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

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings to Whom It may concern I am submitting this CFPB Complaint for the 2nd complaint # reference XXXX to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Equifax, Credit Bureau will remove and block these specified remaining inquiries as a result of the alleged identity theft : Equifax : XXXX, XXXX XXXX XXXX, XXXX XXXX, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus such as XXXX, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.
Product: Debt collection

This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negotiate. this was done in bad faith as the collector informed me on the single occasion that I was able to speak with a representative after finding out that my wages were garnished, that since my wages are already garnished they will probably not return my calls to negotiate. They also failed to inform me of the exact amount of my debt and after my employer sufficiently paid the debt by garnishing my wages, they requested further payments of an amount that is unknown to me as they refuse to answer my calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX  this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

I can't remember the exact dates but it was between XXXX when my account was hacked and compromised by someone else by the time I got into it they closed my account a week later and denied my refund
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

UPDATE FIRST AND LAST NAME REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED NON MAILABLE. PRIVACY ACT OF XXXX  CHARGE OFFS IS CONSIDERED AS A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND CAN NOT BE REPORT TO CREDIT REPORT. IT MUST BE REMOVED. THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE INQUIRIES, HARD, SOFT, PROMOTIONAL, PREAPPROVALS- PER 15USC 1681
Product: Credit card

I have been in dispute with Bank of America about what I considered " false '' charges on my credit card ending in XXXX. I received paperwork from them and in the time I was waiting for the dispute to be settled and updated, I was waiting for them to update what I owed on my closed account. I made a good faith payment of {$100.00} and they reported to the credit reporting agencies ( All of them ) that I was late 30-60 days. I contacted the bank asking for them to correct the report and they said their hands were tied and they could not. I think this is wrong and misleading on their part, as they know this account was under dispute and I was unaware what I owed them
Product: Credit card or prepaid card

On XX/XX/2022, a purchase was made at XXXX XXXX XXXX for {$170.00} on my PayPal Business Debit Mastercard ending in XXXX. I created a dispute of this transaction with PayPal on XX/XX/2022 stating it was an unauthorized use of my card. PayPal canceled my card ending in XXXX and issued me a new one with a new account number. On XX/XX/XXXX, PayPal denied the case, stating the purchase was successfully made at the gas pump. I called PayPal to appeal the decision, and the person I spoke with agreed it appeared to be unauthorized as the gas station where the purchase was made is in XXXX XXXXXXXX, XXXX and I had made a purchase that same day at a XXXX 's in XXXX, XXXX  He said he was reversing the decision and I'd see the refund in 10 days. However, on XX/XX/2022, I received another email denying the case again, stating it was consistent with my PayPal purchase history, so it is not considered unauthorized. I've attempted to call them twice since, and get transferred several times and then end up on hold for 30+ minutes before I inevitably give up waiting. I have emailed the appeals team asking for their documentation, and am awaiting that information now.
Product: Mortgage

The former mortgage company Amerisave was going to do an assumption process to take my dad out from the loan and for my husband, one of the mortgage holders to assume the loan alone, the company asked for an assumption processing fee I went ahead and sent it then they decided to transfer our loan to another bank XXXX  and after the transfer Amerisave cashed my check, now I have been emailing the assumption special loan department from Amerisave and calling and speaking with them and the only response is, " we do apologize for the inconvenience but this issue was given to a supervisor for approval to refund the monies '' I have been back and forth with them since XX/XX/2022, and I explained why did you guys cashed my check if you guys no longer had the account? I have been asking how much more time I have to wait to get my refund back? And they keep saying, I have to wait, is pending for approval ... I explained this issue to the new bank XXXX and they mentioned that Amerisave has the tendency to hold the monies and the clients have to fight for their refund. Now the new bank is in the process of doing an assumption but I need my monies ( refund ) from Amerisave. Please can you help us? I sent Amerisave a letter asking again for a resolution or I will escalate this matter. thank you
Product: Credit reporting or other personal consumer reports

There has been debt reporting on my accounts after debt was sold to a collection agency, I've sent a letter to all three companies Trans union, XXXX, and XXXX to remove these account. However the debt has not been verified although I have received an email stating that it has however that is not true. I have certified mail receipts for all three companies on the XXXX of XX/XX/year> and copies of the letters I've sent asking them to remove this information from my account as it is fraudulent and the debt is not mine. the amounts that have been reported include {$250.00}, {$740.00}, and {$140.00}.
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 : XXXXXXXX XXXX  XXXX Account Name : XXXXXXXX XXXX  XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 inform
ation, 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: Money transfer, virtual currency, or money service

I invested in concurrency XX/XX/2017. I used Coinbase as it is the lead US wallet for crypto. I made a decent amount of money, so i decided to hold and just use my wallet as a investment in case the price was to rise. well I had not touched my Coinbase accounts for almost half a year. When one day, I checked my bank account and saw that coinbase had charged me 4 separate transactions that totaled to $ XXXX. Once I saw this I logged into my Coinbase account on XX/XX/XXXX and saw that my currencies had been emptied and sent somewhere else and someone was able to use my card to buy $ XXXX in bitcoin and sent it also to a address. I have contacted coinbase and they act that they do not care. I get different answers every time I call and quite frankly it is something I consider quite serious. I lost about ~ $ 6K and they just say I have to wait for my support ticket to get looked at. I am not too sure if it was a hack or not. I have reason to believe my account was not actually hacked. I received ZERO emails for any transaction that happened. I received ZERO 2fa for any login attempts. This is why i have reason to think it may be fraud. It really is a joke when a company treats money with support tickets. It just seems like someone had administrative access to my account and misused it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX chose to close my account as paid, as documented on previous dispute. They said they had submitted this account for deletion but it is still recording Voluntary Surrender on my report. Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is to be EXCLUDED on the consumer reports, yet you are STILL reporting to my consumer reports. I demand that these items be removed from XXXX, Equifax and XXXX immediately. This is great preventing and damaging my ability in obtaining lines of credit, & further my career.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 repeatedly disputed inaccuracies on an account named XXXX XXXX on my TransUnion credit report. TransUnion has responded that they verified with the creditors the account information. However that can not be true because XXXX is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the TransUnion is supposed to verify and report accurate information or they must delete. TransUnion is violating my rights under the FCRA, which is illegal. TransUnion has never sent any method of verification, who they spoke with or how they verified this information. TransUnion needs to delete this account since they can not verify and report accurate information
Product: Mortgage

I was a client of XXXX XXXX for months and had the COVID 19 forebearnce. I was told over and over that my loan was allowed to move all payments to the end of the COVID 19 forebearance. 

My loan was sold to BSI Financial Services in XX/XX/2021. All of a sudden, when my forebearance ends, I am told that I can not have the payments added to the end of the loan. I am being told that I can only apply for a loan modification. Repayment plan. Also COVID 19 is a government program. My loan terms and agreement should not change at all just because the loan was sold.

This representative is telling me that BSI does not offer this option. That only XXXX XXXX offered this.
Product: Checking or savings account

Today, XX/XX/XXXX, is when I was standing in line at the gym purchasing a smoothie and my chase card got declined. I go to my XXXX XXXX  only to see that chase has suspended this card. I'm assuming this is in response to the claim that I filed 8 days prior for the deposit that locked up the atm. It was XX/XX/XXXX, at XXXX when I deposited {$800.00} and the Atm went red and printed a receipt with a number to call in case my deposit didn't go through. I called and told them about the incident in which they forwarded me to claims. I receive a missing credit the next day and all is well. Fast forward to now, I have {$3100.00} as it stands right now with an upcoming payday on the XXXX, and I have no access to these funds. I need the funds right now, not in a check after an investigation which may take 10+ days. It is not good timing at all, and I really can't afford to be late on payments when I'm finally in a comfortable position. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't do business with an entity that regards my frequent deposits as fraudulent. I have the deposit on video, it shouldn't be this complicated. It makes no sense to have a physical address and not be able to do anything but forward me to phone numbers. Chase was able to update my mailing address, that's about it. I was planning on paying rent a day prior to thanksgiving, now I can't even get a smoothie. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violtated 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 Inquiries that I didn't authorized : XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX / XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX OF Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new car loan with Santander Consumer USA. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, Santander WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion has reinserted negative unverifiable information and has damage my credibility with loan officers.
Product: Checking or savings account

On XX/XX/2024 Bank of America stole XXXXXXXX XXXX from my account, possibly due to me not working at this time. Thus, I am unable to have a direct deposit to my account. Please help here. If I am unemployed, how can I be giving a multi million company XXXX XXXX  when I have mortgage to pay?
Product: Credit reporting, credit repair services, or other personal consumer reports

I need ALL forms of ALL reports created by LexisNexis, including XXXX XXXX life-insurance related, health insurance-related, etc. reports to review for errors because I received multiple letters of adverse action from multiple LexisNexis report types. These AA letters indicated patently false data points/information. I need these false data removed because Im being surcharged for various insurance types, and other carriers will not accept me ( based on the LexisNexis report ( s ) ). 

Further, I wish to exercise my Right to Be Forgotten and must examine the records to ensure all requests have been deleted or else to know how to refer to such reports. LexisNexis will not advise to its formal opt-out system for all its productsonly one, singular tool for one report type exists, and they allege compliance with my request. 

I requested my report via Internet in earlyXXXX, midXXXX and again this week ( early-XXXX ). I still do not have any reports as of today, XXXX. 

The company reached out to me via XXXX after having complained about the disservice, but theyve failed to follow through with their promise to even reach out. 

Beyond the above items costing me ongoing financial harmfor which Lexis is directly liable, I need to fix any errors because Im a victim of identity theft/fraud ( duly-reported and recorded in XXXX XXXX, CA ). Please help me get this and in an expedited manner. Thank you.