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

I am trying to pull my transunion report online and am simply getting " We're unable to complete your request online. '' and the only option is to call them and on calling them they can only snail mail me a report at 7 bubsiness days. 

I have called and the number listed on " call here since since can't do it online '' can't tell me how to resolve it online and can only mail be a report and can't tell me how I can get an online report in the future. They have me an online department number. Called them and they can only say " change browers '' which I did and tried to go both through annualcreditreport.com and transunion.com and both told me the same - no ability to get online report. 

Online department ended with " a supervisor will call you within 72 hours '' and at this point have zero expectations of getting a call and was just a way to get me off the phone. 

I can pull my online experian, and XXXX no problem but transunion is a no go and are not willing to help.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these 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. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize these transactions they are a result of fraud XXXX asking the creditors to remove ( XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, These are not authorized by me I want them removed form my credit file and deleted off my hard inquiries.
Product: Debt collection

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated ; Amount : XXXX
Product: Money transfer, virtual currency, or money service

Here is copy of the follow-up email I sent to WorldRemit on XX/XX/2023 : WorldRemit Representative , I am still waiting for your response to what happened to my {$1000.00} ( XXXX XXXX XXXX ) that was supposed to be transferred into my XXXXXXXX XXXX account XXXX XXXX xxxx ) since XX/XX/2023. 

This incident has caused me a lot of business losses and disappointments over these XXXX solid days! 

I need resolution of this problem from you without further delays. 

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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/XXXX. Please investigate to ensure there is no fraudulent activity. My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, MD, XXXX. My birthday is XX/XX/XXXX. My last 4 is XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This account continues to be reaged which is illegal. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Vehicle loan or lease

-XX/XX/XXXX, I leased XXXX XXXX XXXX, lease terms 3 years and XXXX miles per year. financing company was BMW financial. lease ends on XX/XX/XXXX -XX/XX/XXXX, prior to my lease end, I entered into another lease for another XXXX XXXX XXXX, lease terms 3years and 15K miles per year. I have used BMW financial " pull ahead program '' which stated the following, BMW will " waive '' the last 3 payments and the lease disposition fee if I rolled my lease into another BMW. At that time I only had 2 payments left. 
-XX/XX/XXXX, I received my end of lease statement with a balance of {$3000.00} which included the last 2 payments {$2000.00}. however the lease disposition fee of {$350.00} was waived as stated " pull ahead program ''. I have contacted BMW financial and paid my portion of the that balance {$960.00} and explained to them the mistake on the statement. I followed up with registered letter on XX/XX/XXXX to state the same explaining that I followed their program. 
- on XX/XX/XXXX I received a letter informing me that the " remaining payments have been covered by the pull-ahead program '' and that I have a XXXX balance -on XX/XX/XXXX BMW financial reported me to the credit bureau as late 30 days. I came to find this out last week when my credit was pulled for a mortgage application. I have never had a single late payment in my life so this destroyed my score and lowered it. 
- In short, I have done everything in accordance with the agreement I signed but because of BMW financial negligence my credit has been destroyed. it is wrong and this company need to be held accountable.
Product: Credit card or prepaid card

My Name Is XXXX XXXX, i was trying to get my medications when my card got declined, I did nothing wrong and when i called i was told to do id verification which i did twice, even sent them my identification documents through USPS and i confirmed it was received, US Bank is holding 14000 of my money, i called US Bank, they said its identity verification, I told them i did that which they confirmed, next day i called again they said its the unemployment office who closed my relia card, i called unemployment, i was told my claim is verified and in good standing and they see no reason why US Bank should deactivate my card, i called US Bank, i was on call with the Unemployment office too that very moment, US Bank said it was unemployment office, which the Ohio Unemployment Customer Rep told a supervisor to speak with US Bank because no notes on my account from the unemployment office, that US Bank is holding my money unlawfully, i called US Bank, I asked of a supervisor, he said there was a note on my account from the upper office not to release my money or issue a replacement card, that there is nothing he can do to help me, i told him i am XXXX  and my health is failing, he asked me to tell it to the state agency, i went to church on sunday and discovered US Bank has been doing this for so long ... I have 140000 there i cant access in my Relia Card, it wont even let me login, i really regret using the relia card, i am planning a class action lawsuit towards this bank, my health is failing and they are witholding my money, my condition is very critical, Us Bank should reactivate my card or issue me a replacement card, i commited no offense, i asked what is the note on my account, They said they cant tell me the reason why my account is closed..i am XXXX  please someone should help me. Card ID : XXXX
Product: Debt collection

I filed an FTC report for identity theft in XX/XX/2021 and forwarded it to XXXX and XXXX, but they refused to remove this item in the amount of {$2000.00}. The last time the account was updated was on XX/XX/2021, which is wrong. the company 's XXXX XXXX did not respond to my questions. I have no idea where this financing came from. I've always paid my payments on time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, Transunion, and XXXX to XXXX and or remove these accounts : FRAUDULENT XXXX, XXXX, XXXX TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition to, the XXXX XXXX stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the XXXX business days allowed with the XXXX & in accordance to Consumer Law ( FCRA ) XXXX U.S.C XXXX & XXXX U.S.C XXXX ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : XXXX U.S.C. XXXX ( A ) ( XXXX ) [ 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 ], XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, & XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX.
Product: Debt collection

The collection agency Admin Recovery has contacted me regarding a debt. I spoke with XXXX XXXX, and made a monthly payment arrangement to pay the debt in full. He refused to administer the payments on the date I informed him was necessary. The date of the draft is specific because my husband is a XXXX XXXX  veteran who is receiving Veteran 's Affairs XXXX Compensation, this limits our budget severely. The payments would not go through until the first of the month and they continued to draft them on the last day of the month resulting in a missed payment. They were unwilling to negotiate a better solution. XXXX XXXX then threatened legal action to scare us into payment. There were multiple occasions that after the payment would fair on the last day of the month he would call my place of employment multiple times and notify them of my debt. Then recently on XX/XX/XXXX2019 he contacted my mother directly on a phone line that is unlisted to notify her of my debt and obligation to pay. He has been harassing and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX XXXX XXXX XXXXXX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again.
Product: Debt collection

Purchased a mirror from XXXX. It arrived damaged. I reported it on the XXXX  app. It told me to add pictures of the damaged item ( and to my knowledge after the fact I uploaded the wrong picture of another mirror ) nevertheless the system generated a refund and told me to donate or dispose of the item. Almost 4 months after, im contacted by XXXX  stating they are reversing the charge because pictures didnt depict damage & then threatened to call the police on me for submitting a fraudulent delivery issue, solely based on the wrong pictures provided. Card they kept trying to charge had new expiration date and wouldnt go through on XXXX  end. They submitted to debt collector. I disputed with debt collector, debt collector is telling me same thing XXXX  is and unless I can return the item ( which was thrown away due to broken glass ) or send them the pictures of damage ( which after 4 months and being refunded immediately I deleted the picture ) then I am still responsible for this charge and have to pay it. XXXX should of noticed this within 30 days of refund given and not 4 months later and still expect me to be liable for a damaged item. Its XXXX  system that refunded me. Change the system and dont offer refunds so easily and then tell a customer to donate or dispose of the item. Even if I had uploaded the correct picture the system still would of told me to dispose of the item. I even offered for them to send a police officer into my home to see if the item was here, because it is not and that wasnt sufficient enough for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : FST XXXX {$0.00} XXXX-Balance {$3000.00} XXXXBalance {$350.00} XXXX {$12000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$1400.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) -XXXXBalance {$1400.00} XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX*-Balance {$1400.00} XXXX XXXX****-Balance {$190.00}
Product: Debt collection

Hi. I received a letter in the mail of a debt that is not mine from 2017. I have no outstanding bill with XXXX XXXX XXXX. I have tried calling to speak with someone to explain that I have no outstanding debt and no one will return my call. I'm very confused as to why I'm getting this letter. It is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the XXXX breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX  {$83.00} 8 ) XXXX XXXX {$760.00}
Product: Credit reporting or other personal consumer reports

Experian has been reporting on their credit monitor service that the disputes that were placed are resolved ; however, despite that Experian is reporting to the Consumer Financial Protection Bureau that the Experian response is in the progress of resolution of the disputes which is another inaccuracy and contradiction. In addition, I was told by an Experian representative that Experian did not investigate my disputes instead Experian used artificial intelligence software to resolve my disputes in XXXX to XXXX days without an actual investigation. I am writing this as evidence for any forthcoming future litigation with Experian. Please see the attachments.
Product: Debt collection

I keep getting calls from a company called ASG Solutions LLC. The lady who left this message name is XXXX XXXX XXXX. I checked my messages today XX/XX/2019 I'm not sure if she called today or on XX/XX/2019. Any way her message states she is calling on behalf of XXXX shes been instructed to contact my place of employment today and to send out a courier and that I have been legally notified reference # XXXX. She would be calling my place of employment today. I called her number back got voicemail left a message stating she does not have the right to call my cell phone or employer. This message is threatening and has harrassing. Please stop these people from contacting me by phone and from calling or showing up at my place of employment. The only contact should be made by mail only. I'm sure they have violated some rules for debt collecting. I don't have any documents to attach I did save the voice message
Product: Credit card

A credit card was fraudulently opened in my name w ith USAA. A USAA rep resentative stated this card would be closed due to fraud. The card is still open and affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNTS ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried numerous time disputing hard inquiries with Transunion. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Transunion with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Transunion refuses to delete them from my file.
Product: Mortgage

I received a letter from Real Time Solutions charging me an amount of XXXX and I really do n't know what is it. I had a second mortgage, but as far as I know, it was eliminated in the bankruptcy process in which I was involved. Is a letter charging and explain nothing about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an equity line of credit on my home and wasn't able to get it I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to XXXX, XXXX and Experian. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. 
The following personal information is incorrect Account Number : Former : XXXX, XXXX The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : 3 XXXX  XXXX XXXX XXXX XXXX CT XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX NY XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 The status is incorrect for the following account XXXX XXXX XXXX XXXX  Account Number : XXXX The following personal information is incorrect XXXX XXXX Account Number : XXXX The following account is not mine XXXX Account Number : XXXX The following account is not mine XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Identity Theft XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Validate Account XXXX XXXX Account Number : XXXX remove it from my credit report. 

Validate Account XXXX Account Number : XXXX remove this inaccurate information from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX delete from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXX XXXX  XXXX XXXX Account Number : XXXX delete from my credit report. 

Identity Theft XXXX  XXXX. 
Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft The status is incorrect for the following account XXXX XXXX Account Number : XXXX delete from my credit report.