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

15 U.S. Code $ 1681c-2 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 this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

LOAN # XXXX Borrower : XXXX XXXX Property Address : XXXX  XXXX XXXX XXXX XXXX WA XXXX *** This is a second lien on a property we've been trying to complete a short sale on for many months. We have secure 1st lien approval which expired as of XX/XX/XXXX and an extension is currently pending. This property was set to be foreclosed on XX/XX/XXXX however, luckily we were able to get the first lien to postpone but they almost hadnt due to this lien holder taking so long. 
I have called literally every day to follow up and have been told for 30 days now that the approval letter should be ready " tomorrow ''. Yet, it never arrives. All parties, especially the buyer is extremely upset and frustrated with these false promises. The company is receiving the net they are wanting and there are no reasonable explanations for the continuous delays.
Product: Money transfer, virtual currency, or money service

On XXXX, a person who goes by the name of XXXX scammed me out of {$120.00} for music festival passes on XX/XX/2019. The event was called XXXX XXXX XXXX.He sent a zelle request under the name of XXXX XXXX saying it was his business account. He claimed he was on tour dj'ing and will let me pick up the passes at will call. When I inquired about receiving a confirmation email, he blocked me on XXXX.i proceeded to contact him on XXXX and he blocked me on there.I contacted my financial institution ( XXXX ) to report it. It is being investigated. I also contacted Zelle and they opened a case.Upon doing research, his name is XXXX XXXX XXXX and he is from XXXX, IL. I saw on XXXX, several other people have been scammed by him. I was not able to screenshot the messages on XXXX between us because I was blocked. They all disappeared.
Product: Debt collection

I have filed at least three disputes with Rent Debt Automated Collection XXXX, XXXX, XXXX  and XXXX  with regard to an erroneous, fraudulent item being reported by Rent Debt to my credit file. In each of the disputes I have stated that I did not sign any purported lease at anytime and I did not or do not owe any debt to Rent Debt. Although I requested verification of the debt and disputed the debt back in XXXX, XXXX XXXX failed to provide verification or validation of the alleged debt. I have filed and requested disputes under Section 609, 611 FCRA and The FDCPA and never received any sort of documents or opportunity to. Dispute the debt or proof that I owe the debt. Recently, Rent Debt sent me a document consisting of only one page, not executed and bearing a fake signature claiming to be mine. 

I am enclosing my fourth notice of dispute, my executed affidavit and demand that this erroneous item be immediately removed from my credit file based upon the violations of Rent Debt, XXXX, XXXX  and XXXX  to comply with The Fair Credit Reporting Act Sections 609, 611 and The FDCPA. Please find the attachments to my complaint.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment duringXX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

Citi responded to CFPB case XXXX stating a refund {$3600.00} would be issued by XX/XX/ to my checking account by ACH deposit. 

It was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's experian XXXX and XXXX  ( XXXX ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( EXPERIAN ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Checking or savings account

Robinhood has a interest product for my cash that's in the account. I deposited and held over XXXX dollars available for them to provide the 4.6 % interest which should have been earned over the past two months. They made me sign up for Robinhood gold for {$5.00} per month as well which I did. I spoke to someone on Support who helped with this and my money was earning interest and then all of a sudden went away. 

They owe me XXXX x 4.65 % for 2x months. That's going to be around {$500.00} dollars they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Service Finance COMPANY FILE A ILLIGLE UCC ON MY PRAVITE PROPRTY WHILE WAS ASKING FOR VALIDATION AND AFTER I USED 15 USC 1635 RESCIND ING MY SIGNATURE WHICH IS ALSO MY PRIVITE PROPERTYOF ALLGEGED DEPT BREAKING 15 USC 1691, NEVER VALIDATED THE DEPT SENT ME A PRINT OUT FROM THEIR COMPANY AND NOT XXXX BALANCE 15 U.S. CODE 1666d Treatment of credit balances, they disclosed my information to15 USC 1681 Section 602 States I have the right to Privacy.15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX a third party without my consent 15 USC code 15 6802
Product: Debt collection

Several people identifying themselves as lawyers from the firm of XXXX XXXX XXXX called me and my immediate family multiple times each in the same day. The names they used were XXXX XXXX and XXXX XXXX. They were EXTREMELY rude -- even going so far as to harrass my XXXXyear-old mother to the point of tears and a XXXX XXXX XXXX. When I contacted them to see what they were calling about, they spoke extremely fast so that I could not write down the details. When I asked them to slow down so I could take notes, they became agitated. When I asked questions for clarification or further details, they became angry and said that " I didn't have this many questions while I was charging money on a credit card that I had no intention of paying. '' They proceeded to berate me, even questioning why my company would hire such an " XXXX '' to be a manager. I remained calm and asked them to do the same. I asked them to send me a letter providing me with their claims in writing, and they said if I wasn't going to make a settlement agreement immediately on the phone that they would begin court proceedings. I explained that I was simply trying to get to the bottom of their claims, but they just replied that I was being uncooperative and hung up on me. I called the financial institution they said the debt was from, and they had no record of the credit card or the debt under my name or social security number, and also told me that they were not looking to collect any money from me.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to access my credit file for business. My XXXX  credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX is my info. Please REMOVE/DELETE the fraud alert Notes from my file so I can access my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Mortgage

XXXX HAS COVERED UP AND ASSISTED IN NUMEROUS COUNTS OF LOAN FRAUD. XXXX AND FREEDOM MORTGAGE ARE ALSO GUILTY OF ILLEGAL LOAN ORIGINATION, EMBEZZLEMENT, CONSUMER FRAUD AND MORE. 

IN AN ABSURD CLAIM OF LEGAL INTERPRETATION, INTENTIONAL FRAUD IS WRITTEN OFF AS ACCIDENTS AND THE CONSUMER IS RIPPED OFF WITHOUT RECOURSE INTERNALLY. EVEN MORE BIZARRE, FRAUDULENT LOANS ARE NOW VALID BECAUSE THEY SOLD IT ... ILLEGALLY. 

ATTACHED IS A SETTLEMENT OFFER TO END THIS DISPUTE ONCE AND FOR ALL
Product: Credit reporting or other personal consumer reports

I tried to buy XXXX XXXX, XXXX informed me that LexisNexis Reported incorrect information that doubled my insurance premium rate. I requested my Personal LexisNexis Risk Solutions Report Online, Provided LexisNexis with every piece of information they need, then I received some generic letter stating that LexisNexis was unable to authenticate my Identity. If LexisNexis was unable to authenticate my Identity, why did they post and report inaccurate and incorrect information to my consumer report? why did LexisNexis provide XXXX with inaccurate information about me? why did LexisNexis decline to provide me with a copy of my own report to dispute the inaccurate and false XXXX with inaccurate information about me? I provided LexisNexis with everything they asked for : Full Name : including first, middle and last name Current address including zip code Current phone number with area code Full Social Security number Full Date of Birth ( month, day, and XXXX digit year ) and still received the same useless generic letter. 

LexisNexis is in violation of FCRA, and of LexisNexis own policy = ( You have the right to know what is in your file. You XXXX request and obtain all the information about you in the files of a consumer reporting agency ( your " file disclosure '' ). You will be required to provide proper identification, which XXXX include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : - a person has taken adverse action against you because of information in your credit report ; - you are the victim of identity theft and place a fraud alert in your file ; - your file contains inaccurate information as a result of fraud ; - you are on public assistance ; - you are unemployed but expect to apply for employment within 60 days. 
- In addition, all consumers are entitled to XXXX free disclosure every 12 months upon request from each XXXX credit bureau and from XXXX XXXX consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed late payments posted on my credit report from the following account : XXXX XXXX XXXX Experian is in clear violation of the law. Under 15 USC 168ib - Permissible purpose of a consumer report, the law clearly states : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give written instruction to furnish this account on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681 s 3, ( i ) any report containing information solely as a transactions or experiences between the consumer and the person making the report ; Therefore, late payments should not be on my consumer report.

Delete the above account from my consumer report, as this agency is in violation of 15 USC 1681.
Product: Credit reporting

SENT SEVERAL LETTERS TO TRANSUNION. 
DID N'T GET REPONSE TO MY COMPLAIN.
Product: Credit reporting or other personal consumer reports

Kindly update my account this causing me a lot of XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I had a bank account in XXXX that went to collections. I paid the account off in full and was told that it wouldn't stop me from getting approved for anything in the future. since then, it has shown up as the number XXXX reason why companies don't want to lend to me and it has been almost 10 years since I had that account. It is messing with my progression and causing me to miss out on opportunities. The debt was XXXX dollars and the time it was reported in XXXX of XXXX. The company name is XXXX XXXX XXXX XXXX. The account has been paid in full since then and I have contacted the the bank, requested a goodwill removal of the negative account, and sent out multiple dispute letters with no solution.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate employer information on my credit report for the second time, as my previous request was not properly addressed. My current employer is XXXX XXXX XXXX XXXX, and any other employer listed on my credit report must be immediately deleted, as it is incorrect and does not reflect my actual employment record. Under the Fair Credit Reporting Act 15 U.S.C. 1681b, credit reporting agencies are legally required to ensure that only accurate and authorized information appears in a consumers credit file. The continued presence of incorrect employer details, despite my previous dispute, violates the FCRAs permissible purpose rules and may lead to the misuse of my personal information. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation and correct or delete any disputed inaccuracies. Failure to comply is a willful violation under 15 U.S.C. 1681n, making the responsible parties liable for up to {$1000.00} per violation in statutory damages. Since this is my second dispute, I expect immediate action to correct this issue. I demand that all incorrect employer information be permanently removed from my credit report and that I receive written confirmation of these corrections. If this matter is not resolved promptly, I will escalate my complaint further and take all necessary actions to ensure full compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the method of verification and proof on the accounts that were reflecting on my credit report that were incorrect and erroneous but no proof and response provided.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Transunion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Transunion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Transunion has violated its legal obligation to maintain accurate and reliable consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Transunion has failed to conduct a proper investigation or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activities. Transunion 's failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Transunion credit report and assurance that Transunion will take appropriate steps to prevent similar inaccuracies in the future.

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report.

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX executed a hard inquiry without my knowledge or consent in XXXX
Product: Checking or savings account

My husband deposited a check that is in both of our names on XX/XX/XXXX at the bank of the west XXXX XXXX XXXX XXXX Colorado XXXX for {$1500.00} and this bank lost our check and they are just giving us the run around of not knowing when this issue will be resolved. First they told us oh it is probably still in the ATM will now the story is they cant find it. I want the money and I want it now with out the run around. This is their fault they need to fix this. My husband has proof of depositing the check.