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

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting

I was recently pre-approved for a car loan through one bank. I went to purchase the car on a Sunday and that particular bank was closed. Without my knowledge nor my consent the car dealership reached out to several banks to attempt to secure a car loan. This has since placed my credit status as poor. I would like each bank to be notified that I did not sign or verbally approve of these inquires and I wish for them to be removed from my report immediately. I will be contacting the dealerships main office to file a complaint against this particular dealership.
Product: Credit reporting or other personal consumer reports

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by both XXXX and XXXX that I am part of the XXXX and XXXX data breach.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my bank account was hacked for {$350.00} through cashapp at XXXX.I contacted my bank card services immediately and was asked to sign a notice of fraudulent form and to go to my bank and receive a new debit card. My bank then informed me it could take ten business before I could get the money back. XX/XX/XXXX my bank refunded me the money. 

During this waiting period I am conversing with cashapp trying to get any answers concerning the hack and now Im getting the run around. Finally on XX/XX/XXXX I get an email from the cashapp team telling me they are going to give me a provisional refund. In order for that to happen, I would need to log back into the cashapp, put my information in and they would transfer it from my old account to my new one. I asked them to put the money on a cash card and mail it to me because I no longer feel comfortable putting my new information in the app. My next email from them was letting me know for security reasons they could not refund my money. 

I just received an email from my bank saying on XX/XX/XXXX they are taking back the refunded money because cashapp told them I authorized those transactions. That is NOT true! I do not know those people. I am still trying to figure out how they were able to take that money from me and my account was set up to use a PIN number to send money. I truly believe this is an inside job. Cashapp is scam and I want everybody to know it! 


XXXX
Product: Credit card

I opened an account with XXXX  with credit line of $ XXXX. I spent about {$800.00} on that card and got XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Next thing i noticed is my bill was up to $ XXXX. upon checking there was fraudulent charges and cash advance and my account was on auto pay-paying way more than the XXXX XXXX  i owed. I reported to Amex but they done nothing and insisted that i pay the whole amount ( XXXX ) I would like Amex to revisit this account and review the fraudulent charges especially the multiple XXXX XXXX XXXX cash advance withdrawal
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a certified letter to TRANSUNION disputing the accuracy of account XXXX XXXX # XXXX due to inaccurate dates on the account and a blatant attempt by the collection agency to try to re-age the account which is a clear violation of the FCRA XXXX TRANSUNION stated the account was properly investigated. I am disputing the validity of their " investigation '' because the " Date Opened '' is still inaccurate, and the " Date of Last Activity '' is also innacurate ( please see attached pictures of the XXXX credit bureaus showing different dates for " Date Opened and Date of Last Activity. '' These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. 

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have XXXX days to notify me they have received my dispute- they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXXXXXX XXXX  XXXX. 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX CREDIT OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX CO. 
OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello! below is a list of inaccurate information listed on my credit reports XXXXXX/XX/XXXX, open date XX/XX/XXXX showing paid, closed XXXX written off. i have information that this is not accurate and must be deleted. also late payments posted are not accurate on all 3 bureaus XXXX reports late XXXX, XXXX, XXXX of XXXX. XXXX reports XXXX, XXXX, XXXX, XXXX of XXXX XX/XX/XXXXXXXX open date XX/XX/XXXX credit limit {$300.00} XXXX is reporting late XXXX, XXXX of XXXX. XXXX is reporting late XXXX of XXXX information is not the same on all 3 bureaus. 

XXXX XXXX  balance XXXX this company is reporting late payments.on my reports, please remove according to USC 1666b The following are accounts that are not recognizable to me an a FTC report was filed. report # XXXX XXXX open date XX/XX/XXXX Balance XXXX XXXX XXXX open date XX/XX/XXXX Balance XXXX XXXX, XXXX, XXXX open date XX/XX/XXXX Balance XXXX XXXX XXXX  open date XX/XX/XXXX According to USC 605 b i would like this information deleted immediately. this is causing me great loss as his remains inaccurate on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of birth XX/XX/XXXXXXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, XXXX AND XXXX credit reporting agencies 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 a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX balance {$410.00} This account has resulted in several fraudulent late payments and charge off and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  EXPERIAN REPORT NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my Experian credit report, is the result of that trafficking. 
Accounts : Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 signed self attestation form to prove I am human who has been a victim of trafficking, so I do not need Experian 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 human trafficking or XXXX trafficking if the consumer has provided documentation of trafficking to the agency. I have attached documentation of my self attestation from the agency to you Experian Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I have legal power of attorney for my sons account and am unable to use the debit card as it works off his phone which was taken when he was incarcerated so it doesnt work they wont give me access to the account to be able to transfer funds easily over to my account I have for him so they resolved to send requests to the bank and have them mail physical checks which is fine but suddenly I cant get a response from that same email so I tried contacting the company through chat and email to no avail-
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout the week of XX/XX/2019 I contacted XXXX, Equifax and XXXX about adding my phone number to my fraud alert. They all refused and further demanded I mail in my photo ID in order to accomodate my request. 

The major issue here is that the bureaus can ask consumers all sorts of personal questions to verify exactly who they are only to tell them thats not good enough, mail in more of your personal information ... ... 

All I attempted to do was add my phone number, which was removed by each bureau, so that any creditor attempting to run my credit could call my number to verify it's me!!! 

The bureaus each state just to get my photo ID into the system would take as long as 10 to 14 days. In the meantime, I'm suffering the embarrassment of two creditors placing red flags on my pending  accounts as if I did something wrong because all the Bureaus demand I mail in my photo ID in order to verify who I am to simply add my phone number to the fraud alert! Really!!!!! 

Most credit bureaus have been hacked into recently with no fines to pay for allowing strangers into their platforms who now have all of my personal information. But yet they are here giving me a hard time!!! Why??? 

Fix this issue please! 


Secondly, I have previously complained of the abuses of all three bureaus, Equifax, XXXX and XXXX reporting a Bankruptcy on my report and demanded it be removed more than 10 times at each bureau as it does not belong to me and actually reports inaccurate information. 

In XX/XX/2019 I added a personal note stating that I have contacted XXXX to have that report frozen where no one has access to that information. However, as of XX/XX/2019 XXXX and XXXX refuse to remove the bankruptcy item form the report and so states that it is " verified as accurate ''. 

I have previously written to each bureau and demanded their procedures for verification as well as the names of any person who walked into the bankruptcy court and requested information regarding XXXX XXXX XXXX and a Clerk, any clerk, then and there gave over any form of verification to that person to report as verified as accurate. The Clerk at the XXXX Texas Bankruptcy Court states " this court will never verify any information to any credit bureau ''!!! This information is currently reporting as a personal note on my report and still causing loss and damages to my person XXXX XXXX XXXX!!!
Product: Debt collection

My luggage and purse was stolen in XXXX. Several identity theft situations have occurred since then. Recently I was contacted about a payday loan from XXXX. This debt isn't mine. My purse was left in the shopping cart at a local XXXX in XX/XX/XXXX. I had two credit cards with Navy federal credit union. Those credit cards were used and my account was hacked which has now gotten me into debt of over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item 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

On XX/XX/20 I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a following up request about the dispute on XX/XX/20 and XX/XX/20 for the following accounts showing XXXX XXXX XXXX XXXXXXXX They have failed to respond to the dispute within 30 days or mark these as disputed. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau. This is a serious error in my reporting and according to the FCRA TransUnion has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Checking or savings account

Hi there Im trying to get my Ssi funds out of this bank but they are refusing to send me a check and also refuses to close the account there the account online email got hacked and they refused to change it for me I need some help asap due to I have shout offs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX  {$0.00} FRAUD REMOVE XXXX {$960.00} FRAUD REMOVE XXXX XXXX  {$1000.00} FRAUD REMOVE
Product: Debt collection

This account was open and charged off without my knowledge I have no history of payment with this collector. Nor was I given a 1099 even after asking for a debt validation letter to be sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX acquired a collection from XXXX. They stopped calling because I informed them this was included in the bankruptcy which is already reported on my credit report. I've disputed it numerous times via Experian and XXXX but they are not correcting things. This is a violation for this company to be reporting this collection when it was included in my bankruptcy.
Product: Credit reporting or other personal consumer reports

Incorrect information has been disputed with the company and no resolution to remove the inaccurate information has taken place.
Product: Credit reporting or other personal consumer reports

Plaid has never tried to resolve their connectivity issues with XXXX Bank which a lot of vendors and institutions use to verify information. Due to their compatibility issues with connecting bank accounts on multiple platforms, multiple devices, multiple browsers, VPN, Private browsing, different networks, etc. We have lost hundreds of thousands of dollars not being able to get verification because of Plaids issues. We have contacted the bank and they have mentioned that there is no issue on their side in terms of compatibility along with several vendors who look to switch out of Plaid due to this same issue. All signs point to Plaid and them constantly ignoring the issue.
Product: Credit card

On XX/XX/year> I used rewards points on my Chase card to purchase an egift card for XXXX. I never received the digital card, though I did receive email confirmation of the order. I have made multiple calls to Chase to try to resolve the issue. I have been given multiple assurances that the problem would be handled. It has not been handled. I have not received the egift card. I have requested credit back to my rewards account. For whatever reason, Chase has been unable or unwilling to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called XXXX XXXX XXXX regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXX XXXX XXXX I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it removed.
Product: Debt collection

Received a letter from Debt Relief Center, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX stating its the second notice to collect a debt of {$30000.00} at a proposed settlement of {$15000.00}. I issue is I dont owe any debt so this is a scam.
Product: Credit reporting 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 accounts 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 any accounts 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. 

XXXX XXXX XXXX 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

I am writing about multiple collection accounts reported by XXXX XXXX XXXX, which I have previously disputed as fraudulent. These accounts are as follows : Account number XXXX in the amount of {$2800.00} Account number XXXX in the amount of {$2300.00} I must emphasize that these accounts are the result of aggravated identity theft, and I did not give anyone permission to report any information regarding these accounts. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I informed you that these collection accounts were fraudulent and requested that they be blocked from my credit report.

Despite this, you have not blocked the accounts and instead claim that they have been verified. I am formally requesting a detailed explanation of how this verification was conducted. As these are collection accounts resulting from identity theft, I have not signed any agreement or contract related to these debts, nor have I authorized them in any way.

Under the FCRA Section 611, I am entitled to know the specific method of verification and who exactly verified these accounts. Since no documentation exists to prove my liability for these debts, I demand that you immediately delete both collection accounts from my credit file.

Should you fail to remove these accounts, I am prepared to file suit and seek statutory damages of {$1000.00} per violation, as permitted by the FCRA. I trust you will take the necessary steps to ensure these fraudulent accounts are deleted promptly.

Please provide written confirmation of the deletion of these collection accounts within the required legal timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX credit card was opened in my name on XX/XX/2018. I did not authorize.
Product: Debt collection

MJ ALTMAN COMPANIES - trying to collect a debt which does not belong to me. I have contacted the creditor, a medical company, and then have no records for me in their system. I reported this to MJ ALTMAN on more than 1 occasion, and they refuse to stop the collection. They have now reported me TWICE - two trade lines, to the bureaus, for a debt that does not belong to me. This has taken my score down over 100 points. Please help me in reaching out to this company. They will not go back to the creditor as I have to check the mistake. TY
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I submitted a complaint about XXXX XXXX posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX  reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the XXXX XXXX debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help