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

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX 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 XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 


This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX 



These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX the credit bureas and XXXX XXXX  Claimed they did an investigation But that can be possible when I never have written permission!!!!!! 

XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX - XXXX - XXXX ND XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX  Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting ac 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

Key Bank released my banking information without consent or a subpoena to XXXX XXXX XXXX XXXX XXXX causing panic and undo stress upon my elderly household member
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized inquiries on my credit report that I do not recognize and would like to have them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The credit bureaus and XXXX XXXX alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX reflects XXXX & Transunion reflects XXXX. 
XXXX reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet Transunion reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, XXXX NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i disputed the below item with Transuion and investigation was conducted and on XX/XX/year> transunion deleted/removed from my report i have the proof attached to prove it directly from transunion. today i reviewed my credit report and the account was re reported on my credit report. this is a violation of my fcra rights Remove this account from my report immediately.
Product: Mortgage

Our mortgage servicer, Shellpoint Mortgage has overpaid our property tax bill and owes us {$15000.00}. 

We live in XXXX XXXX county, and property taxes are due in two installments : XXXX and XXXX. We purchased our house this year, so there's a big increase in the property tax amount since last year ( the prior owner owned the house for 40+ years, so taxes had not been reassessed for a long time. ) We received two tax bills due XX/XX/XXXX to XXXX XXXX County : {$700.00}, and a supplemental of {$7600.00}. 
I asked Shellpoint Mortgage Servicing if they would pay both the initial and supplemental bills. On XX/XX/XXXX, Shellpoint Mortgage Servicing advised us via email that they would NOT pay our supplemental tax bill of and that customers need to pay this on their own. I paid the difference of {$7600.00} to XXXX XXXX from my personal checking account on XX/XX/XXXX. 
On XX/XX/XXXX, Shellpoint withdrew {$7600.00} from our escrow account, they ALSO withdrew an additional {$8300.00}, for the XX/XX/XXXX tax bill. As of XX/XX/XXXX, XXXX XXXX County has NOT received any of this money. 
This overdrew our Escrow account, and they're attempting to raise our monthly payment by {$1000.00} in order to compensate the negative escrow balance they've created. I've called Shellpoint many times, including on XX/XX/XXXX, where I spoke with XXXX, XX/XX/XXXX where I spoke with XXXX XXXX, and XX/XX/XXXX where I spoke to XXXX in the tax department, and received different answers each time. Shellpoint needs to reimburse us the {$15000.00} they've taken from us. To further complicate matters, we are in the middle of refinancing our mortgage, so we've had to increase the loan payoff amount to cover a negative escrow balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX  : {$0.00} XXXXXXXX XXXX XXXX : {$2400.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' Equifax indicates that my personal data was impacted by the breach that occurred around XX/XX/XXXX, but that customers were not notified until XXXX XXXX. 

Equifax has mishandled the data and the response to the breach allowing my personal credit score, identity, digital identity and financial future to be at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on XX/XX/2020 called and went online on XXXX XXXX to XXXX disputing inquires. Also, for Transunion have inquires and a derogatory item from XXXX that appear on my report. My reports shows numerous inquires on my XXXX  credit report and some of the same ones on Transunion. I never applied or authorized these companies to pull my personal credit history to established credit with this companies. Some of these companies I already have an establish relationship with so there is no need for me to apply for credit with them again. Also there are several duplicates that I have ask both bureaus to remove and they have fail to do so.
Product: Credit reporting

I was a patient XXXX Clinic and the owner, XXXX XXXX XXXX, was my XXXX. 
I went to this clinic XXXX. During the time that I received XXXX, I spoke to XXXX about my inability to continue XXXX due to the co-pay situation since I only had XXXX and they did take my Medicaid. 
XXXX told me personally to continue the therapy and that the co-pays would be written off. 
I would nt have continued otherwise. 
The co-pay was never written off and it has been sent to collections for some time now. Additionally, it has appeared on my credit report and it has adversely affected my ability to obtain credit. 
I am respectfully requesting that this debt be cancelled per the discussion that XXXX and I had during my XXXX sessions. In addition, I need the debt removed from my credit report. 
I have attempted to resolve this with collection agency and the clinic. I sent letters XXXX and they refuse to respond. I have made phone calls XXXX and they want to record my call ( which I am fine with as long as I get to do the same ). They have refused to have a mutually recorded conversation. They have refused my calls under these terms. I have requested XXXX to remove this debt off my report since they have not been able to validate the debt and they refuse to resolve it with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Experian XXXX were all sent letters on XX/XX/2023 from me specifically asking that all old addresses improper collection information and information. I do believe if I were white Id get some type of help and wouldnt be ignored please check into this because my next steps involves the law
Product: Debt collection

On XX/XX/XXXX I received a call from IQ Data Management International ( aka XXXX XXXX ) in reference to {$250.00} that was owed to XXXX at XXXX XXXX for utility bills. XXXX  never contacted me directly or mailed something to my current/last name address. I spoke to once representative ( phone number XXXX, ext XXXX ) and asked for an outline of the charges that were owed, as I was confused about the total, as my utilities were typically {$150.00} flat rate per month. The individual transferred me to the Operations Manager,  XXXX XXXX, who could give me more details about the account. I had to ask for him to give me a breakdown of the charges, at which point he became very impatient. I stated that I would like to verify the amount with my old apartment building, at which point he became agitated, was extremely rude, cut me off on multiple occasions and basically told me that he didn't believe that I was going to send in a payment, would annotate to my account that I refused to pay and that it would hit my credit score. I told him to not speak to me in such a way and that I no longer felt comfortable speaking to him or giving him my personal information, and asked to be transferred back to his employee. He transferred me back and the individual assisted me with scheduling a future payment on Friday, XX/XX/XXXX. this individual confirmed that I would be billed and a letter would be sent to my mailing address. When I asked who I could speak to, the individual gave me the main line number, as there were no complaints or other supervisors I could speak to. When transferred, I was sent to voicemail. I do not appreciate the aggressive tactics done by this company or XXXX, as I was simply inquiring as to why I was being charged, when the charges had been previously due, and what my payments options would be.
Product: Credit reporting or other personal consumer reports

I was shocked to discover incorrect accounts on my credit report this morning, and Im completely clueless as to why. I routinely check my credit report, but today there were errors that appeared out of the blue. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Given this troubling issue, Im requesting that the documents I provided be thoroughly reviewed, so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

ASKED TO RESUBMIT MY COMPLAINT TO REMOVE AN EXTENDED FRAUD ALERT WITH MY ID AND ADDRESS PROOF XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I got a copy of my credit report and saw that my report included a collection for XXXX XXXX XXXX for XXXX in the amount of {$4600.00} for an account that was opened on XX/XX/XXXX, i disputed the account and later was updated to show that it was opened on XX/XX/XXXX. I have never had an account nor applied with XXXX for any services. When i called XXXX XXXX to obtain information and dispute the collection, they asked me to verify my identity and provide them my information which i did do, they then repeated to me the information they had on file - the email address they had is not mine and i did not open the account nor did i authorize for any account to be opened in my name. I asked for information on the account, date time and location of where it was opened so that i could reach out to XXXX and investigate and was told they would send me the information to the address i provided at that time. I received a bill in the mail from them for this instead of a dispute or investigation. I was told that i needed to pay for a notary to notarize a statement and then go to the police department and open a police report for this. I have no information on the person that opened the account nor was i given any information to report besides what is on my credit file. i need this unauthorized account to be removed from my credit report and to be investigated. I also need information that i had requested previously for my records. I do not have any documentation or emails on this account and have been told i can't have it removed if i don't have paperwork- i wasn't even aware of it until i checked my credit this year. How do i dispute this invalid account?
Product: Credit card

On XX/XX/year>, I used my Synchrony Car Care credit card to pay for {$540.00} in car repairs at XXXX XXXX XXXX in XXXX, SC. I have many, many times in the past several decades used this same credit card at this same tire store because using this card allows me to pay for large purchases over 6 months interest free if I make payments on time. From my browsing history, I can see that on XX/XX/XXXX, I went on-line to the Synchrony website and accessed my account to make my first payment. My balance on my account on XX/XX/XXXX was reading {$0.00}, but I tried to make a payment anyways since I knew the balance would be posting soon. The website would not allow me to pay anything and gave me a message to the effect that balances under {$0.00} are not allowed. ( It is not unusual for the website to be delayed in posting initial balances ). 

I always pay bills on-line at the beginning of the month, so I decided to just wait until I was paying monthly bills at the beginning of XXXX to check back in. On XX/XX/XXXX, I again logged in to the website and realized that I had already been charged a {$30.00} late fee! The statement gives a date of XX/XX/XXXX, but it was absolutely not available on-line on XX/XX/XXXX or even on XX/XX/XXXX. I don't know when the Synchrony charges became visible on-line, but the company charged me the {$30.00} late fee on XX/XX/XXXX. This feels like Synchrony has made an intentional plan to get me. They wouldn't allow me to make a payment on XX/XX/XXXX ; they delayed posting the charge ; and then they charged me the late fee after posting for only 15 days or less. Is this a recent change this company has made to catch customers unawares and collect late fees? 

On XX/XX/XXXX, when I realized what Synchrony was doing, I immediately made a {$200.00} on-line payment. Currently, my outstanding balance is {$570.00}, so they have charged me an additional {$30.00}.
Product: Credit reporting or other personal consumer reports

i have recently discovered that someone has been using my personal information to obtain goods and services and using my identity, this makes me a victim of identity theft. 
i have taken all the steps to file reports to support my claim on these frauddulent accounts.please see attached supporting documents to support my claim on these fraudulent accounts and then p [ lease remove all fraud accounts from my personal credit report. 
thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I got signed up with this company through a tax consolidation company they provided no services for me and actually cost me more money and now they called the tax company they called me told me they were out of business and that I would be refunded. Now they refuse to give me my money back I received no services they cancelled the loan on me and now it's in my credit and no refund please help