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

This is XXXX XXXX and I am submitting complaints regarding the Fraudulent items I found on my updated Credit Reports. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulents items showing on my credit report. I therefore request that you immediately remove these 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. Please delete the items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that TransUnion address specific questions about an investigation they claim they made. The complaint is about TransUnion Credit Bureau not adhering to my request to remove specific information erroneously recorded on my credit report. TransUnion Credit Bureau was served a final notice and still has not submitted the answers to my questions about their investigation. This bureau has refused to remove all account information I have been disputing for a year now. 

I specifically requested the following information from TransUnion : What certification/certified documents were received to conclude the investigation? I specifically asked for a complete copy of all information that was transmitted to the furnisher as part of the investigation. I also wanted to know who they spoke to ... 
What was the date? 
What was their position? 
What number did they call? 
What is the name of TransUnion employee who spoke directly to the creditor ( s )? 
What is the position of this employee that spoke to the creditor ( s )? 
What is your position to the employee? 

I have listed below the companies/accounts TransUnion continues to record. Please see attachments for each letter sent to TransUnion about my complaint/dispute. 

XXXX XXXX Loan Type : Charge Account Industry : Finance/Personal Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX Loan Type : Charge Account Industry : Home/Office Furnishings Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX Card Loan Type : Credit Card Industry : Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Loan Type : Revolving Account Industry : Credit Unions and Finance Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Loan Type : V. A. Real Estate Mortgage Industry : Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX Loan Type : Conventional Real Estate Mortgage Industry : Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Loan Type : Unsecured Industry : Finance/Personal Open Date : XX/XX/XXXX Status Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Automobile Industry : Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX Loan Type : Recreational Merchandise Industry : Credit Unions and Finance Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX Loan Type : Automobile Industry : Finance/Personal Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Collection Agency : XXXX XXXX Original Lender : XXXX XXXX XXXX XXXX Bank Date Assigned : XX/XX/XXXX Acct # XXXX Collection Agency : XXXX XXXX Original Lender : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Acct # XXXX Type : Chapter XXXX bankruptcy dismissed Case number : XXXX Date Filed : XX/XX/XXXX Status date : XX/XX/XXXX Date reported : XX/XX/XXXX Date Paid : XX/XX/XXXX Account Designator : Co-maker
Product: Credit card

I have requested a letter or email confirming a dispute over a charge was submitted and the representatives say they do not provide either. When asked where I can complain about this process gap, the rep stayed silent and no longer participated in the call.
Product: Debt collection

In XXXX XXXX XXXX set up acct w me for mobile phone. I personally went to their office to open a XXXX acct. I paid them what they needed to have this acct go through. I could never use the number they gave to me because it was still connected to a business, XXXX XXXX in XXXX XXXX ( CO ). I kept getting business messages. I notified XXXX I could not use the number they assigned to me. They stopped this number within a few days of assigning it to me. XXXX billing said I owed no more money ; my acct was closed ( XXXX XXXX ). Then some debt collector called to say I owed money. I went back to XXXX billing office and was assired, again, that I did not owe any money- my acct had been closed. Today, XX/XX/XXXX XXXX, I open a letter fron another bill collector saying I owe {$100.00} for a XXXX XXXX acct. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$2000.00} Monthly Payment XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$17000.00} Monthly Payment - Past Due Amount {$15000.00} Highest Balance - Terms 66 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX. 
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor XXXX  XXXX XXXX XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! ( Hippa ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Wholesale - non specific Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX NA Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I sold an item in person and utilized PayPal as a payment method in the amount of {$2300.00} for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. There was no issue with the product and the buyer and I had amicable contact post-purchase. However, On XX/XX/2020, the buyer reported our transaction as being unauthorized, over a month after purchasing the item from me. PayPal sided with the buyer despite evidence of an agreement and transaction. At no time did PayPal contact me to hear my side of the story. I currently have a negative balance of {$2300.00} in my PayPal account and also do not have the product that I sold.
Product: Credit reporting or other personal consumer reports

first i filed a dispute with experian after i saw XXXX XXXX XXXX XXXX reported that i had a checking account with them that closed with a negative balance. i filed identity theft report with XXXX and submitted the report to Experian demanding they remove the negative information as it was not my account but was done by someone who used my information. i submitted all requested documents verifying my identity also, they denied my dispute saying that i profited from this account. so i disputed again on the basis that the account was also not any sort of account that involved the issuance of credit or the agreement to pay money, nor was there ever any money lent. the account was said to have been closed by the bank with a negative balance, but the checking accounts negative balance was never attempted to be collected by any collection agency, or the bank. the bank just closed it and sent experian a report that i owed just short of {$8000.00}. the experian report shows this as a closed account with 4 months of on time payments and 2 months of overdue payments. as this is false information. a checking account is not a account that has any payment schedule arrangments, and since it was never sent to collection agencies for an attempt to collect a debt, it can not be placed on my credit file as a negative credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed out that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish officially. I am a victim of identity theft as I do not recognize those items in my credit report. Its very hurting when I see accounts that I do not recognize in my report and unfortunately, I am forced to write letters and complain. Please check them all and investigate and delete them forever as I have never signed any documents with them, and never authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up time to complain about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove these items : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXXXX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submittig this CFPB Complaint to bring a concerning matter to Equifax 's attention, as it has had a severe impact on my creditworthiness. It has come to my notice that there are accounts that are only reporting on my Equifax Credit Bureau, and the information being reported is outdated and misleading. I have not been able to find any traces of these accounts with other credit bureaus, which raises questions about the accuracy of this reporting. The following accounts are erroneous and should be removed for erroneous and misleading reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am deeply troubled by the inclusion of these accounts on my Equifax credit report, as the information Equifax presented are inaccurate and does not reflect my current financial status. I have diligently reviewed my credit reports from other major credit bureaus, and these accounts are notably absent from their records. This inconsistency raises significant concerns about the legitimacy of the information being reported only on Equifax.
Product: Payday loan, title loan, or personal loan

On XX/XX/18 I contacted Mariner Finance in writing due to the incorrect item that is being reported on my credit report. I formally disputed the item in which they are reporting due to the wrong amount owed, and I do not recall getting a loan with this particular creditor. However, I did not receive a response to my dispute ; nor was my credit file updated to reveal and indicate that I disputed the item that is being reported.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credit that were not done by me.This started over twenty years ago and is still a problem.I am constantly seeing stains on my report when my file is locked and im not understanding the purpose of having the extra security steps if they are not working.Ive contacted the FTC, credit bureaus other financial sources.At this point several consumers are not removing several credit attempts and I dont know what else to do.I made several identity theft reports both with FTC and The XXXX Police Department XXXX
Product: Credit card

After filing a complaint with the CFPB, the debt collection agency said to contact them directly to work out a solution. However, there has been no response to mailed or emailed contacts. I have yet to receive the information requested from either the original credit card company, Citibank or XXXX XXXX ( Law Offices of XXXX XXXX XXXX, XXXX, XXXX, GA ). I think that the paperwork I requested will show that the accounts was closed prior to the date reported and at a lesser balance. Please help. I made efforts to pay this debt and am still being penalized.
Product: Bank account or service

Recently I received my amended tax return check and made a mobile deposit into my joint checking account with my spouse. They made XXXX available and put the rest of hold until the check cleared. Two days later, They put my entire account on hold, including my husband 's pay roll direct deposit. They put my entire account under fraud alert stating that my check was not a real check. After numerous calls to the IRS, the confirmed that the check was legit and that they did issue it to my spouse and I. Then for no reason at all, decided to tell me that they are no longer going to keep doing business with me, and that my husband and I would have to wait 60 days to get any of the money that was in our checking account. They refuse to allow us to have any access to any of our funds, put our account on fraud alert for no reason even after it was confirmed with the irs that it was a legit check, also refused to provide any reason as to why they were refusing to do business with me anymore, Also would not give a reason why they were closing my checking account.
Product: Vehicle loan or lease

Unfortunately, the original creditors are no longer in business. I was working with Santander Consumer U.S.A. They have sold to someone else and I was never made aware of this, which is very frustrating. I had financed a XXXX XXXX XXXX through them. I was immediately reported to the credit bureaus just a few days after I purchased the vehicle. I tried to get this matter resolved but they kept saying that they would resolve and correct it. This never happened. I was sick for a while back in XXXX and I informed Santander of this and they said that they would work with me. They actually appeared like this was going to be the case. Yet, I kept making payments and they kept reporting late payments. My payments were {$480.00} per month. Due to my illness in XXXX I had fallen behind and the plandemic was affecting my job. Later in XXXX Santander was sued and lost a Civil Case. I received a letter from a lawfirm stating that my car was in this lawsuit settlement. I was informed to contact Santander pertaining to this matter. I did and they completely ignored the fact that the lawsuit settlement said my car was to be considered paid in full. We continued for months dancing around this issue. I kept trying to do the right things and the situation got way out of hand. I was even hung up on several times by their customer service agents when I would bring up these issues. Finally, I had dealt with their harassment over being called 9 times a day that I volunteered to surrender the vehicle. I was devastated because I wasn't given proper notification of the repossession and the Repo Service they sent to get the car refused to let me get my personal belongings out of the car. This was back in XX/XX/XXXX if I remember. They never contacted me about whether I wanted to try to get the car back or not. I was never given the opportunity and I could have done that. This was and still is a harmful issue for me to discuss.
Product: Debt collection

I received an alert from XXXX credit monitoring informing me that Butte County Credit Bureau placed a new account on my credit report. I found their contact info via XXXX search and called them. The customer service agent told me I have an account with XXXX XXXX XXXX for {$190.00} from XX/XX/2019 and that the account had actually been placed on my credit report in XX/XX/XXXX. Through a confirmation of my mailing address, we discovered that Butte County Credit Bureau has the wrong mailing address for me. Due to the fairly low amount, instead of disputing an account I don't recognize and did not receive notification about, I offered to pay the {$190.00} if they either removed the inaccurate information of late payments which were caused by their mistakes, or totally removed from my credit report. The customer service agent told it is not their policy to correct or remove information from credit reports. I contacted XXXX XXXX XXXX XXXX Department, who told me it is not against XXXX 's policy to remove inaccurate information from credit reports but that removing the inaccurate information would have to be done by Butte County Credit Bureau
Product: Checking or savings account

I've become a victim of identity theft and my Chase account, my XXXX XXXX account, my XXXX XXXX creditcard, and my XXXX  XXXX XXXX  account n CREDIT card account and my XXXX XXXX  account and also my XXXX XXXX account were all comprised and I haven't been refunded any of my money back.. I've provided my FTC IDENTITY THEFT REPORT, MY LOCAL POLICE REPORTS AND NOTHING HAVE BEEN RESOLVED YET.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/2023 I saw 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX  that said he worked for the XXXX XXXXXXXX XXXX XXXX. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX for their persistent and inaccurate reporting of a loan account on my credit report. Below, I provide a detailed history of my complaint and the issues I have encountered : Loan Origination and Financial Hardship : In early XXXX, while stationed in Washington as a member of the U.S. military, I took out a loan from XXXX XXXX XXXX XXXX. 
Later that year, I faced significant financial hardship due to a divorce and subsequent XXXX preparations for XXXX. These circumstances prevented me from making payments on the loan. 
Lack of Proper Documentation : I have repeatedly requested a copy of the original loan contract from XXXX XXXX XXXX XXXX, but they have failed to provide it. Instead, they only sent a bill without any supporting documentation. 
Threats and Communication : In XXXX, the company contacted me with threats of legal action and garnishment of my account. Despite these threats, there was no follow-up, and I did not receive any further communication from them. 
Inaccurate Credit Reporting : This account continues to appear on my credit report despite the cessation of payments and communication over eight years ago. 
The company has been manipulating the account information by altering the date the account was opened and changing its status. Originally opened in early XXXX, they have falsely reported the account as being opened in XXXX. 
The status of the account is inaccurately reported as active and in collection, despite it being closed and with no recent activity. 
Impact on Credit Score and Unfair Practices : The continuous and inaccurate reporting by XXXX XXXX XXXX XXXX is severely damaging my credit score. 
The actions of the company suggest a deliberate attempt to keep the account on my credit report to harm my financial standing. 
Resolution Sought : I request the Consumer Financial Protection Bureau 's assistance in resolving this matter. Specifically, I seek the following : Immediate Removal : The removal of this inaccurate account from my credit report, given that the debt is no longer valid due to the passage of time and the lack of documentation provided by the creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : An investigation into the practices of XXXX XXXX XXXX XXXX to prevent them from manipulating account information and violating consumer rights. 
Confirmation of Resolution : Written confirmation from XXXX XXXX XXXX XXXX and the credit bureaus that the account has been removed from my credit report. 
I appreciate your attention to this matter and look forward to your prompt assistance in ensuring that my rights as a consumer are protected.
Product: Vehicle loan or lease

I was very XXXX XXXX XXXX XXXX XXXX during the pandemic and i missed a car payment and was late by 33 days. I have called them 1000s of times and told them i was XXXX XXXX and they do not care. Is there anything we can do?