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

I am writing to formally dispute the fraudulent account that has been inaccurately reported on my credit report. I have thoroughly reviewed my credit report and found an account that I did not open and have no knowledge of. This account is negatively affecting my credit score and does not belong to me.

I am a victim of identity theft, and this fraudulent account was opened without my knowledge or consent. In support of my dispute, I am enclosing the copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the XXXX accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX  : {$260.00} XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX  : {$360.00} XXXX XXXX XXXX  : {$920.00} XXXX XXXX XXXX  : {$430.00} XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX : {$180.00}
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX To : Continental Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit file I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy o
f the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 
Email Me XXXX XXXX XXXXXXXX ) OR send to the address above. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : a. FTC Identity Theft Report b. Proof Of Identity c. Notice Of Furnishers Of Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I talk to experian about a public record chapter XXXX on my credit file they say they got it from XXXX XXXX I talk to XXXX XXXX  XXXX they told me they dont have no records I disputed to experian like 4 times an they come back sayin verify by XXXX XXXX is a Lye I have prove am really tired of this this is causing money paying more interest for Everything hard life because of the error report false innacurate Information
Product: Money transfer, virtual currency, or money service

Won't let me link my acct, for a transfer to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the accounts below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

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

My name listed is correct, however, the AKA or Previously known as, is INCORRECT, It states a name of XXXX XXXX XXXX of which I have never used or known by. 

Shows my current employer as XXXX XXXX Mortgage. I have not been there in several years. I worked at XXXX from XX/XX/XXXX until XX/XX/XXXX as sales representative. Current employer is XXXX XXXX XXXX, XXXX began in XX/XX/XXXX to current as a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to remove inquiries from companies that have no record of me ever applying for a credit line with them. They requested a deletion letter from these companies but they have no letter to send to me because I am not in their system having ever applied.
Product: Money transfer, virtual currency, or money service

I have been a customer of MoneyGram for more than XXXX and on XX/XX/XXXX of 2023 I sent money to my Mother for medical needs via MoneyGram and this type transaction normally take about 5minutes for the receiver to obtain their money but today is XX/XX/XXXX of 2023 and the receiver ( XXXX XXXX XXXX XXXX ) still has not obtain the money ( {$2000.00} ). 
I called MoneyGram and they have not gave me a solution to this issue. 

I have been working really hard to save that money and send it to my mother because she needs it for medical expenses. 

I need my money back so i can send it another way because she needs it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICITM OF AN IDENTITY THEFT, AND NUMEROUS TIMES I HAVE REACHED OUT TO BANK OF AMERICA AND TO XXXX  TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE CHARGES ON THE CARD ARE FRAUDULENT, THE ACCOUNT WAS OPENED WITHOUT MY CONSENT. JUST BECAUSE THEY ARE BIG CORPORATIONS, THEY ALSO HAVE TO UNDERSTAND THAT I AM VICTIM AND I SHOULD NOT BE PENALYZED EVEN MORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : LVNV FUNDING LLC AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX - AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
Product: Mortgage

I purchased my home in XX/XX/XXXX and it is now XXXX and my mortgage statement is still showing I have 29 more years to pay off my mortgage. In XXXX I file a XXXX  XXXX due to job lose, but I was still paying my monthly mortgage payment with XXXX XXXX. My mortgage was later purchased my XXXX XXXX in XXXX that reset my mortgage again to 30 years some years later after questioning them, the service of my mortgage was purchased by Rushmore mortgage again being reset to 30 years. I purchased my home for $ XXXX and my balance as of today is $ XXXX. These have refused to report my mortgage to any credit bureaus, I know that I'm being rip off. I know my house should just about be paid off and I had one remod during my bankruptcy but never had a refinance done.
Product: Mortgage

I submitted a previous complaint about two weeks ago Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX I am continue to have problems with bayview mortgage company asking me the same paper work I have already submitted. For example they want a copy of the deed with my name. I have already given them the information that states I am the executor over the estate
Product: Credit reporting or other personal consumer reports

Fraudulent account on my credit file. Please remove from credit file.
Product: Credit card or prepaid card

I was charged for a cash advance before XXXX and Discover can not till me when it was authorized because they can only go back 7 years. This account has accrued interest 28.99 % to a balance of XXXX. They have shown a cash advance balance of XXXX in XX/XX/2011 they said that's as far as they can go back. I never had a cash advance during the past years I have made purchases but no cash advance. Now the company tells me my balance of XXXX is related to a cash advance and high interest of 28.99 % for a cash advance that I never made no purchases included. I have spoke to them several times in the past 140 days and also the fraud department twice with no resolution and they cant show me where the cash advance came from because they stated that they can only go back 7 years. I spoke with them again today and spoke with XXXX in Ohio and she would not give me her id number. Please help with this. In reality there will be no way I can pay this amount.
Product: Credit card or prepaid card

I got an email from Bank of America to confirm my email address. I haven't contacted the bank before so I called them. It turned out that someone has set up a bank account with them and applied for a credit card under my name using my address, social security number, but their own phone number. 
I have requested for them to mark it as fraud and close the account. 
I also have frozen my credit with all the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I want to make it clear that this message is sent independently and not on behalf of any third party. Recently, I conducted a thorough examination of my credit report, and I was deeply concerned to find unverifiable, invalidated, inaccurate, and questionable entries. It appears that your agency, responsible for ensuring the accuracy of consumer reports, has not fulfilled its duty to ensure the complete accuracy of the information it reports.

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to implement reasonable procedures to ensure the highest level of accuracy regarding individuals ' information in the consumer reports they generate. 

As a consumer, I am entitled by law to a credit report that is 100 % accurate. I have been requesting that the credit reporting agencies review my disputes and update my reports accordingly. Please take the necessary steps to update and remove the accounts and items listed in the dispute letters attached. Thank you for your prompt attention to this matter.
Product: Debt collection

SKO Brennar American - collection letter rec 'd - phone XXXX XXXX XXXX XXXX, NY XXXXXXXXSent to XXXX XXXX XXXX XXXX FL XXXXTel XXXX # XXXX - they refuse to give me original creditors information and has threatened to report this onto my credit report unless I pay. 

Dear SKO Brennan American, I never rec 'd trial offer from your client. In addition when I called you to discuss the collection letter I received - your representative refused to provide me with your clients information. I feel that I am being extorted and have reported this incident to FTC. I do not want to fall victim to any fictitious claims and feel as if this is one that qualifies.
Product: Credit card or prepaid card

I have a Macys credit card, purchased an item online, returned item in store. Refund was never made and account was reported as delinquent. Contacted Macys for refund, which was done but reporting on my credit was never removed
Product: Credit card

I was in the process of purchasing a home and needed to clear out credit card balances. My bank sent a check directly to Comenity bank Childrens Place to pay off my balance. The check was mailed out around XX/XX/XXXX. My bank has confirmed the check was endorsed by Comenity on the XXXX of XXXX. I have called customer service multiple times and continue to get the run around. I finally was able to file a dispute with them on XX/XX/2023 and they requested for me to submit proof. I sent a copy of the check and the endorsed copy. My bank also sent the same thing via USPS. Its been over XXXX weeks that I have tried to get a response from them as I submitted proof and continue to just get automated responses that they will need to investigate. Not sure what else they need to investigate when they received {$360.00} payment and never applied it to my account. I am really frustrated about this situation, i keep getting phone calls to make a payment as I am late on a payment, however they received my money and if it would have been applied to my account my balance would be {$0.00} right now. I need help as their customer service dept isnt helpful. I even filed a complaint with XXXX  which provided your website.
Product: Credit card

To Whom It May Concern, In XXXX I signed up for an AAdvantage Aviator Red Mastercard. It was to be mailed to me but I never received it. Someone intercepted my mail and used the card for XXXX charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX C {$16.00} I received an email notice about the charges and I immediately called the credit card company to let them know that I never received my card and that this was fraud. I spoke with the fraud department and they immediately canceled the card, reversed the charges, and sent me a new card. You will see this reflected in the XXXX attached statement. 

In XXXX I used my new card for XXXX purchase - you will see that reflected in the XXXX statement where the old charges were still not appearing. 

In XXXX, suddenly the charges reappeared on my new credit card account again. I again immediately called and spoke to another member of the fraud department and they said that they decided that it was not fraud and are charging me for the purchases I did not make. You will see this and the {$150.00} interest charge they're suddenly charging for this purchase ( which by law shouldn't be happening during an investigation ). 

I reported again that I didn't have the card in my possession. They said they texted and emailed me about the charges at the time of purchase and they were approved. I informed them this must be identity theft because I never received any such email/text notices ( and I have received other notices from them which is why this is very suspect ). What is most concerning is that someone was able to open an account with my personal information which is terrifying. I've since changed all of my passwords online and bank cards etc to address this possible identity theft, and they said they'd issue another fraud investigation and get back to me in 30 days. 

I paid off the charge that I made in XXXX with the new card, but refuse to pay anything to do with the fraudulent charges from the old card that was never in my possession. It's now been over 30 days, and the charges are still on my account and somehow accruing interest, and I've received no information or contact from them in any form. 

I do have a case claim number they gave me and I've simply been told my case is " pending '' - XXXX Please help me remove these fraudulent charges and get this Barclaycard company to be responsible to their customers and for their internal inadequacies. I'm not sure what else to do but this is quite a large sum of money that I don't have and I need to resolve it. I pay all of my credit cards on time and have never had any issues like this with any other credit card companies. I'm not sure what else to do. 

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

XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to XXXX  dispute file # XXXX XX/XX/XXXX online protest to Experian dispute # XXXX XXXX  unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to XXXX  or Experian to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at XXXX. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/2024 and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts ( XXXX XXXX ), ( XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are reporting inaccuracies
Product: Credit card or prepaid card

I have a balance with 0 % APR that expires XXXX. The same card has a balance at 10.24 % APR. On XXXX I contacted Bank of America to inquire as to how they would apply extra payments I sent. They informed me that they would apply the minimum payments to the 0 % balance but that any additional payments would be applied to the higher balance. I told them that my understanding was that in the last two billing cycles of a promotional rate, they were required to apply my additional payments to the promotional balance. They insisted that they had no idea what I was talking about. I spoke to a representative and the floor supervisor. They had never heard of the law that governed how they applied my payments or the requirements for how promotional balances were treated. They told me they would apply the payments as listed in my statement : minimum to the 0 % balance then any additional to the higher APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest 01 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  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 card or prepaid card

In XXXX XXXX XXXX we switched banks from XXXX XXXX  to XXXX XXXX. Target card was set on autopay on XXXX XXXX and when the payment was processed it did not go through they contacted us and we updated it in their system and setup autopay coming out of XXXX. 

4 months later I received an alert from my credit monitoring system saying target had submitted a 30 day late to the bureau. I contacted Target and paid the amount in full and asked why autopay was not setup and they were going to fix it and submit for review to remove from bureau. 

30 days later we have no resolution. They are saying that they send our statements that show when a payment is due which I understand but they never attempted via email, phone or mail to let me know that any payment was past due. I have had that account for years and I had perfect credit I always pay my bills and have never once had a late payment with any provider. 

They said that they should send out notification the day after a payment is not posted on the due date to let you know that a payment is due and this NEVER happened. From XXXX on we have never received notification of late payment and are disputing their practices. They have been rude and hung up on us multiple times during the review process.
Product: Mortgage

My PMI has increased by 40 % with no explanation. My home has increased in value to XXXX plus. I owe XXXX. They can not explain why I have PMI or why it has increased by 40 % +. From XXXX to XXXX. I want a refund of the PMI plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a 609 verification, requesting the original contract of all accounts. I sent a certified letter to this company requesting that they provide me with the original contracts for each account they are reporting on. This company has failed to provide me with the request that I asked for and provide the information in a timely manner. I did a certified copy that was signed on X/XX/17 and I have failed to receive this information. They have violated the fair credit reporting act. I 'm requesting that this matter be investigated.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>