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

There has been an identity theft on my equifax credit report as someone is trying to apply for credit cards using my name and SSN without my consent or knowledge. There is an unauthorized enquiry with the name XXXXXXXX XXXX on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX contains a billing error. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. Transunion will not remove it even though the account is fraudulent.
Product: Debt collection

IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with IQ DATA INTERNATIONAL IN Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt IQ DATA INTERNATIONAL IN purport I owe. I request that IQ DATA INTERNATIONAL IN Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt XXXX. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IQ DATA INTERNATIONAL IN Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

In accordance with THE FAIR CREDIT REPORTING ACT ( FCRA ) This creditor XXXX XXXX XXXX account # ( XX/XX/XXXX) has violated my rights under 15 U.S. Code 1681 Section 602 states, I have the right to privacy ,15 U.S. Code 1681 Section 604a Section 2 also States that a consumer reporting Agengy can not furnish an account without my written instructions under 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a lot auto loans on my report that i didnt have anything to do with. My information was in a data breach. I reach to Experian, XXXX about the issue on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

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 a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 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: Student loan

As of around XXXX weeks ago ( XX/XX/XXXX ), I do not have access to my loans nor can I make a payment. Today is XX/XX/2023. I called yesterday and I don't have access to my loan nor have they approved my REPAYE application and they can't guarantee a date for when that will occur ( I applied for the REPAYE around XXXX weeks ago. I plan on leaving the country next Wednesday ( XXXX days ) and won't return until XX/XX/XXXX. I needed to have my payments scheduled and I needed to apply a {$20000.00} lump sum towards my loan earlier this week. I can not plan ahead when my loan servicer has no information regarding interest rates and the old system is no longer accurate and I nor the representatives have any ability to provide me with the information. This is insane this is close to repayment. I may not be able to fix any issues or answer questions that arise before returning from my trip as I may not have access to two-factor authentication for my accounts. This delay and lack of ability to process payments/access accounts may cost me money. The representatives are kind, so this error isn't on them. Very poor management by the ones in charge.
Product: Credit card or prepaid card

On XX/XX/2020, I received a notification from Bank of America that my credit card was upgraded from Visa Traditional to Visa Signature as I was a preferred client. They sent me a new card that is stamped ( Visa Signature ) and I started using the card. Lately, I had a damage and there is a benefit for such loss under the Visa Signature but not Visa Traditional, when I contacted Visa to collect such benefit being a Visa Signature holder, I was directly informed by Visa that although the card is stamped Visa Signature the bin number on the card ( first 6 digits ) are for Visa Traditional ( first 6 digits are XXXX ), which means I am not eligible for this benefit. So I called Bank of America to try to clarify the situation, the bank customer service representative stated that this is definitely a visa signature and when I clarified that the Bin number reflects Visa Traditional, she was shocked and transferred me to a manager. The manager was of less help and was not able to solve the issue as well.

I really request your help as the Bank is committing fraud, they mention something while the truth is something else, they issue a card with a Visa Signature stamp while it is not Visa Signature, it is the the worst types of Visa tricking their clients. I am sure they are doing this with many of their clients and not everyone experienced this.

Appreciate if you can get involved in solving this issue as my card if misrepresented to be Visa Signature while it is Visa Traditional. 

I am attaching copies of the front and the back of the card for your review.
Product: Debt collection

Date - XXXX-22 / Amount - {$720.00} / Violations of 15 U.S.Code 1681 ( a ) ( 1 ) accuraccy & fairness / 15 U.S. Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 / 15 U.S.Code 1681 ( i ) for reinsertions/ legal document letters of Cease and Desist / Harassment / Trademark , Copyright Infringement/ were issued, sent to company / consumer was never given proper legal Notice of debt within 5 days / Never was sent the name and address of Original creditor / Never sent statement informing me they assuming the alleged debt was mine, illegal third party debt company without permision to act as an authorized user on consumers behalf to report alleged fraudulent negative debt / personal information to all 3 credit beaururs XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit are a lot of things opened by my parents that wasnt from me. Some things I wasnt even old enough to open and or have no knowledge that was used in my name and its causing me problems now with trying to get apartments and things.
Product: Mortgage

I received the attached letter from CitiMortgage. I do not deny I am in arrears. I have tried so many times to work with these people but they are all over the map with their stories. I gave up trying to communicate by phone and letters do not get a response. I was told that I could cure the outstanding debt by sending in extra funds. Now they returned my last payment because said that the debt goes back more than 120 days and I ca n't pay this way so they are putting my into foreclosure. I am on Social Security so I do have a limited income but I work a few housecleaning jobs etc. to get extra money to help settle this. They wo n't put me on a repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to ask them to remove a fraud alert that I did not place on my report. When the rep ask me a question he did not read the question correcty and therefore i answered the question wrong. After asking to speak with a supervisor and explaing to her that her rep was having trouble reading the question to me and it seem as if he did not speak english the supervisor then hung up the phone on me. Now I can not get through to customer service and I am being blocked from uploading my docements to prove my identity so I can remove the fraud alert. Hard working people should not be allowed to be treated this way by a credit reporting company. Please help me.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX  XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted XXXX & EQUIFAX that it was not constitutional to report medical debt on credit report and they refused to remove collections XXXX XXXX XXXXXXXX were also contacted about the removal of this debt being reported and removed from my credit report and they failed to comply with the law. Below I have uploaded three XXXX XXXX from my XXXX XXXX EQUIFAX credit reports that are being illegally reported.
Product: Mortgage

PHH Loan Servicing won't return my escrow refund. 

Account # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX I called them on XX/XX/XXXX asking for my refund on a loan that was paid off on XX/XX/XXXX. 

I was told they had 20 business day from the pay off to mail XXXX a check ( XX/XX/XXXX ). 

I called on XX/XX/XXXX and asked about my refund. Agent ID XXXX told me the check had been mailed on XX/XX/XXXX. I questioned that b/c I called on XX/XX/XXXX and was told it would take a full 20 business days after my loan was PIF. 

I was routed to an escalation manager Agent ID XXXX who said they would over night me a check and he would call me to update me. 

I received no call back. 

I called today XX/XX/XXXX and was told by Escalation Manager XXXX that PHH had 60 days from the date of loan pay off to send me a refund check. I said that is simply not true. That I had in fact checked and the first operator that I spoke to on XX/XX/XXXX was correct. 

They told me they would not send me a refund check until a full investigation had been completed to locate the check. I said " full investigation? You just see if the check has cleared. 

They won't send me a new check. 

I have call logs on my phone showing when I called and how long I was on the phone.
Product: Debt collection

upon reviewing my credit file on XX/XX/2023 I noticed this Collection account that appeared on my credit file that's the result of fraud and identity theft I continued to reach out to the company so they may investigate this collection account and remove it from my file as of date no one has reached back to me I have never done business with this company
Product: Credit card or prepaid card

XXXX - JP Morgan XXXX Chase Bank. A fraudulent credit inquiry went thru to XXXX. 
XXXX - XXXX XXXX - A fraudulent credit inquiry went thru to XXXX
Product: Debt collection

I have received automated calls from a company calling themselves Portfolio Recovery stating that they have received a bad check through their office with my bank information, routing number and social security number and to press XXXX to speak with a representative. They will come on the line, verify my number and last XXXX digits of social security number then place me on hold to look up my file. The never come back to the line. After XXXX minutes or so the line goes dead.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX, 2020. These multiple inquiries in XXXX, 2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XXXX, 2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XXXX, 2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to dispued hard inquiries on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section 15U.S.C 168 1B, THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw a couple of items that were opened on my name. These items are not mine. Please remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud as someone opened a account under my name and business
Product: Checking or savings account

My Td bank checking account keeps having its address changed to an address I havent had access to in more than 6 mo. Theyve apparently been sending my checking account statements there for months despite even having the actual address on file for credit cards and numerous repeated attempts to change the address. I had a credit card statement/payment that was stolen from the mail or never sent that they tried to bill fees for and report to credit bureaus. I have called them repeatedly and changed the address for the checking account. I also went in branch in XXXX XXXX XXXX XXXX. I spoke to a XXXX guy who appeared to be XXXX based upon accent. It takes >20 min every time I call in. Ive had people call me claiming to be td bank reps asking for my ssn etc but they called from a slightly incorrect number. Calling td directly they stated that it wasnt them calling and that they wouldnt ask for a ssn like that. The checking account statements have a lot of personal details on it and also have the checking account number. Theres a few thousand dollars in the account. This is obviously extremely scary. TD also on account opening tried to deduct more than {$2000.00} from a brand new zero balance account despite having transferred that amount into the bank. Td bank has already been confirmed to be targeted at a high level to impede my personal economic prosperity with known XXXX insider threats at the bank including especially XXXX XXXX. Factually all of this stuff needs to stop. Banking and financial services are core infrastructure. These actions and or negligence are all illegal at this point and its extremely terrifying. Please mitigate the threats immediately and bring them to justice.
Product: Money transfers

I set up a Paypal transfer of funds for {$5000.00} to another individual. Paypal immediately reversed the transfer because they thought it was fraudulent. The initial transfer was on XXXX XXXX and there has been a pending refund on my account from the same day when the transfer was reversed. Despite them canceling the payment and reversing it, the money still was removed from my checking on XX/XX/XXXX. No refund has been deposited as of XXXX XXXX. I was told by Paypal to contact my bank if the deposit did n't show up on XX/XX/XXXX but my bank said they are not holding up any deposits from Paypal. When I called Paypal again I had to speak to XXXX different departments of Paypal, waiting on hold for over an hour to get them to tell me why they wo n't give me back my {$5000.00} that should never have been withdrawn in the first place if they flagged it as fraud. Their explanation is that they must first receive the money to refund it, but it has been 2 days since my bank has debited my account. Their procedures put the consumer at risk for overdrafts and late payments because they do n't give any information about 3-5 day delays in the actual transfer of funds. They advertise instant money transfers all over the place and it seems they accomplish this by fronting the money while it may takes days to clear on the back end. Why ca n't they front the money for a refund when they are the initiators of a fraud check and the consumer is able to verify the transaction within minutes of them reversing it. They should just put the transaction on hold instead of reversing it. Or they need to be more transparent about what is happening to the money in these cases so the consumer can protect themselves from overdrafts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Robinhood took unauthorized funds from my checking account causing my account to be overdrawn. They took out the same amount the day before but I had authorized that amount, so they did a double withdrawl. Robinhood has locked my account and I have not heard back from customer service in 11 days.
Product: Debt collection

ARS ACCOUNT RESOLUTION # XXXX This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following :
Product: Credit reporting

I settled my account with XXXX XXXX eight years ago and Equifax still reports my credit score with this account as a negative. Can this be reported? 
Many thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information has been compromised and obtained illegally and used for purposes which I have just recently realized when my girlfriend checked my credit for me. They show XXXX XXXX  and XXXX XXXX  none of which I recognize.