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

On several different dates my identity was compromised. I recently pulled my Transunion credit report and noticed numerous fraudulent inquiries. None of these Inquiries where authorized or permitted by me. Several credit cards where applied for without my knowledge or written consent. I believe my Identity has been compromised and would like to pursue further action to protect my identity. I want to restore my Credit report and remove any inaccurate information reporting to my credit report. I have listed the fraudulent inquiries from my Transunion credit report belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX {$25000.00} account closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX does not belong to me XXXX  Balance $ XXXX does not belong to me XXXX XXXX Balance $ XXXX does not belong to me XXXX XXXX Balance $ XXXX does not belong to me XXXX  Balance $ XXXX does not belong to me XXXX XXXX $ XXXX does not belong to me XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX did not authorize XXXX XXXX XXXX : XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX did not authorize XXXX XXXX Inquiry : XXXX XXXX, XXXX did not authorize XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX did not XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX. XXXX, XXXX did not authorize, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$490000.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$93.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

I applied for the Capital One Spark Miles Business credit card for my business purchases during the XXXX XXXX week. I received the card on Monday XX/XX/2018. I called to activate the card and uploaded my driver license as requested. I called again and was told they will hold my card several days before I can use it! I've never met any credit card company doing this. Capital One is crazy. I have provided everything they need. But they still won't allow me to use the card until after the shopping season?! I heard a lot of bad words about Capital One before. Now I learned it myself.
Product: Debt collection

I paid off a debt I owed XXXX XXXX XXXX years ago for a past due phone bill. Enhanced Recovery has sought to get me to pay this debt on several occasions. They have tried on several occasions to get me to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request filing a complaint with you about this company. This information they they are allegedly stating is over 11 years old. The only answer I am getting is that the the company has verified this is not acceptable! They are also reporting that I made a payment and I have not! Experian has not done their due diligence regarding this matter!
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax Data breach. Attachments below
Product: Credit reporting or other personal consumer reports

I've disputed this credit report error twice. I've even called Best Egg and talked to the fraud department about this particular account. When I call in and insert my info, they can't find me. Once they search for my Social Security Number, they seem to find the account. However, nothing else matches. My name and birthday are not what's on the loan? Best Egg will not remove it from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX XXXX account number XXXX, and XXXX XXXX account number XXXX, XXXX XXXX XXXX accounts XXXX, XXXX, US Dept of EdXXXX account number XXXX, XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX. account number XXXX, and -account number XXXX has violated my right s under Article 15 USC 1681 section 602 ,8 I have a right to privacy and 15USC 1681 section 604a.section 2pPermissible purpose of consumer reports can not furnish my report without my written instructions, and 15 USC code1692c. can not communicate with debtor 's the I was not aware of these debts until I accessed my credit report and dealing with identity theft and being denied housing because of this negative entries on my report I had know knowledge of and I ask credit bureau to remove these items several times and they refunded and didn't to a proper investiga tion.
Product: Credit reporting

I am writing to dispute some scary errors on my credit report. I have written many times, to the XXXX credit reporting agencies about these errors -- eventually legally changing my name, twice, to make it impossible to mistake me with my mother and sister, who shared the same addresses and names. I was born, XXXX XXXX, my mother changed my name by adding her last name, changing it to XXXX XXXX, and presently, my name is XXXX XXXX. I changed my name because my mother and I shared the same name and our accounts where considered one. 

Today, I am writing because it seems Experian believes, my previous name, XXXX XXXX, and my new name, XXXX XXXX, belong to XXXX different people, although the same social is used, and I have provided documentation of the name change. Experian 's record of XXXX XXXX does not match with the report that has my previous name. The XXXX XXXX report does not have the same errors I have disputed in the past, but they do not show my previous names : XXXX XXXX, and XXXX XXXX or include my past addresses:1. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXThe credit report under my previous name, XXXX XXXX, which they sent along with the XXXX XXXX report, has all the incorrect address I have disputed in the past and incorrectly adds a " Spouse or co-applicant : XXXX, which needs to be removed, as I am not married. '' These addresses must be removed from my XXXX XXXX record:XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) 2. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( This address belongs to my sister, XXXX XXXX-I have never lived there ) XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) My phone number is ( XXXX ) XXXX -- the other numbers do not belong to me and must be deleted. 

I need my credit report to connect my XXXX names into XXXX account, so that it does not seem like we are XXXX people, XXXX with errors and the other XXXX missing vital information. I have changed my name, but my information is not different from one name to another, they only change has been to my name.
Product: Debt collection

Sequim Solutions constantly calls from different phone numbers. After advising them they had the wrong number they ramped up the calls. They call at least once every hour from a different number, will not say anything and hang up. These calls start at XXXX and will not end until after XXXX. Anytime I call the number back it will connect with Sequim Solutions but no one ever answers the call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has an account on my Experian Credit Report. I contacted XXXX XXXX XXXX and took them to court. I won in court proven XXXX XXXX XXXX  account is not mind ( all courts docs are included ) Experian will Not remove account. But the Judge/ court and XXXX XXXX XXXX AGREES not mind. Please assist in getting account removed from my credit report.
Product: Mortgage

I fell behind in my FHA mortgage on or around XXXX of XXXX  due to an injury that kept me out of work temporarily. I am planning to return to work shortly but in the interim, I requested a forbearance from my mortgage company, Freedom Mortgage. During the summer of XXXX, I requested to be reviewed for a forbearance. I filled out a loss mitigation packet and my housing counselor submitted it to Freedom Mortgage. On XX/XX/XXXX and again on XX/XX/XXXX, I was informed that I would not be reviewed for any loss mitigation, including a forbearance, due to a gas lien on the property in the amount of {$750.00}. I was not aware of the gas lien and am taking steps to resolve the lien. However, such a lien should not have been an obstacle to my being reviewed for a forbearance.
Product: Credit card or prepaid card

In XXXX, XXXX I opened a credit card account with TD Bank to purchase a XXXX XXXX XXXXXXXX, and make equal installmental payments for XXXX months. 

I, however, paid off the credit card account in XXXX, XXXX. 

On XX/XX/XXXX, I received an email/invoice from XXXX XXXX that I was being charged {$390.00} for my order. I immediately called and emailed XXXX XXXX to clarify that the account was closed and I did not place any order. The company representatives kept transferring my calls and keeping me on hold for over one hour before a lady eventually promised to cancel the charge. 

On XX/XX/XXXX, I got a statement from TD Bank , N.A . Retail Card on the same charge. The following day, I called TD Bank to file dispute number XXXX. I was informed by customer service that a review would be done within 90 days. 

When I called TD Bank at the beginning of XXXX, XXXX, I was informed that the error has been corrected ; the charge reversed, and my closed account will not be charged ever again. I was also told to expect a correspondence to that effect. 

I need assistance because instead of the promised letter correcting the fraudulent charge and permanently closing the account, I received a statement from TD Retail credit card that payment was due XX/XX/XXXX. Kindly help correct this error please.
Product: Debt collection

This account was opened by someone other than me. I have had it gone under investigation and erased from my credit report with XXXX. 
I am asking you to look into this fraudulently opened account- erase it from my credit reports as it was not me whom opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX, 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I used my credit card ( 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) to perform a consumer credit transaction with XXXX XXXX to obtain phone service. In XXXX I was sent a statement which showed billing errors. I addressed the billing errors immediately by sending an Affidavit of Response for Billing Error to XXXX XXXX at XXXX XXXX XXXX XXXX, NY XXXX. On XX/XX/XXXX I received an email from XXXX with XXXX XXXX XXXX  stating, Dear ( xxxxx ), My name is XXXX, and I work in the XXXX XXXX XXXX XXXX. I received your complaint from XXXX XXXX, XXXX XXXX, and wish to speak with you to address your concern. I would first like to apologize for any inconvenience that you may have experienced with our company. I understand from reviewing your Written Complaint that you have a concern about a billing error. I truly appreciate the opportunity to address your concerns, as it helps us become better at what we do. Let me know the best time to contact you, as well as the preferred method of contact. Please do not hesitate to contact me directly at XXXX Extension XXXX, Monday through Friday between the hours of XXXX XXXX XXXX XXXX XXXX est. I look forward to speaking to you soon. Regards, XXXX I responded XX/XX/XXXX, XXXX XXXX to XXXX, Hello XXXX and thank you for your prompt response. I am available by email Monday through Friday between the XXXX XXXX XXXX XXXX XXXX  and phone between XXXX and XXXX XXXX @ xxx-xxx-xxxx. Thank you for your time and consideration regarding this matter. XX/XX/XXXX around XXXX my service was interrupted and my Billing error dispute has not been addressed nor has it been corrected. Now XXXX XXXX has taken adverse action against me for invoking my rights as a consumer. Pursuant 12 CFR 1026.d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. XXXX has paid the Credit Reporting Agencies to publish negative information on my credit reports stating that I owe {$1700.00} on a closed collection account with 1 month terms. As a federally protected consumer I don't owe any debt.
Product: Debt collection

I received a notification on XXXX Credit Bureau of a collection account : Credit Management LP located in XXXX, TX regarding to a bill from XXXX XXXX XXXX of an address I've never lived nor known anyone else lived at. 

I'm reporting Identity theft/fraud. The account isn't mine and I've tried getting proof from the collection agency and they haven't provided. I've contacted XXXX XXXX XXXX Fraud Department and nobody has returned my calls.

I'm currently XXXX XXXX XXXX XXXX  at the moment and live out of state. I will be returning to the area next month to file a police report.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/XXXX. XXXX  with Experian, XXXX, and XXXX to reinvestigate the following account : Account name : XXXX XXXX XXXX ; Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding XXXX unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are XXXX inquiries related to auto loan credit applications that I do not recognize or authorize. 

The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : REGIONAL ACEPTANCE Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. 

Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. 

I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.
Product: Checking or savings account

Had an account at TD Bank NA, XXXX They closed the account on XX/XX/21 and sent the balance without the accrued interest. 

On XX/XX/21 they debited the account for two payments to XXXX XXXX, for {$45.00} & {$40.00} Four days later the closed the account, the money was available in the account as shown on the statement. 

On or about XX/XX/21 they reversed the payment, which should not have. 

They must either send me a check for {$85.00} or make the payment back to XXXX XXXX. 

Tried to resolve by calling and emailing, but got now answer from TD Bank. 

TDBank is stealing and committing fraud.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( 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 instruction of the consumer to whom it relates. I NEVE GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts/inquiries/information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regarding my previous complaint number : XXXX with the CFPB My credit report is reporting multiple false and incorrect facts that don't match up with other agencies.These companies are failing to report maximum accuracy. 
XXXX XXXX XXXX Account Type : Installment Issues with Previous Investigation : I strongly disagree with the outcome of the prior review. The information in question remains inaccurate, incomplete, and injurious to my credit profile. As a result, I am requesting an immediate reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611.

Requested Actions : 1. Remove this account from my credit report as it has not been properly verified.

2. Provide the names and business addresses of each individual or entity with whom you have verified this account so that I may follow up.

3.Send an updated copy of my credit report reflecting the results of your reinvestigation.

I appreciate your prompt attention to this matter and expect a written response confirming the actions taken within 30 days as required by law.

I request the following actions : removal of this account from my credit report and or In accordance with the fair credit reporting act, public law 91-506, title VI, section 611 please provide the names and business addresses of each individual with whom you have verified above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

Gap is reporting obsolete and inaccurate information information information on my credit report such as : Acct # is not the same on all XXXX bureaus High balance-is not the same on all XXXX bureaus Last verified -- is not the same on all XXXX bureaus Date of last activity-is not the same on all XXXX bureaus Date reported- is not the same on all XXXX bureaus Balance owed- is not the same on all XXXX bureaus Creditor remarks- is not the same on all XXXX bureaus Last payment- is not the same on all XXXX bureaus