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

I am writing to address my ongoing concern regarding the fraudulent items on my credit report. This letter serves as my second attempt to rectify this matter. 

Upon reviewing my credit report, I have identified several items that are inaccurately listed and appear to be fraudulent. Despite my initial attempt to address these issues, they persist on my report, causing me significant distress and concern. 

I request that you thoroughly investigate these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. 

As per the Fair Credit Reporting Act, I am entitled to an accurate and fair credit report. It is imperative that you uphold this right and rectify the errors on my report promptly. With this, I am asking for your assistance to remove these fraud items in my credit file 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 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 has failed to perform the duties mandated by section 605B of the FCRA. They also failed to provide evidence of their counterclaim, which was specifically requested in the initial request letter, as well as the demand to comply letter, which was forwarded to them upon dishonor when they failed to perform duty within four ( 4 ) business days of receiving consumer 's request to block and remove information resulting in identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX under account # XXXX, Account # XXXX, Another collection account under XXXX XXXX XXXX : Account # XXXX, ACCOUNT : XXXX  # XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has blocked my credit report for no apparent reason. I am unable to get a credit report and lenders are unable to pull my credit report. This is delaying my home purchase and causing unnecessary frustration. I have called Equifax numerous times and have been unable to get a straight answer about why this is happening and what the resolution could be. I was told to fax a copy of my social security card and ID to them, but the fax would not transmit. Please help me deal with this negligent behavior.
Product: Credit reporting or other personal consumer reports

I have no association with the listed creditors, and these inquiries were not initiated by me.
Product: Credit reporting or other personal consumer reports

XX/XX/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 XXXX XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of XXXX to the agency. I have attached a documentation of my self attestation to you TransUnion Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Online information service for XXXX XXXX. 
XX/XX/14 {$730.00} I was never given a notice i could dispute and also this was in my bankruptcy.
Product: Credit reporting or other personal consumer reports

The late payment remarks and account status currently reflected on my credit report are incorrect and do not accurately represent the true history of this account. The account in question has been closed, and the reported late payments do not align with my actual payment history. These inaccuracies are negatively impacting my credit score and misrepresenting my financial behavior. I request a thorough review of the account details and the immediate removal of the incorrect late payment remarks and status from my credit report. Ensuring the accuracy of this information is critical to maintaining the integrity of my credit profile, as required by the Fair Credit Reporting Act ( FCRA ). Please update my report to accurately reflect that the account was closed and remove the erroneous late payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY EXPERIAN REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. PLEASE SEE ATTACHEMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Alliance Collection Agency received a bill to collect on me, which was {$1500.00} at the time, from my dr. /hospital. and they contacted me and tried to get me to pay them an amount I couldn't afford. Instead, I pay a smaller amount every month to them. The bill they send me is for the full amount every month since. I was notified the other day that Alliance took the {$1500.00} bill and broke it up into 7 smaller bills and reported them all to my credit report with the same dates of service, in otherwords, the same bill they send me every month with the full amount. They are sending little bills to the reporting agency and a huge bill to me. How shady is that? Is this even legal? Why would they do this to me. I might not be paying the huge amount they wanted, but I am paying what I can each month. Why would they do this to someone just to ruin their credit? What can be done? Please help.
Product: Credit reporting or other personal consumer reports

I observed numerous inconsistencies and inaccuracies among the 3 consumer reporting agencies furnished reports when compared across the board. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr TRANSUNION, it shows that there's 2 LATE PAYMENTS. 
XXXX*Then under XXXX , it shows that there's only XXXX XXXX XXXX*Yet, under XXXX XXXX it shows that the account is aready CURRENT.
Product: Bank account or service

Someone use my Bank of America visa debit cards, checking account and money market rewards savings account to make fraudulent transactions. Under federal law and according to Visa policy, a consumer has zero liability for fraudulent and unauthorized charges/transactions. Someone stole and used my personal information and impersonated me to steal over {$30000.00} from my checking account. I have filed claims with Bank of America in regards to this matter. The following claim numbers are all fraudulent and unauthorized transactions : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to get trans union to remove a fraudulent hard inquiry for several months the company XXXX XXXX ( XXXX ) has turned over the removal several times to trans union to remove the inquiry and still nothing from transunion
Product: Credit card

On XX/XX/2024, I answered a phone call from someone that was pretending to be a Discover employee, it was a XXXX XXXX number. The person said they were calling because there was a lot of scams/fraud happening and Discover wanted to ensure my account was fully protected. They had my Discover account balance, as well as my Mothers name. They also had my XXXX credit card balance, mentioning it was available information to all credit card companies to help ensure the person on the phone ( me ) that it was not a scam. Very quickly into the call, they mentioned I should have just received a code, to which I confirmed and they asked for the numbers, which I gave. They did it a second time and then confirmed everything was secure and good to go on their end. We chatted for a few more minutes and the call ended. 

After hanging up and going home, I noticed two charges on my Discover card. The purchases were made at a XXXX store in XXXX, XXXX. ( {$2600.00} and {$3900.00}, total {$6600.00} ) I immediately reported as fraud to Discover. They removed from my bill for two months, but put the amount back on my statement in XX/XX/2024. I called to ask about this, and they said that because I " authorized '' the charges, I would have to pay the amount. But that's not true, I was deceived into thinking the call was from a legitimate representative of Discover. I did not know that giving the code would authorize a purchase. I literally thought the call was part of a security verification process and my response was given under the assumption that it was for account protection purposes. 

I did not mention the discover employee imposter on my initial call with Discover because I was embarrassed by my stupidity. But after they denied my refund, I mentioned it was a Discover imposter to Discover, and they didn't believe me. 

I have not travelled to XXXX, and can prove that I was in XXXX when this occurred. I feel as though Discover is taking advantage of the situation by telling me I just have to pay the fraud amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has Violated my Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ Status/ Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX XXXX  /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$650.00} Status/ Account charged off. {$450.00} XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} writtenoff. {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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, 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 involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit card

We noticed charges on our statements ( which we unfortunately didnt pay attention to sooner ) for Payment Security Fees of {$160.00} every month. It is supposedly incase you are unemployed to cover the payments. This is wrong. I never ever sign up to these programs in XXXX years of my life, and I did not sign up to this one. 

Lowes Synchrony bank was phoned by a Lowes representative while in our home assessing the costs for a project. We realized we needed more credit. So the Lowes rep, contacted Lowes Synchrony, we did an application over the phone, I got approved. That was it. Since then I have just been making on time monthly payments. 
Lowes Synchrony closed this account on me, for no apparent reason.

Since then I am trying, with many phone calls, many conversations and repeating the above explanation, to get these monthly charges removed and refunded back to my account.

I NEVER EVER signed up to this program, everything was done over the phone. Lowes Synchrony sent a letter that they will refund 1 years of charges but nothing else because they claim it was legitamate! HOW CAN THIS BE???? THIS IS CONSUMER FRAUD! 

I have had this account since XX/XX/2021. 

I request Consumer Financial Protection Bureau to help me to have ALL of these fraudulent charges removed and refunded as well as all the INTEREST ACCRUED on the account from these fraudulent charges. Not only 1 year. 

And why would they refund 1 year if it was legitamate? They clearly know this is fraud and I never requested this program.
Product: Student loan

Hello, I reviewed my credit report and saw an inaccurate account reporting. I consolidated my student loans with XXXX and the balance was PAID IN FULL and transferred to the new loan XXXX Aidvantage. However, the original student loan is still reflecting on my credit profile. This error is impacting my credit scores as my DTI is elevated. I have sent out dispute letters, but my request has been ignored. Please remove this from my credit report at once! Its illegal to report outdated information. This balance was satisfied in FULL and needs to be removed ASAP.
Product: Student loan

On yesterday XX/XX/XXXX, I spoke with a representative of FedLoan Servicing. Unfortunately, she informed me I have been a victim of a fraudulent company drafting funds from my bank account for the last 2 years. I would like to file a formal complaint against FedLoan Servicing, because this ordeal began when my loan information was apparently released to the fraudulent company, who initially contacted me via US Mail. At the time, I was a novice to the student loan repayment process. Due to the negligence of FedLoan Servicing, I became a victim of this deceitful company. 
In XX/XX/XXXX, I received a letter in the mail from the " XXXX '' regarding a loan consolidation program I qualified for based on the Health Care and Education Affordability Reconciliation Act of XX/XX/XXXX. Several months later, I called the number listed on the letter XXXX and spoke with a representative XXXX. XXXX had all of the information about my student loans including the amounts owed and lenders information. After speaking with XXXX, I spoke with another representative XXXX, both provided direct numbers for contact [ XXXX XXXX and XXXX XXXX ]. They each had valid information about my student loans, and convinced me I should verify my identity and sign up for this opportunity before it expired. They then drafted 3 installments of {$230.00} to the XXXX XXXX XXXX, CA XXXX for enrollment into the consolidation program. On XX/XX/XXXX, I received confirmation of the automated bank drafts from XXXX XXXX XXXX, OK XXXX ( website : XXXX ). The company also required I allow XXXX ( XXXX ) to monitor my Income Based Repayment Plan and re-certification for the automated draft amount of {$29.00} a month. Sadly, I have been paying this company for almost 2 years now. 
Upon learning of the scam, I immediately contacted my banking institution and stopped all future drafts from the company. I also filed a claim with my banking institution, placed an alert on my credit report, and filed a complaint with the Federal Trade Commission ( reference number XXXX ). I would like this situation be resolved and to receive restitution for my financial loss. Please reply with the following : 1. ) How did this company acquire my loan information? and my mailing address? I did not contact this company, I did not provide my student loan information to them, yet somehow they had this information 2. ) I need someone from FedLoan Servicing to guarantee these people can not contact me or access my information in the future? 
3. ) Can the FedLoan Serving reimburse me for the monies the company drafted from my bank account?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I looked at my credit report and noticed some inaccuracies. I sent a letter to Transunion on XX/XX/year>, asking them to investigate these accounts, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I sent the letter certified. They sent me a reply stating they investigated, and the accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.