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

XXXX  ; Experian and XXXX  should not be reporting me as an authorized user on the CREDITCD/FBT partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} EXPERIAN XXXX XXXX  XX/XX/2021.
Product: Mortgage

We having trying for over a month to get BSI Financial to either Fax or Email a copy of our Loan Modification Agreement to XXXX XXXX  with no success. I have called and spoken to numerous people and they assure me this will be done. Is it not illegal for them to withhold this information? Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts and security to my credit report without my requesting it. This is a violation of FCRA regulations. I am providing my id info to verify my identity and as proof that I never requested these alerts ...
Product: Credit reporting or other personal consumer reports

I did not request an investigation into XXXX XXXX account so why is it showing under investigation?
Product: Student loan

School Misconduct Application was received by Navient on XX/XX/year> and loans were placed into forbearance. Forbearance ends in 14 days on XX/XX/year> and the application is still pending. On XX/XX/year> I received an email from Navient telling me that my loan servicing would be taken over by XXXX in the near future and that they would be in touch within the next few months.
Product: Bank account or service

On XXXX XXXX, 2015, Our company, XXXX XXXX XXXX, XXXX took XXXX deposits, XXXX in the amount of {$2900.00} and XXXX for {$9700.00}, to our bank Merrill Lynch for which we received dated and initialed receipts. When we got our bank statement, these XXXX deposits were not credited to our account. We talked to the tellers, and account representatives about these missing deposits. We were notified that the person who is supposed to scan the checks thought it was done and shredded all the checks on these deposits, therefore, the money is missing. The bank did agree to call all of our customers and let them know what happened, to try and recollect this money. We have had really upset customers calling us telling us that they do n't trust our bank enough to want to send a XXXX check. We have collected a majority of the money, but are still out {$2000.00} of this money. I always thought that if we have a valid receipt for the deposit, it should be put in our account. The bank told us that they will not put the money in our account, even though they know they are the ones who lost the money.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting

I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Equifax credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and have never heard of them nor have I ever received any type of documentation from this company. I am furious at this point.
Product: Credit reporting or other personal consumer reports

XXXX  is reporting information on my account that was do to identify theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buy law I have right to send documents showing that the accounts are fraudulent under lawsa ) XXXX. Except as otherwise provided in this section, a consumer reporting agency 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Product: Credit reporting or other personal consumer reports

The company is reporting this information on my credit report. 
Stating that I owe this debt. 
Which is negatively affecting my credit.
Product: Vehicle loan or lease

I bought my car XX/XX/2022 and have had problems with Toyota since. They lied plenty of times about the things the fixed on my car which led my car shut off on the freeway with me and my child in it .I have contacted toyota financial plenty of times to try to get a new vehicle and they told me it was nothing the could do about the car or loan. They have been adding extra fees to my account, sold me the car at a higher value its worth and forced me to pay XXXX $ a month on a car they refused to fix. My car has been repossessed and they are trying to charge me over XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXX : Account number : 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  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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: Mortgage

FALLOW UP TO COMPLAINT # XXXX. IT IS NOW XXXX AND I HAVE NOT RECEIVED A REFUND FROM THE MONEY SOURCE ( TMS ). I RECEIVED A PHONE CALL FROM TMS TELLING ME THEY HAD RECEIVED MY PREVIOUS COMPLAINT AND HAD ALL THE INFO TO MAKE A REFUND AND I WILL CALL YOU BACK TO DAY AND CONFIRM. LIES!! WE WILL OVERNIGHT MY REFUND. LIES!! LIES!! LIES!!. THAT BEING THE # 3 LIE!! THE CHECK IS COMING SOON. IT'S ALMOST TIME TO MAKE A NEW PAYMENT. WHAT TO DO!!!!!!!!!!! I'M XXXX AND XXXX   ON A FIXED INCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late fr purpose.
Product: Mortgage

On XX/XX/XXXX I received a mortgage loan from XXXX XXXX  ( at the time the name of this bank was XXXX ) for a total of {$350000.00}. On a monthly basis I paid a total of {$2400.00}, never missing a payment. On XXXX of XXXX, this mortgage was transferred to LoanCare and I was given a new mortgage number. On XX/XX/XXXX I sold this home and upon the deal closing on this date, paid the remaining remaining {$310000.00} of the loan to XXXX XXXX. Since that date, XXXX and/or XXXX XXXX  have XXXX to debit my account for {$2400.00} on a monthly basis totaling {$52000.00} as of today, XX/XX/XXXX. I first contacted XXXX XXXX  and MyLoanCare to resolve the issue on XX/XX/XXXX. Despite being told that this issue was resolved and I would be receiving a refund, it has still not been resolved and my account continues to be debited on a monthly basis. I have continued to try and contact the company to resolve this issue to no avail.
Product: Consumer Loan

XXXX XXXX stated contract was voided. Credit Acceptance Corp on XX/XX/2016 opened an installment account without my consent through XXXX XXXX XXXX. I was unable to provide deposit in the amount of {$1500.00} as required to include paying off XXXX red flags on my driver license. Dealership would not accept a promissory note. Credit Acceptance Corp et al XXXX XXXX stated contract was purchased on XX/XX/2016 by a third party. Again, on XX/XX/2016 Credit Acceptance withdrew monies without authorization. All authorizations were revoked associated with that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr Cooper mortgage reported a 30 days late for XX/XX/2020 when it wasn't 30 days late. I contacted Customer Service and spoke with XXXX XXXX and he agreed it was not 30 days late and said he would file an investigation. This falls under the CARES Act of XX/XX/2020 as it relates to Covid19 and not report late payments on top of it not being 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND 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 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/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LVNV Funding whom is doing business as Resurgent Capital Services on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV/Resurgent a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. I filed a complaint with my local police department and put the information in my police report. Prior to sending the affidavit I sent a letter to LVNV/Resurgent Capital Services to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX XXXX ) and LVNV/Resurgent Capital Services disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV/Resurgent Capital Services and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Product: Credit card or prepaid card

There are too many credit cards open on my credit report to put on here. Credit cards that arent mine and Ive never even heard of. This person has ruined my credit score and has also stolen my identity.
Product: Mortgage

Our current Mortgage company, Alterra, is not reporting our monthly payments to any of the 3 credit bureaus for the last 11 months. 

As a result, our attempt to refinance is being stalled due to the new lender requiring a verification of mortgage payment history. 

Our current loan officer assisting our refinance has sent multiple Verification of Mortgage requests accompanied by our Signed Borrower Authorization forms. None of these requests are being acknowledged nor is anyone available by phone to give clear answers nor help us out. Formal requests were sent more than 20 days ago. 

These delays are causing missed rate locks and higher interest charges daily for the opportunity cost of NOT being able to refinance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Birthdate : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Phone Number : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Experian : I am writing to dispute the following information that appears on my Experian consumer report. 
Dispute XXXX : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, MA XXXX Account name : XXXX XXXX XXXX  Status : Paid, Closed Date Opened : XX/XX/XXXX Explanation of item being disputed : Account was established wrongfully after receiving an online quote. I called in to ensure account was terminated and was advised that it would be closed. However, it remained open and company continued to request payment unbeknownst to me. I paid the balance shortly thereafter, however, it remains on my report. 

Dispute XXXX : XXXX Account number : XXXX Account Type : Utility Date Opened : XX/XX/XXXX Status : Paid, Closed Explanation of disputed items : XXXX charged me wrongfully stating that I did not return internet router. Router had been returned, however, they continued charging me for unreturned item, which went into collections in XX/XX/XXXX per the report. 

Dispute 3 : XXXX Account Number : XXXX Status : Open since XX/XX/XXXX Account Type : Credit Card Explanation of Dispute : Creditor submitted that I had a late payment in XX/XX/XXXX where my payment was XXXX  days past due. I am in good standing and have had no other late payments. I do not recognize this late payment as I have paid on time for the life of the account.
Product: Debt collection

This debt showed up on my credit report about XX/XX/XXXX i have no knowledge of debt contacted debt collector apparently it is a hospital bill from XX/XX/XXXX. 5 years ago. I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report from XXXX, XXXX and XXXX. I have also submitted disputes with each XXXX but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within XXXX days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.
Product: Credit card or prepaid card

Bank of America approved the XXXX XXXX claims I made. I was then hacked again within a half hour of it being deposited back into my bank account but this time they took the whole amount of {$4200.00} at one time on XXXX, the reference number given by Bank of America was # XXXX and the case number is XXXX. The phone number XXXX. The last four of the bank account # XXXX. My account was locked so I couldn't get into my account but someone else was able to go into the account and make the transfer on the back end. I have spoken with B of A claims and they said they have been working on this issue since XX/XX/2022 and I think that is deplorable. I have asked them to tell me who and where the {$4200.00} was transferred so I could file a police report and they have been very vague and not at all forthcoming
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of ; Installment loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ), Installment loan opened XX/XX/XXXX at XXXX XXXX ( Account number XXXX ) Line of credit opened XX/XX/XXXX at XXXX XXXX Bank ( Account number XXXX ) Mortgage loan opened XX/XX/XXXX at XXXX XXXX XXXX XXXX ( Account number XXXX ) Revolving account opened on XX/XX/XXXX at XXXX Credit ( Account number XXXX ), Revolving account opened on XX/XX/XXXX at XXXX ( Account number XXXX ) Revolving account opened XX/XX/XXXX at XXXX ( Account number XXXX XXXX XXXX account opened XX/XX/XXXX at XXXX XXXX XXXX ( Account number XXXX ) XXXX XXXX all inquiries as I have not applied for any credit within the last 2 years. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Checking or savings account

My Well Fargo debit card was revoked yet I had valid issues with unauthorized debits coming from XXXX XXXX in XXXX Texas of {$350.00} on XX/XX/XXXX yet my card I had in XXXX of XXXX was canceled ending in XXXX I had charges from supposedly the corporate in which I only had business in XXXX they took money from my account. Somehow they didn't do the right procedures in making sure unnecessary charges wouldn't occur. After sending my card ending in XXXX was sent. I made valid claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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