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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX & XXXX Original creditor XXXX XXXX XXXX : {$260.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$470.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00}, XXXX XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the erronous information about my accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of accounts that are still reporting on my Credit Report and needs to remove completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$1900.00}
Product: Credit card or prepaid card

Back in XXXX of 2022 I realized that charges from XXXX ( there are several 100 's of charges ) were not mine. The problem is that I had already made about {$20000.00} in payments. 

I disputed the charges with Chase, disputes sent me to fraud. Fraud sent me to disputes, this happened several times. There are probably over 50 different call logged with Chase. 

When this all happened I didn't know what was going on, everyone became a suspect I tried to figure out how it happened who did it. I question several of the companies that I worked with but none of them had access to the card. 

I contacted XXXX, they provided an order history from the card. All of the email addresses and IP addresses are bogus. They don't belong to me and I don't know where they came from. 

There is currently {$37000.00} in charges on the card that I didn't authorize. I have done business with Chase for over 10 years and haven't had any problems. My credit score was XXXX and now that Chase has reported this my credit score is XXXX. The credit card had a limit of {$35000.00} the card ran up to {$48000.00}, I called in and had the card deactivated. Still scratching my head as to why Chase didn't let the charges go over the limit and not notify me of suspicious activity like they do on my personal card. 

I am asking that Chase review the fraudulent charges and do the right thing by removing them from my account and restore my credit. I have worked on my credit for the past 25 years and it is very important to me. 

Warm Regards,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXnd would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phoenix Financial Services has an old debt that was incurred back in XXXX. I was XXXX years old at  the time and had my XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX KY. I was under my parents ' medical insurance at the time. We believe the bill was paid by my parent 's insurance. I have sent 2 letters to Phoenix Financial, one in XX/XX/XXXX & one in XX/XX/XXXX to try to get verification of the debt. I also requested that the negative information be removed from my credit report. To date, that has not happened. If they can not verify that I owe this money, I want the negative information removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am exercising my " consumer '' rights under FCRA, FDCPA, XXXX and the XXXX in regards to information being reported by Equifax. 

Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. 
I am " DEMANDING '' removal of any and all CHARGE-OFFS from my " consumer '' reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. The IRS has confirmed that a 1099-c ( discharge of debt ) has been issued for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. According to the law it is ILLEGAL to report transaction history. Pursuant to the PRIVACY ACT OF 1974 and the FCRA XXXX. 

I have continuously disputed these items with Equifax and they have not provided me with the information requested to VERIFY these accounts including ( XXXX ) whom the accounts where verified with, ( XXXX ) the original contract including my wet signature, ( XXXX ) the verification of all " transactions '', and the verification that I in fact a " natural person '' the " consumer '' gave them authorization to report and/or publish this information. 

In addition according to XXXX XXXX XXXX XXXX - XXXX " creditor '' XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. There are a number of late payments included on my " consumer '' report that have been falsly reported and I am " XXXX '' immediate removal of this inaccurate information. Pursuant to XXXX XXXX XXXX XXXX - XXXX liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been concluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XXXX, capital one have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the company is currently reporting to the three credit bureaus that I had applied for credit with their organization. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 
These inquiries put my credit down 40 points. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These are the following INACCURATE inquiries ( Validation is need ASAP ) : CAPITAL ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Capital One Bank Usa TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Capital One TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX
Product: Payday loan

Charged illegal 743 % interest rate. Was n't fully aware of terms until loan had been accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two loans were taken out in XXXX of this year under my name without my authorization or permission. I contacted Moneylion immediately to dispute these loans. Moneylion has not closed the loan accounts and now they are showing up as delinquent and affecting my credit score. I reached out again to Moneylion several times and have not gotten any updates or issues resolved.
Product: Checking or savings account

I get periodically unclaimed property award checks periodically from The Michigan Department of treasury unclaimed property division. XXXX XXXX XXXX XXXX Michigan XXXX : ( XXXX ) XXXX. ( XXXX ) XXXX ( XXXX ) XXXX. The successfully electronically deposits the checks periodically into my Chase Bank account successfully. But immediately as it's deposited it's stolen. After it's stolen it's replaced with a counterfeit check that looks exactly like it but it's a fake. I was spending the money from the fake for almost 3 years until I spotted the fake. I then completely complained. The unclaimed property award check is : State of Michigan PMT/Refund PPP ID : XXXX. XXXX. XXXX {$42.00}. This is how it's read on my bank statements. The original looks exactly the same. But the original deposited is stolen. Please investigate and help me get the original unclaimed property award back again. My bank 's name is Chase Bank. Complains number or customer service number is : XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received an email notice from XXXX on XX/XX/2023, indicating that a credit file inquiry was made by Bank of America. I have a checking account with Bank of America so I assumed it had something to do with that. However, today, XX/XX/2023, I received a letter that looks like it's from Bank of America that states they are " working on your application for the XXXX XXXX  XXXX XXXX card and need to verify the information on your application. '' I NEVER applied for this credit card and believe that it was done fraudulently by someone using my personal information. I just spoke with XXXX who put a fraud alert protection on my credit that will also be shared with XXXX and XXXX. XXXX also said they will remove the disputed inquiry by Bank of America, but informed me that I need to contact XXXX and XXXX separately to ensure that this happens there as well. XXXX also suggested that I file a complaint at FTC.gov, which redirected me here to the CFPB. XXXX provided me with a correct/safe number for Bank of America , so I will contact them today regarding the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to show a delinquent XXXX  account XXXX I have never had a XXXX account XXXX Have contacted XXXX and they have confirmed that my SSN and Telephone # are not in their records, and therefore I have not had an account with them. 
The Experian report shows a former address for me in XXXX XXXX, LA ( this address is associated with the XXXX account XXXX I HAVE NEVER LIVED IN LA. 
The Experian Report also shows an incorrect name for me. Spelling my last name with a first letter of C ( should be G ) See pages 2, 3, 11 of the attached credit report.
Product: Checking or savings account

Chime is fraud as I have multiple claims with the same merchant and one is being charged back and other is not. The same evidence applies and they are not doing a fair investigation as they are frauds. I have 2 claims totaling over {$8700.00} and over {$21000.00}. Ive given them proper and direct evidence from the merchant, even a XXXX of my last activity on the merchants site. They need to fix this now or Ill continue to take any action Necessary
Product: Debt collection

During the month of XX/XX/2019 had several calls from Exeter Finance about account balance being past due for more than 60 days. At the time told them I shoukd only be 30 days because promised an extension from my last payment. Was told that I was only granted a 1 month instead of a two month extension as promised with last payment. Told them my wife was under a garnishment because of the goverment shutdown and I was just getting back to work because I XXXX  XXXX XXXX for my XXXX XXXX and work had just started to pick up. The Representative told me if I made the atleast 2 months payment he will work on getting me a 2 month extension and my next payment will not be until XX/XX/XXXX. The rep took my payment and said thank you and your wife for your service and you should be fine your state you doesnt have any paper work to be signed for an extension. Replied thats great you should have your payment on the XXXX. Now im being told Im 80+days past due no extension is in the system or been noted that I was offered an extension and Im to the max on extension so none will be applied just make your payment and you will be fine. Told the rep will be filing a complaint also they keep reporting it late on my credit report when it was indeed there fault if it couldnt be done then shouldve been told that from the start,
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX 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: Student loan

I have been dealing with XXXX XXXX/Navient for years and consistently receive the " run around '' regarding my payment plan. I have not missed a payment, but am constantly misinformed and receive multiple versions with every phone call. I will attach multiple images will explain the communication process with Navient. I am holding 5 letters, all dated within a week of each other, stating that I owe anywhere from {$0.00} to over {$400.00} ; one is even from a collection agency. This is a common situation with them. I am at a loss as to how to fight them and am confident I'm being charge late fees that do not apply, etc. Thank you for your time and I appreciate any help you may be able to provide.
Product: Credit reporting or other personal consumer reports

dear XXXX this is a self-attestation that I am victim of XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist of a an auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 account XXXX XXXX XXXX XXXX account XXXX XXXX. XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/XXXX TransUnion returned the results of an investigation regarding the payment history and account status for a XXXX XXXX in my credit file. In my original dispute I pointed out the inchoate nature of the alleged payment history, alleged charge-off, and alleged Date of First Delinquency. The results of the investigation provided a new set of payment history, charge-off status, and date of first delinquency that is different, but equally inchoate. I filed CFPB complaint XXXX with TransUnion and CFPB complaint XXXX with XXXX on or around XXXX XX/XX/XXXX. I have disputed with XXXX directly regarding the issue on XXXX Nov 2023, 22 XX/XX/XXXX. TransUnion conduted a reinvestigation and generated results on or around XXXX XX/XX/XXXX. XXXX last conducted a reinvestigation and delivered the results on or around XXXX XX/XX/XXXX. Both XXXX and TransUnion now report the same inchoate payment history, inchoate charge-off remarks, inchoate charge-off status, and inchoate date of first delinquency. XXXX claims they are not responsible in their XXXX XX/XX/XXXX response to CFPB complaint XXXX, " Please understand that XXXX is responsible for providing this information to the credit reporting agencies ; however, the credit reporting agencies have their own policy for reporting the information that is displayed. '' On or around XXXX XX/XX/XXXX XXXX responded o CFPB complaint XXXX, alleged payment history that neither matches the history as reported by XXXX nor XXXX payment history reported by TransUnion. With XXXX and TransUnion having both conducted an investigation that provided a set of rsults, and at least XXXX ( XXXX ) renvestigation from each that provided verbaitim incorrect results, and a different set of results than that of the prior investigation, XXXX and TransUnion know or have reasonable cause to believe the information is false/misleading/inaccurate. It is patently erroneous and does not meet the maximum possible accuracy standard under XXXX XXXX XXXX. At this point the investigation and re ( investigation ) process has demonstrated an inability to generate accurate information for the account/tradeline. Thus I am now asking for relief that removes the payment history for all months in XXXX and XXXX and that XXXX be blocked from providing any additional information for the account/tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries added a hardship and that my rights were violated by TransUnion. Can help you make TransUnion stop victimizing me? As a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

Paid off settlement of XXXX. Contacted company on XXXX to change report on the credit bureaus Was told i needed to wait on the next update. I was also told i did not owe anything anymore.It still shows as account open in my report.it has been 2 months on last call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to CAPITAL ONE for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is XXXX of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is it that I still owe whatever I had owe when you guys process the XXXX XXXX. EXAMPLE : : ; ; ; when SANTANDER reposesed the XXXX XXXX XXXX and after that in 5 days they where going to auction It Off and if it's so for XXXX or XXXX then I'll owe the remains witch would be XXXX ... Santander still and won't take it off my credit report they have it as write off I've been very patient and very crab rave and then even give me my daughters place card back are my other belongings so I had to go to the DMV and get her another placement card cuz they said it was going to be moved somewhere else within those FI 've days it's unfair that they did this me and they also says that I owe {$15000.00} on that car still when I have the paper where it says XXXX but I'm going to find it and I will upload it so that's why I think it's fair for them just to take it off because to report faulty claims on my credit report