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

Consumer Information : Name : XXXX XXXX Address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Against : TransUnion XXXX Subject : Multiple and Inaccurate Reporting of US DEPT ED Account # XXXX Details of the Complaint : I am filing a formal complaint against TransUnion and XXXX for the inaccurate and duplicate reporting of my US DEPT ED Account # XXXX. 

XXXX. Multiple Listings : This account is being listed multiple times on my credit report under different entries, which is significantly lowering my credit score. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that information on a consumers credit report is accurate and not misleading. By listing the same account multiple times, the agencies are violating this statute and unfairly damaging my credit. 
XXXX. Impact on Credit Utilization : The duplicate listings are inflating the balance amounts on my credit report, which inaccurately affects my credit utilization ratio. This is having a negative impact on my credit score, when in reality, it is a single account that should only be reported once. 
XXXX. Incorrect Reporting as a Collection : XXXX is incorrectly reporting this account as a collection, which is false and misleading. Under FCRA 15 U.S.C. 1681s-2, furnishers of credit information must not report information that is inaccurate or misleading. This account can not be reported as a collection one month and then be reported as paid as agreed in the following month. Such inconsistent reporting is a clear violation of the FCRA and is harming my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is violating my consumer rights. TransUnion continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Transunion buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. TransUnion 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) states, " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' TransUnion continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.
Product: Money transfer, virtual currency, or money service

I am trying to access a very old paypal account ( XXXX years ) at XXXX. I have changed my phone number over time but recall the original number. I have access to the email. 

My current account is XXXX. I would like to transfer the balance at XXXX to my current account XXXX. 

I have tried the following : " call me '' - Can not, as phone number has changed. 
" email me '' - I do this, but no email appears. 
" ID check '' - I do this, but the app hangs. 
" confirm SS # '' - Tried this, but app rejects my answer. I'm pretty sure I never provided " Answer security questions '' - I only provided one security question when I opened the account, and the app gives me 2 questions to answer. 

Please help me, as I have been trying to access this account for long time without success. Please do not touch XXXX, that is my current account. 

I can provide SS #, current address, old address, approximate balance, government ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report shows two XXXX XXXX accounts with late payments for the last 36 months, whereas I made all payments on time and agreed with XXXX XXXX. 

The credit report also shows a XXXX XXXX account with late payments for the last 36 months, whereas I made all payments on time and as agreed with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

They refuse to dispute each inquiry on my credit report that I say that I did not do nor was any of them Authorized by me.they try to get me to do it and Its not my Job its their job.
Product: Credit card or prepaid card

May have lost my card or it was stolen is it way a to get a new reliacard please help me
Product: Checking or savings account

I had an XXXX XXXX checking account at Bank of America. I closed this account in Branch on XX/XX/year>. They did not close the account and sent me a {$12.00} maintenance fee for three months, totaling a negative balance ( - {$36.00} ). I have the closing document and the statement showing they charge me {$12.00} each month.
Product: Mortgage

XXXX XXXX XXXX gave us a pre-approval letter with terms we were not able to meet. We tried to do what was possible to come up with the money, however after a couple weeks of trying, we were unable. The lender XXXX XXXX verbally told us we do not meet criteria and do not qualify for a loan. After over a month, we have not received a denial letter. We have received verbal and email confirmation that we do not qualify on XX/XX/XXXX as well as today, XX/XX/XXXX. However today we were told we do not get a denial letter because at the time of our contract we did not indicate that we could not meet criteria. At the time of our contract we did not know what the criteria was. They are fraudulent and misrepresenting their abilities. As per our contract, one way to receive a deposit refund is to receive a mortgage denial. This is why they are withholding it, to steal our money. A complaint is being filed with the Florida Attorney Generals office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to any communication. I have sent them now 4 requests to review my file. When I called and spoke with a representative they said to me that they have not received any of my communications. I have a record of all communications sent, the third attempt was sent through UPS with a tracking number so I know it was sent. I have just recently sent them a final request through certified mail, however the damage is done as I have been waiting since XXXX of last year. I am attaching a copy of my final communication to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Please update the status of this account : XXXX XXXX XXXX : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX-EQUIFAX-XXXX  CREDIT REPORTING AGENCIES . ALL 3 CREDIT REPORTING AGENCIES TELLS ME I HAVE NO FREEZES, FRAUD ALERTS OR LOCKS ON MY CREDIT REPORT. MY ACCOUNT ONLINE WITH ALL 3 CREDIT REPORTING AGENCIES TELLS ME THE SAME THING : NO FREEZES, FRAUD ALERTS OR LOCKS. WHEN MY BANK TRIES TO RUN A CREDIT REPORT FROM ALL 3 CREDIT REPORTING AGENCIES, IT STATES ON THE BANK 'S SIDE : XXXXFILE FROZEN DUE TO FEDERAL LEGISLATION. THE BANK HAS RUN THE REPORT FOR 7 DAYS STRAIGHT AND THEY ARE GETTING THE SAME ANSWER. I AM TRYING TO GET MY LOAN FOR A LOT. I NEED HELP PLEASE
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received email notification from XXXX that my credit file had been updated on XX/XX/year> at XXXX AM. I logged in to review the change and saw that Capital One had gotten a copy of my credit report ( hard inquiry ) and that my score had decreased, presumably due to the inquiry. 
I do not have any Capital One accounts and did not initiate or authorize the inquiry. I immediately contacted XXXX through the " Not you? '' link from the credit report on their website. Their fraud department added a fraud alert to my credit report and will notify the other XXXX bureaus to add the fraud alert as well. I also froze my credit report with XXXX and they further advised I should contact Capital One regarding the fraudulent inquiry and contact the other XXXX bureaus to dispute it, and consider freezing my report with both of the other bureaus. 
I called Capital One and spoke with their fraud department and explained that their company had initiated a hard inquiry today and that I did not authorize it, so I wanted to dispute it. I was told that they did not require anything additional from me at this time, as long as I contacted the credit bureaus to dispute the inquiry. 
I logged in to my XXXX and XXXX accounts and froze both reports. I received an email from XXXX requesting that I send them a valid identity theft report along with other identification documents to support my dispute of the inquiry ( thus the reason I am filing this report ). The odd thing here is that only XXXX showed the inquiry as a hard inquiry. XXXX showed XXXX soft inquiries today and XXXX did not show any inquiries today. 
I have frozen all three bureaus out of an abundance of caution and because I know that my SSN was recently involved in an online data breach, a fact I was notified of by XXXX XXXX XXXX that occurred in late XXXX of this year. To my knowledge, no accounts were opened or pending as a result of the inquiry, and no transactions of any monetary value have occurred.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I noticed several transactions in my checking account that were not my own. These transaction occurred on XX/XX/XXXX all were listed as " CA MODE XXXX, CA, XXXX '' and ranged in amounts of the following : {$32.00} ; {$69.00} ; {$95.00} ; {$120.00} ; {$160.00} for a total of {$480.00}. I was not alerted that these transactions had occurred even though I only use my debit card for ATM withdrawals. I called and had a long wait and an even longer process of making a formal transaction dispute for each transaction. I was told I would receive a summary email and new debit card shortly. I have not received either of these things. When I call Ally Bank, the wait time exceeds an hour and eventually, the system hangs up on me. I have not been credited the amount taken from me while Ally Bank makes an investigation into my dispute. I have since learned that this a widespread issue specifically with Ally Bank debit cards and they have not alerted their customers to take the necessary precautions. They have remained silent when their warnings could have prevented many people from being needlessly scammed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX { {$270.00} } was sent from my Wells Fargo account through XXXX to a person supposedly named XXXX XXXX email address was XXXX. Wells Fargo confirmed the transfer by sending confirmation code XXXX to my mobile phone. That transfer occurred about XXXX PST. The money was in exchange for 2 basketball tickets at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The tickets were promised to be sent to my XXXX Email Account, but never were. I spoke with Wells Fargo the same day and they said nothing could be done. They did not offer to identify the bank connected to the email. I spoke with customer service at XXXX to no avail ; they said it was Wells Fargo 's issue and would not identify the bank that was connected to the email account in their system. I also informed XXXX of the fraudulent advertising. Everyone passes the buck and scams like this perpetuate. Hopefully you can gets Wells to reimburse me for this complaint. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with XXXX XXXX  due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice that i had fraudulent account on my credit report.
Product: Money transfer, virtual currency, or money service

USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX Amount XXXX HOLD ON ALIMONY/CHILD SUPPORT CHECK LONGER THAN FIVE DAYS. 

Confirmation XXXX XXXX XXXX Bill Pay XXXX
Product: Money transfer, virtual currency, or money service

I was trying to sell a loveseat online someone contacted me regarding buying it and they said that they used zelle. I XXXX gave them my email account and we went back and forth a few times. They sent me an email saying the money that they were trying to send wasnt working and sent a screenshot. They said to check my email. I got an email from XXXX stating that the buyer needed to send me {$300.00} and {$200.00} on top of that to make sure it goes through. The buyer sent me a screenshot of the supposed {$300.00} and {$200.00}. They then sent me an email stating that I would send the {$200.00} back to the buyer. This kept on happening and I sent them two payments of {$200.00}. They had me send it to the following emails : XXXX and XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX, we booked a XXXX hotel through XXXX for a stay in XX/XX/XXXX. We paid in full at this time. We stayed at the hotel and after our trip we were charged {$1700.00}. We should not have been charged anything at this point as we had already paid in full. I called XXXX and had them investigate and they found no record of this transaction anywhere in their system. I have spent the last 12 months trying to work with US Bank to resolve this charge and they have been entirely unhelpful. Numerous times they told us they have sent out paperwork for us to fill out and return. We never received anything in the mail from them. Finally in XX/XX/XXXX, I found out what paperwork they needed and immediately sent it in. I called a week later to check that they got it, and it was confirmed that they had received the paperwork. Then next thing I hear back is in XX/XX/XXXX claiming that too much time has passed to resolve this charge. Meaning that they sat on this case, while possessing everything they needed to resolve it, for three months and did nothing with it.
Product: Credit reporting or other personal consumer reports

Dispute Regarding Late Payment and Violation of Consumer Credit Laws According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( e.g., the purchase agreement signed contract with my signature on it ) that you have on the account listed below. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit, and I have been denied credit on the basis of this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my credit report and noticed this fraudulent account reporting on my report and want this account removed from my report immediately
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the item in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX 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
Product: Credit reporting 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  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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  # XXXX 30 DAY XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Debt collection

I have accounts thats been removed from my credit file due to identity theft. I sent supporting documents along with a police report. My credit report was then cleared. However months later the companies sold the debt to new companies for the same debt and it has returned. The two accounts that have returned are. 

1.Company Name : EOS CCA Account Number:XXXX Original company : XXXX Debt amount : XXXX 2.Company Name : XXXX XXXX XXXX  Account NumberXXXX Original company XXXX XXXX Debt amountXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching in regard to XXXX. XXXX, AND TRANSUNION! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!