23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$750.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, 2021 ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2021 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: Credit reporting, credit repair services, or other personal consumer reports

There have been issues with my credit report in the records of the Credit Bureaus. After reviewing my records, I discovered several files that are unfamiliar and clearly unrelated to me. As a diligent individual, I conducted research and learned that, according to section 605b of the FCRA, the Credit Reporting Agencies are legally obligated to remove any accounts and information that have been opened due to fraudulent activities. These disputed items unquestionably do not belong to me, and I have attached the necessary FTC documentation, which I obtained through thorough research. I request the prompt removal of the following items : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus still believe there is a possibility that these accounts belong to me, I must insist on receiving all documentation bearing my signature, as I have learned that the Credit Bureaus are required to verify each account with 100 % accuracy, ensuring it is true, accurate, correct, complete, and verifiable. In the event that the Credit Bureaus fail to provide any records and claim that the items are verified, please understand that I will be left with no option but to pursue legal action. My attorney and I do not appreciate any games, and we urge the Credit Bureaus to comply with the law to resolve this matter expeditiously.
Product: Consumer Loan

I have had a loan with Circleback Lending for over a year. They recently completely eliminated their website, without seeking consumer consent for changes, and made online payments impossible. Now the only way to make payments are through the phone, with an average wait time of 10-15 minutes, or through automatic debit. Unfortunately, they do n't have an online site through which customers can download automatic debit forms and have failed to email the form to me, despite my requests. This approach to customer service and to lending would have been a deciding factor for me when I chose this lender, and I would not have taken the loan with this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX  {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 ) XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX student that will be attending XXXX XXXX XXXX in XXXX. I was approved for a XXXX XXXX loan through XXXX. However, when I tried to get a small private student loan from XXXX XXXX, Transunion reported to XXXX XXXX that I have student loan delinquency. This is not correct, I have confirmed this with my servicer XXXX and studentaid.gov. When I called Transunion to get information they told me that they could not provide who is reporting the delinquency and I am not showing any other servicer or delinquent account anywhere. This has caused me to be denied for my private student loan and now have to wait before I can apply again because I have no way of trying to obtain a private loan until Transunion is showing accurate information. I do not have any delinquent student loans and I only have onXXXX servicer, XXXX, who has confirmed my information as in good standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : XXXX. Investigate this matter with the company listed above. 
XXXX. Remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the XXXX investigation period mandated by the FCRA. 

Thank you for your assistance. 

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

I have disputed several times to equifax and my mortgage lender that my mortgage was paid on time but not reported as so on my credit report they have XXXX and XXXX as no information when in fact they have the information. My mortgage lender stop reporting my payments when I told them I was refinancing and getting away from them soon as I have XXXX on time payments. After I notified them of my intention of leaving them they stopped reporting my payments.
Product: Debt collection

I am on the DO NOT CALL REGISTRY yet I received a call from " Convergent Outsourcing '' regarding debt collection, but my credit history is excellent. The number they asked me to call is XXXX. After looking on the internet, I see a lot of people have complained about this number as well. Please do something about this organization.
Product: Mortgage

In XX/XX/XXXX I set up automatic payments on a citizens bank heloc I have. The system took 2 payments in XX/XX/XXXX and did not take a payment in XX/XX/XXXX. When I received my XX/XX/XXXX statement from citizens bank it showed no payment taken. I called customer service and they advised they would fix the problem and reflect one of the two payments made in XX/XX/XXXX as a XX/XX/XXXX payment. Several days later I received a letter from citizens bank collection department dated XX/XX/XXXX. To summarize since i received that letter I have spent more than five hours on the phone with citizens bank customer service receiving totally conflicting information about my loan payments. I have received conflicting emails from citizens bank about my payments. They have now advised they see a payment to someone else 's account ( giving me the name of that other customer of theirs ) taken from my checking account at XXXX XXXX. XXXX XXXX confirms the money was drawn from my account and paid to citizens bank and it was a PHONE payment. I made no such payment. 

XXXX XXXX from citizens bank addressed the problem to me on the phone yesterday morning by saying they see no such record of that payment and to " prove '' to them the payment was taken from my checking account. I informed her they don't see the payment because it went to someone elses account. I have an email confirmation of the payment from citizens bank being applied to an account that is not mine. 
XXXX XXXX further advised that if I made a complaint to the cfpb it would " just come back to her '' which I view as an attempt to discourage me from making the complaint. 
Citizens bank help with this problem has been utterly incompetent and outright arrogant and smug. I would like them to confirm I'm set up for automatic monthly payments and that they have corrected the payment made to somebody else 's account. So far, they have done neither of those things. Given their contradictory customer service information and refusal to straighten out the payment taken from me and credited to somebody else 's account I am deeply concerned about this home equity lender and my account. Customer service has been nothing of that sort ( service ) and contradictory and confusing. I would recommend others be cautious with this lender because I have been given nothing but problems in the more than five hours I have had to spend trying to just make my payments and get confirmation that future payments are set up. They have also now taken money from my checking account with no authorization from me whatsoever to pay someone's ( who I do not know ) account and they have refused to correct that grievous error. By the way, the amount incorrectly taken to pay another customers loan is {$140.00}. I called my XXXX XXXX to advise that is an unauthorized payment. XXXX has credited my account but now I have to fill out a claim form with them and they have to address it with Citizens Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all three of my credit report there is an open account with Dept of Education Aidvantage with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam : I am filing a complaint against Foster & Garbus LLP. They sent me an income execution for a credit card balance in XX/XX/2022. Therefore, I reached out to them early in XXXX and started a payment plan of {$120.00} every two or sometimes every XXXX days as per the XXXX 's agreement. However, they are now notifying me that they haven't received any of my payments. I have my statements and receipts of all payments I made since XX/XX/2022. 

At this point, I highly suspect that they are holding my funds and not applying payments to my balance, and I would like to file an official complaint against the office of Foster & Garbus LLP for fraud. 

Can someone from your office look into my claim and let me know what my options are, and how can I get the Foster & Garbus office to apply all my payments of {$1200.00} to my current balance of {$2000.00}. 

Thank you for your consideration and I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase XX/XX/XXXX for XXXX which was debited then credited back to my account. I didnt receive any merchandise and I was whole. On XX/XX/XXXX Chase authorized XXXX to be redebited from my accountw/I notifying me they deemed to charge to be good. By then, I could not reach the invoice or the vendor. On XX/XX/XXXX I disputed the rebill and received a letter from Customerservice XXXX that that was closed as of XX/XX/XXXX. I again disputed it emphasizing the XX/XX/XXXX rebill. It is almost a year now in dispute and it is still not resolved. I can not get a customer service to help ( after waiting over an hour to get CUSTSERV ) because it is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fin CR netwk- XXXX XXXX XXXX XXXX was opened not by me, but was open fraudulently by someone else on XXXX which now amount on the account report balance is XXXX XXXX Ive tried to dispute this problem numerous of times, but no luck I never lived in XXXX XXXX, and my credit report said that the company is in XXXX XXXX I had lost my wallet back in 2019 which contain my drivers license and my social security card.I then reported fraud on my social security number once I found out that my ss # was being used fraudulently. Please I need to dispute these fraud charges that are pending against me thank you.
Product: Credit card or prepaid card

On XXXX XXXX I purchased some windows from XXXX XXXX I paid them XXXX with my capitalone create card after about three weeks I called XXXX XXXX and told them I wanted to cancel my order they informed me that it was to late because I had signed the contract that said I only had three days to cancel so I called capitalone and filed a dispute at that time capitalone put the XXXX back in my account but they removed it in XXXX XXXX was told the dispute was going to close in the XXXX XXXX favor XXXX XXXX XXXX where having problems with there suppliers and knew that they wasn't going to provide me my windows when I had paid for them and has of XX/XX/2022 not anyone from XXXX XXXX XXXX have tried to contact me every time call know one is there I don't think it's right for capitalone should still charge me for something I have never received.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency ( Report Number # XXXX ), 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 XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another credit card account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another Auto Loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another Installment Account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another Credit Card with XXXX opened at XXXX XXXX under the account number ( XXXX ), also a Collection Account opened at XXXX XXXX XXXX ( Original Creditor XXXX ) on XX/XX/XXXX under the account number ( XXXX ), another Collection Account opened at XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX opened at XX/XX/XXXX under the account number ( XXXX ) and a Collection Account opened at XXXX XXXX XXXX XXXX XX/XX/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

I have a credit freeze and identity alert on my credit report but somehow EXPERIAN keeps letting company 's run my credit without my permission, which has led to inquires that are not mine along with collections that are not mine. I reached out to Experian today XX/XX/2022 and asked about my credit report I asked why were these items popping up on my report and every representative I spoke with was either rude, ignorant or had me on hold for hours waiting for a supervisor who never got on the line i was able to get XXXX of the ignorant representative 's name XXXX was XXXX and the other was XXXX if that's even their real names. The amount of disrespect I received today is disgusting!!! Experian should be ashamed I will be contacting a lawyer to discuss my options.
Product: Credit reporting or other personal consumer reports

TransUnion continues to report fraudulent accounts on my consumer report.. Im a victim of identity theft, my information was exposed in XXXX security breach a few years ago.. Ive make them aware of that, but they continue to ignore me.. 
This is a violation of Fair Credit Reporting Act Specifically, U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information to consumer reporting agencies. While XXXX has promptly removed accounts such as XXXX XXXX  XXXX, and XXXX XXXX XXXX, TransUnion 's ongoing disregard accuracy and fairness of my consumer report.. 

This is Unfair!! TransUnion taking advantage of me and taking my rights to have a fair and accurate consumer report XXXX XXXX XXXX and XXXX funding were deleted from one credit bureau, but still reporting negative and falsely on TransUnion Which make them in Violation according to fcra 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 



TransUnion 's failure to acknowledge the documents I've provided, and they neglect to verify the accuracy of my credit file, represents a clear breach of their responsibilities as a reporting agency. The FCRA mandates that consumer reporting agencies must meet the needs of commerce for consumer credit information in a fair and equitable manner, respecting consumer privacy and ensuring accuracy. 

In addition to their persistence in reporting fraudulent accounts, TransUnion has also disregarded multiple requests for the removal of XXXX XXXX  and XXXX accounts from my credit report. Despite providing identification, police reports, and numerous dispute letters, TransUnion has consistently ignored my efforts to rectify these inaccuracies. This continued refusal to address legitimate concerns further compounds their violations of the Fair Credit Reporting Act and demonstrates a blatant disregard for consumer rights and fair reporting practices. 
Please do not send this complaint to TransUnion theyre not going to fix anything.. I have about 5 complaints alone this year and dispute that were closed, they continue to ignore me.. I dont know what to do at this point.. I just want my identity back.. And get my life back, ..I cant even get assistance, when I call TransUnion, they tell me to send in my police report then disregard it.. 
several inquiries that they refuse to remove as follows 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

I was a victim of identity theft of which I sent a Identity Theft Affidavit to all three Credit Bureaus. 

A Bankruptcy, and other Accounts that did not belong to me appeared on my Credit Report. 

XXXX and XXXX removed all of the Accounts and the Bankruptcy that did not belong to me. 

Transunion refuses to remove the Bankruptcy that does not belong to me. I have sent numerous disputes to Transunion. I 've also called Transunion numerous times. 

I called the Court House and they said they do not report information to the Credit Bureaus. 

WHY HAS XXXX AND XXXX REMOVED THE BANKRUPTCY AND NOT TRANSUION.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So, if thats the case ; how did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the XXXX5 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.