23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing this CFPB complaint to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block certain information on my consumer TransUnion credit report that has resulted from identity theft and fraud. This fraudulent activity includes an account labeled " OAG CHILD SUPPORT ENFORCEMENT. '' This account has led to unauthorized fraudulent accounts on my credit report. I have attached a list of these fraudulent accounts, along with a copy of my consumer FICO TransUnion credit report, which clearly shows the fraudulent items in question. 

I do not recognize this account, and I can confirm that they were neither opened nor initiated by me. All the accounts listed are a direct result of identity theft. 

Additionally, I have attached a copy of my FTC Identity Theft Complaint ( # XXXX ) as further proof of the fraudulent nature of these accounts. 

I request that you take action to block this information within four business days of receiving this complaint. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new credit card at XXXX XXXX XXXX and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the XXXX XXXX Inquiry. 

XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

XX/XX/XXXX XXXX..I called American first finance to confirm the amount owed for furniture/oven ... .then I asked my concerning question..since you are automatically drafting my payment each month ..will my payments be equivalent to the amount owed..and the coustomer service rep..answered yes ...

Now I pulled my report and it states that I owe..what I started out with for both merchandise ... 1st total was $ XXXX..paid out {$840.00} 2nd total was $ XXXX..paid out XXXX 
Now it's back to the original amounts I financed ... this is robbery ... that's why I asked the rep would it be equivalent to the amount owed..I never missed a payment..please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an inquiry was placed on my credit report that I did not authorize and it is fraudulent, it is in fact hurting my credit. I have tried getting them removed but I have had no success. The fact that it is supposed to stay on my credit report is a violation of my right under the FCRA. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXXXXXX, I may presumethat no proof of the alleged debt, not therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

This is my SECOND FORMAL DISPUTE regarding inaccurate and incorrect personal information appearing on my credit file. My legal name is XXXX XXXX, my current and correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXX XXXX. The continued misreporting of my personal information is a direct violation of the Fair Credit Reporting Act 15 U.S.C. 1681c, which mandates that credit reporting agencies maintain accurate and up-to-date personal information. Since I have previously disputed this issue, your failure to correct these errors constitutes willful non-compliance under FCRA 1681n, making you liable for damages due to your continued negligence. Additionally, under FCRA 1681i, credit reporting agencies are legally required to conduct a full and proper reinvestigation to ensure that all reported information is correct. Your refusal to take action is a clear breach of federal law and a violation of the maximum possible accuracy standard required under the FCRA. I am demanding the IMMEDIATE CORRECTION of my personal information on my credit file. If you fail to resolve this matter without delay, I will escalate this issue through legal and regulatory channels to ensure compliance with the law. Provide written confirmation of the correction of my personal information immediately. This is your final opportunity to comply before I take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX XXXX XXXX - XX/XX/XXXX XXXX via Syncbpaypal - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Product: Checking or savings account

XXXX XX/XX/XXXX I made an withdrawal from my savings account in the amount of {$1000.00}. On XX/XX/XXXX I attempted to withdraw {$1000.00} available funds from my same account, on several attempts of attempting to withdraw the funds, they were not made available, unknown reasons, but not NSF. On that same day, I called NFCU customer and spoke with supervisor XXXX, which she did not identify a reason for the savings account error. After XXXX verified the funds, she manually lifted the savings account error. On XX/XX/XXXX I was made aware that my account was overdrawn. I do not understand how it is possible for my savings account to become overdrawn, NFCU has not cooperated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE : ( 1 ) Online attempts to contact the CFPB Ombudsman for what follows have been automatically rejected. 

( 2 ) PLEASE FORWARD AND NOTICE THIS COMPLAINT TO THE THREE MAJOR CREDIT BUREAUS RE : The FAIR CREDIT REPORTING ACT XXXX XXXX XXXX [ last four digits of Social Security card are XXXX ], ( " XXXX '' ) is-or-has-been an " authorized user '' on some of the individual credit card accounts of her father, XXXX XXXX XXXX ( herein : " XXXX '' ). 

XXXX recently came into a cash inheritance from her late Mother and is planning to purchase a new residential condominium for herself and her three minor children. 

In the course of XXXX by herself seeking and/or arranging financing for the above purchase, it turns out that credit card accounts and personal indebtedness of her father, XXXX XXXX XXXX on which XXXX is listed ONLY as an " authorized user '' ~ is in fact showing up in total on XXXX XXXX credit bureau reports TO HER DETRIMENT. 

Neither XXXX nor XXXX are attorneys. However, XXXX is experienced in law and legal research and finds considerable case law and the FAIR CREDIT REPORTING ACT wherein it is specifically set forth that " authorized users '' are NOT financially liable for credit debt of the primary cardholder ~ and indeed should not be listed as a " creditor '' AT ALL on card accounts where they are named only as an " authorized user ''. XXXX 's attempts to simply contact the appropriate source within the creditor organizations ( e. g., banks ) has been frustrating at best and without resolution. 

It is XXXX and XXXX 's belief that ALL Credit Reporting Agencies have a responsibility to assure that " authorized users '' do not appear named as debtors on the card holder 's credit bureau reports. GLOBALLY, THIS IS NOT A NEW ISSUE NOR PROBLEM. 

Moreover, XXXX is at least minimally outraged that HIS credit history is being accessed and commingled as if his daughter is liable on ANY of XXXX 's card accounts and forwarded to and/or accessed by potential lenders that XXXX may wish to approach or utilize for her own individual reasons. 

XXXX is specifically familiar with the Fair Credit Reporting Act and has informed XXXX of relevant portions of it. The issue here may not be " new '' to CFPB. 

In any event, your assistance is asked in streamlining and issuing a formal complaint by the CFPB vis-a-vis and to ALL the credit bureaus -- as well as other individual creditors or entities ( such as banks ) as CFPB XXXX suggest that sets forth that XXXX XXXX XXXX in particular ~ and all other persons in general ~ as being " authorized user '' is NOT subject to credit reporting on such credit accounts that are " owned '' by others. In this specific instance, the above would include -- but not be limited to -- those credit accounts of-and-issued to XXXX XXXX XXXX. See : Case Law attached. 

Thank you for your attention and assistance to my inquiry here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXXXXXX XXXX XXXX XXXX XXXX. They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that i don '' t have and I was also told because it is over 60 days that I am responsible. I provided with copies of the police reports. Instead, they kept selling them to different buyers. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXX XXXX is unaware of the " Cares Act ''.
Product: Debt collection

I have no knowledge of this and I never authorized any debt or credit with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion I was victim of there Inquiry Issue and customer service would not take care of it. 

XXXXXXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX  XXXX   XXXX XXXX  XXXX
Product: Checking or savings account

My laptop and business checks were stolen XX/XX/XXXX. Contacted BofA. They were very helpful in opening new accounts and transferring funds immediately. However, they told me that they could not close the compromised accounts until they had zero activity for six months. I have attempted numerous times since XXXX of XXXX  to have the accounts closed, and was told to submit the request in writing. I submitted that written request for final closure of the accounts on XX/XX/XXXX. BofA 's failure to close these accounts has resulted in very large and ongoing analysis fees in accounts that should be closed. Additionally, on XX/XX/XXXX, a fraudulent check was presented to one of the new accounts. The caused me to open yet another account. After several attempts to close the fraud-compromised account, I finally reached a human on the telephone and was assured this account was frozen ( not closed ). Since that time, three checks have been accepted and then returned. 

This is not acceptable. It adds tremendous bookkeeping costs to my business, and keeps my accounts vulnerable to additional fraud. Please close these accounts immediately.
Product: Credit card

In XX/XX/XXXX I purchased hearing aids from XXXX ( for {$2100.00} ). At that time they set me up with a payment account with Synchrony bank. They were adamant that as long as I made the minimum payment -- by automatic deduction from my bank account -- I would never be charged any interest, and all of my payment would go to principal. 
I didn't get a contract from Synchrony but I see that they were taking the prescribed {$44.00} out of my account. By XX/XX/XXXX I tried contact Synchrony to pay off the balance. I could not get hold of them and XXXX was not able to help. I tried emailing Synchrony to ask them to ask for my contract and never been able to get a reply but they kept deducting form my account. Finally, through my bank ( where the autodeduct was begining taken ) I was able to get a phone number and was told that despite paying on time and making payments that now exceed the principle, they changed and have been charging me interest. Since my agreement was with XXXX I don't have a contract. 

I do not owe any interest -- they claim I owe > {$1300.00} interest )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act AMERICAN CREDIT ACCEPT with account number XXXX has violated my rights : 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.

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 1681 section 602 A. States I have the right to privacy.

The creditor hasn't mailed me anything to the address that's on my driver license that will be attached. Just looking over my credit report and I have several different address that don't belong on my report.
Product: Checking or savings account

Almost 3 months ago I received an ACH deposit in my church ministry account trust on behalf of someone that the trust works with. Three weeks ago bbvA free freezes my account and tells me that I have to the account. This trust account is a private 508c1a that is a trust account that there legal department approved to form before it was opened. They froze it and claimed fraud. Then I was informed that they would take the freeze off if I brought in power of attorney papers. So Monday XX/XX/XXXX, I took in power of attorney papers. Then they asked me a lot of irrelevant questions regarding my personal affairs. Then the next thing was for a his social security number and dl info did that. Then yesterday was for a copy of it. Meanwhile I can not access my funds nor transact on my account. Please help me. This is so wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has reporting a collection on my credit report for XXXX. The account appears to be from XXXX   XXXX XXXX  in which XXXX XXXX and Experian has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless XXXX XXXX has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want Experian to validate this account. How where they able to list a collection from XXXX XXXX  but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can Experian or XXXX XXXX. More so I never signed a contract with XXXX XXXX  for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX   They no longer have control over this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the summer, XXXX was involved in and admitted to errors on credit scores that directly impacted me. I filed claims and spoke directly with them to have any negative entries removed from my report. They complied and removed the entries. I wish to file claims for the deletions removed from my accounts and have the information regarding each deletion with a confirmation number. The deletion confirmation numbers are : # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX I am requesting the other credit reporting companies to follow suit and remove all negative postings on my credit report as XXXX has. Under CFPB I am entitled to {$1000.00} per entry removed and looking for CFPB to have them follow the laws in place to protect consumers and confirm that negative entries were removed from all 3 credit reporting companies : XXXX, XXXX and Experian. 

Also my name is listed as XXXX XXXX. My name is XXXX XXXX. I resumed my maiden name in XXXX and have attached my name change document. I have no idea why anything would have that name in XXXX. I NEVER used the name XXXX XXXX. As the attached document states I used XXXX XXXX ONLY when I was married. My name should appear only as XXXX XXXX. I also do NOT want my address or phone number listed on ANY report or record.
Product: Credit card or prepaid card

Bank of America deactivated my card in XXXX or XXXX of XXXX, because of a data breach, and issued me a new account number. On XX/XX/XXXX they allowed XXXX XXXX to charge my deactivated account {$120.00} for an automatic renewal of a membership. It was posted on XX/XX/XXXX. I DO NOT NOW, NOR HAVE I EVER HAD A MEMBERSHIP TO XXXX XXXX. The account is my brother-in-laws account that we have used on several occasions. They allow up to 5 people to use the account. The charge was made to the de-activated card and posted on the bill for my current account. After a lengthy time on the phone, and speaking to 4 different individuals, they finally conceded that I don't have a recurring payment. They did insist that it is their policy to allow the charges in a case like this, and that anyone that uses the XXXX account can be charged. After a supposed investigation, by XXXX XXXX, I was told again that it is their policy to allow charges like this. I don't accept that answer, which was delivered to me by phone, by XXXX XXXX. I may have been able to come to terms with it had the charges been made to my current account. I would like to know that I have some protection from this kind of thing ever happening again. XXXX was wonderful about straightening this out on their end. I will be closing my account, but I fear anyone can make a charge to that account, and that there is nothing I can do about it.
Product: Credit reporting

I am unable to access my annual free credit report online, place a security freeze online, dispute an item online with TransUnion. Every time I try to access any of these services which should be free ( except adding the security freeze ) online I get an error. I have contacted Transunion customer service numerous times and they not helped with determining what the issue is with my access to online services. They either do not have or refuse to provide me with any technical support regarding their website so I can access my information.
Product: Debt collection

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.