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

XXXX XXXX is claiming Im responsible for loans I never applied for or authorized. XXXX and Experian has not done a complete investigation, I filed a police report and filed a complaint with FTC. Look into the IP address, check my signature, I did not take out these loans, benefit nor authorized them
Product: Credit card or prepaid card

I received what looks like a real credit card in the mail from Netspend. Their website says they do prepaid debit cards, that's the only way I know what it is. I didn't order this and suspect it's fraud. There is no way to contact Netspend to ask why I'm receiving the card. The phone number is just a recording tree that doesn't answer my questions and won't allow me to speak to a person. 

I was a victim of identity theft this year and want to make sure this is not part of that. The card has my name on it and all the usual terms and conditions paperwork that would normally be included with a debit/credit card. 

I also read online that some people are being issued their stimulus payment through NetSpend but I already received mine so I shouldn't be receiving a second one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX XXXX, Equifax and XXXX  several times asking them to do a investigation into a ( filed ) bankruptcy they are reporting on my credit report ... I have sent them letters from the bankruptcy court stating they do not share this information with anyone. So Im unsure how they are validating this negative item that they refuse to investigate. They said they get their information from XXXX but the bankruptcy courts again said they do not give this information to anyone. And my XXXX report is frozen how are they even getting information from them? I sent that as evidence yet they still refuse to remove this information from my report ... this is fraudulent information as it is reported that is was paid/dismissed, this is completely inaccurate I never met with a grantor/trustee nor did I attend court for any bankruptcy ... it was a filed bankruptcy and I immediately withdrew with the attorney and choose to go a different route. I attached two pieces of information showing that they cant possibly be validating this information as stating the bankruptcy court is the reporting agency on my credit report yet they receive the information from a third party!
Product: Mortgage

We started a loan application with Third Federal on XX/XX/XXXX they did not provide their XXXX until XX/XX/XXXX, failing to comply with disclosures by day 3. 

Throughout the process, certain information has been shared that would be within Third Federal 's underwriting guidelines since they don't follow XXXX or XXXX, their team including their XXXX XXXX, didn't seem to know those guidelines, which at this point now have caused us to try to shop with another lender and rates have increase by at least XXXX to XXXX since we started this application. 

Their management has been unresponsive, I have tried to submit complaints but no response from their compliance team. 

on XX/XX/XXXX a new borrower was added since they didn't provide certain information about qualifying and as of today as of XX/XX/XXXX a revised or new XXXX wasn't sent out. This is causing monetary losses as well as potential fallback with the sellers of the house we are looking to buy. Asking the CFPB to step in.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of TRANSUNION to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX XXXX ), TRANSUNION has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from 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 According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section 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.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that TRANSUNION has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of TRANSUNION may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation.

Thank you for your prompt attention to this ongoing issue.

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

On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.
Product: Vehicle loan or lease

BBVA Compass bank will not cooperate in the pay off of our XXXX XXXX XXXX. We paid it off back in XX/XX/XXXX but they said we still had late fees which they later told us on XX/XX/XXXX spoke with XXXX that it was " principle '' in the amount of XXXX to pay off and that was not late fees. We then traded the vehicle in on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, MO. The dealership can not get BBVA to cooperate with them for the payoff either. They keep passing us to a number or extension where no one answers.

Please advise. 

Kind regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/21 - Fraudulent transaction made ( ACH Payment Refund ) in the amount of {$2900.00} showed up on my Bank of America bill. 
XX/XX/21 - Fees shown on credit card bill related to the above fraudulent transaction in the amount of {$69.00}. 
XX/XX/21 - Phone Bank of America and speak to 3 representatives including XXXX in TX and XXXX in MI. XXXX says she has filed a complaint as requested and tells me to look for a letter in the mail. 
XX/XX/21 - No letter has arrived so I use online chat to request help. XXXX tells me I have to call fraud services and gives me a number to use. 
XX/XX/21 - Called the number given me by XXXX, told it is the wrong dept by XXXX in CA, transferred to XXXX, XXXX, XXXX, and XXXX. 
I ask to speak to a supervisor and am sent to XXXX who transfers me to XXXX who says she is not a supervisor. I ask again to speak to a supervisor and am transferred to XXXX who says she is not a supervisor. I ask a third time to speak to a supervisor and am told I will have to wait for a call back. Three hours after my initial call, XXXX who says he is a supervisor calls and tells me he can not do anything to help me. 
I do not know what more to do and really need your help. Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts seem for me like fraud accounts because they are not mine but they appeared in my profile. How you can explain it? I think I am victim of identity theft because I am not connected to these items at all. I do not understand what to do in this case honestly, is there any solution how I can get rid of them? Its not fair that I have these fraud accounts in my credit report. the score is damaged as well as my financial life. Could you please start investigation and figure out what's that? I hope also these items will be removed soon.
Product: Credit reporting or other personal consumer reports

My information was breached and sold in the dark market I believe. These accounts I never inquired about and dont belong to me
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX written letters were mailed out addressed to XXXX XXXX and Department agents of Midland Credit Management Inc. ( MCM ) via CERTIFIED MAIL RECEIPT ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX along with other correspondence that was not mailed certified demanding them to cease and desist ) requesting : supply verification, why they think I owe the debt and to whom I owe it, identify all names and addresses of the creditor/s to whom the debt is currently owed, the account number used by that creditor/s, and the amount owed, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. Provide verification and documentary evidence ( 15 USC 44 ) that there is a valid basis for claiming that I am required to pay the debt to the current creditor ( provide a copy of the written agreement that created my original requirement to pay ). The amount and age of the debt, including : copies of the last billing statement/payment history. State the amount of the debt when MCM obtained it, and when that was. Disclose any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.

Tell me when the creditor claims this debt became due and when it became delinquent along with identifying the date of the last payment made on this account. Details about MCM authority to collect this debt. Does MCM Inc have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If they were unable to provide the above in its entirety, to cease and desist.

MCM submitted no documentary evidence/ proof of what I requested. Hosted multiple phone conversations where I requested proper licensing that provided them authority to contact me, they provided me with no such evidence. They provided no contract, no agreements, no history of payments, no proof they purchased the alleged debt amongst other evidentiary documentation requested, but above all, in their initial letter of correspondence ( see attachments ) They fraudulently presented themselves as licensed in the State of California. Following correspondence, they provided no active business license necessary to collect in the state of California pursuant to California Consumer Financial Protection Law, 2021 ( CCFPL ) and the Debt Collection Licensing Act, 2022 ( DCLA ), Consumer Financial Protection Bureau ( CFPB ).
Product: Credit card

On XXXX/XXXX/XXXX, Citi advertised " Earn XXXX bonus ThankYou ( R ) Points after you spend {$0.00} in purchases with your card within 3 months of account opening redeemable for {$200.00} in gift cards '' I applied the card but citi never honored the signup bonus. I give Citi 6 months to resolve this issue and eventually the falsely claimed I was not eligible. 

The application was submitted on XXXX/XXXX/XXXX with Application Id : XXXX Response from citi Date : XXXX XXXX, XXXX XXXX EST Please be advised that because this offer was posted online in error we are still working to resolve this issue ; only the account that were was opened during the time in which this offer was advertised will be eligible for the bonus points. The adjustment of bonus ThankYou Points for applicable accounts is scheduled to occur during the XX/XX/XXXX billing cycle. 

XXXX XXXX, XXXX XXXX EST The resolution regarding the promotional offer that was posted in error was scheduled to be corrected by XX/XX/XXXX. Unfortunately, this has been delayed and the bonus Thank You points will post to your account XX/XX/XXXX. We apologize for any inconvenience this may have caused. 

Date : XXXX XXXX, XXXX XXXX EST We understand your frustration. 

At this time, the Thank you point have not been awarded. This concern is still under investigation. If awarded the points will be shown on the billing statement. 

We appreciate your business and value you as our customer. 

Regards, XXXX XXXX Senior Account Specialist, South Dakota Date : XXXX XXXX, XXXX XXXX EST Our records show the offer to earn XXXX bonus Thank You points if you spend {$0.00} was posted in error from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. Only accounts opened during this timeframe were eligible for the offer. We show that your account was opened after the offer was removed.
Product: Debt collection

The debt is a charged off and it been written off and the company never send me a 1099 ( c ) and still keep it on my report to punish me.
Product: Credit reporting or other personal consumer reports

This company failed to supply me with the verification information that is supposed to be supplied when I requested theses acounts be verified or removed
Product: Payday loan, title loan, personal loan, or advance loan

The company XXXX promised that it had the resources to invest in real estate with XXXX money down from the investor. I was told that if I didn't have a deal within 6 months of the program, one would be provided.I was also told the company had XXXX funding to help with closing and holding costs. I got none of these things and couldn't move forward with investing. I was told after joining that I had to find my own financing for XXXX ( closing and holding costs ). I told the company 's in-house financing that I lost employment in XXXX and could not continue to make the payments. I asked for a hardship extension, to make lower payments until further notice and was told no. Inspite of having proof I was laid off I was told that's my problem and they still want the payment.
Product: Credit reporting or other personal consumer reports

I tried disputing with XXXX XXXXXXXX but it comes back as verified but I know they didn't investigate anything because I have a letter from the Dept collector saying I resolved the account and don't owe anything ( balance to XXXX ) and then I noticed it's incorrect account number for the same account that's I owed that's why they couldn't find and delete it from my credit report I need help because they are playing a ruthless game with my financial wealth and it not fair I
Product: Credit reporting, credit repair services, or other personal consumer reports

There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX XXXX XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion continues to report an inaccurate account on my consumer report ( XXXX XXXX, ACCOUNT # XXXX ), even though XXXX and XXXX have already removed it. I did not authorize, give permission, or provide written consent for this account to be reported, making XXXX actions a clear violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681b ( 2 ), a consumer report may only be furnished with the written instructions of the consumer, which I never provided. I have disputed this account multiple times, yet TransUnion has failed to properly investigate and remove it, violating 15 U.S.C. 1681i ( a ) ( 1 ). This erroneous reporting is preventing me from securing a mortgage, causing severe financial and emotional distress. I have attached a partial report showing that only TransUnion is still reporting this account. I demand the immediate deletion of this inaccurate information. If TransUnion does not comply, I will be forced to take further legal action for willful and negligent non-compliance under 15 U.S.C. 1681n & 1681o.
Product: Debt collection

I am writing to file a complaint regarding a collection entry placed on my credit report by LJ Ross Associates on behalf of XXXX XXXX XXXX XXXXXXXX ( XXXX ). I am disputing the accuracy and validity of this collection for the following reasons : Lack of Prior Notice : I did not receive any initial communication from either LJ Ross Associates or XXXX  XXXX XXXX XXXX regarding this alleged debt before it being reported on my credit. I should have been informed of the debt and allowed to resolve or dispute it before it impacted my credit score. 

Failure to Validate Debt : To date, I have not received sufficient validation of this debt, including a breakdown of the charges and proof that the account is, in fact, mine. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide documentation verifying the debt upon request. 

Residency Issue : I have not lived in Florida for a long time, making it unlikely that I would have any outstanding account with XXXX  XXXX XXXX XXXX. This raises further doubt about the accuracy of this collection entry on my credit report. 

Potential Inaccuracies : I believe this debt may have inaccuracies regarding the amount owed or may have been reported erroneously. Without detailed documentation, I can not verify its legitimacy.

The presence of this collection account has had a negative impact on my credit score, which has led to financial stress and difficulty obtaining favorable credit terms. I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and work to ensure that LJ Ross Associates and XXXX  XXXX XXXX XXXX comply with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

Under 15 USC 16c-2, unauthorized inquiries are impacting my credit. Please take steps to remove them.