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 Experian 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 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal charge account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection utitliy account opened at XXXX XXXX XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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. 
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 or other personal consumer reports

This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

As a preferred customer with Bank of America, my husband and I receive a lot of offers to do more business with Bank of America. One day when I was in the bank, one of the staff informed me of a special they were having on HELOC loans, so I sat down to discuss. Prior to applying, I told the bank rep that we had filed for bankruptcy 5 years ago, and asked if this was disqualifying. I was told it was not. I was asked what was the value of our home and how much we still owe. I said we owe {$860000.00} and the value was probably about $ XXXX. I was told that looks fine, so I went ahead and applied. I told the rep we were looking to get a HELOC for $ XXXX XXXX The initial application was a simply two page document. Afterwards, I was contacted by BOA and asked to supply every single piece of financial data on myself, my husband and his business - tax returns, W2s, pay stubs, acct statements, profit/loss statement, etc. Once they had all of my financial information, and had pulled and dinged my credit, I was told BOA only gives HELOCs up to 75 % of value for jumbo loans, meaning we would only be eligible for a loan of less than {$100000.00}, which didn't serve my needs. Next we were told that the loan was denied. When we spoke to a rep on the phone, he specifically requested to speak with my husband and said the loan was denied because of my lower credit score, but that BOA would be willing to approve a HELOC application only in my husband 's name. The formal denial letters sent separately to me and my husband also stated difference reasons for the denial. My letter stated the reason as " Bankruptcy on file ''. This is problematic because if bankruptcy were grounds for denying the loan, it should have applied to my husband as well. In addition, the BOA rep knew we had filed for bankruptcy before I applied for the loan and before BOA collected all of our financial data. 
In addition, on what grounds can BOA offer my husband a HELOC based on a secured property that we jointly own? He gets all the benefit of the HELOC and yet I share half the risk. Surely, this is against regulation, and it is discriminatory again women in a marital relationship. 
We filed for bankruptcy because of a failed investment debt of my husband 's. It was his debt that was XXXX, not our home nor our vehicles. I am required to share in his debt, however, financial institutions can consider us differently after the bankruptcy given his very high income and my average income. This is discriminatory and gender biased.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$13000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$2000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date opened : XX/XX/2016 Balance : {$0.00}.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$8000.00} / XX/XX/2022 XXXX XXXX/ {$0.00} /
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions, XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

To whom it may concern : I received a copy of my TransUnion credit report, and I noticed some late payments on my credit report : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/year>, I attempted to cash out monies on CashApp. I was told that my account was suspended for o activity and to contact support. I immediately contacted support and was told I should receive an email in 24-48 hours. I waited 4 days no email and no updates. During which time I have contacted CashApp support multiple times. I am continuously being told my account is suspended for unusual activity. And the issue is being escalated and they have no more information for me through support and I will need to wait for email. Keep in mind during this time, my CashApp account has received funds. But I am still unable to withdraw or move my money that I has been legally transferred there. I was then told that my account was closed but my money inaccessible. It has been over week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit for almost a year and have been sending disputes to experian, XXXX, and XXXX since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have experian delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have experian, XXXX, and XXXX remove the following incorrect XXXX from my credit reports : XXXX BANK, XXXX XXXX BANK, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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

XXXX. XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the account opened on XX/XX/2016, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and TransUnion ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$500.00} via money order or certified cashiers check or e-check by phone. 

Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

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

Dear EXPERIAN, I am writing to formally request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you block fraudulent information appearing on my consumer credit report. This fraudulent information consists of accounts, hard inquiries, and collections that I did not authorize and that are the result of identity theft. 

Specifically, the following accounts are fraudulent and were neither opened nor authorized by me : A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition to these fraudulent accounts, several hard inquiries and collections have appeared on my consumer credit report, all of which are also the result of identity theft. 

I have attached a list of the fraudulent hard inquiries, as well as a copy of my consumer FICO credit report maintained by you, which reflects the fraudulent accounts, inquiries, and collections. I do not recognize any of these accounts, collections, or hard inquiries, and I affirm that none of these transactions were initiated or authorized by me.

All of the accounts, collections, and inquiries listed above are the result of identity theft and fraud. For your reference, I have also attached a copy of my FTC Identity Theft Report ( Criminal Complaint # [ private case number ] ), which serves as official proof from the U.S. Federal Trade Commission that these items are fraudulent.

I request that these fraudulent accounts, inquiries, and collections be blocked from my credit report within 4 business days, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the fraudulent items have been removed from my credit report. 

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

1. I sent a letter dated XX/XX/XXXX and addressed to XXXX to the following address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in regards to incorrect personal information on my credit report. In the letter, I informed XXXX of the incorrect personal information. 

I requested the information be removed to display only correct personal information. I received a response letter dated, XX/XX/XXXX from XXXX stating the following : " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ... ... ... ... ... .. '' In their letter, they also requested a credit repair company identify themselves by providing proof that I gave authorization to a credit repair company to communicate on my behalf. 

There is no credit repair company or third party. As I sent the letters, it appears XXXX responded to my request to buy themselves some time and declined to correct or remove the information. 

As I reviewed my credit report today, XXXX recently added and updated my name as it is on the letter I sent to them and also did not remove the other incorrect information. My name is incorrectly spelled and I only go by one name. I want my personal information correctly reported. 

XXXX. I sent a letter dated XX/XX/XXXX and addressed it to Equifax to the following address, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX in regards to an outdated address on my credit report. In the letter, I informed Equifax of the outdated address and requested it be removed. As I reviewed my credit report today, the outdated address is still on my credit report. I want my personal information correctly reported including current information, not outdated information. 

It has been well over 30 days and neither credit reporting company has corrected the errors as I have requested.
Product: Debt collection

I am writing to bring to your attention a serious issue regarding inaccurate information on my credit report, specifically related to a collection account. It has come to my attention that a collection agency has been reporting incorrect information using my name and date of birth. I strongly believe this is a direct consequence of identity theft, and I am determined to rectify this situation promptly. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the erroneous collection account from my credit report. I understand that accurate credit reporting is crucial for maintaining financial stability and trust in the credit system, and I am committed to resolving this issue in a timely manner. 

To assist you in your investigation, I would be happy to provide any documentation or evidence necessary to demonstrate that this collection account does not belong to me. Additionally, I have taken the necessary steps to report the identity theft incident to the appropriate authorities and obtain an identity theft report, which I am prepared to share with you upon request. 

I am confident that your expertise and commitment to consumer protection will guide you in resolving this matter effectively. I greatly appreciate your attention to this urgent matter and look forward to receiving updates on the progress of your investigation. 

Please provide me with the necessary steps to initiate the investigation and any supporting documents you may require. I eagerly await your response and am hopeful that together we can rectify this situation promptly and restore the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX five charges for {$490.00} to XXXX XXXX XXXX' were made to my account. Almost immediately I called Wells Fargo to reverse the fraudulent charges. They initially refunded the charge but now ( as of XX/XX/XXXX ) they have rescinded that decision and charged me for 2 of the charges for a total of {$990.00}. My only explanation is I replied " y '' to a text confirming one of the charges because I had made a purchase for a similar amount from XXXX XXXX XXXX around that time and thought that was the reason for the text. I called once I realized my mistake, that same day. Any restitution would be appreciated.