23daVinci/CFPB_Complaints huggingface dataset:
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 Transunion 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.

I am filing this FTC Identity Theft Affidavit to report 3 fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, and a collection account with XXXX opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Product: Money transfer, virtual currency, or money service

I made a Square account for the first time ever received my debit card in the mail activated my debit card verified my self added money to my account {$460.00} to be exact and set my pin after added the money onto my account I seen I got an email stating that my account was on hold They had to verify some information already been verified. They told me it would take XXXX hours so they had {$460.00} on hold about XXXX oclock yesterday afternoon. I got an email stating they had XXXX my account and they were putting my money on hold for XXXX  days, this is money that I took out of my checking account to put on this account and not XXXX time did I Use their services. They said that I had violated XXXX of their policies and I dont really understand how I could violate the policy whenever Ive not even used the couch yet but theyre telling me its gon na be XXXX days before they release my money out of my checking account
Product: Credit card

. Comenity Bank has unjustly closed several of my accounts without my request or consent. These accounts include : AAA Daily Advantage Visa Signature Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dell Pay Credit Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sephora Credit Card XXXX XXXX XXXX XXXX XXXX XXXX Ulta Beauty Rewards Credit Card ( XXXX XXXX XXXX XXXX XXXX Zales The Diamond Card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. In addition to closing some of these accounts, Comenity Bank has placed restrictions on others, making it impossible for me to use them. They claim that they can not contact me, despite the fact that I never requested such a restriction. 
XXXX. I am currently disputing the balance on my Dell Pay Credit Account ( ending in XXXX ), as I never received the product I purchased. However, Comenity Bank has taken Dells side in this dispute and has ignored my requests for resolution. They continue to harass me about this balance, which I do not owe.

4. As a result of these closures and restrictions, I have been unable to access my accounts online to review statements or make payments.

5. The situation has caused me significant emotional distress, financial losses, and wasted time, especially due to the poor treatment from Comenity Banks outsourced customer service, where I have been harassed and provided with inconsistent and inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Equifax XXXX XXXX, I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reporting agencies ensure the maximum possible accuracy of consumer information. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ) of the XXXX XXXX XXXX XXXX, it is unlawful for consumer reporting agencies to engage in any unfair, deceptive, or abusive acts or practices. 

Furthermore, under 15 U.S.C. 1681c-2 ( Section XXXX ) of the FCRA, if this inaccurate information is the result of identity theft, I have the right to request that it be blocked from my credit report. If applicable, I am providing the necessary documentation to support this claim, and I request that Equifax take immediate action in compliance with the law. 

In compliance with the FCRA, I expect an investigation and a response within XXXX  days of receiving this dispute. If Equifax fails to correct these inaccuracies, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 

Enclosed are copies of supporting documents to support my claim. Please update my credit file accordingly and send me written confirmation once the corrections have been made. 

Thank you for your prompt attention to this matter. Please respond in writing to confirm receipt and the outcome of your investigation. 

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
Product: Credit reporting or other personal consumer reports

Someone has used my SSN to apply for a credit without my knowledge and I believe I'm a victim of identity theft. On XX/XX/XXXX I received an email from XXXX XXXX informing me of a new hard inquiry on my credit. I am subscribed to XXXX XXXX 's credit monitoring service. I have not conducted any business that required a hard credit inquiry with any institution, so I pulled my latest credit report from XXXX  and confirmed the hard inquiry I was notified about in the three bureaus. The inquiry was processed by EQUIFAX MORTGAGE SERVICES on XX/XX/XXXX and the originator was XXXX XXXX XXXXXXXX XXXX I called XXXX XXXX XXXXXXXX XXXX  and reported a hard inquiry on my credit coming from them that I was not aware of, they took note of my case and said they would send it to the appropriate team to investigate. I have not heard back from them. 

I had purchased the Identity Theft Protection service from XXXX XXXX XXXX XXXX, and they are also helping me work through this issue and have reached out to the Bank as well. I am reporting this case to the CFPB per their recommendation. 

Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was given a bill of {$250.00} on XX/XX/2021, for a network provider called XXXX XXXX XXXX I do not recall signing up with. i believe my identity was stolen and the bill was incurred. I have been going through recent hardships and at the same time recieve consistent phone calls from a debt collector called Sunrise credit service over the bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is no longer in Existence I need the verbiage on this account ending in XXXX Verbiage removed Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX  is no longer in Existence I need the verbiage on this account ending in XXXX Consumer disputes after resolution 180 days or more past due Fixed rate XXXX spoke with XXXX she is a Supervisor she clearly stated the account is paid in full she refuses to take the verbiage off Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX Consumer disputes after Resolution Charged off Account Subscriber Reports Dispute Resolved Consumer Diagrees I received my title in XXXX  from XXXX XXXX
Product: Credit card or prepaid card

I received and notice to my email to apply for a credit card. Being I already have two cards with capital one I decided to apply. After applying I received a notification to upload verification. I uploaded a driver 's license and paystub. A few days later I started to follow up on my application. On XX/XX/XXXX I called and got absolutely no where with the representative and requested a US rep. Got a US representative who kept discussing my current cards and asked me if I could give her the last four digits to a card I don't even have ( XXXX ). I spent XXXX  mins on the phone with no answers or resolutions. On XX/XX/XXXX I called and got XXXX in the fraud department who was not just incompetent but rude. Extremely. When I asked to speak to a manager she said " I'm a manager and I'm as high as you can go sorry '' when I said I would like to put in a complaint regarding how rude she was she said she will note her on complaint!!! And .... Said she will not let me speak to anyone else! This is ridiculous! I understand doing verifications to prevent fraud, but I have two cards always! What a joke and a waste of time. This company has to be the worst! Disrespectful, arrogant, and incompetent. I will be issuing a XXXX  complaint as well. 

Such fraud. Sends me a pre-approval and say I'm not who I say I am!. 


Application # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items off of my Credit File as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In accordance with the Fair credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File that resulted due to identity theft, please do so.
Product: Vehicle loan or lease

Global Lending Solutions is showing five late payments on my report when they told me that due to the pandemic, they would not be reporting any late payments as long as I paid within 60 days. I am current in my loan. Their statements were misleading and false.
Product: Debt collection

I had received a bill of {$140.00} from a dermatologists in XXXX that I had paid for via my XXXX Credit card through XXXX Bank. This was my second visit with them since one that I had in XXXX. I also paid that bill of {$140.00} through my XXXX credit card. The first payment for the visit in XXXX was for {$55.00} and it was paid on XXXX/XXXX/XXXX, one month after my visit at the doctors. I received a letter on XXXX/XXXX/XXXX from Peerless Credit regarding this very debt of {$130.00} ( the full payment before interest fro the credit card ) as being unpaid as of XXXX/XXXX/XXXX ( the date of the original payment via my credit card ), and if I did not pay it, that they would release this " unpaid '' account to their attorney at the XXXX XXXX Offices. Not thinking about this sooner, I have already submitted a partial payment of {$25.00} to them on XXXX/XXXX/XXXX. it was n't until now I realized that I did pay this bill off in XXXX via the aforementioned credit card agency. Peerless Credit 's phone number is XXXX they are located at XXXX XXXX XXXX XXXX XXXX PA XXXX. I have researched this company and they have numerous complaints stating that they consistently break FDCPA laws. I have attached three screenshots of the bank statements that I have received, the first one from XXXX, the second one from XXXX, and the third one from XXXX. I am hoping for this issue to be resolved, and for my payment to be returned to me. Thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, It has come to my attention that XXXX XXXX and or XXXX XXXX XXXX, XXXX are reporting charge offs on my report. One for XXXX and the other for XXXX. According to the INTERNAL REVENUE SERVICE, charge offs are considered income and income should not be reported on a credit report. I also never received a 1099c for either charge off. This is a direct violation of 15 usc 1681s-2 ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors. It also a violation of 15 usc 1681a ( 2 ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report and in this case there are 25 violations recorded on my credit report pertaining to these charge offs.

Upon reviewing my consumer report, It has come to my attention that XXXX, XXXX, XXXX, and XXXX are reporting addresses that are no longer mailable. Please remove these at once. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX Upon reviewing my consumer report, It has come to my attention that Fair Collections & Outsourcing are reporting Collections on my Credit report in the amount of {$2600.00} as well as HARVEST ASSOCIATES INC reporting an amount of {$950.00} . These companies are in direct violation of 15 usc 1681a ( 2 ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report. Also these accounts are being reported as open accounts in which a collection by default is a closed account.

HARVEST ASSOCIATES INC ARE ALSO IN DIRECT VIOLATION OF 15 USC 1681A ( 3 ) ( A ) for reporting my medical information and 15 usc 1681a ( 2 ) ( a ) ( i ) for reporting transactions or experiences between the consumer and the person making the report
Product: Debt collection

Transworld Systems Inc. contacted me mid XX/XX/XXXX stating my debt with them ( I had a student loan default ) was bought by " another company '' but TSI was continuing the collection services. TSI said they would no longer honor my previous payment arrangement of {$120.00} per month which I have been paying consistently since the debt was bought by TSI. The telephonist was super aggressive and said they would only consider a monthly payment of {$280.00}. They said they would contact my mother ( who was the cosigner ) and begin trying to collect from her and they would not stop until the debt was collected in full. The debt amount is around XXXX. I bargained them down to a figure of {$140.00} per month. I then get a letter from TSI on XX/XX/XXXX ( about a month later ) stating they would " honor '' my " previous payment arrangement. '' I suspect they have this scam going where they attack people and get them locked into a new higher payment schedule before they send out any letters stating they 're obliged to honor previous arrangements.
Product: Money transfers

I was using  XXXX  for the first time to secure an apartment for a family vacation to  XXXX . I found a great-looking apartment and emailed with the " owner '' through the  XXXX  website. I asked a lot of questions and she answered them -- lots of back and forth emails re : neighborhood, smoking/nonsmoking, pets, etc.   She requested that I send the full balance for the apartment via wire transfer to secure the apartment for the selected dates. Because I had never used  XXXX  before, I did n't know that this was n't the normal protocol. I received a formal confirmation email from "  XXXX  '' that looked totally legitimate -- logo, confirmation number, etc. I wired the money -- including a security deposit that I was told I 'd get back if everything was in good shape when I departed. The total was {$1400.00}. The week before my trip, I emailed the " owner '' requesting the address and inquiring how to get the key. When I sent off this email, I realized that I must have been duped. I contacted  XXXX . They told me to contact my bank. My bank required me to go in in person and then told me that there was nothing they could do for me -- that I should contact local police. I have NO idea what m y local county po lice could do about international wire transfer fraud, so I am submitting this complaint/claim through CFPB in hopes that there is some recourse that I can pursue with the bank to which I made the wire transfer. Thank you for your assistance.
Product: Credit card or prepaid card

In XX/XX/2017 I requested my billing address be updated. The agent assured me it was updated. However, I received a notification that I was 30 days late in paying the minimum amount due, {$31.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICITM OF AN IDENTITY THEFT, AND THE CREDIT CARD OPENED UNDER MY NAME IS FRAUDULENT AND NOT MINE. I HAVE SENT ALL REQUIRED DOCUMENTATION TO THE BUREAUS AND SEEMS LIKE ITS NOT HELPING THEM, I HAVE ALSO SENT THE SAME DOCUMENTS TO XXXX XXXX. THE CHARGES ARE FRAUDULENT AND THE ACCOUNT IS FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband purchased a property at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX in XXXX. I wasnt part of sale/never on mortgage. At some point he added me to deed. I was never on loan. We got divorced. I havent lived there at property in over 11 years. Unbeknownst to me, he let property go into foreclosure. I have nothing to do with the foreclosure. All mortgage statements are in his name only and I was never aware of the foreclosure until I went to buy a property last week and its now on my credit report bc Im on the deed. I need this removed! You are ruining my credit!
Product: Debt collection

The Collection Bureau of Hudson Valley Inc. has falsely accused me of being the owner of an account that is not mine and for a service that I have never utilized. Despite multiple conversations with a member of Collection Bureau of Hudson Valley Inc. in the early months of the year, I have spoken to a representative within the Collection Bureau of Hudson Valley Inc. twice in which I claimed and informed them of my disassociation with the account and implied/explained that my name was being fraudulently used for the services in which they are representing. I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges for XXXX XXXX. 

Despite my claim of disassociation from the account and the fraud lock and alert on my credit report for nearly a year, the collection agency reported a fraudulent account to the credit bureaus, severely damaging my credit reputation across all bureaus except XXXX, which promptly and efficiently removed the false collection account from my credit. Because there is a fraudulent lock and report on all of my credit reports, and they have completely ignored all of the risks associated with reporting false information and failing to respond to any requests for verification of the collection amount/service used, the Hudson Valley Inc. Collection Bureau is clearly inadequate and incompetent in its investigative process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

M account was charged XXXX on XX/XX/year> witout my premission and Bank of America allowed it plus it was no money in my account fr the XXXX to come out and they still charged to my account now my account is in the negative XXXX shouldnt been charged to my accounts cause I dont have XXXX in ther so basically am in debt wit the bank now cause they paided a bill i didnt ask or give premission to pay I have reached out to XXXX XXXX still have got any help frm them I need help