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

I submitted a dispute to XXXX to verify a specific account with XXXX XXXX XXXX. On XX/XX/2018, I received my dispute results in the mail stating that they verified that this account belongs to me. I am under identity theft at the time and I do not recognize this account. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). I would like to challenge how XXXX   came to this decision without verifying the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Product: Credit card

I received a email that said someone checked my credit report on XXXX XXXX.But without my permission. Then I log in to my XXXX account to find out what is going on. I found that someone submitted a credit card application on XXXX XXXX. And also I found that there are XXXX Bank of America credit card on my credit report that I never applied. And some address I never lived. And my first name was wrong. I called Bank of America immediately to make sure what was happening. But they told me that none of credit card was under my name. I dont know what is wrong? Those credit card are on my credit report. I also called XXXX XXXX, they said yes, someone submitted a credit card application on line. I told them I never applied it. Then they told me they would cancel it. I called the XXXX too. They told me I have to get a report from ftc.gov.And I tried to dispute those credit cards I never applied and the addresses I never lived. And I dispute the name.
Product: Credit reporting or other personal consumer reports

I am writing to express my discontent with your recent claims concerning my accounts. I hereby dispute these assertions due to a lack of substantial factual evidence supporting your allegations. Therefore, I strongly urge you to initiate a comprehensive investigation into these matters promptly. 

These claims have cast a significant shadow over my financial standing and hold the potential to cause considerable harm to my creditworthiness. It is imperative that we swiftly and accurately resolve this situation to prevent further detrimental consequences. 

I request that you promptly challenge this account and provide me with well-documented evidence to support your position. Failing to do so will compel me to pursue legal action to protect my rights and rectify this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from you saying you " verified that bankruptcy record case number XXXX is accurately associated with the consumers identity and reflects an accurate case status in the consumers consumer reports prepared by LexisNexis. '' I am telling you now that these BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Mortgage

Am unsure if this qualifies as a complaint at this time, as a mortgage has not actually been started. But, that is my issue, multiple attempts to get Guaranteed Rate ( XXXX XXXX [ sp? ] ) to respond to us and start our process have gone unanswered in any form.

Escalation to their Branch Manager ( XXXX XXXX ) did get a limited response, telling us they will start things now, but we are going to miss our closing date. 

Is there at this time a complaint, or is there another regulatory authority I should be contacting?
Product: Credit reporting or other personal consumer reports

They are three financial that are reported to my hard inquiries that i dont know nothing about, here they are : XXXX XXXX XXXX XXXX that was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX  ) that was reported XXXX XX/XX/XXXX I would like to report this and get a report from the fraud department so I can be able to remove this from my credit profile.
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I rented an apartment at XXXX XXXX XXXX in XXXX WA. They are owned by XXXX XXXX XXXX. Part of our rent was paid by XXXX. Months after we moved out they said we owed back rent because they sent a refund to XXXX. XXXX denies this. ( Part of XXXX ) XXXX also says we could not have moved if we owed rent. XXXX could not produce a copy of the check, the check number or date sent. They had no proof. But continued to try to collect from us. Then they sent it to Hunter Warfield in Florida for collection. I asked for verification and disputed the debt. No verification was provided. I also asked them to stop calling me, a cease communication letter. To date they call me every day. I am sending another letter to get this stopped but they will probably ignore it. They threaten to report it to the credit agencies. Owed rent is not reportable anyway but they will list it as other. Also they have not taken us to court to get a judgement. I said I welcome court because I believe they could not prove their case. They just continue to harass with no proof.
Product: Debt collection

XXXX  and XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) result of identity theft These are not my accounts
Product: Credit card or prepaid card

Tried to purchase a XXXX  XXXX XXXX on XXXX. It was pad by PayPal. The purpose was {$96.00} then {$300.00} came out of her account. The credit card transaction was PayPal XXXX. PayPal said they have no record of this transaction.
Product: Credit reporting or other personal consumer reports

I am formally requesting a full investigation and deletion of the account listed under " DPT EDXXXX '' with the account number ending in XXXX, reported by TransUnion, Experian, and Equifax. 

Reason for Complaint : This account is inaccurately reported and has caused significant harm to my credit profile. Although the account is listed as paid/closed with a {$0.00} balance, the payment history reflects severe derogatory marks including 120+ day lates and collections that are inconsistent and misleading, especially since the balance is reported as paid and current. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) and fails to meet the standard of maximum possible accuracy as required under federal law. The inconsistency in the reporting across bureaus also points to a lack of verifiable and consistent data. 

Additionally, the derogatory remarks persist on my reports long after the resolution of the account. According to 15 U.S. Code 1681c ( a ) ( 5 ), obsolete information should be removed, particularly if the account has no balance and was last reported in XXXX. It is XXXX. 

I am demanding the immediate deletion of this account from all three credit reporting agencies : TransUnion, Experian, and Equifax. 

Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE were given unprecedented access to vast amounts of educational data including DEPTED/XXXX  records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report. 
I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

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

TransUnion is posting three Unauthorized inquires that may be fraud related on my profile I have tried contacting the creditors to get them removed and have contacted TransUnion multiple times regarding the issue and they have not done anything about it.

The three inquires that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never received any documentation about this debt send to collection by the previous company. I request this to be removed due to improper communication to give me time to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account/ loan has been opened at XXXX XXXX XXXXXXXX XXXX with my name on XX/XX/XXXX. late payments were made to this account which resulted in a dramatic drop in my credit score. After checking my credit score and identifying the fraudulent account, I reported the error to Experian on XX/XX/XXXX informing them of the Identity theft. I also filed an FTC complaint on XX/XX/XXXX. I sent copies of the FTC report, my drivers license and utility bill to experian. I also filed a police complaint with the XXXX XXXX police department on XX/XX/XXXX. i was advised to contact XXXX XXXX XXXX XXXXk to resolve the issue. The bank was very uncooperative. The agents say that someone who is responsible would call/ email us within a day or XXXXwo but no one contacts us. This has happened several times over the last month. The bank has continued to report the fraudulent account to credit reporting agencies while refusing to provide me with any information pertaining to this account. They have sent no correspondence to me regarding this error despite several attempts by us to contact them and resolve the issue. they have also not run any credit checks prior to opening the account/ issuing the loan to fraudulent parties. I have not received any correspondence from the bank over the last 9 months since they opened the fraudulent account. 
Experian has failed to double check any identifying characteristics such as address or a copy of the drivers license submitted to the bank and took the bank statement as evidence that I took out credit that I did not. They failed to correct the errors despite sending them multiple documents verifying my identity and filing several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My HSBC US XXXX payments since 2015 do not show anymore on my latest report ( attached - see page 5 ). These payments were all listed complete in the XXXX Report ( attached - see page 5 ). Note that other bank cards are showing all payments correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  XXXX : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date
, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my XXXX  XXXX  on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with XXXX  XXXX XX/XX/XXXX which i never applied anything for and another one on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.
Product: Debt collection

In XXXX on 2020 I reached a settlement agreement with Synchrony Bank in regards to my Care Credit account. The agreement was set to be paid off in three installments. The first two payments went through no problem. Then with the third Synchrony never attempted to pull the payment. The money set in my escrow account for 30 days and then was defaulted back to me after Synchrony Bank opted to never pull the final payment. I contact Sychnrony to find out why they never pulled the last and final payment and got a new story each time. I have tried to make the final payment as we agreed upon but they will not take it. The original settlement defaulted since they back out of the agreement, and now want to re settle for and additional {$3500.00}. I have been advised that these deceptive practices are common with Synchrony. I have provided them the information from my bank saying the funds were waiting for them, I also have the payment confirmation codes. However, they will not budge. I want the original settlement to be upheld, and to make the final payment, again, so that I can be done with this horrific company. They have recorded every conversation I have had with them and those recording will prove that each time I talked with them I received a new story. There have deceptive practices and policies and should not be allowed in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company UNIVERSAL COLLCTION SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$360.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Put unknown inquiries on my report, unauthorized inquiries, tried to resolve it through Transunion but no action has been taken
Product: Checking or savings account

XXXX keep taking {$580.00} out of my Wells Fargo bank account, when I call XXXX they say I dont owe anything. They sent two letters claim I owe {$71.00} and they keep taking {$580.00} out of my account. Wells Fargo keep letting them take this money out of my my account. I filled a Consumer Fraud Complaints with XXXX to The Arizona Attorney General ( Confirmation # XXXX and the Federal Trade Commission XXXX Report Number XXXX ). 

The Wells Fargo Claims # is XXXX I believe this is Consumer Fraud and I am a victim of Fraud. XXXX keep my Deposit and keep charging me {$580.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFOB 's findings indicate that Zelle has not only neglected to protect its consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I refinanced my vehicle with another bank and sent the payoff check to US bank who holds my lease. US bank said they needed paperwork and I faxed it in to them, I kept calling in to see if they received it and they kept saying they never received anything, I called to ask if I needed to make a car payment since my refinance was being processed the rep told me I dont have to make a payment ( on a recorded line ). US bank ended up saying I was late on my payment and it affected my credit score. Ive never been late on a payment since XXXX and always paid more than I had to. I called in to dispute the credit reporting and they said they found no evidence of wrong doing on their part even though a rep told me I didnt need to make a payment on a recorded line, very unfair and deceptive practices. I kept calling in the see if my refinance went through and got no help. I spoke to a rep XX/XX/XXXX and they told me they received my paperwork on XX/XX/XXXX and didnt know why it wasnt being processed. I found out today XX/XX/XXXX that the refinance was finally being processed ( after months XXXX. I have been calling since XXXX to get this issue resolved. I dont think me or my credit should suffer because of this. I know if you investigate this matter and listen to all the phone calls with US bank and I, you will find Ive done nothing wrong and have been completely respectful. These unfair and deceptive practices have hurt me in the worst way. I have been a loyal customer to US bank and I dont understand any of this treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. On XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX added a derogatory mark on my credit report per TransUnion. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by TransUnion has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX, XXXX XXXX FIN, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.