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

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You { XXXX XXXX XXXX } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal 152 action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no 34 permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to XXXX Aggravated Identity Theft pursuant to 18 .S. G. d028 And cotchave knowingly conransfersad, possessed, or used, without consent
Product: Debt collection

TRANSWORLD SYSTEMS  reported an account as open and past due on my credit report after bankruptcy case  XXXX  was  discharged .
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to close investigations claiming the information was verified and accurate. My XXXX  loan was consolidated and PAID IN FULL on XX/XX/2021. This dispute was opened on XX/XX/2021. Experian is violating their obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get a medical bill for {$1000.00}. Doctor office when I contact XXXX they tell me not. That my balance is {$230.00} after insurance. I send FIRST FED CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The information of XXXX. They still want me to pay {$1000.00} to remove this account from my credit report. I tell the I will happy to pay the {$230.00} that I owe. They say no. I dispute thru credit report agencies they say the collection company want all {$1000.00}. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries on my credit report from Syncb/Lowes on XX/XX/XXXX Syncb on XX/XX/XXXX and Syncb on XX/XX/XXXX. 
I have not made any of those requests of any kind of credit from this company I have disputed with them before and they did nothing I believe it may have my Ex boyfriend who has my information or someone else I can only be certain that its not me. I would like you to have these inquiries removed from my credit report.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was alarmed to find an unauthorized inquiry that I did not recognize. I review my credit report regularly, yet this time, out of nowhere, I saw something that should not be there. I even attempted refreshing my browser in case it was a system error, but the issue persisted. This is beyond frustrating, and I want this matter resolved immediately. Please go over the documents I have sent carefully so I can finally put this nightmare behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.
Product: Checking or savings account

I have a business account. I experienced 2 fraudulent transactions in XX/XX/year>. I let Chase be aware of this. I then experienced 1 more Fraudulent transaction in XX/XX/year> and today, XX/XX/year>, I am currently looking at a non authorized pending ACH withdrawal for {$45000.00}. I have contacted Chase every single time. I check my statement daily. Every time fraud has occurred, I have called Chase and let them know. 

In addition to experiencing fraud, My Consumer Profile with Chase has been altered without my consent. They were able to change my phone number to a XXXX area code number that I am not associated with in any way. I personally spoke to a banker who changed the number back to me and now today again as of XXXX at XXXX, the XXXX number is back. I have wasted over 30+ hours dealing with all this. Chase has yet to have Fraud Prevention Team stop all this from happening. I even went out of my way to get a new account number with individual transactions that have to be confirmed personally by me. 

What bothers me the most is that on all the checks, my business was called for approval/authorization, we DENIED approval and Chase still cashed the checks. 

I can't even change my own profile online yet the people who are committing fraud are able to. I have attached a screenshot.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were not authorized by me. As such, they must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Quicken Loans called me numerous times after telling them we are not interested in refinancing and kept harrasing us about refinancing with them. Then got an alert that they ran a hard inquiry on my credit report without my permission.
Product: Money transfer, virtual currency, or money service

ROBINHOOD UNAUTHORIZED TRADE ON XX/XX/XXXX To Whom It May Concern : After many unsuccessful months of trying to resolve my issue with Robinhood I finally contacted XXXX XXXX, a well known financial advisor on our local TV station. 

She recently replied to my question and I am now taking her advice and contacting Robinhood, again, the XXXX and the XXXX XXXX XXXX XXXX. 

Today, XX/XX/XXXX I just tried to file a dispute with Robinhood with the instructions that XXXX XXXX sent me, XXXX XXXX XXXX  it said that this page was not found. Another dead end. 

On XX/XX/XXXX sent {$1000.00} to Robinhood. On XX/XX/XXXX I purchased XXXX shares of XXXX stock at {$250.00} a share for a total of {$750.00}. On XX/XX/XXXX XXXX had a XXXX split. My unauthorized trade occurred on XX/XX/XXXX, XXXX shares at {$130.00} for a total of {$1600.00}. I never received the money from that sale and looking at my account history there is no mention of where that money is. I also bought XXXX shares of XXXX and Robinhood still holds that stock Below is an account of what transpired : On XX/XX/XXXX at XXXXXXXX XXXX  XXXX, in the presence of a good friend, I called Robinhood and spoke with Customer Service Agent, XXXX XXXX. I told him that I wanted a statement sent to my home and also wanted to transfer my account. He told me that I would need to change my password. I didnt want to do it but he insisted. 

After I changed the XXXX I received a notice on my phone of a trade of my XXXX stock. I told him I hadnt authorized this and he needed to cancel this trade immediately. He said he couldnt. I asked to speak to his manager and was disconnected. I tried to call back but the number was blocked. 

My friend called on her phone at XXXX XXXX  XXXX and was able to speak to XXXX XXXX. She asked XXXX XXXX to transfer her to a manager. XXXX made the transfer. She waited XXXX minutes and then was also disconnected. When she tried to call back she was also blocked. 

After this I went home and tried to file a complaint with XXXX at XXXX and the XXXX. I never received a response. I also never requested the money from the XXXX XXXX XXXX as I wanted to have them reinstate the unathorized trade and was waiting to see how I could talk to an actual person. 

Thank you for your assistance in this matter. 

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

I disputed all late fees and interest charge for XXXX XXXX  XXXX by Barclays US which was reversed back in XXXX and my account had overpayment of {$75.00} balance ( surplus ), which they sent me check for later. BR/Barclays US put a delinquency/late payment history on my credit report and did not remove it. I disputed the report with XXXX and upon providing screenshot and uploading the statement records showing that all fees have been reversed as such the report need to be corrected. However, XXXX still did not remove or correct the delinquency, despite disputing multiple times, and as per their statements, XXXX XXXX refuse fix or correct the delinquency/late payment history, provided that all fees has been reversed. I have contacted Barclays customer service line in XX/XX/XXXX, XX/XX/XXXX to fix these and again XX/XX/XXXX XXXX EST to XXXX EST to inform them of the issues. However, they refused to help or resolve these issues. XXXX the account manager refused to even answer/admit fees were reversed, and when I pressed him further he did so unwillingly. Then, I requested his title and his name correctly, he refused to provide those information and then put me on SILENT and eventually hanged up thereafter. This seems to be a new pandemic systematic tactic being used by Credit Card company to adversely undermine consumer credit scores and then charge higher interest rates and late fees on the account. Upon doing so, they make it nearly impossible to difficult to fix or correct the problem causing severe XXXX, XXXX and mental health issue. 

I called XXXX XX/XX/XXXX at XXXX XXXX EST. spoke to experian rep XXXX and as per our conversation, the rep stated that BARCLAYS BANK continue to provide them with the old information and not the most current which showed or shows statement of all fees being reversed. The rep also went further stating that BARCLAYS BANK has done this several times upon disputes and she will once again put in another dispute with Barclays to fix this issue. 

XXXX STATEMENT : Report Number XXXX XXXX XXXX REP XXXX .... 

We are responding to your request to verify item ( s ) on your personal credit report. We have previously processed this dispute and the credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, address, and phone number ( if available ), of the credit grantor who verified this information.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Product: Credit reporting

I have contacted Equifax by phone and by mail several times now since getting a judgement against them. Please see the two letters attached. 1 is what I sent them and 2 is what they sent me back. I think words like negligence come to mind based upon their response. They seem to think I 'm disputing a judgement on my credit report when in fact I am tryting to collect on XXXX that they owe for {$620.00} to me.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an an account that was not reporting accurately. I had late payments that I was in fact paid on time the consumer report agencies need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of to this complaint on the following dates XX/XX/23. I am now request you investigate and provide verifiable proof with record showing that I had late. If this information can not be verified I request these payments be updated to paid on time immediately as this is affecting my credit, and I have always been on time.Thank you for your understanding and prompt actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION TODAY SAID I CAN NOT HAVE ACCESS TO ONLINE SERVICE DUE TO INABILITY TO GENERATE SECURITY QUESTIONS TO ID ME ... THIS IS THEIR OWN COMPUTER GLITCH AS MY CREDIT HISTORY IS EXTENSIVE. 
THERFOR I OFFER THE FOLLOWING : XXXX XXXX ACCOUNT NUMBER XXXX SHOWS A 30 DAY LATE ON XX/XX/2014.THE PROBLEM AT THE THE TIME I RECALL IS THAT MY PAYMENT WAS MISAPPLIED TO ANOTHERS ACCOUNT.THIS DISCOVERY TOOK SOME TIME.I HAVE NEVER BEEN LATE ON ANYTHING AND HAVE BEEN A GREAT CUSTOMER AND FAN OF XXXX  AND WOULD APPRECIATE AN NA OR ND ON THAT LATE DATE OR SOME OTHER SOLUTION. 
XXXX XXXX, ACCOUNT NUMBER XXXX HAS MORE THAN 10 LATES THAT WERE CAUSED BY THE CREDITORS FRAUD. 
AT THE TIME OF AROUND XX/XX/2014 I WAS TOLD THAT IN ORDER TO QUALIFY FOR A RECAST OR REFI, WITH REDUCED WRITTEN DOWN PRINCIPAL AND RATE, THAT I WOULD HAVE TO DEFAULT AND THAT THE PROCESS WOULD TAKE A YEAR.AT DECLINE I PAID XXXX TO CURE.I WAS SCAMMED AND NOW HELD ACCOUNTABLE FOR LATES CAUSED BY THEIR CLEAR DIRECT MISINFORMATION.I WOULD LIKE THIS ACCOUNT TO BE DELETED FROM ALL CREDIT BUREAUS EVERYWHERE.
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, TransUnion, block the fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint.

The following fraudulent accounts and inquiries have been identified as the result of identity theft and fraud : Credit Card Account - XXXX Date Opened : XX/XX/XXXX Fraudulent Amount : {$2800.00} Line of Credit XXXX XXXX XXXX Date Opened : XX/XX/XXXX Fraudulent Amount : {$2700.00} Installment Sales Contract XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Fraudulent Amount : {$2500.00} Credit Card XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Fraudulent Amount : {$1300.00} Personal Loan - XXXX XXXX Date Opened : XX/XX/XXXX Fraudulent Amount : {$1000.00} Credit Card XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Fraudulent Amount : {$520.00} Credit Card XXXX XXXXXXXX XXXX XXXXXXXX Credit Date Opened : XX/XX/XXXX Fraudulent Amount : {$420.00} Personal Loan - XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Fraudulent Amount : {$1000.00} Credit Card - XXXX XXXX Date Opened : XX/XX/XXXX Fraudulent Amount : {$910.00} The fraudulent accounts have also resulted in unauthorized hard inquiries on my credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached the following documents in support of my claim : FTC Identity Theft Reports Numbers : XXXX XXXX XXXX I do not recognize or acknowledge any of the above-listed accounts, collections, or hard inquiries as being initiated by me. These fraudulent entries are the direct result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Had Multiple occasions where credit karma has told me I would have a 90 % or better approval for credit card and applied just to have a hard pull and be denied once on XX/XX/XXXX for a XXXX  XXXX XXXX  and on XX/XX/XXXX for XXXX  XXXX card another for XXXX XXXX on XX/XX/XXXX another for XXXX XXXX XXXX on XX/XX/XXXX and another for XXXX XXXX XXXX on XXXX XXXX XXXX all credit karma pushed and assured me I would have a " excellent '' approval chance just to have a hard pull that I've had to recover and work to right in my credit report
Product: Credit reporting or other personal consumer reports

I've provided several letters outlining incorrect information on my credit report, Transunion and XXXX refuse to investigate properly and remove the incorrect information. 

XXXX XXXX  XXXX Disputed Information : Balance : The balance reported on this account is inaccurate. The balance reported on this account shows {$2300.00}. This account was charged off in XXXX of XXXX. The balance should show XXXX and not updated as of XX/XX/XXXX XXXX XXXX : The credit limit reporting for this account is also incorrect. The correct credit limit should show XXXX because this is not an open account this account was charged off in XXXX of XXXX Last Payment Date and Payment History : The last payment date is XX/XX/XXXX, which is incorrect because the payment summary shows XX/XX/XXXX. 

XXXX Disputed Information : Credit Limit and Balance Information : The credit limit reporting for this account is showing {$790.00}. The correct credit limit should show XXXX because this is not an open account this account was charged off in XX/XX/XXXX. The highest balance is showing {$1500.00} which is more than the reporting credit limit. This should also show XXXXLast Payment Date and Payment History : The last payment date is XX/XX/XXXX, but the payment summary shows XX/XX/XXXX as charged off and shows nothing else XXXX XXXX XXXX  Disputed Information : Credit Limit and Balance information : The credit limit reporting for this account is showing {$700.00}. The correct credit limit should show XXXX because this is not an open account. This account was charged off in XX/XX/XXXX. It also shows highest balance {$1200.00} which is more than the reporting credit limit. Last Payment Date and Payment History : The last payment date shows XX/XX/XXXX, but the payment summary shows charged off as of XX/XX/XXXX and shows nothing else
Product: Money transfer, virtual currency, or money service

From XXXX XX/XX/2019 up until today I was scammed for more than XXXX using cashapp
Product: Credit reporting or other personal consumer reports

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed.

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights.

Thank you for your prompt attention to this serious matter.
Product: Credit card or prepaid card

Purchased a {$300.00} gift card on the night of XX/XX/XXXX, the next day, all the funds were gone and they said a purchase was done for it for a name I can not recall that contained the word card in it. The card never left my kitchen counter and was never even opened to reveal the card number.