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

XXXXm 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. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  Date Opened : XX/XX/2017 Balance : {$220000.00}. 

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: Credit reporting

I have sent Trans Union numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and remove 1 account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So here I am to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/2021 XXXX XXXX XXXX/2021 XXXX XXXXXXXX/XXXX/2021
Product: Checking or savings account

On XXXX, Chase Bank restricted and closed my personal and business accounts. I filed a complaint that day to which Chase responded that I would have my money after 10 business days. Well now, 10 business days have passed and I still havent gotten my money back. Im being told to continue to call and go to the bank branch for answers. At this point, Chase owes me {$19000.00}. At the branch, the manager tried to help me and she got the run around a from Chase internal departments. Nobody had any answers and this isnt appropriate way to treat customer or employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered 2 fraudulent accounts reporting to my credit report. Ive always paid all my accounts on time and these accounts DO NOT BELONG TO ME. the accounts are as follows XXXX which was opened on XX/XX/XXXX with a balance of {$350.00}. the other account is XXXX XXXX which was opened on XX/XX/XXXX with a balance of {$960.00}.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Account Information ( Account Name : XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am writing to address the inadequate response I received regarding my previous dispute concerning the above-mentioned account on my Equifax consumer report. 

In your response, you stated that, The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS DATE *BALANCE DATE. I find this response to be both perplexing and unacceptable for several reasons. 

Firstly, how can Equifax state that the account was " verified '' when the requested documentation to substantiate the account 's legitimacy was never furnished to me? I have yet to receive any proof that verifies this account as mine or any of the information associated with it. In addition, XXXX XXXX XXXX responded to my complaint via the Consumer Financial Protection Bureau ( CFPB ) by stating that the account has been placed in a restrictive status from further collection. Please find the respective documentation attached to this letter.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items 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 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
Product: Credit reporting or other personal consumer reports

TransUnion is reporting Address that's I have not lived at all and employers that I never worked for. I can not be at XXXX addresses at the same time. 

Addressee List ( False information ) 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 XXXX XXXX XXXX XXXX XXXX Employers List ( False information ) NEED XXXX INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am personal representative of dads estate apparently a claim was filed against this Nationstar d/b/a Mr Cooper with my Dad in Michigan circuit court XXXX  XXXX XXXX XXXX XX/XX/XXXX. The {$47000.00} mortgage taken out in XXXX XXXX was deemed ab initio property was given back to my dad. But this company has continued to collect mortgage payments to date. I am confused the pay off amount {$47000.00} if paid off by XX/XX/XXXX. It appears this company has continued to defraud my dad and his estate to date. I have asked for itemized statement for all payments made from the beginning of this loan only given information for payments made from XXXX to date.
Product: Mortgage

The only thing I understand from Financial Freedom 's response is that the monthly statements beginning in XXXX 2016 will reflect the " the estate of XXXX XXXX '' In Their statement they have said that they are waiting for " approval from the court to complete the rescission of the sheriffs sale ''. This leads me to believe that a case has been filed with the court. I therefore request that copies of the documents filed with the court to include name/jurisdiction of the court where filed, date of filing as well as case and docket number. For the record I have never mentioned that funds were advanced to XXXX XXXX. I simply stated that based upon the statements it would appear as such. I have also not received any documents that XXXX or FHA have direct knowledge of this issue or the estate. I would again request that documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX 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
Product: Debt collection

XXXX XXXX XXXX XXXX Todays date XX/XX/2024 Dear, CONTRACT CALLERS INC Thereby dispute the validity of the alleged debt listed below Entirely. 
I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this because I have had different companies reach out to me about the same alleged debt. 

To credit reporting bureau this account was a deleted from my account in another debt collection name now it is reporting a new fraud collection I ask for this account to be deleted ACCOUNT NAME : CONTRACT CALLERS INC Original creditor : XXXXXXXX XXXX XXXX XXXX  Balance details 0 % paid off Balance {$3100.00} Balance updated XXXX XXXXXXXX XXXX Original balance {$3100.00} Account info Account number XXXX Date opened XX/XX/2024 Account type Collection Status Collection account. {$3100.00} past due as of XXXX XXXX. 
Status updated XX/XX/2024 Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name CONTRACT CALLERS INC Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated a dispute with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove. 

Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 1 )  XXXX  - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX/XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit 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: Credit card or prepaid card

On XX/XX/2022 I purchased hockey tickets online thru XXXX for the XXXX XXXX. I used a card on file. I immediately received an email from Capital One that the transaction was declined because I was using a cancelled card. I went back to the site where i got the tickets and purchased a new set of tickets. I sldo emailed the merchant to inquire about the transaction that was declined and they ssid that both transactions went thru. When i looked in my credit card app both items were on it. I immediately called Capital One and disputed the transaction that Capital One said was declined. We went to the game on XX/XX/XXXX and only used the second set of tickets. I received a message from Capital One requesting more information. I sent it in. I received another message saying i didnt send what they asked for so they are denying my credit for it. I wouldnt have bought a new set of tickets if it wasnt for Capital One saying the card was declined and then they let that same transaction go thru.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern- Im writing to dispute a charge made to my Barclay credit card after the card was canceled. On XX/XX/XXXX, I called and canceled my Barclaycard,  which held a {$0.00} balance. On XX/XX/XXXX, a XXXX charge of {$2.00} was processed on my card. I was completely unaware of this charge until XXXX/XX/XX/XXXX, when a lending agency pulled our credit report, which showed late payments and my account had been sent to collections. I had not received one billing statement between XXXX and XXXX, notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card off monthly and had been in good standing with Barclaycard. 

After learning of the overdue balance, I paid my balance of {$3.00} in XX/XX/XXXX, and Barclaycard waived the late fees because Braclay agreed that the error was theirs and they waived all fees and penalties. They also agreed at that time to fix it with the credit bureaus. However, the delinquency charges remain on my credit report. I found this out when I was refinancing my home and had to pay over a thousand dollars in points to get the rate I should have received because of my now bad credit. We spoke with the Barclay credit department, billing disputes department, and even resolution managers from Barclaycard. On XX/XX/XXXX, we spoke with a resolutions manager who agreed to remove the delinquency charges from the account since the charge was processed after the card had been closed. She said this information would be reported to the credit bureau on the evening of XX/XX/XXXX and that we would receive a letter in 7-10 business days notifying us of the changes. On XX/XX/XXXX, we called Barclaycard to follow up. After speaking with several customer service representatives, we were transferred to XXXX, a Resolutions Manager in Nevada, who then told us that the delinquency charges would remained on the account and that a letter had not been sent and they would not be helping us fix this because they had not made a mistake. We were informed that we should write a letter but that they would likely not do anything different and the fault was ours for not checking on the account. An account that had been closed with a {$0.00} balance. 

Im asking you to remove the delinquency charges from my account and report this information to the credit bureau for three reasons : 1 ) The charge was made after the account had been closed. 
2 ) We did not receive a billing statement or email notifying us of these charges. 
3 ) A Barclaycard manager already agreed to make these changes and then failed to do so.
Product: Credit reporting or other personal consumer reports

I paid my XXXX XXXX card off in full several months ago. Despite contacting XXXX  and Experian and showing proof the account is a XXXX balance Experian updated the balance as of XX/XX/2024 to {$490.00} despite the fact I submitted a dispute and uploaded my XXXX statement showing the balance is XXXX. This XXXX balance is prohibiting me from getting credit and hurting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX.
Product: Debt collection

I have contacted them via support portal on their website Ive also called them and asked them to stop calling because they were calling before XXXX XXXX  and they were calling me every 15 minutes every day including holidays The people that Ive spoke with on the phone have been told to stop calling and they still call and theyre also using abusive and profanity on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to check if my credit was still frozen and could not find the link on the website - ( it is hidden under the tab help ) - this option should be highlighted in bold on their main home page, not hidden in a tab. 

I assumed I had to become a member to check if my credit was frozen and went through with 3 steps including entering my credit card number which I assumed was a security check regarding access to a credit report. I signed up and somehow was charged {$24.00} for free credit monitoring services which is not what I wanted, I just wanted to check on a credit freeze. There was no final authorization page for charging credit cards like all websites do when purchasing something. Very deceptive marketing practice and confusing. Then when I went to cancel my subscription, there was two options at the bottom to choose why I was cancelling. I clicked on the big bold orange highlighted tab that brings you back to dashboard without cancelling service. I went back again and repeated the cancellation process and pressed the white tab ( not highlighted ) that said continue and cancel. Very deceptive and very obvious that they are making it difficult for you to cancel. I had to call and make sure that this service was cancelled.
Product: Debt collection

The company 's name is XXXX. I decided not to use their services, returned the equipment, and was still charged {$850.00}. As a result, my credit score decreased by XXXX points. 

On XX/XX/year>, I received an online alert informing me that a charge had gone to collections. When I contacted the collection agency, Amsher Collections Services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), they advised me to reach out to another agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

When I called XXXX XXXX, I was deliberately disconnected four times. I attempted to verify and confirm their physical business address to communicate with them formally, but I received no response. Therefore, I am escalating my dispute to your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding an unauthorized inquiry made by CREDCO on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to resolve the issue.

As a consumer, I am well aware of the protections provided under the FCRA. Section 604 of the FCRA clearly states that consumer reporting agencies, such as CREDCO, may only furnish a consumer report under specific circumstances, one of which includes " in accordance with the written instructions of the consumer to whom it relates. '' To the best of my knowledge, I have never provided written consent to CREDCO or any related entities to access, gather, or inquire about my credit report. Therefore, I strongly believe that the inquiry made by CREDCO is unauthorized and in direct violation of the FCRA. 
I understand the importance of protecting my personal information, particularly in the context of credit reports. The FCRA explicitly directs consumer reporting agencies to treat their duties with fairness, impartiality, and respect for the consumer 's right to privacy. By conducting an unauthorized inquiry, CREDCO has failed to fulfill these obligations and has infringed upon my privacy rights as a consumer. 
I am seeking immediate resolution and request that the CFPB thoroughly investigate this matter. In doing so, I kindly ask for : 1. Verification of the unauthorized inquiry made by CREDCO on my credit report.

2. Appropriate actions taken against CREDCO to rectify this violation of the FCRA.

3. Assurance that CREDCO will cease any further unauthorized inquiries on my credit report.

4. Compensation for any damages or harm caused by this unauthorized inquiry, if deemed necessary.

I expect a prompt response from the CREDCO regarding the initiation of an investigation and the subsequent steps taken to address this issue. Additionally, I would appreciate regular updates on the progress of the investigation and any actions taken by the CFPB.

Please note that I have retained copies of all relevant documents, including my credit report, for reference and potential legal action should it become necessary.