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

I am a victim of fraud & identity theft. I contacted Equifax and XXXX TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX
Product: Credit card or prepaid card

I did a balance transfer from XXXX XXXX to Discover. On top of that Discover doesn't show me what the charges where from the balance transfer. They even reported  me to XXXX when I have 18 months of 0 % APR financing. I sent a payment on XX/XX/2018 and have not received a confirmation email.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> Equifax Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX  Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$7700.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTC ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seep appropriate redress for these violations.
Product: Debt collection

The collection debt noted as Kimball St Trey and John LLP is 6 months past the California statute of limitations and can not be legally pursued and or collected. However this company still has it on my credit as an open collection and are still updating the balance. The collection opened on XX/XX/XXXX and as of XX/XX/XXXX was a time-barred debt and should have been closed and removed. 

California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts, lenders and debtors can not attempt to collect debts that are more than four years past due as it is against the law and is illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1970, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I phone the company more times than I can count. I asked them to reposses the vehicle in questioning and to stop calling me and other people who they assumed could get in contact with me. They were calling random family members of mine after I asked them not to do so. I was experiencing severe XXXX when I was asked by a family member to co-sign for a vehicle. I signed the contract under pressure from the sells and finance men. I even went back to the dealership two or three times after signing for the vehicle, only to be met with, the contract is legal and maybe after 6-8 months you can refinance and get your name off the contract. They were paying on my mental state, knowing I was severely XXXX
Product: Credit reporting

Trans Union has not been able to provide me with an online view of my credit reports despite many calls and speaking to several supervisors about the issues. They continue to state they are working on the problem but there is never a resolution. This issue has been ongoing for over a year. They insist that I call in every time I need to file a dispute or apply a security freeze on my credit reports.
Product: Checking or savings account

I have two checking accounts with US Bank. One checking account had a hold on the account. The other checking account was without a hold. I also had a power of attorney agreement with my son to have access to both checking accounts because I am home-bound and unable to personally go to the bank branch. My son on XX/XX/2023 at approximately XXXX pacific standard time went to the USBank branch located on XXXX XXXX XXXX XXXX XXXX California and requested to the bank teller to transfer {$9000.00} from the checking account with the hold to the checking account without the hold restriction. The bank teller explained that only US Bank 's 24 banker can remove the hold on the checking account. Prior to XX/XX/2023, the 24 hour banker explained that only the bank branch could remove the hold. In addition, the branch bank teller also explained that the account holder who placed the hold on the checking account needed to be present at the bank branch to remove the hold, no hold would be removed to a person with a power of attorney on file with the bank. My son requested to speak to the branch manager. The branch manager, XXXX XXXX, agreed with the branch teller. My son called the 24 hour banker. The 24 hour banker disagreed with the branch bank teller and branch manager. The 24 hour banker called the branch three times, but, the branch manager refused to answer the telephone calls. The 24 hour banker transferred my call to US Bank 's fraud department. The fraud department also tried to call the branch manager to explain that the branch manager was mistaken and the hold should be removed. However, the branch manager refused to accept the calls from the fraud department. The branch manager told my son to go to the " home '' branch where the checking account was originated. The home branch should be able to remove the hold. The branch manager violated my civil rights as a XXXX person to do banking with US Bank.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I made a police report for Fraud and Discover still refuses to return my money.
Product: Debt collection

I was applying for a credit card and was denied in the beginning of XX/XX/XXXX. I looked on my credit report and saw there was a collection agency on it, Diversified Adjustment. I called them and spoke with XXXX, XXXX. She asked me if I live at XXXX XXXX XXXX XXXX and I said no. I later called om XX/XX/XXXX and told XXXX I never got a debt verification letter and she explained XXXX was the ones who hired the collections agency to get money they thought I owed them. I took 1 week off to get things sorted and to get a police report that indicates grand larceny, from XXXX as it was a XXXX employee XXXX XXXX XXXX that opened a second account without my knowledge and bought {$7100.00} in my name, committing identity theft as he asked me for my whole social # and took a picture of my drivers license. I emailed the collection agency four times to give me a letter that shows the debt that is being owed. They never responded to me. XXXX hung up on me as well as XXXX. This collection agency breached the FDCPA.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commissions ( FTC ) guidance regarding the handling of fraudulent and unauthorized accounts. 

Despite submitting an identity theft report, a copy of my state-issued ID, and other supporting documentation, TransUnion continues to report a fraudulent and unauthorized account on my credit file instead of removing or blocking it, as required by law. I have repeatedly requested documentation showing how TransUnion verified the legitimacy of the account, including a copy of the original credit application with my signature, the address associated with the account at the time it was opened, and the identity of the representative from XXXXXXXX XXXX with whom TransUnion confirmed the account. TransUnion has failed to provide this information. 

Instead, I have been sent multiple identical letterssometimes up to five in a single daystating the account has been verified. These generic responses do not address my concerns or provide any proof of verification as mandated by the FCRA. This demonstrates a clear disregard for the proper procedures required when handling disputed fraudulent accounts and a failure to protect consumers from the impact of identity theft. 

I respectfully request the CFPB investigate TransUnions handling of this matter and take appropriate action to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i reviewed my credit report and found unverifiable, and inaccurate items that were reported that were not 100 % correct. 

As you know it is against the law to report any information not proven accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

XXXX did not change the amount owed. I was charged for XXXX services and only had XXXX. The phone was always needing service order requests that eventually never got resolved. I will pay the bill once corrected.
Product: Credit reporting or other personal consumer reports

I've previously filed a CFPB complaint against this company, Transunion. The complaint number is XXXX. Transunion has replied to the complaint with a LIE that they have removed the Account in question ( XXXX XXXX XXXX ). The account is still indeed reporting along with the inquiries I also disputed. Included in my disputes with this company, I've provided a police report, FTC report ( s ) and documents that prove that I am who I say I am; All of which shows that I am a victim of identity theft. Per consumer laws, the account in question should be deleted. I have previously filed a lawsuit against this company for the same exact misinformation being reported on my behalf. I am making this formal public complaint before issuing another. The following inquiries are also not authorized by me XXXX XXXX - XX/XX/23XXXX XXXX - XXXXFCRA Section 611 ( a ) ( 5 ) ( A ) : This section requires the reporting agency to follow reasonable procedures to ensure the maximum possible accuracy of the information in the consumer 's credit report.

FCRA Section 611 ( a ) ( 7 ) : This section stipulates that if a consumer disputes the completeness or accuracy of any item of information, and the information is found to be inaccurate or can not be verified, then the reporting agency must promptly delete that item or correct the information.

FCRA Section 623 ( a ) ( 8 ) : This section requires that a reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the information disputed by the consumer.

FCRA Section 623 ( a ) ( 2 ) : This section prohibits the reinsertion of information previously deleted without notice to the consumer unless the furnisher certifies the accuracy of the information.

Furthermore, I want to highlight that I have taken additional steps to address this issue : I have filed a report with the Federal Trade Commission ( FTC ) and possess a reference number for the complaint.

I have filed a police report regarding the fraudulent nature of the account, and I can provide a copy of this report upon request.
Product: Debt collection

On XX/XX/XXXX, I submitted a complaint # XXXX to CFPB. The company, Consumer Adjustment Company , Inc. ( CACi ), responded to the complaint on XX/XX/XXXX. The former complaint was in regards to CACi, a debt collector, who allegedly was authorized to collect an alleged debt. CACi reported this alleged debt to consumer reporting agencies which caused a decrease in my credit score. I immediately disputed the CACi reporting via CFPB and the consumer reporting agencies and the report was immediately removed from my consumer credit report. Although the negative information was removed following my dispute, my credit score did not return to its original value before the CACi reporting. Therefore, I sought remedy from CACi for violations which were made against my consumer rights according to 15 U.S. Code Chapter 41. Along with the request for remedy, I submitted a certified mailed letter with signature request to CACi, informing them of the several consumer law violations which were made by them and an invoice was attached as well. I demanded a remedy and/or rebuttal of my request be presented to me within the next 10 business days from receiving my letter. A CACi, representative signed the receipt of this letter on XX/XX/XXXX. As of today, no response nor payment has been received from CACi. I have attached to this complaint, a copy of the affidavit and invoice which was mailed to CACi. Per the attachment, please note that CACi was dishonest with the information which was given in response to my previous claim against them. CACi reviewed my consumer report almost a month in advance before reporting new alleged debt information which consisted of incorrect information. CACi was careless in its operation of collecting alleged debt and in doing so, caused harm to the integrity of my financial dependence. CACi caused a negative impact on my livelihood and must take responsibility and acceptance to their negligence in reporting of consumer credit misinformation.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with Equifax and XXXX ; regrettably, the matter remains unresolved to date. The items listed do not pertain to me and are a consequence of unauthorized fraud that I did not authorize. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I have a 36 month lease with Hyundai Finance. The lease matures on XX/XX/2022, I call them to get my pay off and they refuse to give me the current pay off. I am trying to sell the vehicle and I can't because they refuse to give me the amount of the pay off. My ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both now XXXX XXXX XXXX { which has been reported to the Washington Attorney General } and XXXX have maliciously destroyed me Both and all including yourself have made a XXXX mess which I am willing to contact the News and have all exposed. This is what you all have managed to do Wipe out my good credit that I worked hard at, THANKS XXXX drop me from XXXX score down to nearly XXXX, and XXXX has managed to XXXX me out no thanks to YOU! I have had it with the covering up, the lies and the deception from all of you And I am now going to use the money I have saved for a Car, to hire a ATTORNEY and sue ALL OF YOU FOR TORT, PUNITIVE DAMAGES and FRAUD. You have XXXX me off this time XXXX XXXX, 2017, I CALLED XXXX XXXX AGAIN, THE ACCOUNT IS {$0.00} AND THE ACCOUNT HAS BEEN CLOSED OUT AS PAID IN FULL, THEY HAVE SUBMITTED TO ALL THREE CREDIT FRAUDERS THE INFO, SO WHOEVER IS XXXX AROUND, YOU APPARENTLY HAVE NO IDEA WHAT YOU ARE DOING BUT TO KEEP THIS GOING FOR 5 MONTHS TELLS ME ITS TIME TO FILE A XXXX LAWSUIT, THAT MEANS I HAVE TO TAKE A LEAVE OF ABSENCE, LOOSE MORE MONEY BECAUSE YOU IDIOTS CANT FIGURE OUT WHO IS WHO. YOUR ALL SO XXXX PATHETIC, YOU COULD N'T FIND A BROTHEL IF IT WAS RIGHT AROUND THE CORNER. THAT 'S JUST PRETTY SAD. GUESS I MAY HAVE TO ALSO CONTACT THE WHITE HOUSE AND LET THEM KNOW THAT THEY GOT MORE INCOMPETENT PEOPLE CLAIMING TO BE WALKING ENCYCLOPEDIAS WITH EMPTY PAGES. NO WONDER THIS NATION IS SO XXXX XXXX, LOOK WHO 'S LEFT TO HANDLE THINGS!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX XXXX ) Experian Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1000.00} No. of Months ( terms ) : - High Credit : {$1000.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Experian XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1500.00} No. of Months ( terms ) : - High Credit : {$1500.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to respond. Your continued delays are inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three credit reporting agencies on XX/XX/XXXX to correct my address and removing all others and have not received a response from them. They are violating my rights. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting Act all these accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USC 1681 602a states i have the right to privacy. 15USC 1681sect 604a Section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions.