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

Dear CFPB, I am contacting you because of my Transunion report. I will say that TU has been wonderful at helping me deal with my issues when it came to my ID theft and I can't thank them enough. ID theft is nothing that I would wish on anyone. Now something else that has been handled years ago and after investigation with the data furnisher was deleted many years ago in XXXX  after my investigation where now a new company has bought the same account and added it to my credit reports. I must mention this company claims they contacted me and I honestly tell you there is no literature nor emails that I received from them to date. This was in fact part of my identity theft and should not have been placed on my file again by this company. I have reattached the my police report and FTC Affidavit where I learned that the account used to belong to XXXX  or XXXX XXXX. Both who whom I have never done business with! 

I am asking that Transunion please remove the derogatory information. It is listed on my reports now from XXXX XXXX XXXX XXXX aka XXXX in the amount of {$33000.00}. I have NEVER received such an amount and this is NOT mine. I did in fact call this company and I explained that this issue had been resolved in XXXX  and was due to my ID Theft. I have reattached my affidavit and police report which lists the account XXXX  report in XXXX  and deleted after investigation. I am to date still feeling the remnants of ID theft as far as receiving a letter from the IRS regarding someone using my identity to file taxes under my name. It has been an ordeal! 

XXXX XXXX XXXX should not be reporting something that was in fact caused by ID Theft by law. I spoke with them and explained to them that I had not got anything from them EVER and it's disappointing that they would rather destroy someones credit than to help in order to get money that was never owed. 

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

Since XX/XX/2021 an investigation has not been opened for XXXX XXXX, XXXX XXXX  and XXXX XXXX. Also, a unknown account is listed with Equifax with account XXXX with NO ORGINAL CREDITOR LISTED, how am I suppose to know who this is this needs to be removed immediately. At this point being that an investigation has not been opened and my disputes is steady going unrecognized it has passed the timeframe and now needs to be removed you are clearly violating FCRA guidelines with tiimeframe to investigate and reporting inaccurate, erroneous information. Attached is proof of the disputes that were sent in along with proof of my identity. Please consider this my written authorization. 

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

I have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified. 

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Card charges unmade by me and was charged for items that I did not buy. Every time I would make a payment on my credit card they would take off those payments for fraudulent items. Keeping my credit card at full capacity. I went into the bank and told them I need a different credit card, I was ordered the exact same card numbers. I decided to order a new card online and not activated it, I was continually being harassed to activate my card. I did not. My new card was activated without my consent. 
I would never get my rewards on my account. I would see my rewards grow up to XXXX or XXXX and then it would disappear bringing it down to XXXX XXXX XXXX XXXX 
I made a complaint to XXXX Police department in XXXX of XXXX. I gave them screenshots of the activity to prove my case. 
On the XXXX of XX/XX/2022, I was contacted by a Wells Fargo employee and they wanted to verify me and my complaint they asked me for my mother 's maiden name, I refused.
Product: Checking or savings account

On XX/XX/year>, I called XXXX after a XXXX search foXXXX XXXX customer service. The bad actor claimed to be an XXXX customer service representative. This person hacked my XXXX account, deployed a technician to my apartment from the XXXX  portal, charged me {$150.00} for a modem. The technician showed up on XX/XX/XXXX and was confused that I asked him for a modem. He said XXXX  does not sell modem, they rent them. We looked at my bank charges. The suspicious charge showed up as XXXX. This prompted me to report the fraudulent incident to XXXX and Discover. XXXX claimed there was fraudulent activity on my account and we changed my password and they took off a suspiciously added account number that was not mine. After reporting the fraud to Doscover, the provided me a new credit card. I was provided a temporary provisional credit of {$150.00}. In XXXX, I received a letter of the reversal of the provisional credit. They claimed the bad actor provided them with " valid '' documentation of service. " XXXX '' web design. The website is fraudulent. Both the number on the website and the number I originally called on XX/XX/year> are not valid numbers and in no way are associated with XXXX XXXX has written a letter and chats explaining the fraudulent activity on my account, I have provided a letter describing the incident, and an email from the vendor that does not provide receipt of supposed service. The email just claims that the charge is for XXXX help. The supporting documents that the supposed merchant provided also contradict themselves and the email he sent me. The services he told the bank that he provided are " web design help '' he also states in the receipt a supposed refund on XX/XX/year>, which clearly did not reflect in my bank statements. I have provided ample documentation to Discover Bank and they are siding with the fraudulent activity. I find this investigation to be alarming with blatant proof of fraud. I feel I should not have to fight my bank for protection against fraud. I found out from calling the Discover team that they only reviewed 8 documents out of all of the documents that I provided for them. I have proved the fraud and do not agree that the bank found the purchase to be valid. My signature was also forged by the fraudulent party in the supposed " receipt of services '' the vendor can not even show what services I supposedly received.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$250.00} Account name : XXXX XXXX XXXX {$500.00} Account name : XXXX XXXX XXXX {$9800.00} Account name : XXXXXXXX XXXX Account # XXXX {$2100.00} Account name : XXXX XXXX Account # XXXX {$180.00} Account name : Capital XXXX Account # XXXX {$320.00} Account name : XXXX XXXX Account # XXXX {$520.00} Account name : XXXX Account # XXXX {$270.00} Account name : XXXX XXXX Account # XXXX {$250.00} Account name : XXXX Account # XXXX {$180.00} Account name : XXXX XXXX XXXX XXXX Account # XXXX {$1500.00}
Product: Mortgage

I am a XXXX XXXX XXXX  Veteran as determined by the VA I have a home loan now with Penny Mac The name of the loan is in my name and my wive 's name. 

I requested to have to have the loan transferred to our revocable living Trust.

Penny Mac requested documentation to consider and allow for the transfer to our trust. 
We provided all the documents and evidence they requested. 

They stated they would be sending us a written confirmation in the mail within XXXX business days. 
They have not sent that written confirmation. 
We have been requesting ever since. 
We have made more than XXXX requests- all have been evasive and they will not confirm Because the lender ( Penny Mac ) won't send us the written confirmation that we can transfer our loan to our revocable trust, we can not complete our estate planning and they are costing us a lot of money with attorneys In the event something serious happens to myself or my wife, Penny Mac will be putting our loan and estate in chaos and probate, which could cost us years and tens of thousands of dollars All we want is for Penny Mac to do as they promised. And do what they required We have fulfilled all requirements from Penny Mac My name is XXXX XXXX. 
My Account Number with XXXX XXXX is XXXX I am XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. 
Penny Mac is wearing me out and I can not handle the stress of them ignoring me Penny Mac has a power of attorney auththorization allowing them to speak directly with my son, XXXX XXXX. I would prefer they speak with him from now on. It is too much stress on me to have Penny Mac ignore me and continue stall tactics. My son, XXXX XXXX, can be reached at ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TOLD SEVERAL TIMES BY SEVERAL XXXX EMPLOYEES THAT ONCE I PAID MY DEBT AFTER THIRTY DAYS IT WOULD BE REMOVED FROM MY CREDIT REPORT, HOWEVER IT IS STILL SHOWING UP ON MY REPORT. I SET UP DIRECT DEBIT FROM MY ACCOUNT BUT WAS NEVER TLD IT DIDNT GO THROUGH, DURING THIS TIME MY MOM DIED XX/XX/20, FROM XXXX FOLLOWED BY MY FATHER XX/XX/20 FROM XXXX RELATED AND OTHER ILLNESS, FINALLY MY SISTER DIED XX/XX/20. I WAS STRESSED OUT DURING THIS TIME CARING FOR MY SISTER AND HANDLING MY PARENTS AFFAIRS AS WELL AS BEING A XXXX XXXX WORKING IN THE XXXX. DURING THE HEIGHT OF COVID. HAVING THIS ITEM ON MY REPORT WHEN I WAS EXPLICITLY TOLD IT WOULD BE REMOVED NOT JUST REPORTED AS PAID HAS ADVERSELY AFFECTED FINANCIAL DECISIONS I AM TRYING TO MAKE. AGAIN I WA TOLD BY THREE AGENTS WITH XXXX THAT THIS ITEM WOULD BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied employment by a very credible trucking co. Because of an adverse report by HireRight . I am at retirement age,, this is destroying my life. I am communicating with HireRight,, And reached out to XXXX. 'XXXX  XXXX XXXX XXXX ',  XXXX XXXX XXXX , Utah . But XXXX XXXX is now XXXX. I have explained to HireRight ' that their report is incorrect. All of which can be proven by XXXX XXXX XXXX. Where I was instructed to break Federal rules and Laws. All of this was deleted in XX/XX/ when I worked for XXXX XXXX for 5mo. Whereby I resigned. But is now reposted by HireRight and my personal information for sale. I am in contact with my State Representative XXXX XXXX, XXXX. MN. I also contacted MN. Labor Dept. All of this has led to nothing being done. My entire life is being destroyed by a simple totally false accusation and report by HireRight.. Thank You for your time and attention to this,, Best, XXXX XXXX
Product: Prepaid card

I have XXXX, {$100.00} AMEX prepaid gift cards that I have tried using in various stores in person and online over the last few YEARS and have never been successful. I keep being told to try different places and eventually they will work, but honestly this feels like a frustrating experience that's embarrassing and will never work. I essentially have {$200.00} that can never be spent and I don't know what to do at this point.
Product: Credit reporting or other personal consumer reports

Credit fraud on my credit report from hard 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
Product: Vehicle loan or lease

I was paying for a car loan with Keybank via automatic withdrawl and when I paid off the loan, Keybank keeps taking the money out every month. XXXX was taken out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and then redeposited 7 days later. Each month I call Keybank and discuss this problem. They tell me the loan has been paid off, that there shouldn't be any money taken out. I filled out the account access form and they admit they have it on file but nobody seems to know what they are doing at the bank. They are illegally accessing my account. The last phone call was to XXXX on XX/XX/XXXX. This withdrawl was set up with Keybank, not with my bank.I am going to have to cancel their access via my bank which is going to cost me {$25.00}. I would like Keybank to reimburse me the {$25.00}, not that they can reimburse me for the time and aggravation they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute inaccurate and inconsistent late payments on my auto loan with Ithink Financial, as reported on my credit reports by XXXX and TransUnion. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account. I have not received the requested bank statement/ledger from the lender to show dates of payments. 
TransUnion is reporting 30 day late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 day late payments reporting : XX/XX/XXXX XXXX is reporting 30 day late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 day late payments reporting : XXXX, XXXX XX/XX/XXXX See XXXX credit reporting info I understand my rights under the FCRA and the duty of credit reporting agencies to conduct a reasonable investigation into disputed items. I also expect that any information found to be inaccurate, unverifiable, or incomplete will be promptly removed from my credit reports. 
Given the importance of maintaining accurate credit information, I request that you address this dispute as promptly as possible. Timely resolution of this matter will enable me to maintain a fair credit standing. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights under the FCRA and FTC Laws. Based on the laws, every information must be accurate, no errors and verifiable. Based on their investigation ( see enclosure ), they have not verified the information that shows on my Equifax credit report. I sent a certified letter ( see enclosure ) on XX/XX/XXXX asking for the validation of the unauthorized inquiries showing where I have signed any document. Please direct Equifax to remove the unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

XXXX Was 30 days late XXXX time ( s ). Was 30 days late XXXX time ( s ). 
Remove all negative remarks. 


XXXX XXXX XXXX XXXX Account # : XXXX Balance reporting : {$470.00} Update by removing negative remarks, remove late payments from report, account was to be in hardship, dispute not resolved in 30 days. 

XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$0.00} As per our previous agreement, I paid the outstanding balance in full under the understanding that the account would be removed from my credit report once the balance was settled. However, despite fulfilling my obligations, the account remains on my credit report, and I have not seen it removed as promised. 

XXXX XXXX  Balance : {$0.00} Account # : XXXX As per our previous agreement, I paid the outstanding balance in full under the understanding that the account would be removed from my credit report once the balance was settled. However, despite fulfilling my obligations, the account remains on my credit report, and I have not seen it removed as promised. 

XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} As per our previous agreement, I paid the outstanding balance in full under the understanding that the account would be removed from my credit report once the balance was settled. However, despite fulfilling my obligations, the account remains on my credit report, and I have not seen it removed as promised. 

XXXX XXXX Account # : XXXX Balance : {$0.00} As per our previous agreement, I paid the outstanding balance in full under the understanding that the account would be removed from my credit report once the balance was settled. However, despite fulfilling my obligations, the account remains on my credit report, and I have not seen it removed as promised. 

XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Account was not validated, from my dispute, please remove.
Product: Mortgage

To the CFPB : I am writing for help in getting Prosperity Home Mortgage of XXXXXXXX XXXX to stop sending me unwanted mortgage refinancing offers. I have asked them twice to stop, but I have already received XXXX offers in the last XXXX 
This is despite the fact that I have never heard of them, I have never expressed an interest in refinancing my current mortgage, I have previously contacted every single one of the many banks who have solicited me about refinancing my mortgage to opt out of further mailings, I have long ago permanently opted out of all credit offers from the XXXX XXXX XXXX, and the terms that Prosperity are offering are much worse than what I currently have, even if I were interested, which I am not. 
I got a mortgage refinancing offer from Prosperity on XXXX XXXXXXXX XXXX. I tried the phone number on their letter a couple times to tell them to stop soliciting me, but no one ever answered. 
The next day, at XXXX XXXX on a XXXX XXXX XXXXXX/XX/XXXX ), I got a callback from XXXX at Prosperity. When I returned his call, no one answered, but I left a voicemail saying I was not interested, and to stop sending me solicitations. 
On XX/XX/2023 I got a second identical unwanted Prosperity mortgage refinancing XXXX  This time I went to the companys website, and sent an email to XXXX, the person it said to contact for complaints. 
On XX/XX/2023 and then again on XX/XX/2023 I got a third and fourth unwanted solicitation, even after I had told them once verbally and once in writing to stop contacting me. 
I know from past experience that some banks and the mass mailing companies they contract with will not stop until forced to do so. If I took no action, my tiny mailbox would soon be overflowing with nothing but unsolicited and unwanted mortgage refinancing offers. This imposes an unfair burden on me, a XXXX XXXX war veteran, who has to constantly empty his mailbox and bring this junk mail to the recycling bin behind my property. 
The response code that Prosperity wrote on their letters to me is XXXX.
Product: Debt collection

LVNV Funding fraudently added a tradeline to my credit report in the amount of XXXX. I have tried to dispute this issue multiple time with the credit bureau because this company has failed to uphold the FCRA Act by not sending me no information, never was given a chance to verify that this was my debt. I did receive information from the original creditor but not from them and if the original creditor sold my debt to this company and I have received nothing in the physical mail from them and do n't even know a account number with this company how are they allowed to effect my credit score in this manner
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Actually there is no method to contact them to file a dispute currently - when logging in their page reflects they are engaging in a dispute but the credit report and the status of the dispute are inaccessible. 
Why is n't it easier to contact them? Why do they have to hide? And, what do they have to hide?
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.
Product: Checking or savings account

I was in XXXX XXXX and there was a non chase ATM charge of XXXX. They refused to investigate it and I suggested to get the ATM video and they said I needed a subpoena and also asked me for proof it was fraudulent but obviously I wouldn't have proof of fraud.