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

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion Consumer Relations I am writing to request the addition/update of my phone number for any active Security Alerts associated with my credit report. My previous phone number is XXXX or XXXX ( old mobile number ) is no longer valid due to recent changes in my personal circumstances. As I value the security and privacy of my credit information, it becomes necessary for me to update this detail accordingly. Please add/modify the following new contact information : Phone Number is XXXX ( new phone number ). In light of this communication, I would appreciate if you promptly activate/modify any existing Security Alerts linked with credit report and ensure that future suspicious or important account activities are duly communicated via new contact details. It will be highly beneficial in safeguarding me against identity theft incidents while monitoring any unusual activity affecting my credit score or personal data. Thank you for your immediate attention and cooperation regarding this matter.

Please acknowledge receipt of this notice and confirm the implementation of these changes within seven working days. Failure to appropriately act on this matter may result in further legal action or lodging a complaint with relevant authorities such as Consumer Financial Protection Bureau ( CFBP ), Federal Trade Commission ( FTC ) or other applicable bodies. 

I am highlighting the old disconnected phone numbers to be removed from my Security Alert. They will be highlighted in Yellow under CREDIT REPORT MESSAGES Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX. XXXX  around XXXXXXXX XXXX  in the XXXX  my account with Cash App was cashed completely out to a debit card that was linked to my Cash App account called XXXX XXXX XXXX  out of XXXX XXXX Cash App claims that I linked this debit card to my account over 2 years ago. I reached out to XXXX XXXX XXXX  to find out where my money went. They claim that no such transaction occurred and there was no transaction associated with reference number Cash App gave me. I reached out to Cash App several times to investigate and open a case, they open the case for a few days but close it out without telling where my funds were. {$990.00} was taken from me plus instant transfer fee. I need help. I never owed an account with this bank and where is the transfer at?
Product: Money transfer, virtual currency, or money service

Robinhood Markets , Inc., XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXXXX/XX/2023 - My entire stock portfolio was liquidated without my consent. A money transfer for {$16000.00} was initiated from my personal bank 's checking account to Robinhood, without my consent. I notified Robinhood on XX/XX/2023 of a possible security breach with my account and an investigation was allegedly initiated ( case # XXXX ). I never heard from them again. Access to my account has been blocked. Emails are not returned. Customer Service can only be accessed via an online account or by using the mobile phone app. My access to both has been blocked.
Product: Money transfer, virtual currency, or money service

I am a XXXX  that uses payfare through dasher direct. Dasher direct gives an option to transfer earnings to your bank, if so choose. 
Well, on XX/XX/year> I use this method and have not received my earnings to this day. I've called customer service about this issue 7 business days later. I was told then, the issue will be escalated and investigated. Here it is weeks later with no emails as to the steps of the investigation, nor any conclusion of said investigation. Now they put me hold and then hang up
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and negatively affecting my financial standings.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notice unusual activity on my credit report. This is fraudulent activity. Fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX / XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I had unauthorized transactions on my Zelle account. I never got a refund they told me there was nothing they can do about it.
Product: Credit reporting or other personal consumer reports

I noticed a few hard inquiries. 
Hard inquiries from things like credit applications .i never made none of the company to pull my credit score. 
XXXX 2024 threw XX/XX/year> I never
Product: Credit card

The company had a question on some charges and flagged the account for fraud. Verified that transactions were true on XXXX. Was flagged a week later the company said that they could not verify who I was so sent a letter and locked out my account for 7-10 business days until I receive their letter and can verify who I am. My wife was out of town and had no access to the account if anything happen while she was out of town and needed access.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$3000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

****Hello, My name is *XXXX XXXX* XXXX I have been trying to complaint about incorrect problems exist in my credit report over past year but it has no success. According to my recent credit report request from Transunion.com, there are several inaccurate name, addresses on my report that might cause really bad effect to my credit profile. I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are the name and addresses that need to be removed urgently off my credit report : ************************************************ *NAMES REPORTED : _XXXX  XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ************************************* & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & Please investigate all of the negative collections : FIRST FEDERAL CREDIT Reported : XX/XX/XXXX ** XXXX XXXX XXXX Reported : XX/XX/XXXX **XXXX  XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, Reported : XX/XX/XXXX **XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX and all of the hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg.
Product: Credit reporting or other personal consumer reports

I have contacted Experian multiple times and have sent a certified letter to delete inaccurate personal information reporting on my credit report. They refuse to delete an address not belonging to me. This address XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX does not belong to me and needs to be deleted. 

Please note that I have attached copies of my current Drivers License which clearly identifies my accurate full names as well as my address. 

According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Therefore, my position is being clearly stated, these personal information items as reported are in error, meaning that you are reporting inaccurate information within my credit file. The fact that these are inaccurate account information means that you, this credit reporting agency, are reporting incorrect accounts/and or items.

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

1. 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 four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of 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 relating to the transaction by the consumer.

I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to free copy of my credit report, so I am requesting a free credit report and that all of these personal information items be permanently blocked and deleted. 

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

To whom it may concern, You state that the inquiries on my credit report are factual. You delivered dispute results to me on XX/XX/XXXX at XXXX outside of the CFPB , which is the only place I gave you permission to contact me, that is a {$1000.00} fine. Furthermore, you state that you completed an investigation and the inquiries are a factual record. Pursuant to 15 usc 1681a ( e ) -The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Who did you interview as required by law? The items need to be deleted from my credit file immediately as required by law. 
XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I am submitting a formal complaint against Spring Oaks Capital LLC for their collection activities on behalf of XXXX XXXX XXXX. The issue at hand involves their ongoing attempts to collect an alleged debt of {$830.00}. Despite my request for verification of the debt, Spring Oaks Capital LLC has not provided adequate documentation to validate the claimed amount. The lack of transparency concerning the alleged debt, including specific dates, charges, and supporting documentation from XXXX XXXX XXXX, raises significant concerns. The actions taken by Spring Oaks Capital LLC have been persistent, and it is essential to assess whether these actions comply with the Fair Debt Collection Practices Act ( FDCPA ). I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter, seeking resolution through proper verification of the debt, cessation of persistent collection efforts, and the provision of detailed information pertaining to the alleged debt. I refrain from providing personal information in accordance with CFPB guidelines but am willing to provide necessary details upon request. Your prompt attention to this complaint is appreciated.
Product: Credit card or prepaid card

Hi, I got closed all my credit card accounts with no legit reason, and I believe the only reason this was done is due to discrimination against me and my family, since everyone in my family got closed down with different nonsense reasons, I and my family had a long standing great relationship with chase and we always made payments on time and being shut down took a toll on me and my family, and ruined our reputation with our clients and community
Product: Credit reporting or other personal consumer reports

I don't have any idea why but it's showing some inaccurate accounts and I don't know why. Please see the attached documents that I don't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 I sent letters to XXXX, XXXX  and experian requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Urgent Dispute of Fraudulent Auto Loan on My Credit Report To Whom It May Concern, I am writing to request your immediate assistance in addressing a fraudulent auto loan that has been reported on my credit file. This loan, supposedly issued by Global Lending Services with a balance of {$30000.00}, is a blatant act of fraud that has nothing to do with me. 

Here are the details of this fraudulent account, taken from my Credit Karma account : Account Holder : XXXX XXXX Loan Amount : {$30000.00} Loan Type : Auto Term : XXXX  months Account Status : Open Opened Date : XX/XX/year> Lender Contact Information : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX : ( XXXX ) XXXX I am outraged that Global Lending Services has XXXX this XXXX fraudulent activity. This company, which is based in XXXX, XXXX near my residence in XXXX XXXX, XXXX clearly engaged in unscrupulous practices by associating this fraudulent loan with my credit. 

This false information is causing undue stress and has the potential to severely impact my XXXX XXXX and financial wellbeing. It is unacceptable that a company can engage in such fraudulent activities, and I demand that this issue be rectified immediately. 

I am asking the CFPB to investigate XXXX XXXX XXXX ' role in this fraudulent account and to ensure that this fraudulent loan is removed from my credit report as quickly as possible. The lender must be held accountable for their actions, and this fraudulent activity must not be allowed to damage my financial reputation. 

I have already contacted XXXX to dispute this account and will be pursuing further action against XXXX XXXX Services if necessary. I trust that the CFPB will take the necessary steps to assist me in resolving this matter swiftly. 

Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Debt collection

CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Student loan

I have federal student loans as a result of attending professional school. I've attempted to enroll in the SAVE program to repay my student loan, which calculates 10 % of your discretionary income as a cap for payments. 

My wife is also a federal student loan borrower and enrolled in the SAVE program. Because we file taxes jointly, our payments should both total 10 % of our income. My federal servicer, Aidvantage, shows that my payments should be {$710.00} per month once my wife 's student loans are considered. Each time I speak with somebody, they promise they will get it fixed but the system ultimately returns a monthly payment amount of {$1100.00} because they are not factoring in my wife 's student loans. I've spent countless hours on the phone and several thousands of dollars in interest have accrued.
Product: Credit reporting or other personal consumer reports

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ALL 3 CREDIT AGENCIES VIOLATED MEDICAL PRIVACY ACT " HIPAA '' REPORTING FRAUD MEDICAL ACCOUNTS, OUTDATE AND NEVER DONE BUSINESS WITH MEDICAL PROVIDER, NOT MY ACCOUNTS
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my consumer report, I have identified violations of my consumer rights. According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Definitions : Rules of Construction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Late payments qualify as transactions, and utilization reflects an experience generated by credit usage. 

XXXX, XXXX, Equifax has reported late payments on multiple accounts ( XXXX ACCOUNT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX, and/or utilization, both of which are based on credit usage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer reporting agency may only furnish a consumer report under specific circumstances, and only with the consumer 's consent. I have not provided XXXX with written consent to report such information, including late payments or utilization details. 

Additionally, according to XXXX XXXX. XXXX XXXX, the Congressional findings and statement of purpose emphasize the need for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. The law also stresses that the accuracy of credit reporting is essential to the functioning of the banking system. Inaccurate reporting damages the efficiency of the banking system and undermines public confidence in credit reporting, which is vital for its continued operation. 

The reporting of these late payments and utilization is both inaccurate and a violation of my privacy. XXXX has infringed upon my consumer rights by allowing this erroneous information to appear on my consumer report.