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, XXXX, XXXX 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 Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX XXXX XXXXccount # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquires : XXXXXXXX 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

I found unauthorized charges on my XXXX XXXX $ XXXX *XXXX XXXX XXXX XXXX, CA XXXX XXXX Date XX/XX/2015Transaction Date XX/XX/2015Merchant Category XXXX-ALL OTHER XXXX Method MANUALLY KEYEDRecurring Billing Indicator XXXX tried to call the number on the credit card bill but was unsure if it was really a credit company as it could just be fraud.. they started to ask for more personal information and I refused to give them my ss # or credit card number. 
A search on the internet shows this is not an isolated incident.. lots of people are experiencing this.
Product: Credit reporting or other personal consumer reports

Credit Karma is reporting that I have collections month after month that needs to be disputed with XXXX, however I have requested my report from XXXX and the information they are reporting is FALSE. I have used the chat in Credit Karma for assistance 2 months ago and still no change!!
Product: Mortgage

All documents have been sent to PennyMac loss draft department to release insurance check to repair home! Company refuse to release funds so contractors can fix home. I have payed out of my pocket to repair some repairs. I'm not able to live in home! Theres no kitchen! Roof needs repaired! I have been sleeping on someone else sofa! My insurance company verified check has been cashed and cleared. The home is at 50 % repaired!
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received a {$40.00} payment through cashapp. When I went to pull it off onto my direct deposit card it closed my account and now I have XXXX in my account that i cant get off.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX  XXXX EMPLOYEES : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX XXXXays 2 FCRA violations : inquires not mine XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inquiries on my credit report that I DO NOT recall. Please provide me with documentation and proof I applied for credit with these creditors. If you can not provide such documentation, then please remove all these inquiries from my credit file immediately. Also there are alot of accounts that are being reported incorrectly. These accounts are showing past due and or charge-off/closed accounts. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report and please provide me with a new credit report reflecting these accounts removed upon completion. LAW 15 U.S.code 1666 correction of filling error and LAW 15 USC 16816 Permissible proof of consumer report.
Product: Credit card or prepaid card

I use to have an account with care credit and it was closed due to non activity. 

I just recently re-applied for an emergency and I got pre approved for {$2000.00} I had to use this website link to verify my identify and it had me take a picture of my barcode. I dont have the best camera In the world and I dont know why they have such a horrible system in place but I wasnt able to get the barcode to read with the system and they denied my application because of that. 

I wasnt provided an alternative method of verifying. So the letter is lying. 


I wasnt giving any information on how to move forward and this is annoying and a silly process because what if a person doesnt have a cell phone? What if a person doesnt have a camera. There should be other ways to verify someone besides the method I was given. 

I need this application to go through and this is important to get an understanding of how to move forward.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Report is showing an Active Account Was Closed & Deleted from my credit report & dropped my score all the way to XXXX. I originally called my secured card credit company to dispute the fraudulent chargers. My credit company told me they were then going to send me a new credit card and that the old one will not work. So Im just confused as to why it says I have no accounts open when In fact I have one credit card open.
Product: Credit reporting or other personal consumer reports

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account should have never been sent to collections. XXXX and CCS have been paid and have agreed to remove from credit report.
Product: Credit card or prepaid card

I filed a Statement of Fraud with Macys Department Store by fax  XX/XX/XXXX  after I discovered a theft on my account ending in  XXXX . I reported the card lost or stolen and a replacement card was issued. However, the minute I reported the theft in XX/XX/XXXX  Macys took all of the statements off the website for the account ending in  XXXX . I waited three months to receive them by mail meanwhile Macys wrote to me and threatened collections. The Macys Card stopped reporting with all  XXXX  credit bureaus, The Statement of Fraud included the following charges  XX/XX/XXXX   XXXX   XXXX  merchandise not mine XX/XX/XXXX  Macys.com  XXXX  returned XX/XX/XXXX Macys.com   XXXX   returned  XX/XX/XXXX  Balance Transfer from Acct ending in   XXXX     XXXX  *Note : Erroneous and Fraudulent Charges for the  XX/XX/XXXX Statement Duplicated in  XX/XX/XXXX . I can no longer obtain the statements on the website for the corrupted account ending in  XXXX .
A police report was filed. I have made numerous phone calls, written emails and faxed letters. Macys Fraud Division has ignored my request for credit of all the above referenced charges and they have transferred a corrupted balance from the card reported stolen to my new account.
Further I used my   XXXX   XXXX   XXXX   card on  XX/XX/XXXX to participate in a Macys.com 50-70 % MORE Sale. The order I authorized for  XXXX  on  XX/XX/XXXX  changed without my knowledge and consent to  XXXX . In addition to this failure of Macys to honor their sale each of the items in the order was separated and charged to the   XXXX   XXXX   XXXX   card twice, once before each item shipped and then again a ( 2nd ) second time during delivery. Fraudulent Charges on the   XXXX   XXXX   XXXX   card  XXXX  in XX/XX/XXXX . I can see why my Macys Store account is having problems.
I can not even begin to express to you how overly burdensome the problem with Macys has become in my household.
I have waited well over the statutory requirement for resolution of this theft and am seeking assistance now from your agency. Thank you.in advance for your courtesy and cooperation.
Product: Credit reporting or other personal consumer reports

I have received more than one letter that my data set has been breached, most recently XX/XX/XXXX. I noticed on my credit report certain errors that keep coming back and inaccurate information. One error is XXXX is reoccurring delinquent bank account. I do not have any delinquent accounts, for over XXXX years. XXXX XXXX XXXX XXXX has not provided me with any notice of a debt. Largely in part because I did not have an open account with this company. Ref date of closure XX/XX/XXXX. 
I have asked for XXXX own investigation and review of that investigation and provide me with a copy, independent of the 'verifying company '. I Have Not Received Any Results. ( I have not received any documentation from the verifying company XXXX XXXX XXXX XXXX. ) All consent implied expressed written or otherwise has been revoked. NO ONE OR ENTITY HAS my consent to share documentation I have submitted REGARDLESS OF THE BUSINESS matter of course or any other reason. Because I have found that this information is not used for the purpose intended, I request to receive independent results without sharing the results to third parties, in accordance with the FCRA.
Product: Checking or savings account

Opened an account with Laurel road recently. I set up direct deposit. Last week my paycheck was deposited no problem. I moved some money to a different account outside of XXXX  road. Again no problem. My next paycheck was deposited on XX/XX/2024. I again moved some of my money with XXXX  road to a different account. Everything looked fine yesterday. Today my direct deposit is gone and it says my account is now overdrawn. My ADP statement confirms my paycheck was deposited into my XXXX  road account. Customer service is beyond not helpful. XXXX not sure where to turn for help. I need to pay my bills.
Product: Credit reporting or other personal consumer reports

This account was opened on following date : XX/XX/XXXX, and have continued to be reported for date opened XX/XX/XXXX for balance of {$1000.00}. This is inaccurate date reporting and balance. This is inaccurate payment history reporting. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX, XXXX, and TransUnion failed to investigate this account properly afterI repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX Account number # XXXX amount {$1000.00}.
Product: Credit card

I requested a refund from Discover Card. Although card activities demonstrated a refund was sent, I never received it. In addition, they reported me to the credit bureaus for not paying the monthly fee. Therefore, I would like for the report to be amended, and I would like the refund.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Delay in Credit Reporting Dispute Resolution : File number : XXXX XXXX/CREDITFRESH I am writing to express my frustration regarding the unresolved credit reporting dispute that has now exceeded 30 days without any notification or response from the lenders involved. This delay is significantly impacting my livelihood and hindering the process of repairing my credit. 

I submitted a dispute regarding certain items on my credit report on XX/XX/year>, and according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days. However, it has been 94 days since my submission, and I have not received any communication or updates regarding the status of my dispute. 

This lack of response is not only causing undue stress but also preventing me from taking necessary steps to improve my credit standing. As a responsible consumer, I expect timely and transparent resolution of credit disputes, as mandated by federal regulations. 

I kindly request immediate action on this matter and appreciate your prompt attention to resolve this dispute at the earliest convenience. Please provide me with an update on the status of my dispute and the steps being taken to address it. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I previous wrote all three credit bureaus asking that bankruptcy be removed from my credit report I also wrote XXXX XXXX XXXX court asking do they report to the credit bureau they sent me back a letter stating that they do not report to the credit bureau. Under the FCRA act law this is a violation Im asking for it to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct XXXX and XXXX  XXXX acct no XXXX are closed accounts with XXXX  balance. Proof is attached of Experian 's refusal to investigate, yet the proof shows the accounts are open and experian also shows XXXX XXXX has a balance.There is no proof available to show the accounts are closed and paid to zero. 
The transactions closing and paying them to zero were conducted over the phone with a debit bankcard. 
Experian claims this is a " duplicative dispute '', When has experian ever investigated that the accounts were closed not open as experian depicts.And that the balances are XXXX on closed accounts ... when has XXXX ever investigated that fact? 

Experian is merely calling it duplicative and frivolous under the FCRA because it is not profitable for Experian to do any dispute ever and they will try to get out of doing disputes
Product: Payday loan, title loan, or personal loan

Loan was applied for in my name, but it was not me ( fraudulent loan application ). Loan company was Power Finance Texas ( XXXX / XXXX ). I contacted the company, and asked that the loan not be funded and that my account be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries at any point in time, I have attempted to get them taken off to no avail, without proper response or action from the credit reporting agency, transunion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX, I am the sole Director of a charitable organization called XXXX   XXXX XXXX XXXX ( incorporated in the State of Texas, IRS EIN # XXXX ). 

We have a checking account with Bank of America, where we deposited {$3000.00} to avoid monthly fees for account balance imposed by Bank of America. In XXXX of 2018, a fraudulent charge in the amount of {$2000.00} was made at XXXX XXXX retail location in XXXX XXXX, CA. This is the ONLY transaction that has ever occurred in this account. We were never notified of the fraudulent charge in any way by the Bank and by the time we noticed and filed a claim, the claim was not accepted. Additionally, the Bank proceeded to charge monthly fees even AFTER I submitted the formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX showed up on my credit report at a time when i wasn't even in the country. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WE JUST RECEIVED A MAILED PACKET O FTHE SAME INFORMATION SENT EMAIL FROM XXXXXXXX XXXX XXXXXXXX, I WANTED TO COMPARE THE INFORMATION SENT VIA EMAIL TO THAT OF THE MAILED COPIES. 

AS SUSPECTED THERE HAVE BEEN EXCESSIVE MODIFICATION REGARDING THE TRUSTEES CASH RECEIPTS AND DISBURSEMENT REPORTS AND THE DOCKETS AS IT REFERS TO EVERY REAL AND COMMERCIAL PROPERTY AND DEBT ( WHICH SHOULD NOT HAVE EVEN BEEN A PART OF THIS COURT ORCHESTRATED FRAUDULENT BANKRUPTCY! EVEN THE FALSIFIED DOCUMENTS FOR A LOAND WE NEVER SIGNED FOR NOR RECEIVED WAS MODIFIED. 

DID XXXX XXXX XXXXXXXX REALLY THING I WOULD NOT COLLECT EVERY PIECE ON PAPER RELATED TO THIS CASE? THE MODIFIED DOCKET IS OFF THE CHAIN. 
WHENEVER YOU DEAL WITH XXXX YOU ALWAYS PRINT DAILY. 

I EVEN REPORTED THE MODIFICATION OF VARIOUS DOCUMENTS REGARDING THE MORTGAGE FRAUD AND MORE. OUR NAMES WERE FORGED, LIFTED XXXX INITIALS FORGE, THE DISPERSEMENT WERE DISPERED TO THE TRUSTEE, JUDGE AND TRUSTEE ; S ATTORNEY, WOW WEE! CAN'T WAIT TO SEE THE LOOK ON INDIVIDUALS FACES UPON COMPARISON! AGAIN, WE GAVE YOUR FIRM A CHANCE TO CLEAR THIS UP, BUT YOU DIDN'T. BEING CAVALIER DOES NOT WORK TO ANYONE 'S ADVANTAGE! 

GIVEN THE COURT DOCUMENTS WERE MODIFIED AND ALTERED THEY ARE NOT VALID IN ADDITION TO NOT BEING VALID BECAUSE THE XXXX HAS COMMITTED BANKRUPTCY FRAUD! YOU ALREADY KNOW. 

OUR COMPUTER AND PHONES ARE STILL BEING HACKED. THIS OCCURS WHEN XFINITY IS IN HE NEIGHBORHOOD AT XXXX SUPPOSELY REPAIRING CABLE LIKE THEY WERE AGAIN TODAY! I ALREADY KNOW WHICH JUDGES AND LAWFIRMS ARE CONNECTED TO XXXX LET 'S BE A LOT MORE CREATIVE! 

PLEASE STOP HARRASSSING XXXX! NO RETAILATION WILL BE TOLERATED.
Product: Mortgage

I have been trying to find a way to settle my mortgage account with the current servicer, Real Time Resolutions. They have denied my attempts and failed to provide me with information on my account in regard to current monthly payment amounts, late charges and fees assessed each month and the full history of my account information. I have submitted requests in writing asking for these details but have not received them. On XX/XX/XXXX, I asked about repayment plans and loan modifications but was advised by a telephone representative that these were not offered. I also offered lump sums on XXXX different occasions to settle the debt but was denied both times. In XX/XX/XXXX, I offered a lump sum of {$14000.00}. In XXXX of XXXX, I offered a lump sum {$30000.00}. Both amounts were denied by Real Time Resolutions. On XX/XX/XXXX, I sent Real Time Resolutions a " Qualified Written Request '' via certified mail. They responded but failed to answer crucial questions and provide documentation of monthly payment amounts, late fees, interest charges, and loan balance amounts from the time they acquired the account until present. On XX/XX/XXXX, I emailed them a letter requesting a breakdown of the late fees and charges that are applied to my account on a monthly basis. They responded but again, failed to show a breakdown of their fees and failed to provide documentation of my account from the time they acquired it, until present. 

I have made phone calls, written letters, sent emails and offered lump sums as attempts to settle this account and to find missing information that is not being provided. These attempts have all been denied or ignored. On XX/XX/XXXX, requested for the investor to review the account, however I never heard back.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX, XXXX XXXX, SELECT PORTFOLIO SVCIN  XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

i keep applying for citi card recently on XX/XX/21 they denied me bc they blacklisted me for no reason citi bank said based on prior citi accounts, i was never ever late on my old accounts always paid off my balance
Product: Bank account or service

I have XXXX children ages XXXX and XXXX. Older child with higher income received a credit card with {$39.00} " maintenance fee '' and only {$300.00} credit limit. Younger child with lower income received a credit card without the fee and the limit is {$600.00}. This does n't make sense since this was their first credit cards, for XXXX of them. This bank may have double standard.
Product: Debt collection

I have requested documents from the bureaus and I have not received anything back to confirm this account
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from LVNV Funding LLC, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to XXXX and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that LVNV Funding LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

I WANT REPORTED ACCOUNTS TO BE REMOVE. 






these are the accounts that i have marked as inaccurate XXXX Agency XXXX XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated but have been unable to get any job but a part time job with XXXX XXXX. 
I have 4 loans with Sallie Mae and I am paying $ XXXXmonth on 1 and the rest are in default because they require me to pay way more than I make and my Mom can't afford an additional $ XXXXmonth payment. But they make calls to everyone even people that aren't relatives. I don't even know the people 's number they are robo calling. I was getting 8-10 calls a  day as well as my Mom. Then I heard from a cousin I haven't seen in 10 years that they called him about me.