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

I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX 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 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 credit card from XXXX. XXXX Balance {$4500.00} opened XX/XX/XXXX, XXXX XXXX XXXX {$10000.00} XXXX XX/XX/XXXX, XXXX XXXX {$510.00} XXXX opened. XX/XX/XXXX! XXXX XXXX XXXX {$150.00} # XXXX XX/XX/XXXX, XXXX XXXX XXXX {$300.00} XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance {$4000.00}. 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 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

On XX/XX/2020 at XXXX XXXX I got a call from my local sheriffs dept. caller is was XXXX. Officer asked me if I had a loan with XXXX XXXX and advised me a criminal complaint was filed on me and is a misdemeanor for each check that I stopped to XXXX XXXX inXXXX hr had all of the current balance and original loan information and advised me to contact XXXX XXXX at XXXX XXXX XXXX at XXXX. At XXXX XXXX I had an 8 min conversation with XXXX and he said tht I can settle for 25 % of the balance for XXXX $ today to avoid criminal charges and the CFPB would issue a grant for the rest because I am a single mother. He even offered to call my mom and help get the kk way to settle it. I declined that offer. 
I contacted XXXX XXXX and confirmed they sold it to XXXX  who has placed it with XXXX XXXX for collections who outsourced it to XXXX XXXX XXXX I called my local sheriffs off ice and the said they have gotten numerous calls about them contacting people about debt for criminal charges and said their Number was most likely spoofed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get Transunion to send me my credit report for over 4 weeks. Im unable to access my reports ( s ) online (? ). Transunion agreed to mail the report ; and have a supervisor call me within 72 hours, Still no report and no phone call. 

My name is incorrect on XXXX and XXXX My name is XXXX XXXX XXXX NOT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian just sent me a new credit report and they took off a negative report that should have been removed in 2014. This I was thankful for as it has cost me thousands of dollars in punitive damage.
To my disbelief they added a new negative credit account for original creditor XXXX XXXX Hospital which is the ultimate inconsiderate incompetence. I have never been a patient at XXXX XXXX Hospital or utilized any services from XXXX XXXX Hospital or received any type of bill from XXXX XXXX Hospital.
I believe this may be a relative but if they had had the decency to check the birthdate they would see this is and never was my bill. How dare they be so careless with my credit history ... ..enough damage has already been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found multiple entries that are inaccurate and not reflective of my credit history. Please see the following items that require your immediate attention : XXXX XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX XXXX . As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX  Account Number : XXXX I have no recollection of ever having an account with XXXX. As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

I would appreciate if you could investigate these items and take the necessary steps to remove them from my credit report as soon as possible. I trust that you will handle this matter promptly and professionally. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Nay Federal Credit regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

Marking 30 complaints as duplicate does nothing but show this fraudulent crooked company will cheat anybody and try there best not to fix the problem SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Payday loan, title loan, or personal loan

I had a line of Credit Account with Bank of America in Texas with XXXX balance and no mortgage on the house. 
With a line of credit, Bank of America mandates flood insurance. I was not aware my flood insurance policy lapsed, so Bank of America bought a flood insurance for me for {$3300.00}. Once aware that my flood insurance policy lapsed, I contacted my insurance carrier who sold me the flood insurance at market rate for a total of {$620.00} on XX/XX/2019 and effective XX/XX/2019. Once I informed Bank of America that I bought a flood insurance policy they charged me {$840.00} for approximately three months of coverage. 
I believe it is lone sharking rates to charge {$3300.00} for a market policy that is {$620.00}. The prorated three month was hundreds more than the entire year market policy charge. 
I am blessed to not need the line of credit ( which I have already cancelled ) but I would like other Texans to be aware of the inflated rates Bank of America charges because THEY CAN. 
Hopefully, Bank regulars will get involved to limit this lone sharking practice.
Product: Credit reporting or other personal consumer reports

Providing credit bureaus with false information. Still reporting past due when account should have been closed. Surrender the vehicle still leaving late marks on my report
Product: Debt collection

I cancelled XXXX in XX/XX/XXXX and sent back the box to them. After this date, I was charged for services that I did not receive and was charged for the box which I returned to them. Two debt collectors have reported this information incorrectly to the credit reporting agencies.
Product: Debt collection

I mailed a letter to Credence Resource Manage on XX/XX/2020 in regard to an account for a balance of {$610.00} negatively impacting my credit reports and requesting a debt validation. This company has not responded to my request. I have submitted disputes through the credit bureaus regarding this debt with no resolve. The account was removed from my credit reports ; however, it was put back on my XXXX  credit report. I do not owe this company which is why I requested the debt be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 16881 section 602 A. States a I have the rights to privacy 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 XXXX  XXXX XXXX XXXX Account XXXX XXXX Office of the Attorney General XXXX Texas current balance : {$91000.00} XXXX  Child Support : {$91000.00} XXXX XXXX XXXX CURRENT BALANCE : {$1200.00} XXXX CURRENT BALANCE : {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a problem with a subscription service charging a credit card which I had paid off. Because I selected electronic billing, the credit card never sent a bill to me telling me there were charges so I never checked. I have credit monitoring and after the first delinquency notice I called the subscription and thought I turned off the product. They continued to charge, however. I didn't notice for a couple of months due to travel and was just busy- but saw my almost perfect score plummet over 75 points for repeated not paying my credit card. I called the credit card co - they told me to contact the XXXX agencies. I contacted EACH ONE and all worked MARVELOUS! They believed my story given my continuous payment history and the small amount involved ( less that {$50.00} a month ). However, Pentagon Federal Credit Union ( PFCU ) provides it's own scores - but based on the 3 XXXX  agencies. I use them, being a veteran, and once I saw their score wasn't changed I called them. They would not change the score! I asked them why- they couldn't give me a rationale. I assumed that it just took time, a month or so, but asked them to investigate and change the score. They just sent me an letter denying my request to change the score without telling me WHY. The score continues to by less than 700 while XXXX, XXXX and XXXX have a range of 790-820 depending on monthly balances. I believe they are doing this because I use their products and was trying to obtain another larger HELOC loan. Or just bureaucratic bs. Again, their excuse for not changing it is " this is what your score is now '', not even bothering to look at the 3 major XXXX score reporting agencies to see if it's been corrected or changed. They insist " I '' must provide reports from all three! When they have access to the information and I gave them permission for HARD credit score checks.
Product: Credit reporting or other personal consumer reports

I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/1976. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This Discover Bank account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still showing on my credit report as of XX/XX/2023. This account status shows up as 30 days late but should say paid as agrees since it was paid off in full. The account was past due when I traded in the car and since it was paid in full, it got stuck in past-due status.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Checking or savings account

XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( our XXXX XXXX XXXX company ) opened a business checking account with Relay Bank. {$33000.00} money transferred from our XXXX Business account to Relay Bank. 

XX/XX/2023 - Our Relay bank acct was frozen by onboarding specialist, XXXX XXXX. She emailed only one of the business managers ( not the owner that managed bank accounts ) to state that she needed a bank statement showing source of funds ( $ XXXX ). 

XX/XX/2023 - Multiple bank statements ( XXXX XXXXXXXX, XXXX ) was emailed by me to XXXX XXXX, onboarding specialist. $ XXXX still frozen. 

XX/XX/2023 - XXXX emailed stating information under review. 

XX/XX/2023- XXXX email requesting for full bank statement XXXX. I explained to her this was already sent and resent. I requested to speak to her over the phone for her manager. $ XXXX still frozen. 

XX/XX/2023 - XXXX emailed stating information under review again. 

XX/XX/2023 - XXXX stated acct is cleared. Account still frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter for Bankruptcy case number XXXX months ago of this item is inaccurate and has not been properly investigated. This is my second or third time asking XXXX, and Equifax to show proof of how they have verified this account, and they have yet to provide proof and I feel like I'm being taken advantage of. They only say " verified '' which isn't sufficient when I clearly asked for proof. It also shows me they aren't doing their proper due diligence concerning the matter. On XX/XX/2021, XXXX XXXX sent documentation stating that they removed bankruptcy case XXXX from their report. After that, I sent a dispute to XXXX and Equifax stating that XXXX XXXX has removed this account. XXXX XXXX is the company they report to, to verify bankruptcies. If XXXX XXXX has removed this account, XXXX and Equifax are lying or not going through proper investigation to verify items like they are supposed to do according to FCRA Laws. My family and I have been in much distress because we can't get any housing and were being denied for everything we apply for. At this point, I don't know what much else to do for help besides getting a lawyer to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing ( SLS ) incorrectly reported an account as delinquent for the XX/XX/XXXX payment. I contacted SLS and asked for the credit reporting error to be fixed. Twice it has been fixed only to reappear as a delinquent payment. I have a letter from SLS acknowledging the error and promising to correct the reporting. The XX/XX/XXXX payment once again appears as an error. Is there recourse against SLS for repeated credit reporting errors? Please help me to get this fixed once and for all.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. PLEASE DELETE THE ACCOUNTS : 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

Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$690.00} Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00} This is a formal complaint against all three credit bureaus, XXXX, TransUnion, and XXXX. I have tried to resolve this by sending a dispute letter to the three bureaus and directly to the third-party collector and creditors but until now I couldn't get a proper resolution to this problem. I was asking for validation of these two accounts to make sure they are both reporting the account 100 % accurately in my credit report because I do see that they are reporting these two accounts inconsistently in all three bureaus. As a result, my score has been affected negatively. Months have passed and I still see the inaccurate reporting of this account. The date of last activity and the date open for instance.. They are are ll reporting on a separate which is very confusing.