23daVinci/CFPB_Complaints huggingface dataset:
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 Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XX/XX/year> under the XXXX account and 1 Hard Inquiry from XXXX XXXX XXXX. These accounts have resulted in fraudulent charge-offs, hard inquiries, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 


These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called 53rd bank to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my XXXX  shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the 53 bank website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.
Product: Mortgage

I attempted to apply for an assumable FHA backed mortgage on XX/XX/2024, calling their loan servicing department. I was then " transferred '' to to the loan assumption department, which was a hold that lasted 20 minutes before I gave up. 

I then called their new loans department on XX/XX/2024 and was told that the seller needed to initiate the process. When the seller and their agent called to initiate the process, they were told the buyer needs to initiate the process. The run around we got caused the seller to take the loan assumption off the table resulting in the deal falling through. Their local office is permanently shuttered, so getting answers in person was impossible.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Debt collection

I had filed a complaint back in XX/XX/2017. A response was received, but Forster & Garbus did not hold up to their deal. I had asked for written documents to the agreement of a {$13000.00} settlement. No communication was made. Months later my account was sent to XXXX Sherrif for collection without my being notified. My wages were garnished again without notification. I had reached out to Forster & Garbus by phone and e-mail demanding documents to support this as well as the agreement, and have  had no follow-up. 

I am looking to settle with {$11000.00} paid over 3 years which is taking into account the garnishment payments.
Product: Debt collection

I have received multiple calls from Cash Central XXXX XXXX XXXX. They accused me of cashing a fraudulent check. I explained that I had never used a check cashing service. Then demanded my ss number to identify me. I said no, I have no idea who you are. He yelled and threatened me. I asked for supervior on the first call and he hung up. I called back and asked for a supervisor and was given to a ringing phone/disconnect. Today another call. I repeated the same truth that it was not me and he raised his voice and threatened me with the police. Totally unacceptable!
Product: Debt collection

On XX/XX/XXXX I noticed that my Checking and Savings Accounts were at a balance of {$0.00}. I called XXXX XXXX XXXXXXXX to learn why and that's when they informed me that there were holds on my accounts due to a " Receivership ''. 

XXXX XXXX XXXXXXXX provided me with a phone number that would connect me to my Receiver ; XXXX XXXX XXXX. I called on XX/XX/XXXX, but no one answered. Nevertheless, I was able to access more information about this arrangement on ( XXXX ). 

I learned that this Receivership was initiated by XXXX XXXX XXXX, a collections company. 

XXXX XXXX XXXX collected my alleged debt from Synchrony Bank/Credit Care . 

I have NEVER been a client of Synchrony Bank or Credit Care. It was stated that this account was opened in XXXX of XXXX, I did NOT have any plans for medical treatment or any cosmetic procedures during this time. I did NOT receive any medical treatment or any cosmetic procedures during this time. 

**My credit report does not even note a Synchrony or Credit Care account** I suspect fraud in this case and have reported this issue to Synchrony Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXXXXXX XXXX XXXX ( XX/XX/XXXX ). 

A total of {$2200.00} have been placed on hold from my accounts and I need it to be released immediately.
Product: Credit card or prepaid card

Someone stole my card information and withdrew XXXX from my account. I never lost the card and its been with me even now. After my claims were denied I even went to report the incident to the police department. Filed a police report and forwarded information to bank. Now they tell me they couldnt get surveillance video of atm. And that if it happened at another banks atm its not their problem. I feel like they are doing the most to not help me when I need help the most. Im already unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account US SM BUS ADMIN ODA, has violated my rights. 
XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The XXXX XXXX Pandemic destroyed me personally as well as my business. I never requested any free money through the PPP program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either PPP funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX  XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have made inquiries without my authorization. This has negatively affected my score.
Product: Debt collection

XXXX XXXX purposefully held my account longer than 120 days before it was sold off. They kept my account and reported negatively for THREE YEARS before they charged it off. 

Generally its supposed to be 120 days. By delaying the charge off, they unnecessarily caused more damage to my credit than was necessary. On some level, it feels like it was personal. 

To wait that long, knowing I was fresh out of school. Knowing I was looking for work. Knowing I had difficulties and to pile on with a charge off and then sell the debt 3 years later to extend the damage they, and their business agent Portfolio Recovery Associates could do to my credit history. 

I am never, ever, going to pay 3 times to two different entities regarding the same transaction. 

There is no way this is okay. It feels like a Pre Obama era attempt to get low income minorities to falter on their debts. A consistent issues with XXXX XXXX and other banking institutions. 

I am not going to pay XXXX XXXX for that card again. I already have another card. With them. The payment history is immaculate. 

Portfolio Recovery Associates should inspect each debt they acquire. Before committing fraudulent, or at least malicious actions, to ruin my credit and ruin my chance to get the most out of my law degree. 

They should be ashamed of themselves for such sneaky and underhanded collection tactics.
Product: Credit card or prepaid card

To Whom It May Concern : An account was open with Affirm Inc with an open date of XXXX that I didnt open. This company excepted information online without doing a proper identity background test by requesting proof of identity such as passport or drivers license to verify who they were actually dealing with and thus allowed a thief to open an account using some of my credentials. As a side note when trying to contact Affirm Inc, I was not able to talk to an XXXX XXXX. They are using an out-source call service with no direct connection to the parent company. 
I have the same complain with XXXX XXXX XXXX  XXXX who allowed a thief to open an account in my name without verifying their credentials. They in turn sold the debt to XXXX XXXX XXXX who I contacted and explain that this debt wasnt mine and that I was a victim of identity theft. However, they have refused to remove it from my credit report nor have they even attempted to investigate my claims of fraud and just ignored me. They also are using out-sourcing call center to shield the parent company from complaints. 
My complaint with XXXX XXXX. I contacted them and after they did their own investigation it was determined that I wasnt responsible for the debt. I would just like for the three credit reporting agencies to completely remove and existence of this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX continue to report a Bankruptcy they said XXXX verified. 
XXXX sent me a letter stating they deleted the error. They did not verify!! No method of verification. FCRA consumer rights violations, they must delete immediately. They ignored the letter from XXXX! Vlear violation!!! Please help!!
Product: Debt collection

XXXX XXXX, ENCORE CAPITAL GROUP ARE INCOLLUSION WITH XXXX XXXX AND ARE BREAKING THE FINANCIAL CREDIT APARATUS FOR CONSUMERS AS WELL AS XXXX XXXX XXXX AND FCRA XXXX XXXX SEC XXXX XXXX. both illegal collections are still reporting on transunion llc after sol. expired XXXX  years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting

I have disputed this issue numerous times about XXXX account from 2009 and that it states charge off and does not show the amount charged off and creditors think this is a repossession of a vehicle and its not. I called XXXX XXXX XXXX and they said that it is the credit bureau they use same code name for repossessions even though its not. I think this needs to be corrected because I have been denied credit numerous times because dealerships think it is a repo on my credit report. This is unfair practice of credit reporting and will result in legal action if not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts below has violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

I demand both accounts to be removed from my credit profile immediately. Its against the law to disclose my information to a 3rd party consumer without my consent and furthermore there was never a 30 day investigation done to determine the accuracy and proper procedure. 

Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX
Product: Credit reporting

I disputed with XXXX and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with Experian but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. This account has VIOLATED MY RIGHTS!!! ( ( XXXX XXXX  XXXX XXXX ) ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature, proof they own debt, payment plan/history and creditors information or I expect this account to be deleted within 30 days!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. These creditors, XXXX XXXX XXXX, XXXX XXXX XXXX, Midland Credit Management, has violated my rights under the 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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: Money transfer, virtual currency, or money service

XX/XX/XXXX a mobile payment transfer via XXXX was sent to whom I understood to be a family member only to realize the numbers were transposed and it went to an unauthorized individual and not the intended family member. XXXX XXXX XXXX. Upon near immediate discovery, I attempted, unsuccessfully, to cancel the transfer. I reached out to Truist via phone and they advised me to wait until it posted. As per Truist I did so and called again only to be told its too late to rectify. NOTE : this was the advice in the first place! They then directed me to claims/fraud department. I filed a complaint XXXX and was again advised to wait. As I waited was advised to contact the number and kindly request the money be returned. I don't understand how someone can accept such a high denomination under the financial institution 's watch and not have routes to take for errors of any kind especially considering it is the bank 's responsibility to provide commitment, protection, direction and at the very least provide proper communication to long time faithful costumers. Of course as instructed, contacted the number multiple XXXX, XX/XX/XXXX and XX/XX/XXXX with both texts and voicemails. At what point does this become harassment because now this complete stranger has my cell phone number and my banking info, my name and essentially has stolen {$1500.00} from me! Its becoming a safety issue at this point! After a month has passed I called for a status update and was told it has been resolved. Now this was news to me as I never received any notification via any of the multiple contact avenues you have for me. As far as I'm concerned its not resolved as I'm still responsible for these missing funds. Calling several days in succession only to hold for exponentially lengthy periods of time and never receive a return phone call with more poorly advised instructions. Attempting to actually resolve this, I filed complaint XXXX on XX/XX/XXXX with XXXX and XXXX XXXX with NCCOB on XX/XX/XXXX against Truist. Both claiming as operating establishments of business were both unable to retrieve my hard earned funds. AGAIN NOTE : I was advised as a simple consumer to " ask for it back, '' which is exactly what I've been doing with XXXX and Truist. I am equally unsuccessful which doesn't make sense considering the bank controls incoming/outgoing funds and can successfully retrieve any and all funds for overdrafts or other fees seen fit by the bank. The bank is also insured. I am not! I need to know exactly what steps were taken by the banks to inititate the return of my funds.. Apparently the thief was contacted by the bank if they claim they can't retrieve it. Is the individual refusing? The bank has that person 's info, I don't. I only have an incorrect cell phone number. They couldn't have been expecting funds from a complete stranger. How is this uncorrectable? Are their top secret banking communications I'm unaware of were only strangers can receive and keep funds without the ability to be contacted? And the bank who wants your business and wants to provide secure convenience turns the other cheek?