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

To begin, I ran my FICA score from my bank. When I agreed to have the bank scan my data for ID monitoring, for the last two years, the report revealed TWO activities linked to my SSN. The report further stated that I should review my name and addresses listed to double check for accuracy. 

Well, someone fraudulently used my SSN to open 3 accounts using my name. In addition to my current address, a second address was listed in the city of XXXX, MO. I had never lived in that city before. Thus, I knew something was wrong. 

Further, for the last two years I have been closely watching my FICA Score because it had gone from over 800 points to below 600 points. I justified the reduced scoring because I had one credit card that had a high balance and took over a year to payoff. Well, now I know that the TRUE reason my FICA Score plummeted two years ago, is because a person got a hold of my SSN and opened 3 accounts under my name and ruined my long-maintained credit score of being in the 800 range. 

The most detrimental account that was fraudulently opened was a XXXX Credit Card with a credit limit of {$3500.00}, opened in XXXX. This person made on time payments for the first 3 months, then made XXXX payments for the next XXXX months. Then the account was maxed out and at 102 % over the limit in the amount of {$3500.00}. The account was closed, a Charge-off was initiated from the Bank. 
I called the XXXX Bank today, XX/XX/XXXX, and the bank confirmed this account was closed. I was transferred 3 times. The last rep informed me that because of the status of this account that I need to talk to someone from their Fraudulent Department. I have to call tomorrow morning since this department was closed. 

The second account that was fraudulently created was an XXXX XXXX XXXX. As of the date of the Monitoring ID Report I requested on XX/XX/XXXX, the balance of the CC was {$0.00} and a credit limit of {$15000.00}. This was not my current XXXX. XXXX card because the beginning accounts numbers did not match mine and this CC was based out of XXXX XXXX, FL, whereas my current CC is based out of XXXX XXXX, CA. 

The third account that I believe is not my personal account is SYNCB/PPC from XXXX, FL. This is an active account ; there were payments received in XXXX and XX/XX/XXXX. The account was opened on XX/XX/XXXX. Highest balance amount was {$1400.00}. 

I will be calling the XXXX and XXXX XXXX , plus the Fraudulent Department XXXX XXXX tomorrow. TODAY, I successfully communicated with Experian, XXXX and XXXX about the identity theft of using my SSN to open the above mentioned 3 accounts plus the damage to my FICA Score and the incorrect address from XXXX, MO. I did receive a file number from XXXX and XXXX. All three of these credit agencies want me to mail and/or email the FTC Report to them once I complete this process with you. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submititng this CFPB Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I need the following accounts investigated and removed from my Credeit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Bankruptcy Reference # XXXX. I request that you verify the aforementioned accounts. If the information can not be substantiated as 100 % accurate, I respectfully request that you remove them from my credit report immediately. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Money transfer, virtual currency, or money service

One week ago, I applied and was approved for a {$5000.00} payroll business loan through XXXX by PayPal. I requested the funds to be wire transferred to a third party bank, XXXX XXXX Bank, due to my bank, XXXX XXXX XXXX, uses this third party to receive the funds. I provided the document that has specific instructions for the transfer to the Account XXXX XXXX, XXXX XXXX XXXX He informed me that he can not perform it and that I will need to do it myself via PayPal app. I put XXXX information where appropriate. I chose to have it within XXXX hours. Everyday since, nobody has seen the transfer. Not XXXX nor XXXX. PayPal keeps saying they don't know where the money went and that it must have been something I did incorrectly. I have asked twice to show me proof that it left PayPal 's account and went anywhere. Not only have they not provided any evidence but they will not comment on showing proof. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested an investigation into several accounts reporting on my credit file with Transunion. I asked that they validate the accounts as well as send me their method of verification documentation. On XX/XX/20 I received a letter from them validating all accounts but no documentation to show how they properly verified these accounts. I sent a second letter on XX/XX/20 asking them to please send whatever documentation they used to verify the accounts but on XX/XX/20 I received another letter only verifying the accounts again, still no documentation or anything in writing validating the accounts, such as a contract between myself and the debt collector. I sent a third and final letter on XX/XX/20 asking again for the documentation I am entitled to receive per rules set by FCRA 611 ( a ) ( 2 ) ( B ) and as of XX/XX/20 I have not received any documentation.
Product: Mortgage

I spoke with my mortgage assistance counselors as US Bank the loan servicer for XXXX XXXX I was informed that help was available to help me get caught up on missed payments. 

I applied as required and was given only XXXX option an increased payment of over 300 % of my original payment of around {$730.00} this creates a tremendous strain/hardship I want and will be paying what is owed I just want to be able to do so and still keep my home. 

I can and want to make higher payments to get caught up but 300 % is a tremendous burden if not impossible. 
I just want some reasonable help to keep my house I've been paying on faithfully for over XXXX. 

Very Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a fraud alert from all three credit bureaus. Im not understanding how they are letting fraudulent inquiries repeatedly post in my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am responsible for this one and it should only be showing once. 
XXXX. XXXX XXXX XXXX. XXXX XXXX I am not utilizing any of these institutions and has never conducted any business with them.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit card

After making what I thought was a payment in full of my monthly Sychrony Bank XXXX XXXX credit card, which I have through Sam 's Club, I was surprised to find that only the minimum payment had been processed. I knew that this was a mistake, perhaps on my part. So I went back to the website to make the remaining payment. What I discovered through experimentation was that the Synchrony Bank payment site is slamming customers by changing their intended payment amount. It works like this : Once you choose an amount to pay, the next option on the page is the payment date. If the user chooses to pay early or change the payment date to any date but the pre-select due date, the system will change the date and, then will also change the amount paid to the minimum payment. As a result, unless the user is very vigilant, they are making the minimum payment instead of the intended full payment. Obviously, this will generate interest income for Synchrony Bank if the user does not notice the problem before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 0n XX/XX/2023 to update this suspicious information. I think you have not validated these accounts This was already included in my prior complaint, and I'm including it again. 
Please investigate the accounts below : XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}
Product: Checking or savings account

I've had a checking account with Wells Fargo for over 10 years. On XX/XX/XXXX, while on vacation in XXXX, I received an email from Wells Fargo that they had detected some unusual activity on my Wells Fargo Debit Card ending in XXXX. At this time, I also received an email alert that someone had changed my password and changed the phone number associated with my account. I did not make these changes. 

I immediately contacted Wells Fargo and they assisted me in closing my account, canceling my debit card, and filing a claim for the following fraudulent transactions made in California : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA {$1000.00} XX/XX/XXXX ATM Transaction XXXX XXXX XXXX CA {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX {$250.00} Wells Fargo issued me a new debit card and a new account number ( ending in XXXX ). On XX/XX/XXXX and XXXX, I received alerts of two new charges on this new account, even though I had not yet received my new debit card in the mail. I immediately called Wells Fargo again and was told that my original claim had been closed ( reference number : XXXX ) as they had determined I had made those transactions myself. As I did not make these transactions, was not in the state at the time, hadn't lost my debit card, or changed my account information, I informed them that I had not made those transactions and refiled a claim ( reference number : XXXX ) as well as a complaint. 

On XX/XX/XXXX, I contacted Wells Fargo again as I hadn't received any updates about the resolution of my claim or complaint, and I was then again told my claim had been closed. Wells Fargo had credited my account for the amount of the two new charges from XX/XX/XXXX and XX/XX/XXXX ( totaling {$63.00} ) but had denied my claim for the fraudulent transactions on XX/XX/XXXX ( totaling {$2200.00} ). 

At this time, I filed an additional complaint with Wells Fargo ( reference number : XXXX ) and was told that were no other avenues for me to take to recover the {$2200.00}. Throughout the duration of XXXX XXXX XXXX, I did not lose my debit card, share my PIN with anyone, or make the transactions outlined here and I would like {$2200.00} restored to my account.
Product: Credit card or prepaid card

I recently applied for a shell rewards credit card which Citibank requested a copy of my credit report from XXXX I received a letter stating I was denied due too an account in default with lender or affiliate with lender, I do not have any account in default with Citibank the only card that I recall having affiliated with Citibank would be a Macys department store card which was included in my bankruptcy which was discharged XX/XX/2018 I called Macys at the time too reaffirm this account because I did not wanted included in my bankruptcy but was told just too reapply. I dont understand why I was denied for this shell rewards credit card? My XXXX credit report has no negative accounts aside from one public record of my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent True accord received a cease and desist letter from me instructing them to cease all communication with me which includes emails, letters, phone calls etc..I also sent them an invoice for {$3000.00} for 3 Fair Debt Collections Practices Act violations. On XX/XX/2023 at XXXX True accord contacted me after they had received my cease and desist which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

They contacted me for a reason outside of these 3 reasons which is a violation also.
Product: Debt collection

I was a victim of idenity theft, I also sent letters to XXXX notifying this of this and also asking for clarity about this alledged debt. They have now gave this acoount to another agency Jefferson Capital System, which now they are reporting erroneous informaton on my consumer report.
Product: Credit card or prepaid card

In XX/XX/XXXX, fraudulent charges appeared on my Bank of America Credit Card. I immediately notified BOA and they were able to resolve the matter. It was charges in the amount of over $ XXXX in a foreign country. That credit card account was closed and BOA issued me a new credit card. Then in XX/XX/XXXX, the same charges appeared once again, but on my new credit card account. I phoned BOA and spoke at length with an associate and was assured that it would be corrected. By XX/XX/XXXX, the fraudulent charges were still showing so I phoned once again and was again told by the associate that it was corrected. On XX/XX/XXXX, the charges still appeared on my account so I phoned BOA again. I was told it was a " system error '' and the associate said she resolved it it my favor and it would be showing as such in a few days. That did not happen. Thinking that BOA might be short staffed, I decided to wait until after the holidays and I phoned today, XX/XX/XXXX. I spoke to an associate ( XXXX from XXXX  ), at length who told me he was going to open a claim. Open?? What happened to the other attempts at correcting this? He could not give me an answer. So XXXX took all of my information ( again ) and stated that he was going to submit it to BOA 's research department. He said this will take 45 days. He said he relayed my information to his manager and she will request that someone from the research department reach out to me. 
Today was my fourth call to BOA in an attempt to try to resolve this mess. In the meantime, because of the almost $ XXXX in fraudulent charges, BOA is demanding a large monthly payment due on this fraudulent amount. I do have a small balance that I am responsible for and am making more than the sufficient amnt. of payment for that but I should not, and will not, pay payments for the fraudulent charges on there due to a banking error that BOA can not seem to correct. As a result, my on line banking statement is saying that my payment is " past due ''. Now my real concern is that this many affect my good credit that I have had for years ( I'm XXXX ). 
My hope is that someone at your agency can help, or at least have some suggestion ( s ) as to what I can do about this. I feel like I have exhausted my resources. BOA said there is no one else who can help me, so I hope you can. I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received an alert from my credit monitoring service that a hard inquiry from XXXX XXXX XXXX  came through. I had not authorized any credit pull, nor had I applied for any credit anywhere. I immediately contacted Transunion and was advised to file a police report and contact XXXX XXXX XXXX, which I did. After confirming my identity and researching it, XXXXXXXX XXXX confirmed that someone tried to use my information to obtain credit. The application was actually still in their processing department, but they wouldn't release any other info ( like a phone number or email address used ). But they stated they would alert Transunion that the inquiry was not authorized. On follow up, XXXX confirmed the necessary info was sent to Transunion and the inquiry should be removed. 

That was almost 5 months ago and the inquiry is still there. I filed a police report and provided the report number. Transunion is claiming I need to submit additional information and that XXXX has to submit additional information. XXXX claims they have sent Transunion the proper documentation. 

This is totally unacceptable. The company has advised Transunion that the credit inquiry was not authorized, I have told Transunion the credit inquiry was not authorized, and I sent them a police report confirming once again that the credit inquiry was not authorized. If there is no authorization from me or the creditor, how can Transunion continue to report this inaccurate information that is negatively impacting MY CREDIT SCORE. 

Transunion is the only credit bureau reporting this hard pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX Account # : XXXX TransUnion XXXX XXXX Account # : XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX According to the irs publication the lender must file form 1099-c and send a copy to you if the amount of debt is more than 600 dollars. If the charge off is over 600 dollars is reporting to your consumer report they are commiting tax fraud.
Product: Credit card

Someone opened an account in my maiden name with my social security number in 2005. 
I am now getting collection calls in reference to this account. This account does not appear on my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account EQUIFAX - XXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/2022 GXXXX XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/ XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX  Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX - XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm a Victim of fraud, my identity was exposed on the XXXX  web, from the XXXX XXXX XXXX breach and the TransUnion data breach. I demand this account be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 
Statement of Pertinent Facts : On XX/XX/XXXX case # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided Equifax 's with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Additional evidence linking me to a data breach. 
Despite this, Equifax 's failed to block the disputed items within the XXXX business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. Equifax 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings. 
Legal Basis for Complaint : XXXX. Non-Compliance with FCRA 605B : Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within XXXX business days after receiving proper documentation. Equifax 's refusal to comply with this requirement constitutes a direct violation of federal law. 
XXXX. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) : Equifax 's failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 
XXXX. Precedent Case Law : o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 
o XXXX XXXX Bank XXXX New York, XXXX XXXX XXXX. XXXX ( E.D.N.Y. XXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 
Summary of Noncompliance and Violations : Equifax 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, Equifax 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.