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

WWW.annualcreditreport.com which the bank uses for their bureau pulls is fraudulently taking XXXX points for my score to make it where the bank can charge more interest// my score at XXXX is XXXX and the sent to the bank stating on their report their XXXX at the top of it but at the bottom of it is them and they toke XXXX points off my score so the bank could charge more interest for a loan and that is fraud. it has to show what is on XXXX and they can not refigure are change it by fair credit act. it is to show what is on your bureau when it is pulled by law and theft are evading the law to make it for the ones they pull for more interest on the loans. and that is theft of services
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

U have three accounts reported to idintay theft and the credit bureau of Experien refused to remove or take the id theft report and gave them the id report but refused to investigate the mater and after two thirty days waiting they brushed me off and the report stay the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$890.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$8500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Mortgage

I am a customer of XXXXXXXX XXXX or XXXX Since my time with them, Ive experienced XXXX data breach. Currently, my husband and I are victims of identity theft which our credit, credit cards, etc have been compromised. We are currently, not able to call them, my escrow was compromised, ever time I phoned them, it is a came and we continue receive phony letter impersonating XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

On XXXX XXXX 2016 I lost my home to a fire. It was a total loss. My insurance dispersed a large check for the total loss of my home and it was placed into an escrow account at Loancare for the amount of {$350000.00}. At this time im trying to recieve disbursements so I can rebuild. I have recieved 2 small disbersments, one to my contractor for {$11000.00} and the other to the company that prefabs the dwelling for {$29000.00}. The company that is doing the prefab will not ship the materials until 50 % of the bill is paid and 100 % is paid upon delivery. The contractor insists due to the shady practices of my financial institution that a draw schedule be signed by Loancare and it is law to cover intrests involved. This financial Institution is saying that the policy is they will not disperse anymore checks until the first inspection of 50 % completion and that is impossible with the amount that has been dispersed. The amounts that have been dispersed to my contractor will not even cover materials needed to repair my foundation, preperation for the dry in and the labor needed to start the job. It will only cover permits and other minor tasks. I am a XXXX veteran that will be homeless if this matter isnt fixed in a timely manor. I am still making mortgage payments of over {$2000.00} a month on a VA loan.
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 ( equifax, XXXX  ) Has violated my rights! 
XXXX # XXXX ( XXXX ) has violated my rights! 
XXXX XXXX # XXXX ( XXXX, XXXX ) has violated my rights! 
XXXX XXXX XXXX # xxxxxx ( XXXX, XXXX ) has Violated My rights! 
Fig Loans ( XXXX  ) has violated my rights! 
XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) ( 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 or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$670.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 



I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

This loan was for my AC, the AC company explained the terms of the loan to me as 10 years, zero interest for 12 months, no payments due for the first 12 months, I called the company ( spoke to XXXX ) to confirm before signing the contract. She reiterated the loan would be 10 years and never mentioned a balloon payment. While signing the documents, I noticed some language about possible balloon payment, I asked the AC company if that applied to me and he said no, I signed the docs. The signed documents did not mention due dates, amounts, or terms/length of loan. I get a phone call XXXX my payment is due in XXXX and I explain that there is a mistake, I dont have payments due until next year. I ask the the agent, XXXX to confirm other details of my loan. She explained to me that not only is my payment due but my loan term is not 10 years but 5 years and I have a balloon payment at the end of the term. I told her that information was wrong because I was never told about a 5 year loan, nor about a balloon payment and that I was lied to by both the AC company and the loan company. I advised her I was filing a complaint as I was lied to and given false information.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

XX/XX/23 i discovered transunion has the wrong spelling of my last name. XXXX XXXX is the correct way to spell. on the transunion report its spelled XXXX XXXX. this mistake has severely impacted my credit. the effects of this mistake has been the grounds for many disapprovals for loans and credit cards. not only was my name misspelled but two invalid addresses labeled as my current addresses ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX sc XXXX my current address XXXX XXXX XXXXh XXXX XXXX XXXX XXXX ny XXXX false information allowed by transunion mistake has caused several disapprovals, which is a direct injury to the consumer myself XXXX XXXX XXXX XXXX Should be no doubt about my compensation, because this is a direct violation of the law. 15 u.s. code 1681n civil liability for willful noncompliance. on XX/XX/23 i called XXXX XXXX the agent XXXX redirected me to XXXX the agent on this line XXXX put me on hold to hang up on me. i put both transunion agents on notice of this report today. My injuries are clear I've lost several thousands in opportunities due to the false and misleading information.
Product: Credit card or prepaid card

On XX/XX/2021 there was a fraudulent charger placed on my apple card to a XXXX merchant with the name XXXX for {$130.00}. I immediately disputed the charge and heard nothing back until XX/XX/XXXX when they emailed me to advise they had reinstated the charge on account of the merchant providing proof of purchase. I then engaged their chat support for 40+ minutes and was repeatedly given the wrong info so I called and spent another 30 minutes requesting the proof and to reopen the dispute. That agent advised that I must prove that I did not make the charge. I asked for a manager to contact me which I was told would happen but never did. On XXXX I called to inquire and spoke to Supervisor " XXXX '' who stated I should have received the info so she reopened the request with " heightened urgency ''. She also assured me I do not have to prove my innocence but that it would be good to call XXXX and file a claim with them. I called again on XXXX and spoke to supervisor " XXXX '' explaining I need the prior digital card number ( which was changed when filed the initial dispute ) so that I could contact XXXX to address with them. She refused to provide me the number. She then told me that the prior 3 agents had not correctly requested the proof and put me on a long hold. She eventually told me that the info was sent to me on XX/XX/XXXX ( almost a month before I ever even asked for it ) but refused to provide the email address it was sent from. She stated she opened another request and that her manager would call me within two hours. She advised that she had left thorough and detailed notes on the account. After not receiving the promised phone call I called again on XXXX and spoke to manager " XXXX '' who said the only notes that XXXX left stated " prior agent says they requested proof of purchase, customer states they did not receive it ''. XXXX states that she updated my account with the details about XXXX XXXX conduct and my request for a manager to listen to the phone call and then call me back. She states that I she again requested the proof and that it also be sent via regular mail as well. She stated that the proof was sent to my email ( which we confirmed she had the correct address ) at XXXX Eastern time that day, she also declined to tell me what email address it came from and waited while I checked all Spam folders and inboxes ( I never got it ) She advised I should call again and ask for the " Advocacy '' Team M-F during business hours and that she too has updated the account and escalated the issue to the appropriate level of management. To summarize, I have formally requested the alleged proof numerous times and spent several hours on the phone trying to resolve this issue. I have been given consistently inaccurate and conflicting information and I have been denied a copy of the merchant 's proof of purchase as well as my account number so that I can attempt to address through XXXX. I did not make this purchase and it is clear that GS 's is attempting to bully me into submitting payment for the charge.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

XXXX bank reporting on my credit after it's been charge off
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, XXXX 2024 I reached out to CRA to confirm dispute my request Mortgage payments duplicated as debt and lowering my XXXX XXXX. CRAs reporting the XXXX XXXX XXXX informed them I was 30 days late on my mortgage as of XX/XX/year>. I informed them and provide documents the XXXX was transferred to another XXXX and it was not XXXX and XXXX informed me I never missed any payments with them. 2 Days Later all XXXX Credit bureaus are reporting the same information and refuse to remove inaccuracies. Experian and XXXX verified my request but XXXX XXXX asserted they verified an account with XXXX when XXXX confirmed to me an alleged account had been sent to collections. I Informed the CRA 's with uploaded documentation of disputes with XXXX various collection agencies alleged to collect on behalf of XXXX, neither responded to my requests for Validation of alleged debt per FDCPA ( XXXX U.S.C. XXXX ( a ) ( 2024 ). ), XXXX consistently provided me inaccurate information. On hold XXXX minutes and never transferred to a XXXX as requested. dispute number for my recorded was not provided upon request.
Product: Prepaid card

There was an unauthorized charge on my XXXX gift card. 

purchase date : XX/XX/year> Amount : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to purchase a home since XX/XX/2021. My lender along with other banks have not been able to obtain my credit report from equifax. There is no block or freeze. Equifax will not provide my score or file to any lender. I have called equifax 5 times over the last 12 months. When I do finally speak to them they tell me I need to verify my identity by sending in a copy of my DL and Social Security card. The representatives at equifax have all told me that a block was out on my credit file by equifax, not me.I have done this 5 times. Once they get the documentation from me they then send me a letter saying my dispute has been resolved. They have done nothing. I recently tried to refinance my vehicle with my credit union. I was denied by them and they sent me a letter stating the reason why is because I do not have a credit file with equifax. No one at equifax seems to understand how to fix my issue. I just need help getting equifax to release my credit file and score.
Product: Credit reporting or other personal consumer reports

RE : Warning to Remove lncorrect ltems from my Credit Report Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.

I contacted the court, and their response is enclosed.

It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C. 5 16811 ), and the information must be deleted immediately.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) it you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX. 
Account number : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, 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. 

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/2019 the I.C. System INC. add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it belongs to me. According to the FCRA, I.C. System INC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I applied for a personal loan with best egg. I provided my personal information and was informed that I needed to submit a paystub. I asked to submit an offer letter instead of paystubs due to the fact that I was starting a new job. I was informed that the company can not except an offer letter and pay stubs must be provided.After submitting all of the requested information, my application was never reviewed, I was never contacted by the company to request additional information and my loan was ultimately denied. When I attempted to contact a supervisor at the company On XX/XX/2021, I Spoke with a representative named XXXX and was denied The opportunity to speak with a supervisor by XXXX. I was told that I would receive a callback from the company however I have not heard back from anyone. I was also informed by XXXX that my application was closed due to the fact that I never submitted an offer letter. When I informed XXXX that I previously spoke with a representative at the company and was informed that I can not submit an offer letter there was no attempt to remedy the situation. I would like to have this inquiry removed from my credit report due to receiving wrong information from this company.