23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My debit card was hacked and used in two different cities on the same day multiple times ... ... ..9 times in XXXX , Pa. without my knowledge, starting XX/XX/XXXX, until XX/XX/XXXX, when I discovered it ... .I was very XXXX  in XXXX through the beginning of XXXX and did not notice the withdrawals. the withdrawals in XXXX were all odd number withdrawals, which I never do. I spent some time in the branch office of Citizens Bank to try to resolve this, and the folks there were helpful and agreed that fraud was indeed noticeable. The following dates and amounts were from XXXX, Pa., and the same day use is next in XXXX, Pa ... ... ... ... ... ... ... ... .. 

XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX, Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX XXXX Pa XXXX 
XXXX ... ... ... XXXX none XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX, Pa. 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX, Pa. 
XX/XX/XXXX XXXX XXXX, Pa. 
XX/XX/XXXX ... XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX missing that page of statement XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX .... XXXX XXXX, Pa. 
XX/XX/XXXX ... XXXX XXXX XXXX Pa XXXX 

The XXXX amounts include a {$3.00} service fee added for foreign ATM. 
All of my withdrawals from ATMs are in equal amounts ... 

I received two letters from Citizens Bank denying that fraud occurred, because the bank employee at the branch that I went to broke it up into two different claims for some reason unknown to me. 
It seems quite obvious that another person had my information to me..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed. However, to my dismay the accounts have been placed back on my Transunion Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I attended an event and was introduced to XXXX XXXX of Key Mortgages as a prospective lender to work with. We had a brief discussion where I asked him from the onset if he executes a soft or hard credit pull because I did not want my credit to be pulled without the appropriate planning. He indicated that he does a soft pull for pre-qualification and it would not affect my credit score. Later on XX/XX/XXXX, I sent XXXX XXXX an email ( attached ) refreshing our conversation. Thursday, XX/XX/XXXX, XXXX XXXX replied back ( see attached ). On Thursday, XX/XX/XXXX, at approximately XXXX XXXX  XXXX XXXX and I spoke via phone to discuss my needs. He took my information which included my address, SSN, DOB, etc. I assumed that he was acquiring the information to have when he would run my credit. XXXX XXXX never asked for consent or indicated that he was pulling my credit right at that moment and I never provided written consent authorizing XXXX XXXX to run my credit. Saturday, XX/XX/XXXX, I received notification that my credit score had changed because of a credit inquiry. When I investigated further I found out that XXXX XXXX was who pulled the credit. I immediately reached out to XXXX XXXX at approximately XXXX XXXX to inquire whether he pulled my credit. He indicated that he did and I expressed that I had no idea that he was doing so. Additionally, I expressed that when we spoke on XX/XX/XXXX where I inquired about whether he conducted a hard or soft pull that he said that it would be a soft pull and would not affect my credit score. XXXX XXXX said that he completely explained to me that he would run my credit. I expressed that I was clear that my credit would be accessed but I should be the one to  decide when that would take place and that it should be perfectly clear and he should be given consent from me to access my credit. XXXX XXXX then expressed that he was upset that I was contacting him early Saturday morning. I asked XXXX XXXX to look at things from my perspective as a customer and that if I knew that he was going to be pulling my credit I would not be reaching out to him to inquire and I only knew because my credit monitoring service alerted me. XX/XX/XXXX, I sent XXXX XXXX an email ( see attached ) requesting that he rescind his actions as an error. XXXX XXXX advised that it was not possible and that he felt that he completely explained that he was pulling my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts found on my credit report. I didn't receive a reponse so I sent another letter on XX/XX/2020. I still have received a response and these inaccurate accounts are still showing on my credit report. It's been 3 months
Product: Mortgage

Wells Fargo committed Identity theft and fraud against me while I had a mortgage with them for XXXX  months. Added a monthly payment to the monthly mortgage payment for fraudulent add ons. Without my knowledge. I have been stating this complaint for months and your company sends it back to them. To be their own judge. What do you actually do for consumers? How can the criminal de ide they did not commit a crime? I would be in prison for this fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went online and signed in to Trans Union Agency. That alone took an hour with customer support because the information they had contained so many inaccuracies, I could not verify my identity with them without extreme difficulty. 

I explained the reason for my call was that the credit report they have on me is fraught with incorrect data. I had made perhaps a dozen attempts so sign in online to address this, receiving an error each time. When I called and chose to file a dispute, every time they hung up on me. I then opted to speak with an agent from another department. He transferred me to the disputes team, who hung up on me again. 

My next conversation with them I refused to allow them to make a transfer and for them to contact the department for me. After a long, drawn out session, the service agent admitted they were aware of the problems the disputes department was having but that everything would be solved and I could successfully take care of the problem the next day. Which is today. 

Furthermore, each time I attempt to go to their " Alternative dispute site '' which they demand I do to address the issue ( https : //dispute.transunion.com/dp/dispute/landingPage.jsp? PLACE_CTA=dispute : cta ) my username and password must be reset because it is wrong in their system Nothing has changed, I am still unable to log on to that section of their website. The only disputes they addressed were the numerous incorrect living locations, contact information and employment history. But I am unable to address the real problem, which are the numerous, incorrect accounts they have on file in my name.
Product: Credit card or prepaid card

I opened a XXXX account to see my credit and I have a account or card from awa collections I think is the name saying that I have a card opened by them when I just opened a credit card this year in XXXX and it's the only card I've ever applied for that was accepted. They are saying I opened a account with them 2 years ago when I only applied for 4 credit card last year and they all were denied. The one that was accepted was pre approved. I don't even know what it's for the XXXX page just said that I owe XXXX $ when I've only opened a XXXX  account to get better credit and now a XXXX XXXX  credit card.
Product: Credit card or prepaid card

I made a purchase for XXXX XXXX which I never received the product. I filed a dispute with Citi and was never refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt as I asked before to make investigation of these accounts however you failed. I do not want to see someone else accounts in my profile. Its difficult for me as my financial life depends on my credit report. However due to the fact that someone used my personal information, now I have these unknown accounts in my credit report. PLease help and remove them from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing this complaint because I have been bullied by the credit bureaus. I have been trying to dispute with the creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) and credit bureaus ( XXXX, Transunion, and XXXX ). All three Beurues have been unresponsive and have failed to properly verify my information with the creditors. I just finished getting off the phone with XXXX  and I was told that I had no idea what I was talking about and that their responsibility as a credit reporting agency was not to verify the information by the creditor but to report the information that the creditor had on file. That to me was a slap in the face. I need help with these monster companies. I have specific documentation attached to this complaint that shows that I have tried everything with these companies and have gotten no responses. Please help me. I am frustrated and tired of being taken advantage of by these companies. Like I mentioned before, XXXX, Transunion, and XXXX do not verify my disputes and they refuse to verify my hard inquiries as well. 

Please reach out if you have any questions. 

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

I called TRANSUNION ( on this day and the time you did ) reporting inaccurate information from alleged creditor name by XXXX XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of XXXX8 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information. 

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. TRANSUNION has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file.

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX is the collection agency the original creditor is spot loans. I took the loan out for XXXX dollars and XXXX  XXXX XXXX is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out 6 years ago so the reporting on that was inaccurate also.
Product: Debt collection

I've contacted Rentdebt company through disputing the information through the credit bureaus. I have repeatedly asked for debt validation and none was provided. I do not have a contract with this company and I do not have a debt with this company. I would like for this to be removed off my credit as it is harming the purchase of my home. The company has no been helpful in solving this problem. No action has been taken by the company except to say that the debt meets FCRA rules when it doesn't.
Product: Checking or savings account

0n XX/XX/2021 I made a withdraw from my brokerage account for the full balance. I have been with this company for over 10 years no problems thus far. Until I made this one I received a response from them telling me they could not verify my bank accounts and to please upload an id. Now why after working with this company for over 10 years would this problem come up? 

0n XX/XX/2021 the information to verify my identity " ID Upload was requested '' With the ultimatum of your withdraw is on hold until we receive this information. In a day and age where we are trying to not have identity theft this information is being requested after being a customer for 10 years?
Product: Debt collection

I got a call from debt collections agency. I never received any sort of bill from original apartment complex. As I have no bill I am not sure what I was charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 



XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I requested a investigation and the credit reporting agency is still reporting inaccurate information and it's hurting my chances at getting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX and XX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XXXX XX/XX/XXXX. 

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed.

2. There was never a delinquency, however, XXXX XXXX XXXX has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XXXX XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively. 

4. XXXX XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.
Product: Mortgage

Complaint XXXX of XXXX with Shellpoint Mortgage. 
Again another account in which a misapplied payment has led to a foreclosure action. 
I would strongly encourage the CFBP to audit Shellpoint Mortgage. I am also getting calls from mortgage clients that have similiar issues. My office is in XXXX Ohio which has a population less then XXXX. This company has very aggressive collection efforts and flawed software and could pose a risk to injure a lot of consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Product: Credit card or prepaid card

I have already paid this card off twice. This company makes it hard to even make the payments, because it was through Ulta, and theres always an issue online, which is the only way you can pay it. This account was closed out after I paid this off the first time. I paid it off again because it was reopened and I was tired of my credit score being ruined and tried to fix it, again. They closed the account once more. Then they sold it to the debt collection agency that likes to harass me now. They didnt give them the full history of my transactions or payments and this current company is still asking me for money. When I have asked for statements in the past, they only send me a couple months worth, despite the card being open for multiple years. I have bank statements proving all the payments I made and it was accepted, so why is this still being continually opened in my credit report? Why are you still trying to get more money from with with only a few months worth of transactions. Thats not all of them. All the evidence shows up under their reviews online. Im single mother who is also a XXXX XXXX survivor. Im currently in XXXX  full time and its sick that this company prays on people like me. This company has made my already traumatic life even more traumatic because I cant do anything with my credit score being ruined.