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

To Whom It May Concern, I am filing a formal complaint regarding identity theft, which has resulted in fraudulent accounts being reported on my credit profile. I have already initiated disputes with the credit bureaus and am providing documentation to the Consumer Financial Protection Bureau ( CFPB ) to request assistance in removing these fraudulent accounts from my report.Despite my efforts to resolve this matter, these accounts remain incorrectly listed under my profile. These accounts were opened without my knowledge or authorization, and the ongoing misreporting of these details is causing significant harm to my credit standing. I am requesting that these be investigated and removed promptly.

Summary of Fraudulent Accounts Being Disputed : 1. XXXX XXXX XXXX Bank Card Account Number : XXXX Dispute Reason : This account was not opened by me, nor do I have any knowledge of its existence. I request immediate removal from my report as it is a result of identity theft. 

2. XXXX Bank Account XXXX : XXXX Dispute Reason : This account was opened without my authorization and has not been verified to be accurate or complete. I demand its removal as it was fraudulently added to my credit profile. 

3. XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : This is another fraudulent account that does not belong to me. I am disputing this as part of the identity theft issue affecting my credit profile. 

4. XXXX XXXX Account Inquiry Date : XX/XX/year> Dispute Reason : I did not authorize this inquiry. I request that this be removed from my credit report as it was a result of identity theft.
Product: Debt collection

XXXX XX/XX/2022 {$640.00} it is identity theft case. i did police report and notified attorney general. it was collection on me with XXXX systems for utility bill that not mine! i dont live in XXXX  where bill address is. fraud and stolen identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I spotted a " hard '' inquiry on my Equifax credit report on XXXX/XXXX/2017 from XXXX that I never authorized. I recently renewed my XXXX XXXX contract, so there is absolutely no reason I would have given XXXX my information to run my credit. I filed a dispute with Equifax and they 're telling me to contact XXXX to get this removed. I called XXXX this morning and they claimed they do n't even make hard inquiries, but that they will contact me in 3-5 days after reviewing my claim. I made a quick Internet search for " XXXX hard inquiry '' and found a large number of people claiming they had fraudulent hard inquiries from XXXX over the last few months. This seems to be a big problem that might warrant some further investigation. ( I 've attached the results of my Equifax dispute )
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information  per the new law. The bankruptcy XXXX listed does not include this information and should be deleted. I have disputed this bankruptcy several times and the data has not been updated since the new law took effect. Per the dispute with Transunion on X/X/17 that was completed X/X/17 the last time the bankruptcy was verified was on X/X/17. The address that Transunion is claiming was used to verify the bankruptcy as mine XXXX XXXX XXXX XXXX IL is not mine and does not belong to me, nor is that address listed on my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple letter sent to companies involved from XXXX until present day. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, XXXX XXXX and XXXX has violated my rights.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX. Please remove these items from my credit. I
Product: Debt collection

I submitted a dispute with XXXX over two medical debts listed by XXXX XXXX. One, in the amount of XXXX has been removed from my credit report on XX/XX/XXXX, the other for XXXX hasn't yet been removed. The dispute says it's still being investigated but they are debts to the same medical practice, so both should have been removed, the dates of service are one month apart. The practice that reported the debts is located in New Jersey and medical debts are removed after five years. 

Also, my credit score should have gone up by XXXX points due to the removal of one collection debt but it has actually been lowered by XXXX points. No other issues can be attributed to the lower score. In XXXX of XXXX, my XXXX score was approximately XXXX, when I paid off and paid down credit card debt my score dropped to approximately XXXX. It seems that no matter how I try, XXXX is not using an equal reporting scale as XXXX XXXX or XXXX. My score for those two agencies are in the XXXX. I have tried several times to find out how to get a fair score from XXXX, but not one customer service representative can help and will not connect me with someone who could.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX  XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8400.00} ; XXXX  XXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Transunion ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX, XXXX, XXXX while my credit report shows an outdated address of [ XXXX XXXX., XXXX, XXXX ] [ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Debt collection

COMMONWEALTH FINANCIALS hit my credit with something that is not mine they claim I went to the hospital in XXXX XXXX when I havent I have insurance with my job & I havent gone to the hospital this is fraud i was never aware of this charge. Nor who is using my information
Product: Student loan

Since late XXXX I have been unable to view any information about my outstanding loans on my servicer 's ( Edfinancial ) online portal. The only loan that shows is a XXXX XXXX  that I paid off completely years ago which now has a XXXX balance. However, I have several other XXXX  student loans that total approximately {$48000.00} and none of them are visible on the portal. On XX/XX/XXXX, I received an email form Edfinancial stating " Effective XX/XX/2023, Edfinancial Services will begin moving your loan ( s ) to a new student loan servicing system to better serve you! ... Two weeks after the transfer begins, you will need to register for a new online account at Edfinancial.com/XXXX Once you log in you can view your new account number in your 'Profile '. If you previously signed up to receive electronic correspondence, we will continue to send correspondence electronically to you after your loan transfers to our new system. '' On XX/XX/XXXX, over two weeks after the start of the transfer, I logged into my new account and still only see the same paid-off XXXX XXXX  XXXX On the same day XX/XX/XXXX, I called Edfinancial to get information about my loans because payments will presumably be restarting in barely a month. Their customer service representative confirmed that my loans were still in the transfer process and once the transfer is complete I will be able to see them in the portal with the new login I created. I asked when my next payment would be due. I was told they are unable to tell me at this time. I asked how much my next payment would be. I was told they are unable to tell me at this time. I asked what repayment plan I was currently enrolled in. I was told they are unable to tell me at this time. With payments resuming sometime in the next month or two ( I am unable to know the exact date due to Edfinancial withholding the information from me ) I am unable to make an early payment, enroll in an income-based repayment plan, or even adequately plan for the resumption of payments. Because they have already missed their own timeline, I am concerned that they will not have the information available to me before my payment is due, and that once they do have it they will backdate interest and penalize me for missing a payment. I am also concerned I am not enrolled in the most advantageous repayment plan available to me, but I am not able to determine what plan I am on or apply for a different one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX customer since 2023 and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot : XXXXl & quot ; adjustment to your reporting to the three credit agencies. I have two negative inquiries on the above referenced account that date back to XXXXSince that time I have been an exceptional customer paying every month on time.Because of my exceptional payment history over the last 6 months, I would like you to consider removing the negative inquiries from my credit report.At the time of the negative inquiries, I was in the process of changing jobs. I say that not to justify why the inquiries was over the utilization, but rather to show that the negative inquiries are not a good indicator of my actual credit worthiness. I hope that Equifax and XXXX is willing to work with me on erasing this negative inquiries from my Credit Report
Product: Bank account or service

Astoria Federal Savings, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXXThe bank above is involved in bait and switch selling. I have a CD on deposit there which they insist on substituting for a mutual fund. They will not listen to me or answer any questions about the CD account ; nor provide a contract, terms of agreement or method of payment for the mutual fund. All they repeat about the CD is " You do n't need it, '' - which they bark out almost in unison - with out submitting any proof. The pressure is unbearable. 
I am a retired US citizen living XXXX. I am XXXX years old, unemployed and a XXXX. I have documents to prove my medical condition. I visit the USA every year to try and wire back some money for living expenses. My US address is in XXXX NY. I am going to travel to the USA later this year and try again. If I meet with the same opposition again, what should I do?
Product: Money transfer, virtual currency, or money service

A wire transfer was sent to Coinbase, inc. in the amount of XXXX via XXXX XXXX with the following information : Amount {$610.00} Sent on XX/XX/2018 Description : XXXX Confirmation number XXXX Coinbase promises that Wire Transfers would be in the account in 2 business days, but it has not been credited to my account as of X/X/2018. After I made the wire, my account was locked from buying or selling. I filed a support claim with coinbase with case number : Case # XXXX I have not heard from them regarding this issue or my {$610.00} wire transfer other than an automated message regard the submittal of my complaint.
Product: Credit card or prepaid card

I been calling and contacting company for 2 year requesting my bill and why I am being charged 100 percent higher then what I owe they avoid my phone calls and my certified mail On XX/XX/2020 XXXX I sent certified mail to capital one bank  use tracking number usps XXXX XXXX XXXX XXXX XXXX XXXX requesting a break down of what I owe and capital one still has not responded if they can not provide any information this collection needs to be taken off
Product: Credit card or prepaid card

On XX/XX/XXXX My visa was charged in the amount of {$220.00} from XXXX and {$1900.00} from XXXX vacations. I was assured by a Representative, representing both that the above mentioned charges did not go through and would not be charged. 
I have attached a letter that I was requested by visa to write being as detailed as possible as to why I was reporting this as a fraudulent charge. This letter was date XX/XX/XXXX on the second page in the letter I stated I called visa on XX/XX/XXXX, that date was incorrect I originally called them I believe on XX/XX/XXXX to report this charge as fraudulent after an exhausted effort to resolve with the original website XXXX. Since this letter was sent to Visa via their website, I have been on the phone with them repeatedly trying to get this resolved. Visa keeps passing me from the fraud department to the merchant dispute department ( passing the buck within the organization ) The last conversation I had was yesterday with XXXX who was a supervisor of merchant dispute ( keep in mind I was transferred I believe three times from one department to next and back again ) he refused to give me his last name and also refused to escalate the call to his superior. He stated he could not do that and could not remove the charge. He said someone would call me back its been over 24hours and I have not gotten a returned call. 

Please note the {$220.00} has been removed as of this date but the other charge has not. 
The letter I received yesterday said that its possible it will reappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX  ) has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Vehicle loan or lease

I am writing you to inform you that Bridgecrest was unwilling to defer a payment, with the coronavirus   and a state of emergency here in Kentucky and across the nation. I would like to warn other consumers that good payment history does not allow you to defer a payment with Bridgecrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - XX/XX/2020 {$0.00} The companies XXXX, Experian, and XXXX  have been reporting illegally and malicious complaints.
Product: Debt collection

This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. Im receiving harassment telephone calls from Americollect. Im requesting this company to cease & stop contacting me about a debt I dont owe. In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. An automatic stay has been ordered by the petition filing of my bankruptcy. If Americollect continues to contact me I will file harassment charges and a lawsuit against this company.
Product: Debt collection

Parking Old Debt On Credit Report - re-aging a debt. 

In XX/XX/XXXX, a new debt appeared on my credit report, and consequently have lowered my credit score. Upon my investigation I found out that this is an old debt that has been re-aged. 
This debt in question was opened in XX/XX/XXXX by XXXX XXXX and an amount of {$430.00} was charged off. 
Re-aging an old debt is illegal no matter when the old debt was re-purchased. From previous response to my complaint, the collection agency is well aware of the age of the debt. Here is their response : " CCS Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX web portal response XX/XX/XXXX The account in question was purchased by Complete Credit Solution , Inc. ( CCS ) XX/XX/XXXX. The account was originated through XXXX XXXX XXXX ( XXXX XXXX ) account number XXXX on XX/XX/XXXX. The last payment date was XX/XX/XXXX. The first delinquency date was XX/XX/XXXX.The charge off date was XX/XX/XXXX and the charged of amount was {$430.00}. As of this date, our office has had no contact with XXXX XXXX regarding this account. I believe his reference to communication at his place of employment or other locations reference in his complaint was prior to our purchase date of XX/XX/XXXX. In an attempt to resolve this matter with XXXX XXXX we are willing to settle this matter for 50 % ( {$210.00} ) of the outstanding balance. If there is an interest to take advantage of this offer please contact XXXX XXXX at XXXX XXXX ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Fraudulent activity has resulted in unauthorized inquiries appearing on my credit report. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiry be blocked and deleted from my credit file immediately : Unauthorized Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I used Zelle and money was sent to wrong person and my bank reimbursed me my funds back.
Product: Credit reporting or other personal consumer reports

On my credit report, it shows that on XX/XX/XXXX a fraudulent account was opened with Bank of America using my information. The account is not mine! According to XXXX, the account currently has a balance of {$2300.00}. Furthermore, the account is in delinquent status because the account is past due over 60 days. The account is reflecting negatively against my credit score. On XX/XX/XXXX at XXXX XXXX  PST, I contacted Bank of America and they informed me that according to their records, there is no account with my social security number nor with my name. I requested a letter stating there is no account belonging to me as listed on my XXXX credit report and they said one could not be provided according to their policy since there is no account in my name. After doing some research on what steps to take in a situation like this, on XXXX XXXX, XXXX, I disputed the fraudulent account with XXXX. XXXX did not remove the fraudulent account from my credit report. I then contacted Bank of America again on XX/XX/XXXX at XXXX PST in attempts to resolve this issue again. Bank of America once again informed me that according to their records, there is no account with my social security number nor with my name. Again, I requested a letter stating there is no account belonging to me as listed on my XXXX credit report and again they said they could not provide one according to their policy since there is no account in my name. I was advised to visit a local branch to see if the branch could provide a letter stating that there was no account in my name. On XX/XX/XXXX, my wife and I, arrived at a local Bank of America branch at XXXX PST to request the above mentioned letter. However, again, we were told that they could not provide a letter according to their policy since there is no account in my name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 604 A Section 2 : IT also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedatesvthe report by more than several years.

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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 fraudulent cards where opened in my name. One is a chase business card and the other is a XXXX credit card.
Product: Checking or savings account

PNC BANK XXXX XXXX, Account # : XXXX Open Date : XX/XX/2015. Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.