial obligation with your company please delete this information from all credit reports like Equifax has done. 


5. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX and Experian. I have no financial obligation with your company please delete this information from all credit reports. 


5. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian I have no financial obligation with your company please delete this information from all credit reports like XXXX  and XXXX have done, for thsi account is and never has been mine
Product: Debt collection

I would like to re-open the complaint XXXX for it has not been properly resolved. I have asked XXXX XXXX  to verify this debt with all of the following proper debt validation : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service They have failed to provide me with all of the above documentation. XXXX XXXX has responded to this complaint stating that the account was charged off, and sold to XXXX XXXX. I have also requested XXXX XXXX to provide me with the above debt validation, they were unable to, and as a result ceased all collections on this account and removed it from my credit file ( see the attached response letter from XXXX XXXX ) because the account is not verifiable. Being that this account is no longer owned by XXXX XXXX, and they're unable to properly verify the debt, then they should not illegaly be reporting this account on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX SXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting AgenciesTransUnion Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is theresult of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Money transfer, virtual currency, or money service

As friend tried sending me {$400.00} through his bank ( XXXX XXXX ) to my bank ( XXXX ) via clearXchange ( soon to be XXXX ). I tried claiming the money on XXXX XXXX, 2017. I was shown on the XXXX  online site that the money would be transferred. As of XX/XX/XXXX, no money has been transferred to my account.
I called XXXX on XX/XX/XXXX who said they did n't know anything about the transaction. No record of it whatsoever, and to contact the sending bank.
I called clearXchange ( from the information I was given in the email generated by the same company ). The first person also showed no transaction information. I asked for a supervisor who said that the showed that the money had been initiated on the 2nd, but that is all the information they had.
I called my friend who showed me that the money was taken out of his account on the 2nd. Where did the money go? Nobody can say. Apparently there is n't logs of anything beyond " the transaction began ''.
Apparently clearXchange was started/owned by XXXX XXXX XXXX, XXXX, and XXXX XXXX, then sold to an " independent company ''. There is no accountability apparently, and no way to even check on the status.
Product: Checking or savings account

I added my son to my checking account in XXXX. They approved for him to be added on. I gave them his social security number and birthday. But now out of the blue, they are asking for his information again and they already have it on file or they would restrict my access or close my account.
Product: Mortgage

Hello, I am currently in a mortgage with Nation Star Mortgage. I have had financial troubles in the past but am able to afford my home payments. I have applied, payed all agreed payments on a trial arrangment. The modification was accepted and I sent back all of my documents. The mortgage company insisted that i made a mistake and did not sign one of the pages. They then, rejected my modification stating that i did not accept the offer, but I did, i explained. They also have made several attempts to act as if they are trying to rectify the situation but have not done so. They are now trying to foreclose on my home and I
Product: Money transfer, virtual currency, or money service

I am a small business owner and I have a merchant account with Clover/Fiserv . This is how my company processed 80 % of our customer payments. 
On XX/XX/XXXX, the risk management department with Fiserv emailed me the following : The Risk Monitoring Team has identified a change in your current processing volume. 
I was asked to fill out a questionnaire which I did.

I then had a 15 minute phone call with someone in the risk department at Fiserv on XX/XX/XXXX and I was able to answer some of her questions and clarify why my processing volume had changed. 
Clover has been holding {$6000.00} that was processed through my merchant account since XX/XX/XXXX. I have asked for an update from Clover and have received no response or communication. My company is struggling without access to funds that belong to me and I have been given no indication as to when my money will be released.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the persistent challenges I have encountered in my attempts to correct late open accounts on my credit report. Despite multiple requests and efforts on my part, the inaccuracies in reporting continue to affect my credit standing negatively. 

I have submitted numerous dispute letters, both online and by mail, and have yet to see any resolution or improvement in the reporting accuracy. I have attached supporting documentation, including payment receipts, statements, and any other relevant materials, to substantiate my claims and assist in the investigation. 

I demand that you conduct a thorough investigation into these matters promptly and take immediate action to rectify the inaccuracies on my credit report by correcting the reporting of the late open accounts. 

Additionally, I request regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed urgently to prevent further harm to my financial standing. 

If my concerns are not addressed satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have checked my XXXX credit report and realize there's an installment from the XXXX XXXX company with an amount of about {$12000.00}. I completely do not either apply for this type of loan in the history or know about the existing company. I assume that my identity has been compromised and I would like to exclude myself out of this installment since this is not mine and it will affect my credit score.
Product: Credit reporting or other personal consumer reports

I bring to your attention the apparent compromise of my credit with your organization. It has come to my notice that, despite being accompanied by an FTC fraud report ( # XXXX ), certain items have not been removed as required. Upon reviewing my records, I observed that these inaccuracies, which are not associated with me, persistently and detrimentally impact my credit file. My commitment to thorough research and persistence compels me to address this matter, and I am determined not to be hindered by any unwillingness to comply with the law. In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), your legal obligation is to expeditiously remove items identified as resulting from identity theft. The disputed items, namely : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX ( XXXX Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$2000.00} XXXX XXXXXX/XX/XXXX. I am attaching the newly required FTC Report with reference # XXXX, along with my Driver 's License, Form XXXX, and Proof of Billing, serving as verification of my sole address. Kindly proceed with the removal of these items from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three hard inquiries on my credit report which are over 12 months. One is for XXXX XXXX from XX/XX/2017, another from XXXX XXXX on XX/XX/2017 and XXXX XXXX on XX/XX/2017.
Product: Vehicle loan or lease

Applied for financing with XXXX XXXX XXXX, XXXX XXXX I XXXX XXXX, XXXX TX. They ran me through multiple lenders, as expected. However, they also ran my girlfriend ( who resides with me ) through multiple lenders, even though none of her information was given. 

She has had multiple hard inquiries on her credit because of this, including through Ally Bank ( Application number XXXX ) and XXXX XXXX XXXX XXXX ( application # not available right now ). 

She was never a part of the purchasing or financing of a vehicle for me, her information was never included in any application. It's obvious someone ran a trace on the address and used all names associated with my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX at around XXXX XXXX I received an alert that my credit had been pulled by XXXX XXXX XXXX. I promptly called TransUnion and after not being able to get help the first time, I called a second time. During the second call, I placed a fraud alert on my profile and asked that the inquriy be removed as it was not authorized by me. The representative gave me the phone number XXXX to call XXXX XXXX. When calling this number it goes to XXXX. The rep for XXXX XXXX l gave me the number to XXXX XXXX XXXX, but when calling this number, they were already closed for the day. When I called XXXX XXXX XXXX back and tried to ask questions, the representative was acting as if I was XXXX in trying to find out what/who XXXX XXXX XXXX is. She just kept saying over and over that " They are a separate company, you will have to contact them. '' It is ridiculous how much of a run around I received due to an unauthorized hard inquiry being placed on my credit by XXXXXXXX XXXX XXXXl at XXXX XXXX XXXX, XXXX TX. I did NOT authorize this company to run my credit report for any reason and I would like this inquiry to be removed from my report by XXXX XXXX XXXX and or TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Based on Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 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. These are the fraudulent items : XXXX XXXX XXXX # A XXXX, NY XXXX ; XXXX  XXXX Balance Owed XXXX {$1400.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX  XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed XXXX {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX XXXX Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I saw this listing from XXXX about a rental home for military personell and upon checking everything looks legit and I even did a background check about that website and people said its pretty legit and how its easier for military members to look rental houses there. I reached out to the one of the listings there and he replied right away he sent me application forms and even his identification that he is legit. So i filled it out sent it back to him he said i need to put down {$1000.00} for security depost and another {$1000.00} to finally secure the house. So i did and he emailed me my lease with his attorneys signature, his signature and mine on it. So weeks before Im trying to move in he said, him and the property manager will hand the keys to me on the day i move in. So the day i move in he was nowhere to be found, doesnt answer the phone and doesnt reply through my texts. And thats when everything fell apart on me.
Product: Debt collection

EOS CCA Reported balance {$1100.00} There is a fraud alert on my account going back over 5 years. I have no business with this company. 
Remove immediately. I have a fraud alert on my account for time time. This debt was removed once and sold to another collection agency. I have never had any business with this company. I have never lived at address they provide. I will pursue legal damages if not removed within 15 days.
Product: Credit reporting or other personal consumer reports

I been paying close attention to my credit since my information is out on the dark web. I noticed 2 collections that belong to XXXX XXXX. I noticed that both reports stated they were closed XXXX 1969. And the reports said both open and closed status. I disputed and asked TransUnion to delete information based on FCRA. After they did there so called investigation. It came back as verified along with a change has been done updated the dates. I again disputed sent copy of the report to them. And again asked to send me the contract and verify account again my request were ignored and it came back verified. Those two collections killed my credit rating this has to stop. I will go forward with compensation for damages and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havesent multiple ketters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Subject : Statutory Limitation on Account # XXXX Dear XXXX XXXX XXXX, I am writing regarding my account number XXXX. Based on my records, this account was opened on XX/XX/XXXX, and the last activity reported was on XX/XX/XXXX. Given that the statute of limitations in my state for collecting debts is OVER 6 YEARS, WHICH IS THE LAW IN TE STATE OF GA, this account is now beyond the legal timeframe for collection.

As such, I request that you cease any further collection efforts related to this account and update my credit report accordingly to reflect that this account is no longer valid for collection.

Please confirm in writing that you have received this request and that you will take the appropriate action regarding my account.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX