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

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating the law by not removing a fraudulent inquiry they are reporting in my credit files. 

Equifax m has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to equifax. 

Equifax has record that I have provided an identity theft report and police report outlining this specific fraud inquiry issue and you will see required documentation to order this fraudulent and non consensual inquiry as listed as : XXXX. XXXX, XX/XX/2022 I could see where this was precariously overlooked, but this reporting by equifax is unlawful and they have had time to remove this inquiry that is also listed in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove the XXXX  inquiry, thank you
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX ( the Company ), which involved me making deposits for a total amount of XXXXXXXX XXXX and XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).
Product: Money transfer, virtual currency, or money service

I am expressing my concerns regarding. Zelle handling disputes. Zelle has neglect to protect consumers and allowed repeat offenders to exploit the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX and XXXX XXXX accounts are reporting inaccurately 1. XXXX XXXX account # XXXX reporting a balance of {$960.00}. the actual balance is {$810.00} and its reporting a 30 days late payment for XX/XX/2019. I have never been late at anytime with this account and need this corrected as I am in the process of buying my very first house. 

2. XXXX XXXX account is reporting a wring balance of {$180.00}. I have a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, ACC # XXXX, Date Opened XXXX XXXX XXXX , ACC # XXXX, Date Opened XX/XX/XXXX. XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX Prosper Market place in, ACC # XXXX, Date Opened XX/XX/XXXX CAP XXXX XXXX # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review
Product: Credit reporting

2 weeks ago I called Transunion to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report. 

The inquiries in question are : 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

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have previously disputed a bankruptcy that you have listed on my consumer profile and asked for proof of verification for this account. please be mindful that this matter is pending litigation and you must provide proof or remove this account immediately!
Product: Credit reporting or other personal consumer reports

I filed a police report and an FTC report. I have submitted this paperwork and disputes to the credit agencies and is not getting processed correctly. I also am not getting copies of the verification process according to the FCRA>
Product: Credit card or prepaid card

They got my name wrong on my credit card and I was never able to see that account on my mobile phone 's app or online. I didn't get the billing amount for that account. They have. closed my credit card and left two late payment mark on my credit account.
Product: Credit card

I received a letter saying my account was closed for XXXX or more returned payment. My bank account was hacked, and money was stolen so I had no idea the money wasn't in the account when it was drafted. However, I paid the account balance off in full of another checking account. The company did not allow me time to correct this before closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information on my credit report, claiming a balance of over {$3000.00} from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This is False information. 
The original contract from XXXX & XXXX XXXX XXXX was Cancelled.  The vehicle was returned and the original contract was cancelled, with a zero balance, and the buyer agreed not to sue the seller for fraud. 

This information was provided to Transunion on XX/XX/2018 in the form of a complaint. 
Transunion failed to take appropriate action and remove the false item from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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
Product: Debt collection

I have repeatly disputed this unknown account thats been obtained in my name without my authorization, I have kept all documents sent back from the bureaus coming back as updated in the last past two years so this year I sent in a certified mail and receipt notified for Fair Debt Collection Practice Act which i realize I have the right to request this finally of the debt they are saying I owe them, I'm requesting that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this, this is a request of validate pursuant to 15 USC 1692g sec.809 ( b ) of the fair debt Collection practices act, I respectfully request that your office provide me and the cfpb with comment evidence that I have any legal obligation to pay you, At this time, I will also inform you that if your office have or continue to report invalidated information to any of the three major bureaus ( XXXX XXXX XXXX and XXXX XXXX, this action might constitute fraud under both federal and state laws.Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following violation of the fair debt collection practice, violation of the fair credit reporting act and defamation of character
Product: Vehicle loan or lease

Vehicle was a volunteered repossession and was declared in a Chapter XXXX Bankruptcy proceedings. This company is FRAUDULENTLY reporting on my credit report as an active account and this account has been closed for at least 5 or more years. Company is trying to FRAUDULENTLY INDUCE myself, a real living man, to make payments on a repossessed vehicle, as if I'm still in possession of the vehicle with a FRAUDULENT CONTRACT in which my name in CAPITAL LETTERS is the debtor. I am not the surety for this name in CAPITAL LETTERS!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Opened a checking and savings account with Truist on XX/XX/XXXX using the promotion : XXXXXXXX Truist One Checking {$400.00} Online Only Offer Promo Code : XXXX Met the requirements ( {$500.00} in direct deposits, 15 debit card transactions ) within the first 90 days. Qualification still shows Pending, 6 months after opening the account. Contacted Truist phone support twice - once in XXXX and now again today XX/XX/XXXX, where a representative agreed that the qualifications were met but she could not do anything to push it forward, that " there is no team verifying eligibillity for Truist Offers, it's all automated '' and to wait another 4 weeks.

Truist is not in good faith honoring the conditions of their promotion.
Product: Student loan

Navient is my Federal Consolidated Student Loan servicing agent. My loan was transfered to them by XXXX. I can not get a complete account history from them, they increased my monthly payment, yet I am receiving {$10.00} less off my principle every other month ... I work as a XXXX at a XXXX and I am located off campus at the XXXX. I have been paying for approx. 10 years. I have paid nearly {$48000.00}, yet have only received approx. {$9000.00} toward my principle on a {$79000.00} debt. Something is wrong ... and I can not get them to fix it. My original loan servicing agent was XXXX XXXX ( and we all know what they have done. ) They transfered the loan to XXXX ( once again not the top performer ) And, it ended up with Navient ... Even the Department of Education can not tell me or provide me with a complete account history ... showing my initial interest rate at 2 % nor what my current interest is at. 
Thank you for helping ... I really appreciate your efforts in taking on this large of a challenge! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Experian sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. 

XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit that i have never applied for. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXL XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of a collection account by XXXX XXXX XXXX XXXX on my credit report. It is impossible for this account to have been verified because a CFPB complaint was sent to XXXX XXXX XXXX on XX/XX/2024, and they failed to validate this alleged account. 

The response provided by your bureau to my prior dispute was insufficient. This collection account remains inaccurate and unverified. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to validation of any alleged debt reported on my credit file. 

Despite my requests, the following critical items have not been provided by XXXX XXXX XXXX : An explanation of the alleged account balance, including a complete XXXX XXXX and payment history. Documentation showing my agreement to this debt, including my signature and authorization for you to report this information. Proof of a valid agreement authorizing XXXX XXXX XXXX to collect this debt. Evidence of their state license to operate and collect debts in my state. The original promissory note and chain of custody for this account. The purchase agreement showing how and why my information was obtained without consent. This lack of documentation raises concerns about the legitimacy of this account and the accuracy of its reporting. Additionally, XXXX XXXX XXXX appears to be in violation of 15 U.S. Code 1692j, furnishing deceptive forms to create a false belief of participation in the collection of this debt, which I have not authorized.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically Cash app failed to take timely and affective measures to prevent and address fraud on their platform leaving my account unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.