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

Urgent Request for Removal of Fraudulent Accounts Dear TransUnion Team, I am writing to dispute the following accounts on my credit report, which I believe were opened fraudulently. These accounts were not authorized by me, and I did not consent to any transactions or applications related to them. 

**Fraudulent Accounts : ** XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX  XXXX, XXXX To support my claim, I have attached the following documents : - **Federal Trade Commission ( FTC ) Identity Theft Report** - XXXX ( Internet Crime Complaint Center ) Referral Form** Given the serious nature of this situation, I kindly request that these fraudulent accounts be removed from my credit report immediately. Please also ensure that any negative information related to these accounts is removed, and I am provided with an updated credit report reflecting these changes. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a prompt investigation into this matter. I request a written confirmation of the removal of these accounts and any other steps taken to rectify this issue. 

Please contact me at the above address or by phone if you require any additional information. I appreciate your urgent attention to this matter. 

Thank you for your prompt action. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposit {$1900.00} at Wells Fargo ATM XXXX, which is located at XXXX XXXX XXXX, Florida, on Saturday, XX/XX/XXXX at XXXXXXXX XXXX The ATM began counting money till XXXX, but then it gave me an error message and returned four notes ( I was given back XXXX dollars ). 

The ATM asked me to enter the amount I was depositing. When I entered XXXX, the machine provided me with a receipt. According to the receipt, I was credited XXXX XXXX while my deposit was being examined. 

I received an email shortly after the message informing me that my Deposit was going to be review. When I called at XXXX, I spoke with a Wells Fargo operator who mistreated me and didn't have the updated information. He informed me that the machine will count the money at XXXX and that it would be at your account either after XXXX or early the next day. I attempt to fully describe the circumstances to this manner. 

I was planned to use the money to pay bills and for a vacation to see my family the following Monday, so this is incredibly painful for me. And I tell them so. I also ask them a few questions, and I ask them to offer me a temporary credit or to tell me about other possibilities or how the process works. 

Following that, on Monday, XX/XX/XXXX, at XXXX, I contacted the bank for XXXX minutes. They asked me again how much money was in the deposit, and I was told the same thingthat the ATM would count the money and that I would hear from them after XXXX or tomorrow morning. 

Then, on Monday, XX/XX/XXXX, at XXXX XXXX, I called once again to make sure everything was clear regarding the deposit and everything. They asked me the same questions and informed me that I was assing my case to someone. I waited XXXX more minutes. 

I called again at XXXXXXXX XXXX on XX/XX/XXXX. After XXXX minutes, I discovered that the bank had lost track of my previous statements, including the amount of the deposit. This has an impact on both my personal and financial life. I truly need assistance from someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I need to report EXPERIAN for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im filing this complaint against experian. This account XXXX XXXXXXXX is fraudulent I will send a police report and identity theft report and a letter from an attorney to show I am a victim of identity theft, Im tired of experian not doing their job, this account is fraudulent if not taking off and deleted I will began my lawsuit against experian, I will send other information to show I am a victim of identity theft, I want this account removed immediately, and block this company that stole my identity, XXXX  XXXX has open these accounts with out my permission and stole my information to do it. Now remove this account from my report before I file this law suit and experian will pay my lawyers fees and damages.
Product: Credit card or prepaid card

I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. 

{$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter from XXXX XXXX AND THIS 30 DAY LATE IS STILL REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX CARD, THE XXXX   XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, Chapter XXXX Bankruptcy : Bankruptcy, XXXX XXXX XXXX, XXXX, XXXX BANK, XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX OF XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been in contact with XXXX, Experian and XXXX for over 3 months trying to resolve an issue with my credit report. They have been running circle around me over and over again, delaying the resolution of the dispute and actually not following the law. I submitted a letter I received from the Clerk of the Court for my Bankruptcy telling all three credit reporting bureau 's that the court HAS NOT AND WILL NOT VERIFY the bankruptcy information and I sent a letter to all three credit bureau 's stating the facts and the law and that they needed to remove the bankruptcy and all the accounts related to it from my credit report. Siting that per the FRCA - Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are REQUIRED by federal law to verify through physical verification of the ORIGINAL singed consumer contract and or judgement through the court. - all accounts and public information that you post on anyones credit report, Otherwise anyone paying for your reporting services could fax, mail in fraudulent and erroneous account information. As such, if this unauthorized public record information is not DELETED from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. 
I have provided a copy of the letter from the Clerk of the Court from the U.S. Bankruptcy Court of Colorado that I received on XXXX stating that you did not verify the information with them!!! 
You only verified with XXXX which is against the law per the law you have to verifiy with the ORIGINAL COURT!!!!!!!! I will file with the court at this point against you for not removing this Bankruptcy as you are in violation of the law - Section 609 ( a ) ( 1 ) ( a ). This was submitted on XX/XX/XXXX and again on XX/XX/2024. I tried talking to XXXX on the phone and the first person actually hung up on me becasue he was not happy with what I was saying and then when I tried to call back again, they said now that " They couldn't VERIFY me '' and they couldn't talk about my account. Something seems very fishy about that, They said I had to mail them a copy of my driver 's license and my SS # card which I already did 3 weeks ago and they miraculously never received it. Im trying to get my teeth fixed because it is affecting my health very seriously and I have been denied a loan from the teeth company becasue of this reason. Please HELP!! I'm so tired of going around and around with these 3 companies XXXX, Experian and XXXX and getting no where, I now per the law they have to remove this as it was only verified with the 3rd party XXXX and not with the ORIGINAL COURT. Please PLease help me with these 3 credit bureau 's as they keep pushing out the date to resolve the issue and saying it was " updated '' which it never is!!. Even after I sent them the letter from the clerk of the court and my persoanl letter with the stated law, they still sent me a resolution that says they verifed with XXXX and not the actual COURT. 
Thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against LVNV FUNDING LLC for committing identity theft. I have never given LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt Pursuant to 1692c ( c ). Iam demanding u Cease and Desist of all illegal activity, of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence, such as a trilateral contract, that i have any legal obligation to pay them. If this documentary evidence, can not be produce and LVNV Funding LLC continues its collections efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And also do you have a sign Authorization SSA - 89 form from the SOCIAL security administration about my SSN #. Please tell me you have this on file. Form SSA - 89. Upon the receipt of the documents herein and of this Notice, you are here by notified Pursuant UUC 1 - 202f. Your prompt Attention and Response are both requested and required. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am tired of your XXXX about your respond to the Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>. Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( aX1XB ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

The bank is Continental Finance and the credit card is a XXXX Mastercard. Upon my first payment I set up with my account number and routing number, I did not have the funds. I called in and told them to cancel the payment which they could not so I was advised to take the money out and that it would just be declined because they said they couldn't cancel it. I took the money out of my account and call back in a separate day to inquire about my new balance and attempt to make a payment. I was told I did not need to do so because my balance was less than it was originally. That was weird to me because the payment never went through. So I asked the gentleman that was helping me how is my balance lowered and he stated that my balance is current and it is reflecting the returned payment even and that it is not going to adjust because all the adjustments were set and done. I work in Financing and I understood that something was off so I asked again in full detail to understand why it was showing that the balance was lowered. He assured me over and over and over that the balance on that day was all that i owed and that it reflected all the changes and that it was not going to adjust at all at any point because according to him it already adjusted. I asked about my available credit and he stated that I had {$200.00} to use and that is the amount after all the adjustments have been made. Continental Financial ended up sending me a bill with an update balance that was {$200.00} over what I was assured. I called in to get a resolution I was told that they were going to review the call and call me back but they never did. My payment ended up going 30 days past due and still not response other than calls from them to collect payments and when I asked about the dispute they said they did not know. A client relations manager called me on XX/XX/2022 not to talk about the dispute, no, to collect payment. So I brought up my dispute and was told that even if the representative said something that was incorrect there is nothing that they can do about it other than wave the late fees. I was promised a call today XX/XX/2022. I answered the call and no one answered. I called back right away and a representative told me that there was no Client relations manager available. I gave them time and space to resolve this however it has been 38 days since the dispute and I have yet to get a solution. I have still not talked to anyone that has actually listened to the calls. I am a XXXX XXXX XXXX  and I know my rights as a consumer and I know that sadly most consumers will fall for a scam of a lender such as this one but I will not. If i was assured my balance was a certain amount and that it was not going to adjust then that should have been the case plain and simple. However according to this bank its okay to promise something to a consumer and then change it and just say sorry as if that's every acceptable.
Product: Debt collection

Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. VANCE AND HUFFMAN LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only VANCE AND HUFFMAN LLC responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information reported on my credit history. The account in question is associated with XXXX  XXXX XXXX ( partial account number : XXXX ). The reporting of this account contains multiple errors that violate my rights under the FCRA, and I demand its immediate removal from my credit report.

Specific Issues with the Account 1. Incomplete Payment History Reporting : The payment history for this account is entirely blank. This incomplete reporting fails to meet the standards of accuracy and completeness required under Section 607 ( b ) of the FCRA.

2. Inaccurate Information : The account is marked as " Derogatory '' by TransUnion, while other credit bureaus list different statuses. This discrepancy indicates a lack of proper verification and accuracy in reporting.

3. Date Inconsistencies : The date of the last activity reported by TransUnion does not match records maintained by other bureaus, which violates the obligation to maintain accurate and consistent records.

Violations of the Fair Credit Reporting Act 1. Section 607 ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of the information included in consumer credit reports.

2. Section 623 ( a ) : Obliges information providers, such as XXXX  XXXX XXXX, to ensure the accuracy of the data they report to credit bureaus.

3. Section 611 ( a ) : Mandates credit reporting agencies to conduct a reasonable investigation upon receiving a consumer dispute. The fact that these inconsistencies persist despite previous disputes demonstrates that TransUnion has failed to comply with this requirement.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was racially discriminated by the bank supervisor/manager in the XXXX, MD XXXX XXXX location when I visited the bank to withdraw some money for XXXX of my daughters that needed monetary assistance. I tried to take XXXX out and was told I could not. Then she asked me how I got the check for XXXX to open the account with. I looked at her funny and felt racially profiled and discriminated. Then On XX/XX/year>, I opened a XXXX Account online. The XXXX Account was opened for the main purpose of trading. A small amount was wire transferred on the XXXX of XXXX to verify the account was in good standing and I can see the money into my XXXX account on my phone. The total amount of XXXX cents was ach transferred into my XXXX  account where I saw it was deposited. After everything looked good, I then proceeded to make a wire transfer On XX/XX/XXXX in the amount of XXXX. within a few minutes I checked my XXXX account and did not see the XXXX in the account. I then check my online PNC account to see if the XXXX was still in my PNC account and what happened. I tried logging onto my online PNC account and was unable to log in because an error message came up saying to call the bank. I called PNC and spoke to a representative on the phone. She told me she could not get into my account and the account was showing a XXXX balance on all my virtual wallet accounts and I had to go into a branch to get further information. On Saturday I went into a branch to inquire about the wire transfer and why I no longer had access to my PNC account. I got no answer the representative told me to come back dur normal business hours to a branch. I got sick with the XXXX for a few days and was not able to visit a branch office until XX/XX/XXXX Thursday. I visited a local branch near my workplace. I spoke to a representative there and she could not explain to me why my account was on hold either, she called around to contacts in the fraud department as well as the wire department and could not get any answers for me. She told me she had to take a break because she had not taken one yet and I had to go back to work because my lunch hour was up. I have been without access to my money for over XXXX week and no one is able to provide any answers to me. I need to pay my bills as well as buy medication, food to eat, groceries in my home for my family. I am the sole provider, and it is a problem not to have access to continue living a normal life. I will need to be compensated for not having access to my money. I will be contacting a lawyer because this is inhuman at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank & XXXX XXXX ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.
Product: Mortgage

I was inquiring about a home refinance loan and Quicken Loans. Told him that I did not want my credit pulled unless he could get me an approval. Gave him full info up front- that I was only on the job for 4 months- told him several times my score was verging on XXXX and did not want it pulled. He said he would work with me for an approval and pulled my credit. At the end of the convo he told me that he could not get me approved because all of Quicken Loans require a 2 year job history. I have the FULL chat transcript available. I believe this was complete unethical behavior and lowered my credit score to a XXXX thus far, may still be dropping.
Product: Money transfer, virtual currency, or money service

Hello I had disputed XXXX transactions and cash app immediately denied disputes without even following the proper regulation XXXX guidelines they are supposed to follow by law. They just immediately denied my disputes with no investigation
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Mortgage

My mortgage with PHH Mortgage with an FHA went through the Covid program which is the Covid care act.

I applied for a grant it was paid my understanding was there was not to be any derogatory remarks on my credit report and I see that there is which says 8 late payments which may be affecting my credit for further financing I feel this needs to be corrected! As soon as possible Thank you