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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 , Experian, And Equifax LLC 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at CXXXX 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 XXXXXX/XX/XXXX under the account number ( XXXX ), an auto loan account opened aXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX, XXXX XXXX XXXX and a collections account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of ( {$2600.00}, {$4100.00}, {$780.00} ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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, or hard inquiries 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 accounts, collections, and hard inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep running credit reports ( inquiries ) on my credit report which i did not authorize XXXX i called them to file a complaint but they kept transferring me to different people and the last one did not answer by making all these inquiries they are ruining my credit score
Product: Credit card

XXXX XXXX XXXX Credit check was ran. Hard inquiry now on my credit report without my permission. XX/XX/XXXX XXXX XXXX XXXX XXXX My credit was checked and ran. Hard inquiry now on my credit report without my permission. XX/XX/XXXX XXXX  XXXX, My credit was checked from this company without my permission on XX/XX/XXXX
Product: Credit card

i have 1 30 day late payment and 2 60 days late payments on my credit report. i still have an active and open account with the company Target and be a customer since XX/XX/2017.
Product: Debt collection

On XX/XX/2023, I sent AMSHER COLLECTION SERVICES the following correspondence via certified mail/return receipt after they reported on XXXX. I am not aware of this alleged debt and AMSHER COLLECTION SERVICES needs to advise immediately. 
RE : FRAUD/AGGRAVATED IDENTITY THEFT - AMSHER COLLECTION SERVICES is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( AMSHER COLLECTION SERVICES ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( AMSHER COLLECTION SERVICES ) have obtained by aggravated identity theft in accordance to 18 U.S.C. 1028A. I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( AMSHER COLLECTION SERVICES ) is attempting to collect a debt from I, the consumer. This makes you ( AMSHER COLLECTION SERVICES ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by AMSHER COLLECTION SERVICES into the Federal Trade Commission for XXXX XXXX XXXX and theft. Failure to zero out the balance within 15 days, will result in legal matters being taken and I will report to the Federal Trade Commission for XXXX XXXX and identity theft. If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( AMSHER COLLECTION SERVICES ) and this letter may be tendered as evidence of failure to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since late XXXX I've been submitting letters to the major 3 credit bureaus after I was notified that personal my information was compromised. I also reached out to XXXX and XXXX XXXX. Transunion is the only CRA that I've had difficulty with getting the issues I have resolved. I've called, uploaded documents, and mailed letters certified. I've not had much success. When I called the number listed for the corporate office in PA, the call is always routed to call center outside the United States and no one is able to find my documents, or I do an over the phone dispute, wait 30 days and receive a generic response in the mail. If the other bureaus are able to remove the fraudulent and inaccurate accounts in question, why is transunion refusing too. I've submitted a notice of breach letter from XX/XX/XXXXpolice report, FTC affidavit, several CFPB complaints and various supporting documents. Please see the previous submissions below : XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXF-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXXC-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX  CRE-Date of inquiry XX/XX/2020
Product: Debt collection

I spoke with a representative on XX/XX/year> at Maury Cobb law firm regarding this debt. They could not provide adequate information about the debt. I had called to offer a settlement amount even though I didn't feel the debt was valid. I inquired as to whether this was for equipment and was told no it was for monthly service. I explained that it couldn't be for outstanding monthly service because I only had internet service with the original company and because XXXX XXXX XXXX XXXX, and I have to have internet service. I also relayed that I had returned equipment to the provider as well. Was told to contact the original creditor/ service provider. I did so and was told they couldn't even access the debt to tell me anything about it. 
I called Maury Cobb law firm back and told them that I don't believe this is a valid debt and that they had purchased this debt. They denied purchasing the debt and refused look into it further.
Product: Debt collection

Reference complaint XXXX I have received the creditors response in reference to my complaint. The creditors response is not accurate. Also, the document that was attached to the response can not be opened unless it is opened with a password. I do not have a password and the agent representative I contacted at CFPB today was not able to open it as well. Please provide documentations that can be accessible to everyone. I am requesting to see information MG Credit claimed to have sent me as validation. On XX/XX/XXXX at XXXX MG Credit received the certified letter that I have attached requesting validation of the debt. As a consumer I have requested proof/contract with my signature that binding me to this debt. I requested several proofs for validity and in writing. I requested the information to be sent via mail within 30 days. Nothing was received. Speaking with a representative from the MG Credit in XX/XX/XXXX I was not going to provide information to someone over the phone that I did not know whom I was speaking to. I requested MG Credit to send me proof of who they were and the account that I had with them. The letter was sent a few days later. I contacted MG Credit to discuss the account further. I sent the certified letter to cease contact and provide validity. I requested the following for validation. If MG Credit can not provide me with validation I am requested this collections account be removed from all three credit bureaus immediately. 

At this time I am asking CFPB to investigate this company and violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I have rights as a consumer to know if this creditor has anyone proof of this account. Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary.
Product: Debt collection

" m a victim of fraud and this collection company is trying to collect a debt that have past its statute of limitations. I repeatedly ask the collection company for validation of the debt that is competent evidence bearing my signature, Proof of identification ( Driver 's License or other form of Government ID }, a letter of sale or assignment from the original creditor to their company and that I ever had some contractual obligation to pay them.Those collections Consist of XXXX XXXX XXXX XX/XX/2023.
Product: Student loan

I have contacted Federal Student Aid ( " FSA '' ) on several occasions, including reconsideration requests and complaints, informing them that my federal students loans were placed by my servicer in a mandatory administrative processing forbearance for XXXX and XXXX XXXX XXXX for the purpose of recalculating my payments on an XXXX plan. Every instance I contacted FSA, I was met with long wait times and/or individuals who could provide no substantive guidance on the process of my reconsideration requests. Some of my requests have been open since XXXX, and would have been made even earlier but for FSA 's delay in updating my qualifying payment counts leading my to have to wait for them to post completed counts before I could take any action. 

Attached, I have included documentation demonstrating that my loan servicer, XXXX, placed me in a recalculation processing forbearance ahead of the months of XXXX and XX/XX/2024. As per FSA 's own guidance, if a student loan servicer needs additional time to recalculate payments on an XXXX plan and your account is placed in a processing forbearance, up to 60 days of processing forbearance time is eligible for XXXX credit. ( See https : //studentaid.gov/announcements-events/save-court-actions ; see https : XXXX ). Furthermore, federal regulation dictates that time spent in a mandatory administrative forbearance pursuant to 34 CFR Section 685.205 ( b ) ( ( 9 ) ( when time is needed to collect and process documentation supporting a forbearance request - in this instance the recalculation processing forbearance ) qualifies for XXXX XXXX XXXX XXXX ( " XXXX '' ). 34 CFR Section 685.219 ( c ) ( 2 ) ( v ) ( H ). 

FSA has to date failed to credit me with qualifying months for XXXX XXXX and/or XXXX XXXX, despite the fact that I have provided an Employment Certification Form evidencing qualifying employment and separate documentation showing that I was placed in a processing forbearance that qualifies for XXXX pursuant to FSA 's own guidance. I am at XXXX qualifying months, so if either XXXX XXXX or XXXX XXXX become eligible - as they should already be- I would be eligible for loan discharge pursuant to XXXX. FSA 's lack of responsiveness and failure to respond to or take action on my reconsideration requests have prevented me from receiving the XXXX loan discharge that I should have been entitled to in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of fraud by my sister. She has taken my identity, created fake ids, addresses and information. I have beeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I did not have a grasp on the situation and all of the true identity theft. I have prosecuted my sister and won the judgement to have the debts removed but yet they still remain. I have contacted all of the credit bureaus and provided the judgement inwhich they said they had it blocked and then unblocked due to the company submitting information but this information was never sent to me. The judge said if I had anymore trouble to submit but I have not been sent information from these companies inwhich I will list below. Also I have been at my address XXXXXXXX XXXX XXXX, XXXX XXXX, MI XXXX for over 3 years and all other addresses are due to fraud that my sister has created fake ids and information on. 

I have contacted XXXX, XXXX, and transunion on the following addresses that they refuse to delete : Addresses that are not mine are XXXX XXXX XXXX, XXXX MI XXXX and or XXXX XXXX XXXX, XXXX XXXX, mi XXXX and XXXX XXXX XXXX, XXXX mi XXXX. 

I have contacted XXXX, XXXX, and transunion on the following accounts that they refuse to delete : XXXX XXXX opened XX/XX/XXXX  ( XXXX, XXXX ) XXXX ( XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX Transunion, XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX Transunion, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Since becoming pregnant in XXXX and the pandemic I have been struggling to pay my car note. I called in XXXX of XXXX to advise that I would be having issues paying my bill and wanted to see if there was any assistance available. I was placed in the Covid protection program. At the end of each I would make my payment if I could. 

After living off of my savings for 2 years, I have no money. I called credit acceptance to see if there was anything more that could be done so I could keep my vehicle and my credit not be impacted due to the global pandemic. They would advise for me to just make payments that I can afford to pay, they reassured me that I would stay under covid protection. In the mist of not qualifying for unemployment benefits and not being able to find a job that paid enough to allow me to send my newborn to daycare, I missed 2 payments. 

I called credit acceptance in XX/XX/XXXX to explain what was happening and why I missed the 2 payments and begged them to keep me on covid protection. Even though prior to Covid, I was not late or missing a payment, they refused to put me back on covid protection. I am in a single-mother group that shares helpful information with each other and one of the mothers told me that the same thing happened to her and she was able to get back on the program and her credit was not affected. 

Since not being placed on the covid protection plan, I have still been making payments when I can, but my credit has been hit extremely hard, so much so that I can't get approved for an apartment for me and my daughter.

My credit score was XXXX, and because of covid and credit acceptance, my score is barely at XXXX. I really need help, I'm not deep enough in debt to be able to file for bankruptcy, credit acceptance is what is hurting me the most. 

Currently, my daughter and I are living in our car since I can't get approval for an apartment that is in a safe neighbor for us both.
Product: Checking or savings account

I Have Chase Saving & Checking account. I also have a Chase Credit Card. I manage all XXXX  accounts at the same site. 
I Pay my MONTHLY Credit card balance on this site where the Money is deducted from my Chase Checking account immediately. I have just noticed that Chase now representing this Credit card Payment as a LOAN PAYMENT on their website. I have taken no Loan from Chase and the Credit Card payment SHOULD NOT be listed as Loan payment. 


Date Description Type Amount Action XX/XX/XXXX Payment to Chase card ending in XXXX XX/XX/XXXX Loan  payment - {$1100.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX several fraudulent ATM withdrawals were taken from my daughters checking account, which I am a joint account holder on. They were made roughly at the same time in 5 different transactions :XX/XX/XXXX {$480.00} ATM withdrawal XX/XX/XXXX {$500.00} ATM withdrawal XX/XX/XXXX {$900.00} transfer from savings to checking XX/XX/XXXX {$800.00} ATM withdrawal XX/XX/XXXX{$1000.00} ATM withdrawal She noticed her debit card was missing the next day and called Chase Bank to report it missing. After speaking with a representative she realized all her funds had been taken out of her savings and checking, and her account had been overdrawn. Chase Bank transferred her to disputes department and she disputed the transactions. Chase temporarily reimbursed the funds back into her account after affidavit was signed.

We received a letter about a week later saying that the ATM debits are valid and the account will be charged back all the transactions.

I called Chase Bank dispute department and asked why they denied claim and to reopen the claim.

The claim was denied for the following reasons : - PIN code was used with no errors - ATM was used in proximity to where she resides within the city of XXXX XXXX IN - Debit card was used after the ATM withdrawals ( which it was a bill she paid 2days prior, that just posted.

- Transfer for {$900.00} was used at ATM from savings to checking ( that was part of the fraud ) I told them the bill was paid 2 days earlier and the debit just posted, also that the {$900.00} was transferred from savings to checking at that ATM by the person/people whom stole her card.

We then called police department and made a police report.

They reopened the case, only to get another letter stating that the debits will remain on account and that the claim is denied. I called them and they said that this decision is final and the reason why it was denied the second time was because : - PIN Code was used with no errors - ATM was used in proximity to where she resides in XXXX XXXX, IN.

I thought Chase Bank, whom I XXXX for 10 years for previously, would help us. We were under the impression that we are not liable for fraudulent charges including ATM withdrawals. Also of note, all these transactions equal up to {$2700.00} not including the transferred amount of {$900.00}. I was under the impression that ATMs have a {$500.00} daily limit for withdrawals. My daughter never spends this kind of money and its abnormal for her account. Why didn't Chase stop that transaction, at least when it became over {$500.00}? Why are my daughter and I responsible for fraud? What does zero liability me and why am I not protected?

She did not have her PIN on her card. She has never let anyone use her card.

Please help me understand why Chase isn't helping us or doing the right thing for us. I've read the disclosures, I've read the limit on ATM cards. All the verbiage states is we are triple protected, zero fraud liability, and daily ATM limit is {$500.00}. Do I need to obtain a lawyer? I thought all banks had to abide by the electronic funds transfer act when it comes to fraud.
Product: Debt collection

FAILED TO VALIDATE SAID DEBT ALONG WITH CONTACTING MY FAMILY MEMBER XXXX XXXX IN VIOLATION OF FCRA, FDCPA AND TCPA.
Product: Vehicle loan or lease

I sent an email through the Gm portal submitting the wrong reporting of payments and excessive billing out one month ahead which keeps reflecting a past due amount. I have had numerous calls for collects but no one can help me with email i submitted. Due to Covid no one is in call center and you can not obtain any help except through portal. What in place for covid in the state of texas as far as consumer protection?
Product: Debt collection

I have notified the credit bureaus in regards to these negative items being reported on my credit report. I have no knowledge of this account and I asked numerous times for it to be removed. XXXX and XXXX has already determined that the accounts does not belong to me in which they deleted the items. Equifax is the only bureau still reporting these inaccurate items. I was a victim of Identity theft in which I have submitted my FTC complaint as well as a police report to validate. A ton of inquiries and collection accounts showed up on my report and they should not be there. 
XXXX XXXX has not responded with the any documentation bearing my wet ink signature nor have they provided any proof of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i have reached out to Equifax on several occasions, They have failed to remove multiple fraud related accounts that are reporting inaccurately and invalid on my consumer report.. These accounts and the companies thAT HAVE USED MY IDENTITY WITHOUT MY CONSENT ARE NOW IN LITIGATION. I AM REQUESTING THAT EQUIFAX REMOVE THESE ITEMS IMMEDIATELY..FAILURE TO DO SO WILL RESULT IN ADDING THEM TO THE LAWSUIT AS THEY HAVE VIOLATED THE FCRA IN MULTIPLE REPORTING VIOLATIONS.