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

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education XXXX ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these remaining disputed items get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I filed a bankruptcy which was dismissed on XX/XX/2020. However XXXX XXXX obtained the information and have sent it to all 3 credit bureaus. I have sent multiple letters requesting validation and asking for it to be removed. Experian continues to update the information as current when it needs to be completed removed because it was dismissed it never happened.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and 'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. 
However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. 
Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3. Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 
Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : 1. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3. Immediately block or remove all inaccurate information resulting from the identity theft. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

DXXXX XXXX
Product: Debt collection

I have reason to believe that my information may have been compromised due to fraudulent activity. I have an account reporting on my credit that I did not authorize nor give anyone else consent. The information being reported is inaccurate and does not belong to me.
Product: Mortgage

I am trying to refinance my mortgage with a different company and when the lender pulled my credit report, US Bank reported incorrectly on the credit bureau that my mortgage payment is not current and this has affected me in a negative way in refinancing process. I am current on my mortgage payment. The lender in which I am trying to refinance is asking for a letter from US Bank stating that I was not late in my payments for more than 30 days in the past 12 months and my next payment due date is. I contacted US Bank on Friday XX/XX/XXXX and provided them a fax number to where the letter need to be sent to. I was told that a rush request were submitted for the letter to be sent within 48-72 hours. I contacted US Bank again the next day inquiring about the letter, the representative I spoke with stated there was no note about the rush request. The representative emailed me and the lender of my 12 months mortgage payment history which was not the lender was asking for. That letter is what the refinance lender is asking for and US Bank is dragging its feet to provide a solution in fixing the problem it had created.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used my XXXX XXXX to send {$1100.00} to my nephew using Venmo. XXXX has this feature where you can send directly from your checking account to a Venmo recipient. It sends the money as a disbursement to the phone number attached to the Venmo acct. My nephew changed his phone number and the money was sent to his old number. Venmo can not apply it because the number doesn't exist anymore and they cant apply it to his new number, even though its him and hes been verified. There is nobody in the world that has the old phone number. It has been recycled by XXXX. Venmo has not gotten back to me regarding how they are handling it. XXXX as well said they cant recall the money back and it's at Venmo. I have been trying to email and call them but we never get any results. Its been over 6 weeks, and neither I or my nephew have the money. Its in cyberspace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year on XX/XX/XXXX disputed a couple of marks on my credit report issue that the collection agency agreed to remove due to my XXXX   military XXXX XXXX and getting XXXX overseas, XXXX   and XXXX did not removed my negatives on the picture it shows when I started the dispute on XX/XX/XXXX and the  collection came back to them with results until XX/XX/XXXX they fail to respond to my dispute within 30 days and still didn't removed it they took over the 30 days stipulated by the consumer protection afforded by the FCRA, FCRA Section 611 Part ( A ) ( 1 ).
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I called the credit reporting agencies letting them know the inquiries are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Product: Student loan

Reliant Capital Solutions are trying to collect on a student loan that is not mine and claim that the US Dept of Education has hired them to collect it. They contend that the Dept intends to order my employer to withhold 15 % of my income to pay back a loan that is not mine. I think they are a fraud as they contend that the Dept is in XXXX Tx. I recivedtheir letter on XX/XX/XXXX. The loans are from XXXX and XXXX.
Product: Mortgage

My family and I have been experiencing a severe financial hardship for multiple reasons, most of which are outside of our control ( medical, unexpected repairs, etc ). In XX/XX/XXXX, our mortgage lender, Wells Fargo allowed us to submit a modification request in hopes that our payment would be reduced so we could keep our house. At that time the number of missed payments had not triggered foreclosure proceedings, so we had hope that after over 10 years of making payments Wells would take a serious consideration at our request to make our payments affordable, even if it was for a short period of time. Unfortunately the request was denied, and I was disgusted to find out that the reason Wells gave us ( in writing as well as verbally ) wasn't because lack of affordability, but because the Loan to Value was so low that they would missed on an opportunity to sell it at foreclosure and make a profit. We're seriously in shock at this decision. Because we owe slightly under {$200.00} thousand and the house is worth over {$300.00} thousand they would rather take it from us and sell it? This seems very unreasonable and one sided. We love our house and don't want to lose it. 
To make things worse, three weeks ago we attempted to submit a new modification as our finances changed ( not by much, but we thought it might've helped ). Well, we spoke with at least five different Wells representatives and all indicated that it was absolutely possible to submit a second modification after the first one was closed. Long story short, they kept asking us to call back every other day to check on that status, so we did, but yesterday I spoke to the sixth Wells representative, whom in a very condescending way said : " we're sorry but because you're in Texas and the bank has already established a day of sell, we are unable to accept another modification ''. I explained that five other employees had led us to believe that this was possible, and he basically said " I'm very sorry but those employees shouldn't have given you that information as it is wrong '' ... Now our only option is to try to rush a sell on our side, and we have less than a month to put it on the market, get a contract, get the buyer qualified, and close, which is virtually impossible to do in less than 30 days! 

This is a clear example that Wells is taking advantage of our good will. As much as we hate to be in this situation and know we have let our lender down, we are also humans and unfortunately life has been really rough in the last two years, but we are still alive and have the strength to continue to push forward, we're only asking for some temporary help. Unfortunately when it comes down to assisting consumers, regardless of their high level of loyalty, Wells still only cares about one thing : Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

this dept doesnt belong to me and i need it deleted off asap
Product: Money transfer, virtual currency, or money service

i am filling this complain against cash app ( Block , Inc, ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take the timely and effective measures to prevent and address fraud on their platform, leaving me account venerable and unprotected. Furthermore, their dispute resolutions process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have cause a significant inconvenience and financial loss, and I see k appropriate redress for these violations. 





I had several fraudulent transactions that were reported to cash app with no resolution XX/XX/XXXX {$500.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$690.00} There were more than listed.
Product: Payday loan, title loan, or personal loan

I spoke with XXXX 's in XX/XX/XXXX about me losing my job and needed to have a cheaper company refinance my loan. But do to XXXX 's not keeping car titles locally keeps other companies from being able to buy out my loan at a cheaper rate. I did not realize XXXX charges almost 50 % more than other title companies. Although XXXX agreed for me only to finish paying {$1200.00}, the whole point was that i am unemployed and have no income. i have struggled and able to pay {$800.00} of that but i am unable to come up with the last {$400.00}. i am a single mother of XXXX kids and this being our only form of transportation, i should not have to lose my car over {$400.00} when in reality i have paid back what i originally borrowed to begin with plus interest. my original loan was {$1500.00} and ive paid {$1800.00}. so they have made money off me. I lose our car i have no transportation for me and my children
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple misspelling of my name and wrong addresses on my credit report along with my employment history being incorrect.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the presence of certain unauthorized hard inquiries listed on my credit report. These inquiries were not initiated by me or authorized in any way. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. 

The inquiries in question are : XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  - Date : XXXX XXXX XXXX XXXX  - Date : XXXX XXXX XXXX XXXX  - Date : XXXX XXXX XXXX  - Date : XXXX XXXX  XXXX - Date : XXXX XXXX XXXX XXXX - Date : XXXX XXXX XXXX XXXX - Date : XXXX XXXX XXXX XXXX  - Date : XXXX XXXX XXXX XXXX -Date : XXXX XXXX  - Date : XXXX XXXX  - Date : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - Date : XXXX XXXX XXXX - Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX  - XXXX : XXXX I kindly request that you investigate these inquiries and provide me with the following : Proof of my consent for the listed hard inquiries. 
Documentation verifying the legitimacy of these inquiries. 
If you are unable to provide verifiable documentation that these inquiries were authorized, I request that you promptly remove them from my credit report. 

Please be advised that I have enclosed copies of relevant documents to assist in your investigation ( e.g., my identification, proof of residence, and a copy of the credit report highlighting the disputed inquiries ). 

I look forward to your prompt response to this matter, as I expect to hear from you within 30 days in compliance with federal law. Please contact me in writing at the above address should you require any additional information. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

I told Wells Fargo these transactions was n't me and someone took XXXX Out my account I made a fraud claim n you denied it and it s unfair and ca n't afford this. I should be protect by the bank n the insurance .. this bank is no good
Product: Money transfers

was issued a check via mail, to deposit into account for a sale made through internet- the check cleared - on request have a XXXX made for amount of fee to be sent to XXXX party. - on doing so ( XXXX XXXX Me ), the purchasing party pulled/ declined payment on their check - taking from my account amount paid out on money gram.