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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( 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 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account : opened XX/XX/XXXX XXXX Bal. {$170.00}, XXXX account : opened XX/XX/XXXX, Acct XXXX, XXXX {$2400.00}, XXXX XXXX XXXX XXXX  : opened XX/XX/XXXX Bal. {$180.00}. Late Payments Account : XXXX XXXX Dates XX/XX/XXXX, XXXX, XXXX XXXX bank dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inquiries : XXXX, 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 # ( XXXX ) 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: Mortgage

Shellpoint 's XX/XX/2022 response to the Connecticut Department of Banking 's submittal of the complaint on XXXX XXXX behalf contained the account information and the history of the account ending in XXXX which does not belong to XXXX.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. you should have this info at your XXXX GA XXXX XXXX closed account XXXX and closed XXXX account XXXX all credit inquires..
Product: Credit reporting, credit repair services, or other personal consumer reports

an account was fraudulenty placed on my credit file by XXXX. Below is the account information i have requested a proper verification several times from XXXX to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me. XXXX XXXX - ACCT # XXXX DATE OPENED XX/XX/2016 BALANCE {$2200.00}
Product: Payday loan, title loan, or personal loan

Payday loans are not legal in NJ and their rate is over what is allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

im in the process of trying to purchase a home for me and my family and i noticed these inquiries and i sent a certified letter in XX/XX/2022 to transunion for these items to be removed and nothing has happened, i am happy to provide any tracking information.
Product: Payday loan, title loan, or personal loan

I GOT A MESSAGE FROM MY PREVIOUS EMPLOYER SAYNG A THE NUMBER XXXX LEFT A MESSAGE FOR ME. 

I CALLED THEM BACK AND ALL IT SAID WAS THE PERSON AT THIS EXT IS NOT AVAILABLE AND I COULD NOT LEAVE A MESSAGE. 

A FEW MOMENTS AGO I GET THE SAME NUMBER CALL ME AND I LEAVE MY DESK TO ANSWER THE CALL. 

SHE SAYS SHE IS FROM XXXX XXXX XXXX AND HER NAME IS XXXX XXXX. I VERIFIED MY LAST 4 BUT DID NO VERIFY MY DOB UNTIL SHE TOLD ME WHAT THE NATURE OF THE CALL WAS. SHE THREATENED ME SAYING THERE WAS PENDING LEGAL ACTION IN HER OFFICE AGAINST ME. 

SHE THEN PROCEEDED TO TELL ME THAT XXXX XXXX WAS TAKING ME TO COURT TO GARNISH MY WAGES AND THEY WERE THERE TO TRY AND HELP WITH A PAYMENT PLAN. 

SHE SAID THE BALANCE WAS OVER {$4800.00} AND I SAID THAT WAS INCORRECT. SHE MENTION THAT WITH THE FEES THAT IS THE AMOUNT. SHE SAID THEY WOULD OVER A SETTLEMENT FOR A LITTLE OVER {$3000.00} AND i SAID I WOULD BE INTERESTED IN THAT BUT WHAT WERE THE PAYMENTS AND THE PAYOFF SCHEDULE. 

TOLD HER I COULD NOT PAY ANYTHING RIGHT NOW AND SHE SAID WHAT ABOUT BY THE END OF THE MONTH. I MENTION I JSUT STARTED BACK WORKING FULL TIME AND I COULD ONLY DO ABOUT {$50.00} END OF THE MONTH. SHE SAID THEY WOULD NOT ACCEPT THAT BUT SHE COULD CONTACT XXXX XXXX TO SEE WHAT THEY WOULD EXCEPT. 

I TOLD HER I NEEDED TO CALL THEM BACK BECAUSE I COULDNT NOT CONTINUE TO BE ON BREAK THIS LONG ( ALREADY 6+ MINUTES ) AND SHE SAID-WELL I WILL TELL THEM TO PROCEED WITH THE JUDGMENT. 

I TOLD HER OKAY. 

THROUGHOUT THE CALL I MENTIONED TO HER NOT TO CALL MY OLD EMPLOYER OR ANY REFERENCES AND SHE CLAIMED NO ONE HAD AND I KNOW THEY DID. I TOLD HER ONLY CONTACT ME ON MY NUMBER WHICH I VERIFIED OR EMAIL ME. I ALSO ASKED FOR A COPY OF THE STATEMENT AND SHE CLAIMED THEY HAD BEEN SENDING ME NOTICES. I HAVE RECEIVED EMAILS BUT NOTHING IN THE MAIL. SHE SAID IT WAS THEIR WORD AGAINST MINE. 

I TOLD HER I WOULD NOT GIVE MY EMPLOYER INFO AND SHE SAID THAT IS FINE BECAUSE WE ALREADY HAVE IT. I TOLD HER AGAIN TO NOT CONTACT MY EMPLOYER PAST OR CURRENT.
Product: Money transfer, virtual currency, or money service

Way2Go LIED! I have been told that there is NO direct deposit for NV unemployment benefits. FALSE. A LIE! I have been in touch with another individual on NV unemployment and he has access to direct deposit. I haven't had any issues with direct deposit so far. I am denied direct deposit upon clear statements that none was available in NV. Go to a bank or and ATM. Why am I denied direct deposit? No matter the reason, the statement by Way2Go that there Is NO direct deposit available as part of NV unemployment money distribution is FALSE, contrary to their published instructions and available on their internet site and apparently only effective for select unemployed individuals. Their direct deposit statements are as false as the explanation entered to terminate the unchangeable direct deposit election I entered on their website as a " security matter. '' " This feature has been disabled due to suspicious activity on your card. Please contact customer service for all future enquires. '' ( False explanation for terminating direct deposit by call supervisor ) More hours on hold! 

ATTN : All Unemployment Insurance Claimants : Nevada Department of Employment, Training and Rehabilitation ( DETR ) has changed prepaid debit card providers, from XXXX XXXX XXXX to the Way2Go Card. This transition will not affect your claim, only how you will receive your benefits beginning in XXXX. 

https : //gov.nv.gov/Constituent/Unemployment/
Product: Debt collection

Account info Account name XXXX/COMENITY/XXXX  XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$490.00} Terms - I do not know this account and am formally requesting the original signed contracts between myself and Comenity showing that I am liable for the debt on this account or that it be immediately and permanently removed from my credit report.
Product: Debt collection

I feel taken advantage of by being ignored in my disputes!! I've already disputed this account because I see you're reporting incorrect information. This is not my account; please delete it immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1400.00}
Product: Debt collection

Amsher XXXX XXXX XXXX XXXX, Al XXXX. ( XXXX ) XXXX unlawfully reported {$1300.00} to my personal credit report and the debt belongs to XXXX XXXX XXXX.
Product: Credit card or prepaid card

Home depot offers a new card promotion, " {$25.00} off your purchase of $ XXXX, {$50.00} off your purchase of $ XXXX, or {$100.00} off your purchase of $ XXXX ''. 

This is my 2nd time in 5 years I have attempted to sign up for a Home Depot Card where they have tried to hide, limit, or no support their new card offer. The promo code they give you is only sent by mail and if you shred the accompanying letter there is no recourse for the promotion. Online help directs you to phone support. Phone support directs you in store. 

I just want the promotion I was offered to sign up for a new card. There is no reason why I would have signed up for this card other than the promotion offered and now feel as if Home Depot is bait and switching the offer.
Product: Checking or savings account

Citibank sent me a letter informing me that they are closing my safe deposit box account. The notice stated to contact their customer service to obtain further information. 

When I first got the notice, I reached out to the Citibank branch located at XXXX XXXX XXXX, XXXX, CA XXXX, directly and spoke to the branch manager. The branch manager informed me that they do not see any closure notices for any of my accounts in their system and the letter looked to be fake. He made a copy of the letters and said he will forward these to Citibank fraud department and let me know if there is anything information. 

Upon this information, I took no further action, however, on the notice date, my checking & savings accounts were closed - even though the notice mentioned just my safe deposit box account. This was then followed by closing my credit card accounts by Citibank I sent multiple letters ( via USPS ) requesting further information, however, till date I have received no response to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Account : XXXX Ive called Genesis Credit Management at XXXXXXXX XXXX. on XX/XX/XXXX to request them to stop reporting on my credit report. The agent hung up on me and told me that I owed the debt and she didnt care what I had to say or my rights. I have not contracted or consented with them to furnish anything on my credit report. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) Disclosure to Consumer subsection ( ii ) and section ( B ) subsection ( ii ) which states ( 2 ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person ; ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

Permissible purpose defines the circumstances in which the FCRA allows credit reports to be obtained. These purposes are documented in section 604 of the FCRA as : * In response to a court order * After receiving permission from the consumer * To someone who : * Intends to use the information in connection with a credit transaction. 
* Such as the extension of credit * Intends to use the information for employment purposes. 
* Intends to use the information when underwritinginsurance for the consumer. 
* Intends to use the information to determine a consumer 's eligibilityto obtain a license. 
* Intends to use the information to assess credit or repayment risk. 
* Or otherwise has a legitimate business need for the information, a business transaction or reviewing an account. 
* Is an executive or government agency intending to use the information for travel charge cards. 

Also, this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report. 

My credit report states the original creditor but the company is an apartment rental company which didnt extend credit to me which means they are reporting with the intent to ruin my good name and fraudulently report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX
Product: Debt collection

Ive reached out to Equifax asking for verification of a debt and asking that documentation along with signatures be provided that proves that I owe said debt. I believe that the debt does not belong to me and asked that it be investigated and removed if documentation could not be provided to link me to said debt. I have had several issues in the past getting this resolved hence the reason why I asked for validation which includes signatures and supporting documentation. None has been provided and this is causing me great pains and detriment. I may have to seek legal counsel if this isnt resolved in a timely manner. XXXX XXXX XXXX is the party I am disputing in two amounts totaling {$4500.00} and for {$740.00}. XXXX could not have possibly verified this debt because no sooner than my request for validation was sent it was return in less than 30 days so it leads me to believe that thorough investigation was not implemented. I needed them to do a thorough investigation for instance requesting the ledger balance if need be or signed documents that I have signed. XXXX more than likely is taking the word of the company and is not actually pulling documents to confirm these allegations and its very harmful to me as a consumer. I have reason to believe the apartment complex under the new management is trying to extort money out of me due to all the repairs that were needed in the unit that were not caused by me for example the mold, rotting patio that fell forward as well as the hole in the wall due to the foundation problems all of which I have photos of as proof. This company is trying to have me pay for those repairs all because I decided not to renew my lease with them. They were increasing my rent with no upgrades. I decided ri leave. Please see attached photos.
Product: Credit reporting or other personal consumer reports

I have a charged off account in XXXX student loans. I did not receive any notifications from them that my account was charged off or that I have an overdue balance. When I checked with them, they said that everything was being sent electronically when I requested to have everything sent through paper as I made sure I have documentation as Ive had previous experience with XXXX student loans, and it was a terrible experience. I have just learned to ensure that I have documentation of everything going on, but I have not received anything after I had an issue with them last year in XX/XX/year>. Thankfully that issue was resolved but I have not received any information or notification from them and now theyre saying that my account is charged off and I have an overdue balance, and it is now affected my credit score. I have called them and asked to see if they can assist me with this and they say they can not because they sent me notifications and statements to my email but once again they have sent it to the wrong email and theyre telling me that it is my fault because I did not update my email. Although I originally have asked only for paper billing and have documentation because I know who they are and how they can mess up.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 2021
Product: Debt collection

I just checked my credit report and she a collections account on there for XXXX in the amount of XXXX  opened XXXX XXXX. I never opened a XXXX account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX