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

I am writing to express my concern regarding these unauthorized and fraudulent inquiries ( XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Mortgage

I was offered forebearance during corona. I did all they asked and it was to be put on back of loan with no penalties. It took 2 years to get lian back. I had to hire a lawyer. They did nothing!! They made impossible to get back on track! They reported me late several times during the forebearance. I had to come up with a latge amount as these crooks tried to foreclose while on forebearance. I was charged ridiculous fees and still am being given XXXX. Including autopay which I removed months ago, monthly payment that was supposed to go down yet went up and misinformation by their employees on several occassions!
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. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent entry on my credit report. Someone at XXXX XXXX XXXX XXXX apparently tried to take out a line of credit in my name, and an inquiry now appears on my report. This is a well-known issue with XXXX XXXX, and CFPB has already determined this has happened to up to 2 million other people as well. I called XXXX XXXX, and they state they have no record of any home equity application from me. 

Despite this, Experian refuses to so much as open a dispute. They will not take disputes online, referring me instead to a telephone number. I have called the telephone number several times over the past 2-3 weeks, but instead of being able to submit my dispute, I am instead subjected to hold times of up to almost an hour, routed to customer service agents who take the same information over and over, then placed on hold again, at which point their system hangs up on me. 

I subscribe to Experian 's service, and even if I didn't, federal law allows me to submit disputes. I don't understand why Experian refuses to make this possible.
Product: Debt collection

I repeatedly received voice messages from people identified as employees of the Comenity Bank regarding debt collection. According to their voice messages, it is about debt owed by another person that I do not know anything about. Based on my phone records, the most recent calls/voicemails they made to my number are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. The calls were shown to made from XXXX and XXXX, but the call back numbers they gave are respectively XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the company has an unapproved inquiry on my credit report. Below are the names of the company and the dates on which I acquired the inquiry. 

XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and saw a Hard inquiry from XXXX in XXXX, Flordia. I never used this company and never provided any of my information for it. I tried to call the creditor and they instructed me to call Transunion. Transunion told me that the creditor has to let them know that the information is incorrect so they could take it off my credit report and the creditor still told me that they could not take it off even when I know they can. This hard inquiry is affecting my credit and it needs to be removed immediately. The Inquiry is named National credit cards/Airlines.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, This is a formal follow-up to my ongoing complaints against XXXX ( Complaint Numbers : XXXX and XXXX ). Despite multiple submissions of extensive documentation, including FTC Identity Theft Reports and deletion letters from the original creditors, XXXX continues to demonstrate a pattern of malicious non-compliance and intentional misrepresentation. Their actions reflect clear violations of the Fair Credit Reporting Act ( FCRA ) and FTC identity theft protections. 

Key Issues Highlighting XXXXs Malicious Intent : 1. False Certification Claims by XXXX : XXXX has repeatedly asserted that the disputed accounts have been certified as accurate by the original creditors. This is a blatantly false claim. The original creditors have already deleted the accounts, acknowledging their fraudulent nature after thorough reviews. I did not request certification ; I requested transaction histories and account-opening documents. The fact that XXXX is using false certification claims demonstrates their intent to mislead both me and the CFPB. 



2. Failure to Provide Legally Required Documentation : Despite numerous requests, XXXX has failed to provide the transaction histories and account-opening documents necessary to substantiate the legitimacy of these accounts. I am fully aware that these documents will not be provided, as the creditors themselves have already chosen to delete the accounts rather than conduct a further in-depth investigation. XXXX refusal to act on this and their continued reporting of these fraudulent accounts shows a clear lack of transparency and a deliberate attempt to evade responsibility. 



3XXXX XXXX  Continued Violation of Identity Theft Protections : Under the FCRA and FTC identity theft protections, XXXX is obligated to block or delete accounts proven to be fraudulent. I have provided FTC Identity Theft Reports, deletion letters from creditors, and proof of identity, yet XXXX has continued to act in bad faith by refusing to delete these accounts. This ongoing refusal represents a clear failure to comply with federal law and demonstrates malicious intent in their handling of my case. 



4. Intentional Misrepresentation and Delay Tactics : XXXX continued use of false certification claims, combined with their failure to act on the identity theft documentation and creditor deletion letters I have submitted, clearly indicates an effort to delay and mislead. This behavior is not just negligent ; it is intentional and systemic. Even if XXXX ultimately deletes the accounts, their lack of transparency, dishonesty, and repeated misrepresentation raise serious concerns about their compliance with consumer protection laws and warrant immediate investigation.
Product: Credit card

I am deeply dissatisfied with my bank 's service as a customer, primarily due to their failure to provide accurate and reasonable credit increases. Despite maintaining a pristine record with no history of late or missing payments, the bank has consistently overlooked my responsible financial behavior. This lack of acknowledgment has hindered my ability to access the credit I deserve based on my creditworthiness. 

Furthermore, my frustration is compounded by the bank 's involvement in unethical business practices. These practices not only erode my trust in the institution but also leave me questioning its commitment to ethical conduct. Despite expressing my concerns, I have received no assistance in resolving these issues or exploring alternative options. 

As a result, I feel compelled to sever ties with this establishment and seek a financial institution that values transparency, fair treatment, and customer satisfaction. The bank 's failure to address my legitimate concerns and provide adequate support has left me with no choice but to pursue banking services elsewhere.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/2023, my Equifax credit score dropped XXXX points. When I went to check why, there were XXXX minor changes to balances on existing accounts, in both directions, all of which were less than {$50.00}. I called Equifax to find out why, only to be told that not only can Customer Service not explain the massive drop, neither can anyone else reachable by me. Im applying for an apartment and this could destroy my ability to do so. Theres no way to contact them directly except by phone, which does not have the capacity even to explain the problem. This system is completely broken. For something so necessary to modern life, the calculation of a credit score should be completely transparent.
Product: Credit card

On XXXX XXXX I mistakenly purchased XXXX XXXX tickets from a fake XXXX XXXX website, since the page looked a lot like the official page. The day after I purchased I received email and XXXX messages requesting more personal information. I immediately got suspicious, checked the webpage and confirmed it was a fake tickets website ( XXXX ) and not the official XXXX XXXX website. I immediately called Chase to inform and try to cancel the charge. They indicated that since the charge was not processed yet, they could not do anything and that I had to wait until it was processed to make a dispute. I waited a few days until it was processed, made a dispute and explained the situation on XX/XX/year>. They issued me a statement credit and sent a new credit card through mail. 

The fake website started sending emails asking for my date of birth, which if course I never provided. I even bought tickets later from the official XXXX website and they never asked for my date of birth. As suspected, I never received XXXX tickets from the fake website, they even sent me an email from their alternate website XXXX just the day before the event indicating they couldnt deliver the tickets and that they would provide a credit in their website. Obviously there is no way to login as the website is fake so there is no credit. This email on XX/XX/year> was the last I received from them. A simple google search of the website will reveal multiple complaints of it being a fake website and defrauding olympic ticket buyers ( here is XXXX complaints link for your reference XXXX XXXX XXXX XXXX. Here is also an article explaining how this is a fake website : XXXX XXXX XXXX Today I received a letter from chase indicating that they have charged back my account for the transaction because I received a benefit from this transaction. Which as explained above and you can see in the evidence, I never received the tickets. I have no idea how chase can come to this conclusion and just close my case when I never received any benefit, and I thoroughly explained it was fake and their suspicious behavior. I was scammed as many others were and this can be easily corroborated.
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason TransUnion feels Im not following all the steps. 
XXXX XXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with TransUnion for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 

I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle that I had voluntarily repossessed in XXXX from Credit Acceptance Corporation because I fell on hard times and could not pay for the vehicle. Fast forward to today and I am trying to get a small home loan for like {$75000.00} and that is the only thing on my report preventing us from getting a home loan. This debt is being improperly reported as late payments instead of a charge-off which is how it is supposed to be reported. Please help, as in getting a home loan, it will help me get a lower monthly payment for living and then I can pay off more debts owed with the extra money I will be saving on rent vs. owning.

This is the information of that account : Account No. : XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always have problems with experian when ever I attempt to obtain a credit report. 
They keep some erroneous addresses on file for me, which in the past I have told them to remove, and they use these to block my online access to my credit report. 

I sent them a written request and they followed up with a copy of my report. ( XX/XX/20 ) They also included a pre-filled Dispute Form, which included an incorrect Date of Birth.

Their record of my date of birth in the credit report was accurate, but they were 30 yrs out on the Dispute Form. ( Is this regarded as " Close enough '' ) Is it reasonable to expect a modicum of accuracy from Credit bureaus like experian, or can that basically put whatever data they like both in personal files and also on pre-printed forms? 

In my experience, there would appear to be a lack of attention to detail, but possibly they don't really care.
Product: Credit reporting or other personal consumer reports

I noticed an inquiry from XXXX XXXX Date of Inquiry XX/XX/2022. I submitted a written, certified letter to Equifax that this was not an approved inquiry. I also called XXXX XXXX and they agreed to send a letter to explaining that they did not have any authorization on file to pull a hard credit report and requested the inquiry be removed. Equifax has chosen to ignore this information and to provide any further investigation after repeated letters/calls and attempts to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC XXXX/XXXX  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX Please remove from Inquiries : XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

On XXXX someone fraudulently used my info to get credit at a XXXX XXXX XXXX XXXX, also it looks like according to my credit monitoring that my social security number has been compromised on the dark web, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. also in XXXXXXXX  someone used XXXX XXXX XXXX XXXX XXXX which was done fruadulantly in XXXX, they had no access to my card either, reported that and got that taken care of thank goodness.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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: Vehicle loan or lease

In XXXX I leased my XXXX XXXX through XXXX XXXX. In XXXX I decided that I wanted to keep my XXXX and took a loan with Ally financial. At that point they should have had the title transferred from XXXX to them Ally Financial and they never did. They were also responsible for sending the Virginia Dept of Motor Vehicles the sales tax in the amount of {$1000.00} which they did not. In the loan contract attached you will see that my loan with Ally was satisfied and that the taxes in the amount of {$1000.00} were included in the loan but DMV has informed me that they never received the transfer of title from XXXX to Ally or the taxes. I have spent numerous hours on the phone talking to every department. On XX/XX/XXXX, I spent the entire day being transferred from department to department only to continue to not have no resolution. They are telling me I have to go after the car dealer for the taxes but my loan is between me and Ally. There is no other Seller on the sales contract but Ally. Ally is the Seller and lender of the loan which clearly makes Ally responsible to pay the taxes. I just want to sell my vehicle and am unable to do so because of this. I feel as though they have stole money from me at this point. If they will just look through their records to find this check that may help in some way but I can't even get that far with them because they keep telling me they are not responsible when its clear that they are. I really hope that you can help me with this situation because I am getting no where with Ally financial. They are not helping me and this money was paid and satisfied in my loan so they should be the responsible party to pay it but they are telling me that they are not responsible and the only way I can get the title to my vehicle is if they pay the taxes which are owed by them.
Product: Debt collection

I looked on my credit report and found this collection on my credit, however this account does not belong to me. I contacted the company and requested that they send me a signed application or anything that I personally agreed to in which they sent me nothing I told this company that the account was fraud and to please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on your report ... companies pulled credit without following fraud alert verification on credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.