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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX
Product: Debt collection

CBCS on credit report in error. No proof of debt has been provided. Please remove from my credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX The status of this account is closed. I paid {$96.00} and its been written off. Im trying to get this potentially negative account removed off my credit report.
Product: Money transfer, virtual currency, or money service

Coinbase blocked account for no reason. Support does not respond, I wrote 24 tickets. I can not log in to my account since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX of XXXX, XXXX XXXX opened up a XXXX Rewards Credit Card with XXXX XXXX  with out my permission. I have reached out to both XXXX and XXXX XXXX  and have not received any help from either of them.
Product: Debt collection

I received the attached letter on XX/XX/2020 from the said company ( Dynamic Recovery Solutions ) stating that I have a debt that I have no knowledge of. The letter states that I have an outstanding balance of {$1200.00} with XXXX XXXX as the Original Creditor and the Current Creditor as XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting currently late on an account that was charged off in 2016 lowering my score 30 points per XXXX, they recently change the status on XXXX  to currently reporting Charge off monthly, not exactly sure if the balance showing is accurate never received notice of a surplus/deficit if vehicle was sold or when it was sold. Reporting 2 different closing dates between CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX Account & arrangement a settlement agreement. Settlement was paid to a {$0.00} balance XXXX. Account stated they will correct the information on all 3 credit bureaus and did not. Instead it still shows a past due balance which is inaccurate information.
Product: Checking or savings account

I have sent a complaint previously and they gave me instructions stating that i could send a permission to return letter to withdraw my money. My reference numbers for the complaint are CFPB XXXX XXXX : XXXX & XXXX. 
I just need DETAILED INSTRUCTIONS on how American express wants me to do this permission to return. I had my bank manager send a email to the American express fraud department. But i need exact details on who my bank manager needs to contact and every detail he needs to confirm and write to this correspondence so this ordeal goes as smooth as possible. Thank you
Product: Mortgage

I tried independently due to changes in incomes to seek a modification from my lender. There representative XXXX from Greentree told me I could not until I made about 6 payments on time. I told him I could not do that. I then went to a HUD authorized counselling center called XXXX XXXX in XXXX, Fl. since XXXX of 2015. After working with them it was decided we needed to do a Deed in Lieu. We gave our XXXX XXXX rep XXXX XXXX all information on XXXX XXXX. XXXX has been working with Green Tree and during the ensuing time they have claimed they did not have possession of the files sent although we have proof they have been sent to the contrary. Then when they do, they say they are missing some items. Etc. XXXX has detailed documentation of her back and forth experiences with them. In summary we have done our best and the delays and stalls dealing with Green Tree internal issues has astronomically causing me financial hardship. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WERE CLOSED AND PAID - THE DEBTOR DOESN'T OWN THE ACCOUNT BUT AT SOMETIME OVER XXXX  YEARS AGO RE-ESTABLISHED CREDIT OR RE-OPENED THE ACCOUNT AND THE DEBT WAS CHARGED OFF. THEY THEN SOLD IT IN XX/XX/2019 BUT DID NOT INFORM ME. 
THE DEBT IS TIED TO AN ADDRESS IS NOT MINE AND A PHONE NUMBER THAT IS NOT MINE.
Product: Mortgage

Foreclosing during the appeal period. As well as refusing to review with change of circumstances of the wife not returning to work.
Product: Checking or savings account

On Thursday XX/XX/2024 I did a mobile deposit for {$4800.00} of our refund check. My spouse and I both endorsed the check. I received an email the same day that the check was accepted. The next day ( Friday XX/XX/2024 ) XXXX XXXX I received an email from Chase that my account is restricted and may soon be closed. My direct deposit from the hospital of {$600.00} was no longer showing in my account. I called Saturday morning and provided the number so they could verify my spouses permission to deposit the check. I was told Monday morning my direct deposit funds would be available. I was also told that they spoke with XXXX at the treasury bank and verified the check. Monday the direct deposit funds are still not available and my account is still restricted. I called again and spoke to a supervisor who told me they cant verify the number to my spouse who just came to the United States from XXXX. Because their computer system shows a different owner for the phone he said they will not call to verify the number despite the voicemail clearly stating its his phone. I asked if he can come to the bank in person. They said no. My spouse also has a chase bank account so if they wanted to verify the number they could use the number he used to open his account there. But again they refused but instead told me they would keep our tax refund. Holding my direct deposit and refund check hostage because they cant find another way to talk to my spouse is unethical.
Product: Debt collection

It seems too much of the extra debt collected was applied to interest ( with seemingly no credit ) and not principal.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax for over 3 years now attempting to have my credit file Opened. I have been denied loans because the creditors are unable to access my credit file. Each time I call I am told that if I send a copy of my drivers license and social security number this issue will be resolved. 

On my recent call to Equifax I was told that they had the incorrect date of birth on file and that was the reason it was locked.I sent a copy of my drivers license and social and the issues still remains. When I login to the Equifax website there is no report to view but the account says that my credit file is not locked. 

I have been contacting Equifax for years to have this resolved and no one seems to be able to fix the issue.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted that I was in fact a victim of this breach, and have done nothing to rectify the situation. Please help me remove the illegal account reportings from my credit report. 

XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  acct # XXXX XXXX/ XXXX XXXX Acct # XXXX I am requesting that these late payments and accounts be deleted from my report.
Product: Debt collection

I keep getting texts from them, they are confusing listing several companies I owe for the same debt on behalf of, on behalf of, etc. they keep texting me but will not answer me. 

Example : This text is from Halsted Financial, a debt collector regarding your XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) account. Visit XXXX  XXXXXXXX XXXX XXXX  Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. Reply STOP to opt out. 

Example : Visit XXXX or call XXXX to take advantage of payment options on your outstanding balance of {$1100.00} for your XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) account. 

Pay : - {$440.00} in up to 4 monthly payments. 60 % off, that's a savings of {$670.00}! 
- Flexible payments on the Total Balance of {$1100.00} - Payments as low as {$50.00} - One time payment of {$1100.00} This text is from Halsted Financial, a debt collector. Reply stop to opt-out
Product: Credit card or prepaid card

This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, XXXX XXXX XXXX XXXX Acct XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Debt collection

I did not give the following Companys LVNV Funding LLC {$500.00}, XXXX XXXX XXXX {$550.00} written consent to furnish my Account
Product: Credit reporting

Experian refuses to remove an account that is not mine from my Experian credit report. The account is with XXXX XXXX CARD and the Account Number is XXXX .... This account is not mine and I have informed the credit grantor who has advised me they will remove it from my credit report, but Experian refuses to do so even though XXXX and XXXX have removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to file a legal complaint. Equifax credit bureau has illegally without federal trade commission approval contracted a company by the name of XXXX score that is utilizing Equifax data to do credit scoring on consumers. XXXX score are not one of the 3 national credit bureaus registered through United States Federal Trade Commission in Washington DC. 
I will not have this unknown company called XXXX score discriminating against me for my credit score. An unknown company called XXXX score not registered through Federal trade Commission continues to trash my credit report under the Equifax credit bureau licensing. 
In the past year since my eight-year-old bankruptcy I XXXX XXXX XXXX has worked extremely hard as XXXX to reestablish my credit. I refuse to allow this company licensed through Equifax and not licensed by federal trade commission. Whoever these vantage score people to rate my credit and to have any kind of processing on my credit report I demanded these people be pulled off whoever XXXX score is they have no LEGAL right to grade my credit and or credit score. I am also filing a FORMAL complaint because Equifax continues to discriminate against me by continuing to force a poor credit score on my credit file. 
if you would review my credit reports from XXXX and XXXX  you will come to a decision whereas Equifax has not and will not commit to practicing the unfair credit act laws My credit file listed at Equifax so deserves more than a XXXX-credit score and I demand that you and enforce Equifax to properly grant me the credit score I deserve. After reviewing my credit report and you will see that I deserve better than a XXXX. 

For the past 3 years, Equifax has managed in corruption with this unknown illegal company XXXX score that is not registered through Federal Trade Commission to illegally extort my credit file as well as my credit score. 
I am filing formal complaints asking federal trade commission in Washington DC to act, enforce its agency to cease and desist Equifax and whoever XXXX score is to no longer give a credit score or a credit rating on me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account as reported and believe it does not meet the FCRA guidelines. The payment history, payment standing, current balance, past due balance, date open, date last active, and date of first delinquency are all incorrect or in some cases completely missing. I ask that you get this fixed so that the account reflects a complete picture of my credit ability. XXXX XXXX XXXX is a debt management plan that I participated in from XX/XX/XXXX to XX/XX/XXXX that managed all accounts and payments as agreed by Me and all account holders involved.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted un

der 15 U.S.C. 1681n and 1681o. This letter is your final notice to rectify your violations. Your failure t
o comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I am writing as a victim of a data breach and identity theft. As a result, the following unauthorized inquiries have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the listed inquiries from my credit report. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reported an unauthorized XXXX account was opened using my personal information. Based on my report, they opened a fraud claim and referred the case to there fraud department for investigation. they concluded the investigation on XX/XX/XXXX with the fraud claim not resolved in my favor. 

Per request, they reopened my fraud claim for an additional review on XX/XX/XXXX, XXXX their additional investigation concluded on XX/XX/XXXX with the decision to overturn the previous denial and resolve the claim in my favor. And said the credit reporting bureaus were notified to delete any derogatory information pertaining to the unauthorized account from your credit bureau report. And asked to allow up to 60 days for the credit bureau to update.
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent inquiries that I did not authorize. These inquiries are not mine, and I have no connection to them. These inaccurate inquiries are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. Thank you for the prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX  XXXX.
Product: Debt collection

Was told I would have to appear in court with no date specified also the agent and I quote " good luck in court '' and then hung up ... At the age of XXXX I did not have a credit card with a XXXX credit limit which I tried to explain to him and at that point is when he hung up on me
Product: Debt collection

I initially reached out to dispute the debt reported by PlusFour Inc., as I do not recognize the account or the medical procedures it claims to represent. In response, PlusFour provided medical information and a receipt related to radiology procedures allegedly performed on XX/XX/scrub>XXXX XXXX XXXX  However, I have no recollection of undergoing such procedures or authorizing any charges related to them. 

Additionally, I never gave consent for my medical information to be shared with any third-party collection agency. This raises serious concerns about potential violations of my HIPAA rights and the accuracy of the debt being reported. 

I disputed these results with XXXX and received generic response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

The Way2Go  Card is a new way to receive a Nevada Unemployment benefits. On XX/XX/XXXX I called XXXX to speak with a Go Program Customer Service representative about an ATM withdrawal ( in-network ) fee. Based on " XXXX XXXX  Prepaid Mastercard Card Terms of Use '' ( version XXXX ) which was sent with a card : " There is no fee for in-network ATM withdrawals conducted at XXXX and XXXX ATM locations. In-network locations can be found at XXXX XXXX XXXX and XXXX. When using your card at an ATM, the maximum amount that can be withdrawn from your Card account per calendar day is {$500.00}. ". 
On XX/XX/XXXX I tried to withdraw money at locations found on moneypass.com/atm-locator.html which was : 1. XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( card was not accepted ) ; 2. XXXX at XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( ATM charges an additional fee ) ; 3. XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX ( ATM charges an additional fee ). 

When you receive an unemployment benefits every penny is important and you expect to have easy access to full amount received to your account, but a " List of all fees for Nevada Way2Go Card Prepaid Mastercard '' is misleading customers. You would think a fee for an ATM withdrawal ( in-network ) is {$0.00}, but you are wrong. You will be charged an additional fee. This card is for an unemployment benefits and we want an easy and free access to our money. Looks like the only way to get a full amount of benefits for free is at teller-assisted cash withdrawals Mastercard Member Bank or Credit Union teller window.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being, I have rights under 15 USC 1681..

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.I demand the rights listed below to be removed because According to 15 USC 1681. I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

Accounts .... 

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, my consumer rights to privacy have been violated. I have a federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A., I have a right to privacy and In order to furnish my consumer report I must give Written instructions. I never gave anyone written or verbal consent at any time. 

The Following Collection does not belong on my credit report XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Account # : XXXX