23daVinci/CFPB_Complaints huggingface dataset:
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 the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureausr firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance Owed : {$0.00} - Previously Late/Open XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX. I can assure the Credit Bureaus 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 or other personal consumer reports

Contents of Complaint : This CFPB complaint is filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agencies TransUnion, XXXX, and XXXX block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of receiving this complaint. The disputed information includes fraudulent and inaccurate details from several accounts. A personal credit card account with XXXX XXXX was opened in XX/XX/XXXX, which incurred fraudulent charges of {$520.00}. Additionally, an account with XXXX XXXX XXXX XXXX was fraudulently opened in XX/XX/XXXX, though the amount of fraudulent charges is unknown. There is also an unauthorized account with XXXX XXXX XXXX XXXX XXXX  but both the opening date and fraudulent charge amounts remain undetermined. Furthermore, a fraudulent account associated with XXXX XXXX XXXX XXXX has accrued {$900.00} in fraudulent charges, and similarly, an account with XXXX XXXX XXXX has an unspecified opening date with fraudulent charges totaling XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have led to several unauthorized hard inquiries and collections appearing on my credit reports. I've attached a list of the hard inquiries in question and a copy of the consumer FICO credit reports showing the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries on my credit reports were not initiated by me and are the result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX as evidence from the US Federal Trade Commission that all the disputed consumer credit accounts, collections, and hard inquiries are due to identity theft and fraud.
Product: Debt collection

I am writing to formally dispute the alleged debt of {$690.00} associated with XXXX XXXX XXXX, Account Number : XXXX, and Resurgent Receivables Account Number : XXXX, which reflects a balance of {$440.00}. I do not believe I am liable for this debt, as I have had no direct contact or agreement with XXXX XXXX XXXX regarding this amount. 

To date, I have made a formal request to XXXX XXXX XXXX for the original contract, including a wet signature and appropriate identification verification. However, they have failed to provide these requested documents. I can not accept responsibility for this debt without receipt of the original contract and verification of my agreement. 

Furthermore, under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all further communication regarding this debt unless it is to provide the original signed contract. I have had no direct interaction with XXXX XXXX XXXX and am asserting my rights to dispute this debt under the FDCPA. 

I respectfully request that you thoroughly investigate this matter and take appropriate action to ensure that my rights are upheld by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY INFORMATION.
Product: Credit card

As a way to improve my credit score, I signed up for a PNC credit card. I already had a bank account with them and they had been sending me offers through the mail. The idea behind this was to both raise my credit ceiling, improve my debt-to-credit ratio and to take advantage of a 1-year 0 % APR offer. I opened the card XX/XX/XXXX. 
But the card they gave me only had a {$1000.00} limit. My total credit card was about {$3000.00}. 
When I received my credit card package, I was first told that I had a 60 day grace period to move balances. So, immediately I moved over {$1000.00}. I paid it down and called back at about the 6-week period. An associate then told me that I actually had until XX/XX/XXXX to move over balances. 
So yesterday ( XX/XX/XXXX ) I called back and they told me it was actually a 90-day period through XXXX XXXX. But that I was still within that window if I wanted to do a transfer. We had gone through the transfer prompts and I had given her the information. Right before we completed the transfer, she told me that since I had just made a {$220.00} payment, she suggested I called back the next day to make sure that that had gone through. 
When I called back today, they told me that I had missed the 90-day period by 5 days and that there was nothing they could do to change it. What I do n't understand is how the woman was able to nearly complete my transaction yesterday, but today nobody had any recollection of it nor could they replicate it or show any record of the interaction at all. 
If you take them for their word, it shows that their phone tellers are absolutely clueless. If you look at it cynically, then it looks like there was an effort to stop me from utilizing the 0 % APR offer to my advantage. 
Unfortunately, I got the reference number for today 's call : XXXX. Yesterday, I had n't foreseen any difficulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX are both reporting a bankruptcy on my credit report and they have put in the date of furnishing as the US bankruptcy court of the northern district of Florida which is false. I have attached a letter from the US bankruptcy court of the northern district of Florida verified, and stating that they do not furnish information over to the credit bureaus or any credit monitoring service, nor do they verify and validate any info concerning bankruptcies Trans Union and XXXX are both listing this info on my credit report and have yet to remove it.
Product: Credit reporting or other personal consumer reports

I went to XXXX fed to process my XXXX. This XXXXXXXX XXXX collection for {$85.00} pops up. I go to XXXX. to see where the collection came from. MY current account is a different number and active. XXXX can not find the account in their system. My XXXX  account is active today. I disputed this XXXX  days ago. XXXX XXXX XXXX conclude that the {$85.00} dollar is fraud & deleted it. Equifax did not. So I called in to ask them what happen with my dispute with my ID and XXXX and bill. The representative from Equifax tells me to send in a copy of my ID and XXXX card they can not find it. I have sent in an with my dispute. She said the only way that I can get this XXXX  account removed would be to send in my ID and XXXX & bill to Equifax Information Systems LLC po box address they do not accept fax of uploaded documents. Red Flag XXXX The fraud agent could not find my ID nor XXXX cards copies I sent in with my dispute in XXXX XXXX. 
I am very concerned because I have business credit with them also that has discrepancies and will not report my payments to XXXX ....?? Please help me I need this account removed and a copy of my credit report and business credit report for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Lexington law was paid for services and nothing was done
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Vehicle loan or lease

I called at XXXX XXXX  on XX/XX/21 to make a payment because I was unable to make it online. After being connected to the rep, I am told what my payment options are. I choose to use a bank draft instead of a card. I am then told that the only way I can pay is with a card and I will be charged a {$7.00} convenience charge. With no other options to pay, there is no reason a fee should be charged. This practice is abusive and greedy so KMF can make even more money. I was already charged a fee for the returned payment, which I agreed to in my contract. I did not sign up to be swindled out of more money just to make the missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion and XXXX on XX/XX/, It been well over 30 days. I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Trans Union and XXXX have 30 days to respond to my dispute. This is a violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, DPT EDXXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX Have violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681 c ( 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 conviction of crimes which antendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Apersonshall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 25 days ago I was called  by Kohls  credit card company saying I was late on a payment. I was told I had made  two  purchases in  XXXX . I explained to them that I had mail stolen from me around that time and have also had other issues with some fraud and possible tax return fraud. After speaking with many people at  Kohls  they could not get me to their fraud department in an expedited time frame. It took well over a half hour to speak with someone. No one could ever tell me what exactly was purchased nor did they give me the address of where the items were shipped. Only the fact that it was a city and state. They also explained that my wife 's account email address was either changed or attempted change to be changed to a very similar email address to her curren t one. After this call we received a letter delivered via USPS telling us the case was being investigated and we should only pay on the balance of what we owe. It is my understanding that our balance with Kohls was {$0.00}. If there was a balanced owed there was never an accurate statement sent to us to show an open balance. Kohls recently reported us late to the credit bureaus and shows an  open balance of almost 30 % more than our credit limit. I called into the collection department and I was told by their employee  XXXX   XXXX  ID  XXXX  that it is my responsibility to continue to pay on the account during the 30 day period after  Kohls explained the fraud to me. I told her that I was n't going to make payments on an account after I reported fraud. She then explained that Kohls would then reverse the credit reporting error after their investigation. In the mean time my balance shows {$360.00} dollars on a small credit line of {$300.00} and now a 30 day late. Their error is keeping me from moving into a new home and might effect my employment status and or future employment status. They are telling me to pay on a fraudulent charge to avoid their misrepresentation of derogatory credit. I spoke with  XXXX  immediate   supervisor  XXXX  employee ID  XXXX  and she explained that they could n't get through to their fraud department and agreed that if this is fraud then I should not be making payments during the investigation. She apologized for the miscommunication because they felt it was a dispute on the purchase not as a fraud dispute. I responded that it was not a miscommunication it rather was an employee who demanded payment to avoid reporting of erroneous credit history to the agencies and the additional late charges added to my credit bureau. I spoke with  XXXX  in the fraud dept ( employee ID  XXXX  ) and she explained that nothing should have been reported to the credit agencies and that it is the collection departments fault. She said she had no supervisors available and that  XXXX   XXXX  would call me when he gets out of his meeting. No one  at Kohls  knows how to fix this problem other than me making payments on a fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe that Navy Federal Credit Union is harassing me with location services and investigative services through the XXXX XXXX XXXX XXXX, since a private investigator was hired to locate my car. ( Please see Factual Content & CFPB COMPLAINT #  XXXX ). I have reason to believe this because when I spoke with a representative ( XXXX or XXXX ) at Navy Federal Credit Union over the phone one evening she said that XXXX XXXX will locate me. The tone behind what she said seems to imply a threat or investigative services, and this bothered me. It still bothers me. 

In the past a private investigator was hired to confiscate my property, and I am concerned that even though my car loan payments are current someone is still being hired to locate my property, observe, and report.
Product: Checking or savings account

On XX/XX/2021, my entire checking account ( ending XXXX ) was closed with no warning and little explanation. I had approximately {$1600.00} in that account and I have no access to any of my money. 

I only have a single document to share. This happened in an instant and I have received no explanation. 

I promptly contacted MoneyLion via phone ( my bank ) and all they told me was they noticed suspicious activity and they closed my account. They sent an email that detailed instructions on how to reopen my account but said it would take 3-5 business days to process.

I immediately asked to speak to a manager and they said there are no managers and that they were entitled to close my account without notice pursuant to the membership agreement.

3-5 business days to reopen an account is ludicrous. I am penniless. I have no money left to feed myself, pay my bills, or celebrate my birthday ( which at the time of writing is in a day ). 

They also said that I owe them an explanation as to the suspicious activity. The only activity that could be construed as suspicious was my student loan disbursement on Monday, XXXX ( approximately {$5100.00} ). But that is outrageous, given the fact I have been a customer for over two years and have had my loans disbursed to this account for nearly as long.

Waiting 3-5 business days is simply unacceptable. The fact that there is NO support or immediate review of these instances is mind-boggling. I am at a loss for words.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX I have proof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts that's reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Product: Payday loan, title loan, or personal loan

To Whom It May Concern : I paid my balance off in full the Rise Credit company on XX/XX/2020. The credit report update made for XXXX is not reflecting my balance being paid in full. It is only reflecting the payments I made in XXXX. In speaking with Rise Customer Service, they stated that their system reports payments made in the previous month not the payments in the current month even if it is paid in full. I disputed the balance with the credit bureau, but Rise Credit is responding saying the balance is correct. 
Since my payment was made in full on XX/XX/2020, I believe that Rise Credit should have reported to the credit bureaus that my balance is XXXX. Rise Credit reporting that my balance is {$3900.00} after my payment was made is incorrect on my credit report and I would like it to be resolved by updating the credit bureaus with the correct balance of XXXX. See attached payment in full documents and screenshots.
Product: Credit card or prepaid card

I made several large purchases on my Chase credit card amounting to around XXXX dollars and then proceeded to pay off that balance from my checking account the following day. 

The payment was processed and it was reflected on my account, however, Chase will not release my credit even after the balance has been reduced to near zero even after one full week. 

This leaves me unable to use the card as I have near-zero available credit on the card even though I have fully paid off the balance. 

When I contacted Chase, they claimed that the payments were " floated ''. After multiple correspondences, they asked for proof from my checking account that the payments have been sent from my checking account. I proceeded to send them the transaction statements from my checking account, and then chase proceeded to ignore my communications. 

This should be straight forward, the money left my checking account, Chase has received the money, the money has cleared and posted the account and is accurately reflected in the balance, but somehow my credit limit does not reflect the payment.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize and I didn't authorize the following inquiries on my consumer reports. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Please remove this inaccurate information. 
Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed a bankruptcy on my TransUnion credit report. TransUnion said the record was verified as accurate with the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). I contacted the court and the court responded that they do not report this information to the credit bureaus. I shared this with TransUnion and they said the item was verified, which is not accurate according to the court. 

I followed the same process with XXXX and the record was updated accordingly. 

TransUnion said they verified the bankruptcy with the court. The court told me they do not provide this information to credit bureaus, therefore, TransUnion is in violation of the Fair Credit Reporting Act and I wish to have this record removed from TransUnion credit report immediately. 

I have provided a copy of the correspondence I sent to TransUnion asking for removal of the account as well as the letter I received from the bankruptcy