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

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency failed to provide me with how they verified these alleged debt when requested. 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 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses 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: Debt collection

Someone opened an account online using my name and social security number at Bank of The West the same bank that my employers payroll account is handled by. Through a credit reporting alert I found that this action had occurred and went to the branch to complain and that's when I was informed it was created online. They showed me the person pretending to be me and was the information they provided and their identification number did not match mine and I was able to prove my identity to them and at that point they said they would close and remove this account due to fraud but they still managed to attach the monetary amount to my social security number and credit report. As I told them at the time I believe that an employee of theirs had compromised my employers payroll account but they did not investigate that angle but after returning to work and asking around if this had happened to other co-workers I discovered that I wasn't the only victim. I want this this removed from my credit profile because this is fraud which we were able to determine with my meeting with the bank representative. This fraud was started on : XX/XX/XXXX and the amount in question is {$740.00}. Bank of The West did not follow up with the removal of this as promised which leads me to this complaint, I have had to file a police report and lock my credit profile.
Product: Credit card or prepaid card

I received emails that my card was approved, congratulating me, and that it will be mailed to me in up to 14 days. It also stated if I didnt recognize this activity to call them, which I did bc I had not applied. They had stated that someone had opened a credit card on board of a spirit airline with my information.
Product: Debt collection

I have received repeated calls from  Trans World Systems, the  last call was received on  XXXX / XXXX / 2017  at  XXXX  from  XXXX . During this as well as previous calls, I have requested for them to send a bill. I never received a bill from the original creditor,  XXXX   XXXX   XXXX   XXXX , and received  XXXX   notice from Trans w orld several years ago. When I received the only collection notice I got, I attempted to go to their website to pay the bill, but it would not allow me to pay, it stated the account was closed. I have since begun receiving calls again, and they have yet to send a bill, statement, or anything. I have verified my address, and nothing. They are insistent that I pay the bill over the phone, but I will not do so without receiving something in writing, especially considering the scam reviews this company has received from other customers. They have also submitted this account under  XXXX  different business offices to credit agencies ... ..the same account!! My credit is being ruined for {$590.00}, I am being harassed, and they ca n't even provide documentation that I owe a debt.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, XXXX, and XXXX, I hope this message finds you well. I am writing to follow up on previous disputes I've submitted regarding inaccurate information on my credit report. Enclosed are copies of the letters sent for your reference.

I previously submitted disputes for several items on my credit report that I believe to be inaccurate. These disputes were submitted to you over 60 days ago, outlining specific accounts and detailing the violations of my consumer rights due to inaccurate reporting.

Despite the stipulated period under the Fair Credit Reporting Act ( FCRA ) requiring an investigation and response within 30 days, I have not received any communication or resolution regarding these disputes.

As a consumer, I am concerned about the accuracy and fairness of my credit report. The lack of response is causing undue distress and affecting my financial well-being.

I kindly request an immediate and thorough investigation into the disputes I've raised. It's essential to rectify these inaccuracies promptly to ensure the integrity of my credit report.

I urge you to provide a detailed update on the status of these disputes and a resolution plan at your earliest convenience. Your prompt attention to this matter is greatly appreciated. 

Thank you for your immediate action on this pressing issue.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, several fraudulent accounts and inquiries appear on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion deleted my Authorized User Accounts that are in good standing. I have repeatedly attempted to get them to re-insert them on my report multiple times with no success! 

Below is the letter I sent them along with the letters written by XXXX XXXX asking them to report this information, and yet Transunion still refuses to report my good standing Authorized User accounts!! 

Urgent Request for Reporting Authorized Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I hope this letter finds you in good health. I am writing to address a matter of urgency regarding the reporting of authorized user accounts on my credit profile with TransUnion. 

XXXX XXXX has recently submitted letters to your bureau requesting the inclusion and accurate reporting of authorized user accounts associated with my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These letters, provided by XXXX XXXX, detail the authorization status and relevant account information. 

Despite the correspondence from XXXX XXXX, my recent credit report from TransUnion still does not reflect the authorized accounts in question. As you can appreciate, accurate reporting is vital for maintaining a comprehensive and truthful credit history. 

Enclosed with this letter, please find copies of the letters sent to TransUnion XXXX XXXXXXXX XXXX, affirming the authorized user status on the specified accounts : XXXX XXXX XXXX XXXX XXXX : Authorized User XXXX XXXX XXXXXXXX XXXX : Authorized User I urgently request your immediate attention to rectify this discrepancy and ensure the accurate reporting of the authorized accounts on my credit report. I believe that the documentation provided by XXXX XXXX should facilitate a swift resolution to this matter. 

Your prompt attention to this matter is greatly appreciated, and I trust that TransUnion will take the necessary measures to update my credit report accordingly.
Product: Bank account or service

I sent a check to Wells Fargo for money from my pension fund, to be deposited in my IRA. They have received the check but have not deposited it in my account because they say they have to verify that the funds exist to cover the check. They say that this could take up to 45 days. That is utterly ridiculous. They received the check on last Thursday XX/XX/XXXX so they have already had it for a week, more than enough time for any verification. I am convinced that they have already cashed the check and are now planning to use my money to speculate on CDOs or whatever other worthless pieces of paper the big banks are now scamming each other with.
Product: Mortgage

XX/XX/XXXX payment was received by LoanDepot on XX/XX/XXXX. LoanDepot misapplied the funds to principal only, none to interest, thereby resulting in a " late payment '' notice being sent to me. Upon call to LoanDepot, found out about the misapplication and LoanDepot stated they would correct the payment but it would take several days to fix. Ordered a payoff statement on XX/XX/XXXX and the payment for XXXX was still not showing as received by Lender. This is resulting in the payoff incorrectly calculating the interest owed to payoff the account. Please note, payment was made through the LoanDepot customer portal, and would have been impossible to set up without paying the interest first, then adding the additional amount to go to principal. The interest portion of the monthly payment is hard coded into the payment fields. This is 100 % a LoanDepot error and it is still not resolved, a month later. I am being overcharged interest because LoanDepot 's system is not recognizing that the XX/XX/XXXX interest payment was received on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a text alert on my phone, inquiring about a suspicious transaction on our bank account. It was asking if I recognized a XXXX transaction in the amount of {$1700.00} and then another one for {$1800.00}. I responded " no '' to the text and was then contacted over the phone by someone claiming to be a representative of Bank of America, who informed me that he would assist me in getting our money back. This individual knew all of our contact and bank information, and informed us that there had been multiple transactions, resulting in a loss of {$10000.00} from our checking account. This individual was calling from the toll free number listed on the back of our debit card, which was Bank of America. The individual walked us through the process multiple times of reversing the unauthorized charges, he informed us that due to the amount of money taken it would take a couple of days to recover our money. He informed me that they had the information of the person attempting to gain access to our account and that the authorities would be contacted, so that further investigation could be completed. I attempted to contact the fraud department of the bank over the weekend to verify that the person I was speaking with was legitimate, but the fraud department was not open on the weekend. I contacted my bank on Monday, XX/XX/XXXX, after explaining what had happened the representative informed me that we had been scammed and would not be getting our money back. The representative then assisted me in filing a fraud claim and I was informed that it would take up to 45 days to reach a decision. Meanwhile, we were left in disbelief, and astounded that the bank was not willing to assist us any further. We are now completely broke and have a small amount left in our account. I contacted our local police department who informed me that they were unable to assist us and directed us to ICE.gov to file a fraud claim with the FBI. I also contacted our local news channel where I was interviewed on shown on the news. I also went into the local branch of Bank of America, and without even asking my name, or having any type of discussion with me I was turned away by the branch manager and informed that we would not be getting our money back. I have banked at the same bank for 37 years ... .this branch manager didn't even ask my name or look into by account, and informed me that the fraud department was in control of the situation. WE FEEL EXTREMELY VIOLATED AND ARE EXTREMELY FRUSTRATED WITH THE SITUATION AND FEEL THAT WE HAVE HIT NUMEROUS ROAD BLOCKS, AND NEED ASSISTANCE IN RECOVERING OUR MONEY. We continue to sit her wondering how it all happened and how we will recover our money, if at all. Please help us! Thank you for your time.
Product: Student loan

I had to take time off from school for a XXXX. The process started in XX/XX/XXXX and the operation was XX/XX/XXXX. I contacted my loan provider and they stated that if I did an IDR that I would have a yr. to heal and get back into school because I had no income. Furthermore, they stated that my husbands income was not a factor because I was responsible for the loans. The application was accepted ; however, I have to pay XXXX per month due to my husbands income. I called Navient back and they told me I had to do an unemployment deferment, which means I have to apply and actively seek a job. this will give me a 6 month deferment. XXXX ; I 'm looking at at least 4 months XXXX before a job is even a possibility. In addition, my husband is on XXXX and looking at XXXX as his Dr. had taken him off work indefinitely for an injury. His student loan company has deferred him until XX/XX/XXXX because he is not making enough to pay his loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit report is showing a hard inquiry from XXXX of XXXX on XXXX XX/XX/2023. I did not authorize this inquiry, contacted Equifax directly to have it removed, and yet it is still showing on my report. This is very disturbing, and concerns me that Im at further risk of identity theft. What can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( XXXX ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my XXXX XXXX XXXX XXXX XXXX  for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID XXXX XXXX. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between XXXX XXXX XXXX days. This is per the COVID practices of XXXX. Clearly, I was within the ( XXXX ) day time frame. This false reporting of a late is seriously harming my XXXX XXXX and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$1900.00} XXXX XXXX XXXX XXXX Owed : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX FL ) XXXX Owed : {$340.00}
Product: Credit reporting or other personal consumer reports

Acting as the authorized agent of the consumer, submit this affidavit to address the continued unauthorized reporting of an account under the consumer credit profile by Equifax Inc. Despite prior written notice instructing Equifax to remove this account on the grounds of lack of authorization, the account remains on the consumer ( profile ) report. As such, this continued reporting constitutes identity theft, as defined under federal law, and represents a willful violation of my rights pursuant to the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681b ( FCRA Section 604 ), consumer reporting agencies are explicitly prohibited from including any information on a consumer report without the explicit written consent of the consumer. Furthermore, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to the immediate removal of any fraudulent or unauthorized accounts to protect the integrity of the consumers credit file and personal identity. 

The account at issue is as follows : XXXX XXXX XXXX XXXX Account No. XXXX This account was reported without my knowledge or authorization and continues to appear on the credit report despite previous demands for its removal. The continued reporting of this account constitutes identity theft under the FCRA, as Equifax has failed to act upon prior notice and continues to unlawfully maintain and disseminate this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm have been trying to remove a Fraud alert from all three Credit Bureau. But when Ask XXXX to remove the fraud alert they remove it then send out a notice for XXXX & Experian to add a fraud Alert then it gets placed back on all three of my credit reports. im asking that they fix this issue so that I can get the fraud alert removed from all three credit Bureau. with out it being place back on by electronic notice from the other bureau. that I did not ask to do so. I'm attatching aLetter from XXXX where as they admit to doing this
Product: Debt collection

I 'm on XXXX and there not supposed to be able accordingly to there letter to touch my XXXX but the have for the last 2 months and I 'm on XXXX also and I 'm XXXX household
Product: Debt collection

I received a letter dated XX/XX/XXXX from January Technologies stating that they were hired to collect an alleged debt of {$540.00} that originated with XXXX XXXX. That letter is attached. I received a follow up letter dated XXXX, XXXX. This letter is also attached. I have never opened an account with XXXX XXXX and suspect fraud here. More importantly, there is no such personal loan account on my credit report ( also attached ).
Product: Debt collection

Requesting a new investigation and dispute re-insertion on credit report with XXXX and Ad Astra. I previously sent a Letter for a pay to delete settlement request on XX/XX/XXXX via certified letter for Account Number : XXXX to collection agency reporting as AD Astra for Original Creditor : XXXX XXXX XXXX as Listed on Credit Report : {$650.00}. Terms listed in letter attached were if payment were to be cashed and or deposited agency agreed for pay settlement sent to delete off credit reports. If agency did n't agree to terms to send payment back immediately to sender with counter reply. I did n't receive any letters back or an counter dispute and my money order was cashed. I disputed with all three credit agencies and they Were removed immediately and considered closed and settled with the letter and proof provided to XXXX and XXXX. XXXX is currently pending investigation as of XX/XX/XXXX. Now as of XX/XX/XXXX checking reports I noticed XXXX has reinserted Ad Astra noted as Open with reporting date XX/XX/XXXX. The Ad Astra collection agency restarted reporting date on XXXX. I have not been notified by XXXX nor by the Collection agency which states If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Both are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately on all reporting agencies.
Product: Credit card or prepaid card

Synchrony Bank has charged late fees when I was not late. I have been paying early each month. Customer service said their system is set up in you pay before the cycle date when in the month they will and have charged me late fees. They have refunded the late fees. I was a lot old since I paid before the bill cycles date in XX/XX/XXXX, that I will have to pay another payment or I will be considered late again
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was previously deleted from my TransUnion credit report and recently re-inserted. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is a fraudulent account and should be blocked and removed. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any previously deleted information can only be reinserted into my credit report if the credit reporting agency has received certification from the furnisher that the information is complete and accurate. Additionally, I must be notified in writing within five business days of the reinsertion. Please provide me with all the necessary information and documentation if any disputed information is reinserted into my credit report. 

Under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide this description as part of your response. 
Please conduct a thorough review of these matters and update my credit report accordingly. Under the FCRA, you are required to investigate my dispute and respond within 30 days of receiving this letter. I request a written statement detailing the outcome of your investigation and a complimentary copy of my updated credit report.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on RECEIVABLE MANAGEMENT GROUP ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
RECEIVABLE MANAGEMENT GROUP ***** Opened XX/XX/XXXX Balance {$180.00}