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

These TransUnion hard inquiries listed below on my credit report are fraudulent, and would like them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXS Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/2021, XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$230.00} 06 XXXX  In accordance with Fair Credit Reporting act. The account above listed violated my federally protected consumer rights. 15 USC 1681 Not only is this account not mine it's listed on dates I never been able to operate.

15 U.S.C 1681c. ( A ) ( 5 )
Product: Payday loan, title loan, or personal loan

A fraud loan was taken in my name
Product: Debt collection

I was not aware of this collection which I recently noticed on my credit report. I was never contacted regarding this collection by Quality Asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. 

QUALITY ASSET RECOVERY XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$440.00} {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is ignoring my numerous request to investigate, verify and remove fraudulent inquiries from my consumer credit report/file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the GM Financial account to be removed from my account.
Product: Debt collection

I got two pieces of mail where they were trying to collect debt that I owed. I called the number on the letter and told them that I applied for that loan and that it was a result of someone using my identity. They disregarded my calls and said that I had to pay them. I am not paying something that I do not owe because it was not me who applied for those loans.
Product: Checking or savings account

On or about XX/XX/2018, there were two unauthorized transactions made with my ATM. The first one around XXXX XXXX., in the amount of {$170.00}. The second transaction was done at around XXXX XXXX. in the amount of {$60.00} and an additional charge of {$2.00} for using a non-Chase Bank ATM. When both of these transactions were made I was asleep at home, ( XXXX, CA ). These transaction were made in the XXXX XXXX  XXXX XXXX, CA and XXXX XXXX, CA which is about 90 miles away from my home in XXXX, CA. 

On XX/XX/2018, I checked my account on my cell phone and noticed there was money missing on my account. I immediately contacted Chase and brought the situation to their attention. The representative issue a reimbursement/credit of {$170.00} and {$60.00} to my account. The {$2.00} for using a non-Chase ATM was not reimbursed. I was under the impression that everything was taken care of and I had nothing to worry about. The bank canceled my ATM card due to suspicious account activity and sent me a new ATM card without me requesting a new ATM card. 

However, on XX/XX/2018, Chase Bank canceled the reimbursement/credit of {$170.00} and {$60.00} made by to my account. I then contacted Chase and I was told that there was nothing the bank can do about this situation, because the withdrawals were made using my PIN number. I contacted Chase bank a third time and spoke with a " supervisor '' and was told the same thing, that they can not reimburse/credit my account. I asked the " supervisor '' if it there was a possibility of obtaining video footage when these transactions were made. I was told that they could not do that.
Product: Mortgage

I applied for a mortgage with Rocket Mortgage ( Loan ID # XXXX ) in XX/XX/XXXX to purchase a property. The set closing date was XX/XX/XXXX, however, the appraisal report from them came at XXXX PM XX/XX/XXXX. I could not close that property on time and lost the earnest money. They emailed me on XX/XX/XXXX informing me about the problem with the appraisal being delayed, and promised to refund me the appraisal fee if they can not close my loan on time ( see attached file ). 

Now it has been 6 months, and I have not received any refund from them. Please help me with this.
Product: Debt collection

I have paid what my insurance sent in explanation of benefits. the facility itself states I had no further debt. Yet this company has twice tried to get money out of me for XXXX XXXX I had. Now they have made their way to my credit report and are hurting my credit. I am working with my insurance company to dispute these false charges. Ridiculous that I have to waste my time proving I have paid all the medical bills I was given to some company when the hospital itself does not reflect any balance owed and claims to not have any association with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent letters to transunion to dispute these fraudulent unauthorized inquires on my report. and its been more that XXXX days and transunion has not responded. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete inquires below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORT FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit card

Sometime at the end of XXXX my Identity was stolen. My cards at Capital One had been compromised and several times had to have new cards issued. In late XXXX. I told capital One to close my accounts and not issue any new cards even to me. I had XXXX cards one had a {$300.00} limit the other {$1000.00} limit. I get a notification that both cards are now double the limits and someone had made payments long enough to use the credit available then they were cancelling the payments. At the same time I notice both cards double the limits they tell me as of XXXX XXXX someone is still using my credit cards, after I requested the account closed and after I told them I wanted NO new cards issued. Last phone I had in late XXXX. I asked them how is someone still using my account when I requested it closed and I had no cards issued to me. I was told the account was still open on my request. That I had never asked for.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, XXXX, and Equifax for their failure to address and remove fraudulent accounts from my credit reports. As a victim of identity theft, I have discovered several accounts on my credit reports that I did not open. Despite my efforts to dispute these accounts directly with the credit bureaus, they remain on my reports, causing significant harm to my credit score and financial standing. 

The fraudulent accounts are as follows : **Closed Account : ** - XXXX XXXX XXXX ) **Collections : ** - XXXX XXXX  ( XXXX ) All XXXX - XXXX XXXX XXXX  ( XXXX ) XXXX & Equifax - XXXX XXXX XXXX XXXX XXXX ) XXXX & Equifax - XXXX ( XXXX ) XXXX & XXXX - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX XXXX  XXXX  ( XXXX ) All XXXX - XXXX XXXX XXXX  XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX XXXX ( XXXX ) XXXX & Equifax - XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX & Equifax - XXXX XXXX XXXX XXXX ( XXXX ) XXXX & Equifax These credit bureaus are in violation of several federal laws, including : 1. **15 U.S.C. 1692k - Defamation of Character** 2. **Negligent Enhancement of Identity Fraud** 3. **Violation of the Fair Credit Reporting Act** 4. **15 U.S.C. 1681o - Civil Liability for Negligent Non-Compliance** XXXX. XXXX U.S.C. 1681n ( b ) - Civil Liability for Willful Non-Compliance** 6. **15 USC 1692 ( g ) - Failure to Comply with Debt Validation Requirements** 7. **15 U.S.C. 1681b - Permissible Purposes of Consumer Reports** 8. **15 U.S.C. 1681i ( a ) ( 7 ) - Method of Verification** 9. **15 USC 1681a ( 4 ) - Right to Privacy** 10. **15 U.S. Code 1681c - Requirements Relating to Information Contained in Consumer Reports** Additionally, the collection agency involved has not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they placed a collection on my consumer report. I have also not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

I am requesting the CFPB 's intervention to ensure that these credit bureaus comply with federal law by investigating and removing these fraudulent accounts from my credit reports immediately. Given the urgency of this matter and the ongoing damage to my credit, I demand that these accounts be blocked and removed within 4 days of receiving this complaint. 

Please find attached my identity theft report.,
Product: Checking or savings account

On XX/XX/XXXX, I opened an account online with Citibank. I completed the opening deposit during the process in the amount of XXXX from my Savings account at another institution. On XX/XX/XXXX, I received an email that my account is being closed. My opening deposit would be returned in 30-60 days by mail. I contacted the fraud department of Citibank and they informed me that there is a hold on my account and they have initiated account closing procedures and I would received the opening deposit back within 30-60 days. I asked them how can I get it back sooner, I was told I could visit a branch and they can call in and have the block removed and could refund my opening deposit. On XX/XX/XXXX, I met with a personal banker and she called the fraud dept. and they told her that my deposit would be refunded within 30-60 days by mail. I asked her to have them reconsider because I do not want a XXXX check to be mailed and I should not have to wait 30-60 days for my funds to be returned. I did not get anywhere with them. I am contacting the CFPB to file a complaint because I should not have to wait 30-60 days for my funds to be returned.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am buying a house. I am a loyal customer of XXXX financial services for many years since XXXX. I have leased XXXX  each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XXXX sick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. XXXX  of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone from XXXX XXXX over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which 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  Balance : {$12000.00} 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: Checking or savings account

Subject : Formal Complaint Regarding Improper Fraud Claim Review and Lack of Documentation | Dear Navy Federal Representative, I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the improper review of a fraudulent account opened in my name. I believe that Navy Federal has violated several sections of federal law, particularly 12 CFR Part 1005 ( Regulation E ) 1005.6. Also according to the Gramm Leach Bailey Act ( GLBA ), financial institutions are required to regulates the collection and disclosure of private, personal financial information, requiring financial institutions to provide a privacy notice to all customers, prior to entering an agreement to do business, and needs to detail : a. the personal information that will be collected. with whom and where personal information will be shared. how personal information will be used. how personal information will be protected being able to opt out of sharing certain personal information with unaffiliated parties. However, in my case, Navy Federal has failed to provide proper documentation to substantiate their claim that the debt associated with the fraudulent account is indeed my responsibility.
Product: Mortgage

I was told when I purchased a home in XXXX that I was a home owner, I lost my job in XXXX and I fell behind on payments I asked to do a short sell and was told I could n't because the property is not in my name. I ca n't even receive assistance from companies to catch the payments up.
Product: Credit reporting or other personal consumer reports

IMPROPER COLLECTIONS ON CREDIT REPORT PAYMENT HISTORY LISTED ON CREDIT REPORT UNAUTHORIZED THERE ARE SEVERAL ACCOUNTS OVER XXXX XXXX XXXX SOLD TO COLLECTION AGENCIES. 
INACCURATE DATES OF ACCOUNT OPEN DATES : XXXX * XXXX XXXX XXXXXXXX STATES DATE OPENED XX/XX/XXXX WHICH IS INACCURATE. 
XXXX, XXXX STATED I HAVE A CHARGED OFF AMOUNT OF {$450.00}. THIS IS INACCURATE. I WOULD LIKE TO SEE BAN STATEMENTS THAT I HAVE PREVIOUSLY REQUESTED ALONG WITH SIGNED DOCUMENTS OF WITHDRAWLS AND OVERAGES ON THE ACCOUNT. I NEVER RECEIVED THIS INFORMATION AFTER DISPUTING THIS ON THE XXXX APPROX. 2 YEARS AGO. I HAVE ALSO TRIED GOING TO THE BRANCH AND FOUND THAT IT HAS BEEN CLOSED. I NEED SIGNED DOCUMENTS PLEASE BECAUSE IDENTIFICATION IS NOT ALWAYS REQUIRED INSIDE OF YOUR ESTABLISHMENTS. ALSO MY XXXX REPORT STATES THAT THERE IS NO DATA AVAILABLE FOR XX/XX/XXXX UNDER MY PAYMENT HISTORY. PROVIDING ALL OTHER MONTHS BEFORE AND AFTER XX/XX/XXXX IS AVAILABLE ABOUT THE ALLEDGED DEBT I OWE. 
XXXX XXXX XXXX- CREDIT CARD ACCOUNT REPORTS MY CREDIT LIMIT WAS {$230.00} WITH A BALANCE OF $ XXXX IS INACCURATE. MY CREDIT LIMIT REPORTED BY XXXX XXXX IS INACCURATE AND SHOULD BE REMOVED FROM MY CREDIT REPORT. FIRST PREMIERE REPORTS ON MY XXXX REPORT THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER MY PAYMENT HISTORY REFLECTS PAYMENTS RECEIVED IN XXXX XXXX AS WELL AS XX/XX/XXXX THIS INFORMATION IS NOT ACCURATE AND GIVES CONFUSING INFORMATION ON THE PAYMENT HISTORY AND IS INACCURATE. THIS INACCURATE REPORT SHOULD BE REMOVED FROM MY REPORT AS WELL. 
XXXX XXXX XXXX THAT THE ACCOUNT HAS BEEN CLOSED AT CREDIT XXXX 'S REQUEST AND THIS IS INACCURATE. I CURRENTLY HAVE A OPEN ACCOUNT WITH A {$200.00} CREDIT LIMIT AVAILABLE AS OF XXXX XXXX PER XXXX WEBSITE. THIS INFORMATION ABOUT ACCOUNT BEING CLOSED REFLECTES NEGATIVELY ON ME AND SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
*
Product: Checking or savings account

Bank of America recently put an unlawful fraud alert 10 day hold on a XXXX  deposit that I was going to use to pay my credit card with them. During the time the XXXX was on hold another payment came due, the administered another late charge of XXXX  to my account. Ultimately, after I filed two complaints with the CFPB and BOA Executive Office told abject lies to me such as the paper check is usually fraud 99 % of the time I can get a hold released but not this one weve attempted to check with the XXXX XXXX XXXX XXXX and can not confirm this draft all of which were completely inaccurate, they released the hold yesterday afternoon. Today I received two collections calls from BOA Credit card and XXXX XXXX refused to waive even one late fee to help me get it caught up. I offered to pay the entire balance due if late charges could be waived. Considering the damage done to my life during XXXX and doing without food due to their ridiculous fraud alerts and false accusations of fraud I feel thats the least they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue before and you know that you are breaking the law. Any transaction or experience between the consumer and the person making the report Shall NOT be reported on consumer reports. 

There are four attachments to this complaint. Please take the time to open them up and read them so that we XXXX resolve this issue. There are congressional findings and definitions giving proof that the information about XXXX XXXX shall not be reported on my consumer report. This is very embarrassing to even go through this process, my character is being defamed and my privacy is being seen by anyone who tries to access my credit report. Please have this issue resolved within 4 days. I have already wasted time trying to have this issue resolved and I can not get that time back. 

I will be awaiting your response in the next few days. I am trying to purchase a home and this is slowing me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and have notified the credit bureau of this by placing a fraud alert on my reports as well as sending in an ID theft report. After going over my reports I did notice some fraudulent information I was able to successfully dispute and remove most of this information except for an account by a company called XXXX that Experian refuses to remove I have notified them via phone call and letters that this is a FRAUDULENT account however they refuse to remove it or give me the information used to verify the account. At this point i have now Disputed this account 3 times and it keeps coming back as verified but when i call Experian they can not tell me what steps they took to verify or investigate this fraudulent account. I am hoping the CFPB can help me clear this situation up as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

It's past 45 days and you didn't provide what I asked and I'm legally entitled to. Attached is a copy of my NOTICE to file suit ( you will be served yours within the next 7 days ) and you have no more time to fix this issue outside of court. Legally you must remove the account until a court ordered reporting the corrected status is given. From this point on my Attorney will be in contact and each day after this complaint my account reports is a remedy of {$500.00} for you and XXXX XXXX  per violation for XXXX. Please read each document throughly. You guys don't answer my calls and leave my emails on read.
Product: Credit reporting or other personal consumer reports

It can to my attention that my information was fraudulently used as a co-sign for an auto loan with XXXX. I did not co-sign, I did not give my authorization for this co-sign. I requested the documentation from the company multiple times but have gotten the run around.