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

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX XXXX XXXX XXXX  - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX ( Original Creditor : XXXX XXXX BANK ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : XXXX XXXX XXXX : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Upon checking my Trans Union credit report, I found several inquiries on my report that were not created, generated, or authorized by me. I have no knowledge of these companies nor have I applied with any credit from them. I have reached out to each company and they can not tell me who or why these inquiries were generated, As it stands, I am now fearful that these unauthorized inquires are negatively impacting my credit and may hinder me from acquiring credit for me and my family in the future. According to the FCRA, any fraudulent, or incorrect information on my report must be removed immediately upon my request. Therefore, I am requesting that Trans Union make an immediate removal the following inquires on my Trans Union credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information immediately. 

Thank you
Product: Credit card or prepaid card

fraud charge happened 6 weeks ago. still shows pending. now the utilization is showing up on my credit report
Product: Debt collection

XX/XX/year> Complaint Against National Credit System Regarding Credit Reporting Violations I am writing to file a formal complaint against National Credit System for violations of the Fair Credit Reporting Act ( FCRA ) and failure to properly validate a debt that they continue to report on my credit report. Despite my repeated requests for validation over the past year, they have failed to provide the required documentation. 
Nature of Complaint : Failure to Properly Validate Debt : I have made multiple requests for debt validation over the past year The creditor has failed to provide authenticated double-entry accounting records They have not furnished original signed contracts or agreements proving my obligation They have not demonstrated their legal right to collect and report this debt FCRA Violations : Violation of 15 U.S.C. 1681i regarding reinvestigation of disputed information Violation of 15 U.S.C. 1681s-2 regarding furnisher responsibilities Continued reporting of inaccurate information despite dispute Failure to conduct proper investigation of disputed information Documentation Requests Ignored : No response to requests for securitization documentation No verification of permissible purpose for continued reporting No confirmation regarding whether a 1099-C was issued if debt was forgiven No response to requests for current reporting status verification 1099-C Form Request If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, as required when debt forgiveness exceeds {$600.00}. The IRS mandates that creditors issue a 1099-C form in cases where debt is canceled or forgiven in an amount over {$600.00}. If you have failed to file this form, continued reporting of this debt may be in violation of federal requirements. I request that this account be deleted from my credit report if it has been discharged or forgiven without proper reporting to the IRS. 

Previous Attempts to Resolve : I have made multiple written requests to the creditor over the past year seeking proper validation of this debt under both federal law and Georgia state law. These requests have cited relevant legal precedents including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX. The creditor has failed to respond adequately to any of these requests.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX around XXXX XXXX  I tried to log into my Robinhood account. I was near XXXX XXXX, XXXX  on a hunt and it was dark out and I was wearing a hat and the face ID log in failed on 3 attempts. I have never had that happen before as normally it then prompts to use my password. Instead, Robinhood restricted my account for some reason. It prompted me to take photos of myself and my license shortly after. I sent those in, multiple times, with the only response ( later on XX/XX/XXXX ) is to log into my account or change my password to get ahold of support. Well, I can't log in due to the restriction, so I changed my password, tried to log in, then had to take another set of photos of myself. I have exhausted all means of communication with them as they do not allow phone calls to them unless logged in and have received no other response. I have also reached out to their XXXXXXXX help account which told me to wait for an email. The email I received was to again log in but I am unable to. I am requesting a response from Robinhood of why my account was restricted and to have them regain my access to my account as I have a lot of money there. I have sent in selfies and my license. I do not understand why I am still not able to be able to log in. I have read of many horror stories of Robinhood locking out the account for good or zero communication and am worried with not being able to log in to call or contact support that I will not be able to get ahold of them regarding. 

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

On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX  with a open balance of {$640.00}. XXXX starting this claim to have this account disputed and removed from my credit.
Product: Credit reporting or other personal consumer reports

Complaint Title : Violation of Bankruptcy Information Reported by Experian Complaint Description : I am filing a complaint regarding a bankruptcy listing on my credit report. On XX/XX/year>, I contacted Experian to request that they validate a bankruptcy entry on my credit report. I specifically asked them to provide documentation from the original source validating the inclusion of the bankruptcy. Experian responded by stating, " The company that reported the information has certified to Experian that the information is accurate. '' However, on XX/XX/year>, I contacted the bankruptcy court to confirm their involvement in reporting bankruptcy information to credit bureaus. The bankruptcy court confirmed that they do not report or validate bankruptcy information with any credit bureau. This contradicts the statement from Experian, indicating that Experian relied on false information to certify the accuracy of the bankruptcy entry. 
It is clear that Experian failed to properly verify the accuracy of the information before stating it was valid. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and verify the accuracy of information. Since the bankruptcy court explicitly stated they do not report such information, Experian 's actions appear to be in violation of the FCRA, specifically Section 607 ( b ) ( prohibiting reporting inaccurate information ) and Section 611 ( requiring proper investigation and verification ). 
I am requesting that Experian immediately remove the bankruptcy entry from my credit report, as it is based on false and unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cosigned for mortgage in XXXX. Account seriously delinquent since at least XX/XX/XXXX. Never notified of delinquency EVEN to date by XXXX or the primary borrower. Discovered XX/XX/XXXX when routinely checking credit report. I don't even have an account number for this loan! My credit score dropped from XXXX to XXXX in XXXX because of this account. I obviously pay my bills! XXXX, by NOT informing us of the delinquency, has engaged in unfair credit reporting. How can I be expected to resolve this matter if I'm uninformed? This could have been resolved 2 years ago & modifications made. As I stated I don't even have an account number. Also we have NEVER lived at the address of the loan nor have we EVER received mail there. The address was added to our credit report XX/XX/XXXX without our knowledge or consent! An XXXX representative informed us that the primary borrower can request that the cosigners NOT receive notifications! If we have EVER been notified of issues with this account, please provide us the addresses or phone numbers notified because there are several wrong phone numbers & addresses listed on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, On XX/XX/year> ] I disputed an account reported by XXXX XXXX  XXXX, ] I was informed on [ XX/XX/year> that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section XXXX ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. 
I am submitting this complaint separately to the Consumer Financial Protection Bureau, the XXXX XXXXXXXX XXXX, and the XXXX. 
Please govern yourself accordingly.
Product: Mortgage

my loan is with Green Tree servicing fell behind by a mth on my mortgage they are holding payments in suspense and will not apply them I also made a XXXX XXXX payment a year ago the amount was given to me by my then account manager XXXX was her name I need proof that that was applied also I have asked for a loan modification package that the hope hot line told me to ask for I have left messages with my new account manager XXXX also requesting this modification package and she will not return my calls I pay my loan every mth and have proof of it they are trying to say I owe them over XXXX dollars this is not true as I have proof of payments
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 ( XXXX XXXX XXXX XXXXXXXX ) in accordance with The Fair Credit Reporting 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 reinvestigation.
Product: Debt collection

PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Mortgage

I was asked if the appraiser could come on the property and in the house, I said yes. 
My wife advised me that someone came by in a car at thirty five to forty miles per hour taking pictures of the house. I called XXXX or XXXX XXXX, she is in charge of the loan procedure, to inquire about the above incident and she responded that the appraiser does this to enable them to get a county court house record of my house!? I asked her if using my address wouldn't have been easier, she said by federal law this is required!! I recently changed my mortgage company to Sun Trust Mortgage, which she works for, and another appraisal was done by a different appraisers, XXXX XXXX XXXX, XXXX, performed by a XXXX XXXX XXXX, it was appraised at XXXX dollars at that time. Since that appraisal I have completed 30,000+ dollars improvements on my house. The new appraisal was given to me by email at XXXX dollars!! My house, according to Sun Trust Bank, has depreciated by XXXX dollars!! I have directed many questions to XXXX or XXXX XXXX about this appraisal and the depreciation of my property, she said that spending XXXX XXXX dollars for improvements doesn't mean that all goes to the appreciation of a home, only a percentage. I asked what the percentage would be, she couldn't come up with an answer. If you require proof of the improvements to my house I can send them to you. Long story short, She is exceedingly vague with her answers, I am in the process of getting all laws concerning the housing equity line of credit which pertain to North Carolina. Since she, many times, referred to Federal Laws, I am asking you to help me in this matter.
Product: Credit reporting or other personal consumer reports

transunion Dear TransUnion You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : TransUnion I demand that you remove the following personal information that is being reported inaccurately : XXXX XXXX Reported : XX/XX/XXXX Remarks : charged off as bad debt Meets FCRA Closed : XXXX XXXX Type : Credit Card XXXX XXXX : XXXX XXXX  Opened Date : XXXX XXXX XXXX XXXX  XXXX Company : First Progress Company Address : XXXX XXXX XXXX XXXX, GA XXXX I demand that you delete the following items being reported inaccurately as follows : Reported : XX/XX/XXXX Account : Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I demand that you remove the following public records being reported as follows : Company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquiry : XXXX XXXX I demand that you correct the following accounts being reported as follows : Opened XXXX. XXXX, XXXX ( XXXX XXXX  ) Account status : Open Type : Derogatory Responsibility : Individual Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Remarks : Placed for Collections Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you required by federal accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law unverifiable accounts must be removed. 

Please see the attached documents as confirmation of my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX account status Derogatory Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

Zelle has made me lose a lot of money with fraud and not being able to reverse a transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous dispute also decreased my score for an account being paid in full that I am an authorized user of. I do not suppose to have a negative impact on my credit as an authorized user XXXX XXXX Account # XXXX took points from me
Product: Debt collection

XXXX XXXX is claiming i lived in a apartment after dates provided on my lease in XX/XX/XXXXand is asking for {$600.00} in utilities expense for a time i was not living in apartment XX/XX/XXXX filed dispute Never received response from company after providing evidence of not living in apartment XX/XX/XXXX nation grid filed collection I have attached a copy of my lease showing that i left when charges are still continuing. I also left out of my lease early in XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Navy Federal Credit Union is in violation of of my consumer rights only signed under Title 15 Chapter XXXX. Navy Federal Credit Union is violation of the Truth in Lending Act, and Equal Opportunity Credit Act, as I was discriminated against in regards to a consumer credit application for a used vehicle. XXXX and 15 USC 1691 states I cant be denied on an application if I exercise rights under Title 15 Chapter XXXX which is discrimination of character. I am being discriminated against for something Navy Federal Credit Union cant give me, nor can see, touch, smell, nor taste. Banks do not have the power to loan money or give out credit as they are a fictions entity. 12 USC 1431 clearly states the powers and duties of the bank, and Title 15 Chapter XXXX in no way shape or form defines the term loan or borrower therefore can not the application and myself can not be referrenced as such. Navy Federal Credit Union is denying my consumer credit application based on a credit score which is nothing but a debt calculator and have addressed their decision letter to a XXXX XXXX XXXX which is a corporation. I am in fact a natural born person, flesh, blood, and spirit under the most high and do business as XXXX XXXX, XXXX. How can Navy Federal Credit Union deny my right to my own credit when they dont even know who they are giving the credit to? I am not a dead man nor corporation, XXXX created natural persons ( living beings ) not corporations ( dead entities ). Navy Federal furnished a generic application/contract which must contain adequate and full disclosure pursuant through federal law. Every contract pertaining an automotive vehicle contains the promise that I have already given the bank or dealership the security interest for the vehicle and all pets or goods in the vehicle ; all money or goods received for the vehicle, all insurance, maintenance, service, or other contracts we finance for you ; all proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This would secure payments of all that is owed on the contract/application. Attached is a sworn affidavit of truth which is a law binding document, that must be met with documentary evidence and a sworn statement rebutting the facts within. A cookie has been mailed to Navy Federal Credit Union XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Hi I was trying to connect to XXXX and now I cant because my bank will not allow it. XXXX has been I great help for in the time of need.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$830.00} DEPTEDXXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX  XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX XXXX Balance Owed : {$440.00}