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

I'm 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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 are the list of items which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/23 after logging on to my online banking i discovered my checking account with my son was compromised. There were several fraudulent activity. Two atm withdrawals totalling {$1000.00} and two debit card purchases for {$1100.00} and {$2200.00} at XXXX XXXX XXXX XXXX XXXX XXXX. I contacted chase via phone immediately at XXXX where after several transfers i spoke with a rep in their fraud claim department. The claims were filed. The compromised account was restricted and a new account opened. However, rather than keeping the new account totally separate from compromised account, Chase actually transferred all the compromised account information and activity to new account. Why? What was the purpose of opening a new account? 10 days later, today, i found out chase denied my fraud claim. Stating because transactions were done via pin it had to be me or my son! What proof or information can they provide to support their assumptions? Now the supposedly new account has a negative balance of over {$3000.00} which can not be paid by us because A. This was fraudulent activity and B. We just dont have the money. I am in desperate need of assistance to get this matter resolved swiftly and correctly. Chase has handled this claim very poorly. I am a victim who is being victimized further by chase.
Product: Credit card or prepaid card

Early in the month of XXXX I received an offer to apply for a branded visa card from Chase a Mariott Visa Platinum. The application was subsequently denied on XX/XX/XXXX for the following reason " Your credit repot reflects a bankruptcy '' and this information was apparently obtained from XXXX. Well I don't have a bankruptcy on any credit report and just like it happened with XXXX XXXX last XXXX it appears both banking giants have and use internal historical information which may be illegal to use. My credit score per Chase denial letter is at XXXX and they go on to state a mirad of made up jargon to cover where they actually got this supposed bankruptcy from. If the FCRA is crystal clear on what credit can be denied and from what sources is obtained then how is it that Chase is able to do this. It seems they are flying above the law. XXXX XXXX in their denial did the same thing even going as far as claiming they had pulled the credit report from someone else with my same name last name, social security # and address match. I have contacted all three major credit reporting companies and none have of the information for which Chase has denied me. XXXX XXXX did go out of their way when I threatened them with informing the government and did issue a credit card with a some what low credit line just to cover their backs. 
In the end it seems banking giants are keeping internal records about individuals in order to circumvent the law. This not only seems illegal but is also offensive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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

Hi. 
I contacted Transunion and asked for assistance with removing credit inquiries. These inquiries are not authorized by me. It happened today and I immediately called to have them removed. They said I need to submit a letter of removal from XXXX and send in documentation. I called XXXX and they said they couldnt provide such letter. 
I am asking that they remove the XXXX inquiries from XX/XX/2021 and XX/XX/2021.
Product: Mortgage

LOAN CARE is my home loan company. I was on forebearance from XX/XX/XXXX until XX/XX/XXXX. The forebearance was scheduled to expire XX/XX/XXXX. For the record, I would make some monthly payments during the forebearance period, so that I would not have a large lump sum. 

I called at the begining of XX/XX/XXXX and paid the full outstanding amount of the forebearance, which was a total of {$14000.00}. Payments were for the months of : XX/XX/XXXX, XX/XX/XXXX, When I spXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. See attached Monthly Statement - Outstanding Document. Spoke to the representative, I informed them that I wanted to opted out of the forebearance plan. 

Little did I know that LOAN CARE failed to remove me from the forebearance plan. 

I tried to refiance and was denied for the following reason ( s ).

1 ) LOAN CARE failed to remove my account from forebearance. LOAN CARE informed the refiance company that I was in forebearance unti XX/XX/XXXX. 

2 ) LOAN CARE reported payments as late even though I was in forebearance. The report indicated that I did not make any payments from XX/XX/XXXX till XX/XX/XXXX. 

3 ) Called LOAN CARE numerous times to rectify the problems to no avail. 

I have documentation to prove LOAN CARE failed to remove me from forebearance and a copy of the Refiance denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX Ohio to XXXX, GA. Someone in XXXX OH has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX / XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and after I have been unable to get my credit report and score from EQUIFAX. XXXX XXXX, XXXX and XXXX XXXX were all unable to pull my EQUIFAX report and score. I found this odd as it was working on the XXXX and before. I was pulling the report to see if an account had been update when I noticed the issue with my EQUIAX report. 

When I called EQUIFAX directly I was originally told there was an issue with their computer system over the weekend and to call back or try the next day. The agent also tried to pull my report on his end and was unable. The next day I called again and was told after reaching a US rep that it may be because I had a fraud alert on my file. The alert was 10 years old and I had never had an issue getting my report or score with it on there. The agent reached out to the backend people and had the alert removed after verifying my info. She told me that was more than likely the issue and to try in 15 minutes or the next day. The next day I tried again and still there were errors with pulling the report. I tried again through XXXX, XXXX XXXX and Equifax directly. I was getting multiple error codes ( Eval Code : - Status Code : FL, Reason Code : TF ) but was being told there was still nothing in my file that would prevent anyone from pulling my report. The agent said he could see my report and could mail me a copy. The call ended with him telling me there was nothing wrong with my file even though I was getting errors from EQUIFAX directly since that is who I was working with. 

We are roughly 3 months from finishing a home build and really needed to be able to access my credit report to see where my report was so there would be no surprises. The lack of care or effort for a company like EQUIFAX to fix this when its such an important part of someones life is completely unacceptable for a company to do and is borderline criminal in the neglect they have for such information. I need EQUIFAX to actually fix and acknowledge the issue instead of passing me off to a different department and claiming there is not an issue. This as of now will prevent me from obtaining the home loan we need until the issue is fixed.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving an issue related to my credit report. I have noticed that an account which should have been removed after the seven-year period is still appearing on my credit report. 

On XX/XX/year> I notified Equifax that XXXX which was opened on XXXX is XXXX XXXX XXXX and must be removed from my credit report. They have yet to remove this account from my credit report and it is hindering my livelihood. 


According to the Fair Credit Reporting Act ( FCRA ), negative information, such as delinquencies, should only be reported on credit reports for XXXX years from the date of the first delinquency. As this account reached its seven-year limit on XXXX it should no longer appear on my credit report. 

I have previously contacted the credit bureaus to dispute this matter, but the account has not been removed. I am now seeking your assistance in ensuring that this outdated information is removed promptly from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have an AmEx platinum card. The reward program is supposed to earn 5x points for airfare. In the past, all tickets purchased through amex directly, the airline directly or a travel agent have accrued 5x points correctly. This month I purchased airfare from XXXX and even though the transaction was reversed when I canceled my trip, the points accrued at the correct 5x rate. However, the same itinerary purchased via a travel company called XXXX is only accruing points at 1x.
Product: Debt collection

I have disputed this alleged debt with Midland Credit Management. I have no recollection of this alleged debt. Therefore I refuse to pay this debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I noticed my credit reports were frozen through XXXX, XXXX and experian
Product: Credit card or prepaid card

We got {$16.00} worth of dormancy fees taken off a {$25.00} card. It seems exorbitant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted ChexSystems and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specially they provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof.
Product: Credit reporting or other personal consumer reports

in according with the FAIR CREDIT REPORTING ACT. 

COLLECTION ACCOUNT : XXXX XXXX AND XXXX, has violated my rights. 
15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE
Product: Checking or savings account

I was using XXXX XXXX in the company it defaulted me. We're using XXXX XXXX. I lost about {$5000.00}. And I had to close my bank account because they couldn't help me and it was due XXXX XXXX. I was doing these thingsThe heap said they couldn't do nothing to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX and Equifax Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME CREDIT CARD ACCOUNTS AND A LOAN ACCOUNT. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE UNDERSTAND THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

Midland Credit Management based out of XXXX XXXX, CA. called me today attempting to collect a debt that was charged off in 2008 from XXXX XXXX. I understand that the statute of limitations is 4 years which XXXX XXXX of Midland Credit acknowledged they were, in fact, attempting to do.
He did offer to take me off the contact list but here is my concern. If the law states that they are not to make an attempt to collect the debt, who else are they calling beyond the statute of limitations that are unaware of this?
As a victim of the banking industry fall out, I was laid off, lost my home due to foreclosure as once I did obtain work I did not qualify for a reorganization of my loan as I was not upside down and retained equity on the property, hence the foreclosure which the bank was able to recover the entire balance of my loan. The years to credit recovery are long and I have not yet fully recovered and my situation I can say is likely better than most. Who else are the credit agencies contacting? This is a normal practice for them and citizens should be protected.
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING INACCURATE INFORMATION ON MY REPORT. XXXX IS NOT THE OWNER OF THIS ACCOUNT AND THEY ARE FRAUDULENTLY TRYING TO COLLECT, SEC FILINGS PROVE THAT CREDIT ACCOUNTS ARE TRANSFERRED INTO A TRUST AND ARE SECURITIZED THE DATE OF THE ACCOUNT OPENING DATE THE ACCOUNTS ARE TRANSFERRED/ASSIGNED INTO A TRUST, SECURITIZED AND TRADED AND NEVER TRANSFERRED/ASSIGNED BACK TO XXXXXXXX. IF XXXX CAN NOT PROVIDE A CHAIN OT TITLE PROVING THAT THE DEBT WASN'T SECURITIZED THEY DO NOT HAVE THE AUTHORITY TO COLLECT AND REPORTING IT TO XXXX XXXX TRANSUNION IS VIOLATING MY RIGHTS. DELETE THIS ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when I found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to XXXX XXXX, Experian and XXXX to request the contract because they will not provide to me. I have a Identity Theft case opened with the FTC reference # XXXX. I have been hitting a brick wall with trying to get this fraudulent account off me. I am asking that the credit bureaus request the actual contract. I have asked XXXX XXXX and they sent me a payment history? XXXX has removed the fraudulent account and I am asking Experian and XXXX XXXX to request the contract and investigate accordingly. I have opened several disputes with Experian and XXXX XXXX and they are not investigating, they are only going off the word of XXXX XXXX XXXX XXXX and coming back saying the account has been verified and updated. What information are you receiving to update? I would like to see the contract and my signature?
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have previously contacted Equifax, XXXX, and XXXX   informing the company that I have been a victim of identity theft/fraud. Equifax, XXXX, and XXXX  is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX  to follow the law, they clearly feel as though the law does not apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received personal credit report produced by XXXX  with the XXXX logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX XXXX, I began receiving numerous debt collection letters from XXXX XXXX XXXX for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent XXXX XXXX XXXX a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very stressed and anxious. Despite my letter telling XXXX XXXX XXXX to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX Sued and Garnished my Wages. I was Court Ordered to pay {$4400.00} by the court by 10 % increments ( XXXXXXXX per month ). However, I paid {$1000.00} every two weeks and had it completely paid off in 2 months!!!!! 

Now the same collection agency is saying I owe an additional {$150.00} " in accrued fees. '' All fees, Court Cost, Interest were already a part of the total {$4400.00} Ordered by the Court. This is predatory collection practices and I want them ( Midland Credit Management ) held accountable!!!! My Case Number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX