23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My TransUnion credit report currently contains a fraudulent inquiry from XXXX XXXX XXXX on XX/XX/year> I never authorized this company or anyone from this company to pull or review my credit report on the listed date ( or any similar date ). As this inquiry is a product of identity theft and is causing me great reputational harm and emotional distress, it needs to be removed from my report immediately. I want to make it exceptionally clear that I never gave you, TransUnion, permission to furnish this fraudulent information, and as such, per 15 USC 1681 ( B ) ( C ), you are now in violation, both together and separately, of my privacy rights and rights as a consumer. I expect speedy remedy to this situation ; the inquiry should be removed within four business days of receiving this communication. And if you choose to be willfully neglectful in regards to my credit file, I will not hesitate to seek remedy against you in a small claims court. I previously disputed this fraudulent inquiry with you via the CFPB, but you failed to remove it I suspect this may be because I didnt provide adequate personal ID. I will not make that mistake again, as I have attached the relevant FTC Identity Theft Report, personal ID ( drivers license and passport ), and address verification ( in the form of my most recent bank statement as well as my lease agreement ).
Product: Debt collection

MBA LAW is listed on my credit report for owing a debt originally owed to XXXX XXXX in the amount of {$1400.00}. There is also a similar account on my credit report by MBA LAW for owing a debt originally owed to XXXX XXXX in the amount of {$610.00}. This is for supposed medical bills that were billed during a time period when I was covered by health insurance. I was unaware of this issue until this account showed up on my credit report and negatively impacted my credit history and credit score. I attempted to contact the original creditor who refuse to provide any information pertaining to this " debt '' and was told to contact MBA LAW. I contacted MBA LAW over 35 days ago and requested all information pertaining to this matter in writing, the collected my mailing information and I still have not received the documentation I requested. 

I understand the company has a certain amount of time to respond and was told that my paperwork would be sent via mail within the next few days. I still have received nothing over a month later. This account needs to be removed from my credit report!!
Product: Credit card or prepaid card

I purchased an item on XX/XX/XXXX on XXXX by a discover credit card. The manufacturer warranty on that item is 2 years and that item is not working on XX/XX/XXXX. It's out of the original warranty, as discover credit card provides extra one year warranty so I filed a claim through discover. And discover customer service successfully created a claim number for me # XXXX. Actually discover customer service forwarded my case to a third-party insurance company called " XXXX, XXXX XXXX XXXX '' to handle my claim. And I uploaded all the required documents to XXXX XXXX   XXXX and submitted couple of additional documents based on the request of XXXX. But it seems like the XXXX claim team keeps giving me hard time and rejects my claim due to incomplete documents or document is not qualified.
Product: Credit reporting or other personal consumer reports

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXXdept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXX XXXX  XXXX opened on XX/XX/XXXX Those accounts are results in several fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the fraudulent accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, hold a XXXX XXXX visa number : XXXX. 

I delivered my baby in the US in XX/XX/2019, and I was covered by XXXX XXXX. 
There were a miscommunication between the hospital and XXXX caused the delivery to stay unpaid for a long time. 

The hospital and ( the doctor ), forwarded the bills to collection agencies, and the agencies reached me out, and it took so long till we fixed the issue with XXXX and get XXXX  balances, which as per the collection agency, will take time to be reflected to my credit report and this might cause some problems to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full, and per the creditor XXXX XXXX XXXX - this account was supposed to be deleted from my credit profile after it was paid.
Product: Consumer Loan

I ordered an exercise machine from XXXX off of a television infomercial. I agreed to pay XXXX payments of {$49.00} per month. One month after receiving the equipment I received a letter from Monterey Financial Services advising that I have a loan with them. A week later the account showed up on my credit bureau report. I never agreed to having an installment loan placed on my credit bureau reports. XXXX XXXX took it upon themselves to set up an account with Monterey Financial. During the course of paying for the equipment I got behind and Monterey Financial reported me as 61-90 days past due. When called Monterey and advised that I was going to sue them as I never gave authorization for them to open an account in my name and place it with the XXXX credit bureaus. XXXX the representative I spoke with received authorization from her supervisor XXXX XXXX that Monterey would change the status to paid as agreed if I paid the account off.I checked my credit files and found that they only reported the account as paid but with late payments. This was not the agreement. Further more the account should have never been placed on my credit files.
Product: Debt collection

This is my SECOND complaint about SYNCHRONY BANK. SYNCHRONY BANK continues to violate my rights as a federally protected consumer under 15 USC Chapter 41. I am a victim of identity theft and fraud. SYNCHRONY BANK has been harassing me and claims I owe a debt that is NOT mine to pay. I filed an FTC identity theft report and sent an Affidavit of Truth to SYNCHRONY BANK stating what violations they have violated with proof- sent on XX/XX/XXXX. ( attached ) It was sent via certified mail and I received the green return slip on XX/XX/XXXX letting me know it was in the hands of the XXXX of SYNCHRONY BANK. ( attached ) I had not heard from them, but noticed that the account was still open and with a different account number. With that, I filed my first CFPB complaint on XX/XX/XXXX. 

SYNCHRONY BANK finally responded XX/XX/XXXX. ( attached ) They declined signing my Affidavit of Truth and claimed that they " validated the debt because payments were made ''. Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore, my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me. Moreover, their " evidence of " proof '' in attempt to validate the debt is in violation of 15 USC 1692h- which was a violation stated in the Affidavit of Truth sent to them.

They continue to perform identity theft acting as if they are the Original Creditor. This is incorrect pursuant to 15 USC 1602 ( g ). I am the Original Creditor and my social security number issued credit, not them. This also violates 15 USC 1692e ( 2 ) and 15 USC 1692e ( 7 ). 

As mentioned briefly above, SYNCHRONY BANK proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. This is a violation of 15 USC 1602p. My account number changed from ending in XXXX to ending in XXXX. ( attached ) Furthermore, I did not apply or sign for the card with this account number, therefore I am not to be legally held to the contract. 

SYNCHRONY BANK continues to harass me sending emails to pay a debt that I don't owe. ( attached ) violating 15 USC 1692j, 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692 ( e ) ( 2 ) ( a ), 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ), and 15 USC 1692e ( 7 ) ( most already stated in the Affidavit of Truth they've already received. ). 

This is completely unlawful and abusive. I have provided all proof needed and have done all steps needed via the federal law and SYNCHRONY BANK is still breaking FEDERAL laws pursuant to the FDCPA.
Product: Credit reporting

A collection agency put my ss number to someone else name and charged me as the account holder which is not true dci consultants and they are horrible
Product: Credit reporting or other personal consumer reports

Im trying to apply for for funding to start the process of buying my house but I'm not able to get approved due to unrecognized innacurrate inquiries on my credit report. These inquiries were not authorized by me.
Product: Debt collection

I recently examined my credit report and identified several unauthorized accounts that were added without my awareness.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the persistent and unresolved issues with fraudulent items that continue to appear in my credit file. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of First Discovery ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items in my credit file. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit file. 

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit file. 

XXXX that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter.I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX 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 formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$680.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$800.00} XXXX XXXX XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached my driver 's license, social security card, dispute letters and a copy of my ID theft report. 

I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted as a result of these errors. The CRAs and creditors did not conduct a reasonable investigation and has blantatly ignored my disputes. 

Please delete these accounts listed below along with the following reasons : 1. XXXX - Violation XXXX XXXX XXXX XXXX XXXX - validation of debt and XXXX5 USC 1692g unfair and unconscionable practices 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 3. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 4. XXXX XXXX XXXX ( OriginalCreditor : XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 5. XXXX - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 6. XXXX XXXX XXXX  ( Original Creditor : XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 7. FCO ( Original Creditor : XXXX XXXX XXXX XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/20 ... a convergence of issues arose as to where I was not able to access any electronic device for approximately a six month time frame ... .this is of a personal nature and is beyond the scope of the complaint. A search of my general credit report will show that only ONE account via CHASE bank ever became behind or outstanding due to non-payment. I was under the impression the CHASE acct. was automatically being paid via personal arrangement as were ALL others during this time ... also, easily documented. I have contacted CHASE, brought the acct. current and paid all late fees, as I am surely obligated to do and accept responsibility for. Especially, during these times of a pandemic, it would appear as if perhaps I am being treated rather harshly by CHASE as to their absolute refusal to withdraw the negative reporting, or perhaps modify in some way. I dont think this is the intent behind our financial protection laws. Had I known I was behind, I would have gladly brought this acct. current. The negative reports by CHASE have caused great aggregate harm to my current report and does not accurately portray my consistent past behavior.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I received a letter to appear in XXXX XXXX County Superior ( XXXX XXXX, Indiana ) court a motion initiated by Portfolio Recovery Services., LLC ( Plaintiff ). XXXX XXXX XXXX. XXXX, VA XXXX. 

Chronological summary : On XX/XX/XXXX, I received a certified mailing notifying me of debt from that was obtained from their company on XX/XX/XXXX. At such time I became aware of a fraudulent account opened in my name. I disputed the debt with both the debt collector and the credit bureaus. On XX/XX/XXXX I received a notice from the Portfolio that the acknowledged the dispute and requested with the consumer reporting agencies that the debt be listed as disputed. 

I received no further communication from the debt collector until XX/XX/XXXX. The debt collector filed a motion with the XXXX XXXX XXXX XXXX XXXX. I contacted the debt collector and informed them to cease court activity as the statute of limitations for court action for a debt in the state of Indiana was six years and the debt in question was from XX/XX/XXXX. 
I contacted the clerk of the Superior Court in XX/XX/XXXX and was informed that the plaintiff did not file the appropriate paperwork in time and that the court date was not scheduled. 
I received no notice to appear in Superior Court to dispute the debt. 
On XX/XX/XXXX, a default judgment was awarded in XXXX XXXX Superior Court Cause No. XXXX. 
I was not notified that a court hearing was scheduled and had no ability to defend my case that 1. the debt was disputed for fraudulent activity 2. the debt was past the legal statute of limitations in the state of Indiana.

This is a violation of the federal Fair Debt Collection Practices Act ( FDCPA ).