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

On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX  XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXXXXXX XXXX XXXX   XXXX  ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

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

XXXX XXXX XXXX XXXX XXXX, 2021 I don't have any knowledge of this account and it remains on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} FXX/XX/XXXX XX/XX/XXXXXXXX ( Original Creditor :XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX {$1800.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraud inquiries on my credit file and the status said it was deleted some how the information stay on my credit file and it hasnt been removed after the fact that the dispute saying deleted confirmation numbers are XXXX and XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This is a formal complaint against Experian. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. On XX/XX/23 I pulled my credit report only to realize it was furnished with erroneous & unverifiable account ( s ). I began my process of disputing these unauthorized and fraudulent reports on credit report with Experian on XX/XX/23. 

Currently I have one hard inquiry on my credit report which I did not recognize and did not authorize for it to be furnished on my credit report. Despite my efforts to resolve this unfortunate nightmare Experian has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. 

I am well aware of several other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a professional and as an individual. 

As previously stated, this company is reporting erroneous, derogatory information about me which is killing my credit & my Professional image. Therefore, my only wish is to have them permanently remove the inaccuracies that Ive disputed from my credit file immediately. 

Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

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

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Upon reviewing the personal information section of my credit report, I noticed that they were several outdated and or incorrect personal information on my credit report. I would like those items removed from my credit report due to them being outdated or incorrect. I have listed the information below : Remove the following names : XXXX XXXX Remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Remove the following employers : XXXX XXXX, XXXX XXXX Also please remove the following birth date : XX/XX/XXXX My actual birth year is XXXX.
Product: Mortgage

Our mortgage servicer failed to pay our XXXX property taxes on time. It took over a month of multiple emails and phone calls to get the taxes paid, even though the money was in our escrow account. After paying the taxes over 4 months late ( we only realized they were not paid after XXXX XXXX sent us a notice of intent to lien our property ), the servicer sent us an updated escrow analysis that increased our monthly escrow payment, and incorrectly included our sanitation/solid waste fee in the analysis. The analysis also included a revised payment amount effective XXXX/XXXX/XXXX ( which increased payment has been paid ). I contacted the servicer on XXXX XXXX to let them know the solid waste fee was improperly included, and provided proof that the fee has been paid out of pocket, not through escrow. They initially responded via email stating that the fee would be removed and we would receive a revised escrow analysis and monthly payment amount within 9 business days. As of today, XXXX/XXXX/XXXX ( almost 2 months after initial contact ), we still have not received a revised statement. I have followed up multiple times in writing, to which I received XXXX response basically stating they had changed their mind about removing it because it was " set up at closing ''. This is also inaccurate, and I provided them a signed copy of our escrow account disclosure from closing which only included XXXX Taxes and Insurance. I have followed up multiple times since providing this information, and still have received no response. On top of the non-responsiveness, the servicing department only has a generic " servicing '' email, so you never have a name or email address of an actual person to even know who has emailed you or who you are emailing. Additionally, if you call customer service, they can not provide you with a name or contact information for an actual person who handles escrows, they only state that they can " put a note in the system '' and escalate it to the escrow department. I contacted them in ample time to get this taken care of before our increased payment went into effect on XXXX, but since it has not been resolved, we have now had to pay the increased payment amount that wrongly includes escrows for solid waste and sanitation.
Product: Credit reporting

ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO TRANSUNION IN REGARDS TO A LETTER THAT THEY SENT TO ME. 

Transunion Consumer Relations XXXX XXXX, 2016 To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent XXXX previous letters to you, all by certified mail ( copies of receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters all sent certified mail stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt Transunion to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

I anticipate your response. 



Sincerely, XXXX XXXX
Product: Checking or savings account

On Thursday, XX/XX/2021, around XXXXXXXX XXXX. Pacific Time, I tried to login to Citibanks online banking. My username and login has been disabled. I then tried to reset my password using my 16 digit card number and last four ( 4 ) numbers of my social security number. I received a message that said : XXXX XXXXXXXX Locked The information you entered does not match our records. The information I submitted was correct ; there were no typographical errors. I then called customer service by calling the telephone number on the back of my debit card ( XXXX ) XXXX. I spoke with a XXXX female supervisor that disconnected the telephone call on me. She did not call me back. I called back and spoke to a XXXX male supervisor by the name of XXXX. He indicated he was in the Client Relations department in XXXX, XXXX. The call disconnected again. I did not receive a call back. I called ( XXXX ) XXXX and the automated system asked for my social security number. The automated system said my social security number does not match their records. I hung up and tried again and got the same result. There were no typographical errors when I input my social security number. My login is defunct, my debit card is defunct and my social security number is defunct. This does not sit well with me because I just deposited a personal check for {$5500.00} from my XXXX XXXX checking account and now I dont have access to my funds-during a pandemic. 

I then spoke to a female supervisor around XXXX XXXX. PT and she stopped talking during the phone call. The call was disconnected yet again and I did not receive a call back from Citibank. 

I called ( XXXX ) XXXX around XXXXXXXX XXXX. PT and the automated system again did not recognize my social security number or debit card number. The automated system said it will transfer me to an agent, however, the telephone continued to ring and ring ; no one answered the telephone call. The ring was continuous forcing me to hang up and call back. 

It is egregious of Citibank to block my account without informing me in advance. I did not receive any communication from Citibank via telephone call, e-mail or text correspondence. I learned of the block after the fact. I still dont know why Citibank blocked my account. I did not do anything wrong. What if I had an emergency and needed access to my funds? The money belongs to me ; not Citibank. 

I am maintaining a careful record of my communications with you for the purposes of filing a complaint with the Attorney Generals office, Office of the Comptroller and FDIC, should you not resolve this issue.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking to verify as accurate XXXX XXXX & XXXX
Product: Credit reporting or other personal consumer reports

Please note that this is not a duplicate request nor filed by a XXXX XXXX XXXX XXXX XXXX. I'm filing this CFPB complaint to request pursuant to FCRA XXXX ( 15 U.S. Code 1681c2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XX/XX/XXXX Account Number : These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, and or hard inquires as reported. The aforementioned accounts, collections, and or 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Debt collection

Portfolio Recovery Associates, XXXX, {$4900.00}. I have sent Portfolio Recovery Associates, XXXX several debt validation and Portfolio Recovery Associates, XXXX has not responded. Portfolio Recovery Associates, XXXX has alos reported this collection to all 3 of my credit reports. I have no knowledge of this collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I Reviewed my credit report and noticed Inquiries that I did not authorized or give permission. 
1. Experian- XXXX XX/XX/2023 XXXX. XXXX  XXXX XXXX XX/XX/2023 Please remove them from my credit report as soon as possible. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. The following accounts need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX
Product: Credit card or prepaid card

I have attempted several times to dispute the information on my capitol one card ( XXXX ) & ( XXXX ) this account is reporting incorrect balance owed as we settled these accounts. This account was paid by garnishment and settled. this account is preventing me from getting employment with the government. I would like this account removed from all credit reporting agencies please as i am trying to get employment and its a barrier.
Product: Credit reporting or other personal consumer reports

I'm in a disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

1. XXXX XXXX XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. Thank you in advance for your immediate attention to this matter.
Product: Credit reporting

A fraudulent account is appearing on my Experian credit report. The account is XXXX XXXX XXXX XXXX account number XXXX. 
I 'm a victim of identity theft and have disputed this account with Experian. 
Experian refuses to remove this account from my credit report after numerous dispute attempts. XXXX and XXXX promptly removed this account from my file when it was brought to their attention but Experian has been negligent and careless, refusing to investigate this issue. 
The company that is reporting this information, XXXX XXXX XXXX XXXX has been unhelpful in my attempts to figure out why this is appearing on my credit report.
Product: Money transfer, virtual currency, or money service

This letter was sent to Cash app 2 times But got No Respose
Product: Student loan

On XX/XX/XXXX at approximately XXXXXXXX XXXX pacific, MOHELA was contacted regarding my remaining student loan balance. At this date and time I was informed by XXXX ( XXXX # XXXX ) that my total remaining loan balance was {$4900.00}. The full balance was remitted and confirmation number : XXXX was issued. I was informed that the balance on the account was paid in full and had a XXXX balance ( {$0.00} USD ) as of XX/XX/XXXX. This was all documented on a recorded line. 

On XX/XX/XXXX I received an invoice, notarized by U.S. Post, from MOHELA stating that I still owed a balance of {$4900.00} due on XX/XX/XXXX for the student loan account. 

This constitutes financial fraud ( 34 CFR 685.102 220 ; 34 CFR 30.1-30.70 ; 34 CFR 668.171 176 ; 15 USC 1601 ), mail fraud ( 18 U.S.C. 1341, California Penal Code 530.5 ( e ) PC ), and tax fraud ( 26 U.S.C. 7201, 7203, 7206 ( 1 ) ). This fraudulent conduct on the part of MOHELA constitutes several additional felonious federal, state, and local violations ( felonies ) such as data fraud. 

On XX/XX/XXXX at approximately XXXX XXXX. pacific, MOHELA was again contacted by telephone regarding the status and balance of my student loan account. At this date and time I was informed by XXXX ( XXXX # XXXX ) that my student loan account showed a XXXX balance ( {$0.00} USD ). It was confirmed by XXXX ( XXXX # XXXX ) that my student loan account showed a XXXX balance ( {$0.00} USD ), AND that there was an overpayment on the account in the amount of {$7.00} USD. It was determined at this time that I was charged interest on the account in the amount of {$7.00} USD. However, XXXX ( XXXX # XXXX ) stated that I had not been charged interest on the student loan account. However, it was determined on XX/XX/XXXX that I was charged interest on 2 loans in XXXX. Moreover, it was determined on XX/XX/XXXX that I was charged interest of {$13.00} USD per day on one loan. Additionally, it was determined on XX/XX/XXXX that I was charged {$33.00} USD on one loan. 

Furthermore, it was verbally stated by XXXX ( XXXX # XXXX ) on a recorded line that due the fact that I was allegedly not charged interest, I would not be issued any tax documentation for fiscal year XXXX. Moreover, XXXX ( XXXX # XXXX ) stated on a recorded line that due the fact that I was allegedly not charged interest, I would not be issued any tax documentation for fiscal year XXXX. Additionally XXXX ( XXXX # XXXX ) stated only interest in excess of {$600.00} USD would be issued 1099 tax documents. This constitutes tax fraud ( 26 U.S.C. 7201, 7203, 7206 ( 1 ). XXXX was unwilling or unable to provide the confirmation number ( XXXX ) confirming payment status and account status. XXXX was unwilling or unable to provide tax information confirming the known amounts and charges. 

This is a new complaint. This is not a duplicative or repetitive claim. 
Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX that a credit card was opened in my name with XXXX. This is fraudulent activity and I can prove it if given the opportunity. I did not open this account and did not make the purchases. I did not open an account/card with XXXXXXXX. I filed a dispute with XXXX but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. The account is not verified and it is not accurate, its a crime. I tried to dispute the address with XXXX but because the account is seen as accurate, it wont even let me. I have never lived at XXXX XXXX XXXX. 

This is my second time presenting this complaint to CFPB the first one was closed and should not have been, this matter is not resolved. On XX/XX/XXXX, I returned the signed affidavit to XXXX  and have received nothing. Mind you, the company sent me an affidavit via email in XX/XX/XXXX. Additionally, the company sent receipts and pictures in the CFPB portal, but I wasnt immediately aware of that either and therefore it took me longer to respond and so they probably assumed I was claiming ownership but that is not the case at all. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let TransUnion have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.