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

I am a victim of unfair credit reporting and deceptive practices. I have made several attempts to resolve the matter. XX/XX/2020 I filed a dispute with Trans Union Credit Bureau stating that I was not the owner of the closed credit card on my credit report. I requested to see a contract agreement with my signature along with any monthly statements sent to me. Trans Union is the only credit bureau reporting on this alleged credit card account and they indicated the account is closed. XX/XX/2020, XXXX XXXX reported to the credit bureau that the limit on the close account had been lowered {$73.00}. As a result of the report from XXXX XXXX, Trans Union credit bureau lowered my credit score 43 points. I have disputed the ownership of this account because the credit card in question that I held with XXXX XXXX was a {$1000.00} SECURED Credit Card and no such amount was charged to this card. Also the credit bureau investigation failed to resolve anything. There was no evidence surrendered to suggest that I owned the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 XXXX XXXX with a balance of {$620.00}, XXXX XXXX with a balance of {$2500.00}, XXXX XXXX with a balance of {$22000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 or other personal consumer reports

HI, i have a collection compagny ( XXXX XXXX XXXX  ) that says it recovering debts from the XXXX XXXX XXXXXXXX in the amounts of XXXX {$300.00} {$180.00} {$88.00} {$120.00} {$89.00} {$89.00} {$100.00} {$100.00} XXXX  to wich i have never been contacted by them before and they have sent my files to transunion with out giving me a chance to respond to these claims
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information belonging to someone else witha similar name has been reporting to my Transunion credit report. 

XX/XX/22 and XX/XX/22 disputes were filed with Transunion : XXXX XXXX XXXX XXXX XXXX REMOVED ( belonging to XXXX XXXX XXXX ) XXXX XXXX Personal Loan REMOVED XXXX XXXX XXXX XXXX XXXX alias name REMOVED Some of the addresses associated with the unknown alias were also removed. 

I provided a substantial amount of identy documentation to Transunion that proves we are not the same person ( Birth Cert, SSC, Drivers License, Lease ). 

XXXX XXXXXXXX XXXX XXXX  responded to dispute immediately and claimed that the account was " VERIFIED '' but have yet to launch a proper dispute or provide proof of how they validated an account belonging to someone else. I did not initially notice the report because it had been reporting in good standing since its opening so my credit monitoring was not alerted. 

I have disputed with XXXX XXXX directly as well as Transunion with no resolve. I've been a victim of credit file merging and Identity theft for over 10 years. It is obvious the account holder is a completely different person. Transunion refuses to remove the inaccuracy even with verifying documents that helped remove the other information belonging to said person, off of my report.
Product: Credit reporting or other personal consumer reports

I tried to update my XXXX balance on XXXX and XXXX. Both companies would not process my valid dispute. This dispute is new, because I never made a balance incorrect reporting for XX/XX/year>2024.
Product: Debt collection

A representative from regional office of titlemax called and left a very rude threatening voicemail and didnt properly identify themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX ( {$1400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$420.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) In reference to the above that these listed accounts be validated per pursuant to 15 USC 1692 et seq. of the Fair Debt Credit Collection Act ( XXXX ). You have violated my health information privacy rights, and/or committed another violation of the Privacy Security or Breach Notification rules. I never gave permission to share my information with ANY third party, I am aware that HIPPA does allow limited information regarding me, but ONLY can be revealed with my written authorization. I did give any written authorization to release any information to my credit report.
Product: Debt collection

City Leasing continues to call every day harassing me for payment. They have also contacted my friends and family with the attempted to embarrass me. They have come to my physical address making threats, embarrassing me and harassing me. The manager XXXX was very rude and disrespectful and threat to destroy my home if I didn't make payment.They call every day to speak to me accept Saturday and Sundays. I have a call log with all the call they make.
Product: Debt collection

Southwest Credit Systems is repeatedly calling me XXXX almost daily ). I do not have any debts in collections and have seen the complaints online about this company. I never answer the phone, they never leave a message, I keep blocking the number, and they keep calling from a different phone #.
Product: Student loan

I have repeatedly asked Mohelo to update my payments. To date, I have not received any response
Product: Debt collection

Trident Asset Management is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX they are listing this account type as " open '' when it should be a collection. 

2. On XXXX, they are reporting an address of XXXX, XXXX, GA XXXX when that address is no where on their website or BBB profile. How can they have different address on each report? XXXX shows the address of XXXX, XXXX, GA XXXX which is on their website. 

3. They never sent me anything such as a bill of sale, or any letters from the XXXX saying they can collect this debt. 

4. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOE/XXXXXXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have recently received a copy of my credit report ( copy attached ) and noticed an item being reported by ARS ACCOUNT RESOLUTION ... .... {$57.00} After reviewing, I sent notice ( copy attached ) requesting proof of me authorizing release of my medical records to them under HEALTH INSURANCE PORTABILITY ACT. I have not gotten any response from ARS ACCOUNT RESOLUTION and my most recent credit report shows that they continue to report this item in clear violation of HIPAA. I am allowed to protect my medical records from third parties and I do not recall giving my permission to them.
Product: Bank account or service

Wells Fargo has placed a 10 day hold on a deposit, causing {$140.00} in over drawn fees. The Check has cleared the sending bank, but Wells Fargo will not honor the check and will only refund a quarter of the fees. They are telling me that it is not a bank error that they have not collected the money yet from the sending bank.
Product: Credit card

I have 2 chase cards on my consumer report, none of them are mine. Why would they lie and put this on my consumer report?? This is crazy. I've filed a complete FTC report. They haven't removed it. I can't open credit cards, I can't open get loan to buy a house or business funding. I don't know how long it's been on my credit report but this is crazy that they just slapped a random credit card charge off on my report. account # XXXX XXXX
Product: Checking or savings account

Bank of America has as of this morning charged me {$170.00} in fees for their error that I reported in my previous complaint number XXXX. They have charged my checking account fees of {$35.00}, {$35.00}, {$35.00}, and {$12.00} on my Visa. Also the creditors that had to resubmit my checks to them charged me {$25.00}, {$35.00} and {$35.00} so I am no out {$170.00} in fees for Bank of America 's mistake. They had received {$7000.00} in my account and did not honor the items after the check had been deposited and they had received the funds from my bank. If I had not called this would be a bigger mess. Bank of America owes me {$170.00} in lost funds due to their errors.
Product: Prepaid card

I just received a XXXX Debit card, which I DID NOT REQUEST, from NETSPEND in my mailbox. There is no phone number or webpage included on the paperwork to cancel this card. There is a bank name : XXXX, XXXX.
Product: Debt collection

I was contacted by the debt collection agency in regards to the debt I owed on a credit card. I had closed the account with the company because I knew I could n't make payments because I had lost my job. After several phone calls I was forced to block the number they were calling from because they would not cease and desist. It was a few months later when I received a phone call from my brother informing me that they had called his wife 's parents in an attempt to get my information. I explained the situation to my brother and apologized to his wife 's parents. Since that transpired the company has filed in court against me and I 've responded with a request for line item detail of the debt. They sent me a copy of the old credit card bill, that is all. I offered to settle and make payments, but they would not compromise. When I notified the woman on the phone that I would be making a harassment complaint she became angry and hung up the phone. The debt collection firm is Love, Beal, and Nixon out of XXXX ; notorious for trying to get default judgements and using scare tactics on people.
Product: Credit card

I had an American Express card since 2004. I had a high balance of $ XXXX, but lost my job and went into default. Amex structured a payment plan for me where my minimum payment was about $ XXXX/month without incurring interest. I have been paying this minimum amount down regularly each month using an automated payment function on the Amex website. I brought the balance down to $ XXXX. Last week ( XXXX ), I received a phone call from a debt recovery company saying I made no payments since XXXX XXXX and my account was 60 days past due. I took it for granted that the automated payment was going through as we were in a busy time moving house, summer vacations, etc., so I did not check on payments ( I had sufficient balances to cover payments and even if I did not my bank would have paid and charged a fee ). The automated payment had worked for the past few years, so I never questioned it. Somehow, Amex decided to stop my automated payment. I never authorized this and they never informed me of a change to their payment capability. When I call Amex Cust Svc to ask why automated payment stopped working, they reply that my account has been turned over to a XXXX party recovery company and they can not access it. The XXXX party company says they just acquired the account and have no history of what was done by Amex. I want Amex to remove any negative reporting to my credit report, but no one is taking accountability.
Product: Mortgage

On XX/XX/2020 I XXXX XXXX, the consumer, in fact the natural person Pursuant to 15 U.S Code 1602 ( e ), original creditor, lender, attempted to enter into a consumer credit transaction with Wells Fargo using my credit card. 
Pursuant to 15 U.S. Code 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. On XX/XX/2020 Wells Fargo claims they needed proof of closing costs. I inquired about a XXXX I received in which Wells Fargo denies accepting. I am aware that my rights as a federally protected consumer have been violated. Pursuant to 15 U.S. Code 1602 ( o ) I the consumer did not benefit from this transaction. I am the natural person Pursuant to 15 U.S. Code 1602 ( d ) and Pursuant to 15 U.S. Code 1602 ( e ) I the consumer have the credit, which is the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. So I do not see why Wells Fargo wanted to see proof of closing cost. A consumer transaction involves a finance charge, which is the sum of all charges. So down payments of such is a violation of my consumer rights. I XXXX XXXX do not feel secure in my papers. I find that my 4th amendment has been violated as I applied for my credit and haven & # 39 ; t benefited from it. Wells Fargo has performed unreasonable searches on my social security violation Pursuant to 18 U.S. Code 242. Wells Fargo stated they respectfully deny to have the credit inquiry removed, which is a violation of 15 U.S. Code 1681 ( b ) ( 2 ) as I did not give written permission to have this inquiry on my consumer report.

I affirm ( swear ) that my statements are true and correct to the best of my knowledge.
Product: Checking or savings account

Hello, On XX/XX/XXXX, due to unfortunate processing time, my bills were drafted from my checking account at Bank of America 1 day prior to my paycheck being deposited. This resulted in 2 overdraft fees from Bank of America both of which were {$35.00}. In XX/XX/XXXX, Bank of America put out a press release stating that overdraft fees would be reduced to {$10.00} in XXXX. That was a false statement. I contacted customer service to resolve the issue and they advised me that they could not change the fee because the date overdraft fees would reduce to {$10.00} was XX/XX/XXXX. This is very misleading to consumers and I believe it to be fraudulent. Bank of America has a history of misleading and taking advantage of consumers and it needs to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in TrasUnion. Lets correct this immediately. TransUnioin is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update this account accordingly : ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues for over 2 years since my next door neighbor moved in with the same last name & our mailbox is right next to each other. Our mail constantly get mixed up & As I am nice enough to return there mail unopened they do not return the favor. Last two years has been the most stressful time of my life because when they get a hold of my personal information I started getting alerts of people applying for things in my name. I was getting inquiries for credit cards, mortgages & everything under the sun that I never applied for. XXXX XXXX XXXX has been great with helping me to resolve my issues. Equifax on the other hand after numerous certified letters they refuse to acknowledge that I been having fraud committed against me. They refuse to remove all the inquiries on my credit report no matter what proof or letter you send in. Equifax is the only credit company that do not verify accuracies of debt & refuse to remove them. They break every law & act as if we the people do not have any rights. They requested a police report & because its a federal case the police can not give a report. I have explain this to XXXX different representative on phone & in writing & yet here we are. This is a case I can easily win in court & if Equifax do not remove all five inquiries off my credit report than was fraudulently done I will sue them for violating my rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are fraudulent and were created or impacted due to identity theft. 
ACCOUNTS : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 and XX/XX/2023 I submitted a dispute to this company in regards to inaccurate information being reported on my credit report. I also sent in additional request to stop reporting inaccurate names, addresses, and other inaccurate personal information. They responded stating that my request could not be validated. I know this is a stalling tactic used to not update my personal information. I have enclosed the letter that they sent me in response to my request.
Product: Credit reporting

Plese correct date of birth and remove any items prior to my XXXX birthday
Product: Credit card

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding this account. I have contacted all the company directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the company involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

JPMCB CARD XXXX 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX LA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX