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

I first contacted and opened a dispute with TransUnion on XX/XX/XXXX. There were 5 accounts from the Department of EDU adversely affecting my credit report. The dispute was closed on XX/XX/XXXX. I do not believe they contacted the creditor and just closed the case on a Saturday. I then called the Department of EDU on XX/XX/XXXX who told me the loans were showing with no outstanding balances and were transferred and they can't do anything about the incorrect credit reporting and to contact myeddebt.com. I contacted them and they said loans are NOT in default and should not be reporting on my credit report. I then called TransUnion and they opened another dispute on XX/XX/XXXX so I could submit proper paperwork showing the loans in good standing. I mailed the paperwork on XX/XX/XXXX as I was told their online document upload was down. The case then disappeared and TransUnion is showing no open dispute. I again contacted them on XX/XX/XXXX to which they said there was no open dispute. They were unhelpful and rude.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific unauthorized accounts on my credit report as a result of a recent data breach that compromised my personal information. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these fraudulent accounts. 
The following accounts are unauthorized and should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

.Pursuant to 15 USC Section 809 ( B ) I'm putting Firstsource Advantage , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX on notice that your claim is disputed and validation of the furnished account. Firstsource Advantage , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as it's directly associated and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. * Chain of Title Proof that you are a licensed debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. * A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting. And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? 3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 4. Did you purchase this alleged account from the alleged original creditor? 5. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ). Failure to remove inquiry off my credit report will result in legal matters being taken and me turning Firstsource Advantage , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Xoom is a XXXX money sending service. I tried sending some XXXX pesos approx {$20.00} usa, and they pulled the money from my XXXX account over to Xoom but then held recipients pickup. After I contacted xoom, they asked 100s of questions and said it's on hold but later was canceled!?? 
No explanation, No refund, locked me out of my account w no explanation!? Refused to talk on phone!! Total Scam and kept the funds they took from XXXX!! This occurred XXXX XXXX,2024. Because xoom immediately dissolved my xoom account, any and all information of transaction is blocked, ANOTHER ILLEGAL BLOCK TO SCAM CUSTOMERS AND KEEP FUNDS. 
Xoom should be investigated by FBI and prevented from doing business in the USA if they are not regulated. Total affiliate of XXXX.
Product: Credit card or prepaid card

Hello, I had a discover credit card for several years and it was unexpectedly suspended on XX/XX/XXXX. When I called customer service to inquire about the reason, I was informed that they needed to verify my income and that I needed to sign tax form 4506-C to obtain tax return information from XXXX and XXXX. When I asked about the reason for this sudden inquiry, they refused to give me a specific answer and also refused to tell me how long the process might take. I signed the form as requested. I followed up in few days and I was told by the agent that I needed to refill the form and to leave a certain line blank. I was reassured that the corrected form will be used. I also offered to provide more documentation to help facilitate the process and explained to the representative that I had started a higher paying job few months ago and that I am willing to share paystubs or employment contract as proof of income. I was told that was not necessary. Few days later ( XX/XX/XXXX ) I noticed that the mobile app access was resumed but the account was still not active. I had not been notified of any updates from discover. I called customer support and I was informed that my account was closed and they refused to tell me why. I requested to be directed to a supervisor to file a dispute and I was denied that opportunity. I received an email afterwards which states they were not able to verify my income and that my account was closed. 

I have good credit score with excellent financial income and I had never missed a payment. I have always paid my full balance and made a conscious decision to pay my balance in full to avoid paying interest ( which makes me question the motive behind this account closure ). It is distressing to be treated so disrespectfully like this, let alone the financial consequences that this will have on my credit score for a long time. The company was dismissive and made no efforts to follow up, provide updates, or accept my offers to provide additional documentation. Reading other complaints, this seems like a common predatory practice that discover does to close unprofitable accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act Capi/ XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address
Product: Credit card or prepaid card

I reported a fraudulent Charge on my Amazon Synchrony account in XX/XX/2023. The Customer Service Representative told me it is being investigated and I will not be responsible for the charges, not to worry. I have received two billing statements with the charges and late fees. And they have reported late payments to the Credit Bureaus. I called Synchrony again in late XXXX ( XX/XX/XXXX ) and they told me, again not to worry. Their actions are not matching their statements. In the meantime, I am continually being billed for a fraudulent charge and Synchrony has been reporting negative ratings to credit agencies impacting my credit score. I have subsequently closed my account. However, I am told I am still responsible for the charge until the investigation is complete. It has been more than 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove inaccurate information, concerning a student account, which currently falls under the Cares Act 2020 and has since XXXX. It is reporting that I have 2 late payments. no payments have been due on this account during Covid-19. This account was closed on Monday of this week, it's now re-opened and has an extra late payment. This is my second time complaining about this. This is harassment, because I have filed complaints with CFPB. They are harassing me, even while CFPB has been made aware of all the problems, I am having with them consistently. How are they allowed to conduct business this way, while in charge of something so critical, credit reprting? 

STOP HARASSING ME, STOP ADDING INACCURATE STUDENT LOAN INFORMATION TO MY REPORT. ALL STUDENT LOAN ACCOUNTS ARE SUSPENDED CURRENTLY. XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was not consistent with the removal of accounts that are listed within the affidavit of truth I sent on XX/XX/2021. An account still remains that is the result from the approval and authorization of a credit card as defined by Congress in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX  XXXX {$540.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$1000.00} RXXXX XXXX XXXX XXXX {$1800.00}
Product: Debt collection

XXXX ( XXXX ) is charging me for a bill I do not owe. I had a balance of {$0.00} when I closed my XXXX  account and moved to a new location. I did not renew service.I am being charged {$470.00} for services at new address but I have no accout with XXXX XXXX in my name. I moved and ended my service with XXXX in XXXX, XXXX. 
This is the 4th collection agency XXXX has used against me. Non could confirm that I owed XXXX or the collection agencies. 
You have a complaint ID ( XXXX ) of a complaint against the othe collection agency, which was submitted on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion Credit Bureau more than 20 times via phone and certified mail in regards to unauthorized inquiries listed on my credit report. I have explained that I did NOT authorize certain inquiries and my credit report was pulled WITHOUT my permission. Credit inquiries are not any different from any other information listed on a credit report in regards to accurate reporting.This information must be verified. I did not authorize these inquiries and TransUnion has no proof that I authorized the inquiries therefore the agency should not have those inquiries listed on my report. 

I have also asked TransUnion to complete an investigation in regards to these unauthorized inquiries to determine who authorized the inquiry. However, my request was not granted. I was told inquiries are factual and can not be removed. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, consumers have the right to dispute any inaccurate information on their credit report. I have tried to dispute these unauthorized inquiries to have them REMOVED from my credit file. However, TransUnion refuses to remove the inquiries without doing the proper investigation and verification which is a violation of my consumer rights. 

I have also contacted each business directly asking for the remove the unauthorized inquiries. However, my requests were ignored. 

The inquiries that are unauthorized and should be removed are listed below : XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX  XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX above XXXX inquiries ONLY are UNAUTHORIZED.
Product: Consumer Loan

On XXXX XXXX, I contacted Check-N-Go ; to inform them that I could n't pay the remaining of my Loan ( {$400.00} ) that is scheduled for TODAY ( XXXX XXXX ) ; due to the fact my Checking Account that is linked to my Debit Account was hacked. I was told by XXXX ( Customer Service Representative ) to contact on Monday, XXXX XXXX to speak with a representative to schedule the payment for a different Date. When I spoke to a Representative Today ( XXXX ), I was told the funds were already taken out ; after I had stated that when I was to schedule the payment, I was to contact Check-N-Go on Monday, XXXX XXXX personally to schedule the final payment. I did NOT authorize Check-N-Go to automatically take the funds out of my Debit Card. Therefore, I am filing this complaint as Check-N-Go showed complete disregard for my request.
Product: Debt collection

XXXX XXXX with Davidson & Associates located in XXXX VA is calling me non stop claiming i owe a payday loan WHICH I HAVE NEVER EVER HAD. She is threatening me claiming im going to prison, We will be outside your house waiting, etc. They dont scare me and when i asked for their physical address she claimed " she can't give me that for their protection. '' This company is a FRAUD and i want my information discarded asap. They have my ss number too. 


XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting or other personal consumer reports

I have been working on my Transunion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter The INCORRECT Address that should be deleted is XXXX XXXX XXXX, XXXX Georgia XXXX and XXXX blue XXXX XXXX XXXX  XXXX XXXX XXXX Georgia XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX Georgia XXXX. The CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. 

I am also showing an incorrect EMPLOYER of XXXX XXXX that needs to be deleted.
Product: Mortgage

My morgage has been in forebearance since hurrican Irma hit FL back in XX/XX/XXXX/XX/XX/XXXX. My insurance company setteled my claim but the money is being held by Quicken Loans out of XXXX, MI. Repairs have been complete for over two weeks and Quicken can not get their outside vendor ( inpector ) to call me and schedule an inspection to verify repairs have been made -- -so that the balance of the money can be transfered to me. My house is up for sale b/c I am XXXX XXXX and need to move to WA state for my next XXXX assignment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : 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

During the Pandemic, i missed XXXX payments on my car loan due to health issues and income reduction from job. After situation got better, i satisfied my account as agreed with bank. During the time that i was late, i asked for an extension for payments which were approved but i was told those XXXX payments were going to be push back to the end of the contract. i was never told that the bank was going to report late payment on my credit report. i've been trying to get those late payments removed off my credit report since is hurting my when i applied for any type of line of credit. 
XXXX, i disputed with all XXXX bureaus. XXXX, XXXX, and XXXX. they all were not able to update my account to current since The bank reported as accurate. 
XXXX, i sent a goodwill letter to the bank but i got a negative response from their side. 

under The Heroes act, this account should be standing under good conditions with a 100 % payment on time status but its not.
Product: Debt collection

Have had numerous phone calls from Lenmark loans, They are located in XXXX XXXX XXXX They keep calling to try and collect a debt from an employee that works for me. I have asked that they stop calling my business and they continue. I have asked to speak with a manager and they hang up. When I called back they said the manager is out and have refused to speak with me. The employee that made the loan is part time and is about to be fired because of the phone calls and other reasons. I would like to file a lawsuit if that is possible.
Product: Debt collection

On XX/XX/19 I contacted Medicredit Inc. after my parents called me advising that they received a letter for me. At that point, I contacted your office and recorded the call to figure out what this was about. Please be advised, that I recorded the call and have had a friend of mine who is an attorney in creditors rights listen to it. They have advised that I am entitled to damages for your office violation of the FDCPA. 

In the call, the representative refused to provide validation of the debt to my proper address in TX as well as refused to answer the dispute in writing to my address in TX ( as I advised them they had the wrong address and took no action to get the correct address ). 

Further, when I asked when the collection amount was due she said " its due immediately '' which can be heard in the attached recording. This is a clear violation of the FDCPA as well as case precedence guaranteeing my thirty-day dispute window.
Product: Debt collection

I was contacted by Credence resource about accounts with XXXX and XXXX and XXXX XXXXXXXX and a debt that isnt mine I asked for the original contract with my signature which they did not provide they sent a letter typed up with a squiggly line that is not my signature I did not sign a contract nor did business with credence resource management and I would like items removed from my credit report attached is a copy of contract with credence resource management which I did not sign a contract with resource and also there is a copy of XXXX which is not my signature
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2. Identity Theft 07 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft 11 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft 11 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply