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

I am writing to formally file a complaint against [ Credit Reporting Agency Name ( s ) ] for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with the inaccurate reporting of information on my credit report due to identity theft. The details of my complaint are as follows : Inaccurate Reporting of Identity Theft : My credit report includes a XXXX  XXXX account under the name " XXXX XXXX XXXX. '' My correct name is " XXXX XXXX XXXX. '' This is a clear case of identity theft, and the continued reporting of this account under the wrong name is both damaging and inaccurate. 

Failure to Conduct Timely Investigation : I reported this issue to the credit reporting agencies over 30 days ago, yet they have failed to resolve the matter within the legally required timeframe. Under 15 U.S.C. 1681i of the FCRA, credit reporting agencies must investigate disputes and correct inaccuracies within 30 days. 

Unlawful Re-insertion of Disputed Items : After initially removing the disputed items from my credit report, they have been re-inserted without proper notification and justification. This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, which mandates proper notification before re-inserting any disputed information.

Lack of Written Consent : I never provided written consent for the reporting of any accounts cited on the identity theft report. According to 15 U.S.C. 1681b of the FCRA, a consumer reporting agency may furnish a consumer report only under specific conditions, including the consumer 's written consent, which in this case, I did not provide.

Failure to Remove Identity Theft Information within Four Days : According to 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate proof of the identity theft. Despite providing the necessary documentation, the agencies have not complied with this requirement. 

Denial of Credit : I was denied credit because of the inaccurate XXXX XXXX credit card account. According to 15 U.S.C. 1681m, users of consumer reports are required to provide consumers with notice when adverse actions are taken based on information in a consumer report. This denial of credit has caused me significant harm.
Product: Mortgage

My name is XXXX XXXX XXXX have amrotage with US bank Home mortage Regarding US bank Home Mortage XXXX. Talking to representative XX/XX/2023 at US BANK Im getting a bunch of different response regarding the partial claim I submitted. The patrial claim I entered was supposed to reset the loan and included XXXX, XXXX, and XXXX payment. I was supposed to send in XXXX payment with the partial claim paperwork, which I did. I informed that I still owe XXXX a payment and was told buy another US bank rpeoreriastaive it was fee and that the payment went towards the fee and only XXXX dollars off the payment went into escrow, The n she changed it again I asked for a supervisor. I spoke with representive # XXXX who also reports there a notice in small written form that mention the payment goes toward escrow, and she could not identify the page number of the document on the partial claim. The representative said she would escalate as there is some confusion, and she would see if the payment sent in would go towards XXXX payment, which was my understanding of the partial clam agreement. 

Us Bank seem to not be accurate with how this is handled, and I am not aware of any fees for the partial claim and the partial claim is supposed to reset the loan and clear up all fee, past due for XXXX, XXXX, XXXX. The have XXXX payment and it is unclear how and where that payment. I am filing a dispute that the payment I sent in with the partial claim be used for XXXX mortgage as agreed upon and as I was informed. 

I am told the payment went to escrow, My payment went up to address the mortgage payment so if it went to escrow why didn't my payment go down. There is no account for how my XXXX payment was applied to I keep getting different Reponses 's and the main one it was a fee and XXXX dollars applied to escrow. 

Also, there was cover letter with instruction with the paperwork that said send in XXXX payment and there was due date, this is not attached as I would need to find that paper. 
That they remove any late fee or late reports to credit bureau as payment was received in XXXX for XXXX mortgage with the partial claim that was also submitted in late XX/XX/2023.
Product: Checking or savings account

My name is XXXX XXXX of XXXX 's XXXX XXXX I have a business account with Bank of America I had to open a XXXX of XXXX back in XXXX I contacted Bank of America letting them know that someone is watching my account and it was basically left on deaf ears there was a lot of money going into my business account none of the notifications were put on there letting me know how much money is being spent, then in XX/XX/XXXX I received a lawsuit from the some company that I have never done business with also they frozen my account that had XXXX which was in my account ending in XXXX, I knew something like this was gon na happen look what happen, but here what was going on your legal department kept sending out checks that of XXXX the reverse XXXX back into my account on XX/XX/XXXX then they sent me a check for XXXX for that I put back into my account with other credits I got which total XXXX dollars then that money went frozen now they ended up giving the credit XXXX and mind u my account had XXXX in it. Then I open my account in XXXX with Bank of America that ends in XXXX I then contact Bank of America due to my account falling below XXXX dollars so then my app was showing that all my money was in my account its not until I checked a couple days later it showed that my money was missing, most of the transactions was done online, I was able to get back some of the money but the 3 XXXX  XXXX purchases and the XXXX I didn't make that purchase Bank of America denial of my claim was due to me not opening up the claim when I saw it and I explained to them that it wasn't showing up for me, also my account ending in XXXX that was the account I was in trying to get that fixed and that's the account was I was focused on also that's it so also my account was showing hacked my account was showing that there was fraud, then following that I had to open up other claims that have been credited back but the other claims have been denied stating that there's no fraud, I will like my money back for claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the account below which is not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC and Police Report which I have filed, but nothing has changed. Now tell me, are playing around?! XXXX let me inform you that you are NOT COMPLYING with the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THIS ACCOUNT INSTANTLY! 

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

My company took out a line of credit with Prosper after a general contractor failed to make multiple payments and breached their contract with XXXX XXXX, XXXX. The loan was to cover payroll, taxes and fees associated with that specific project. 
Prosper advertises " Small Business Loans '' so I contacted them to apply under XXXX XXXX, XXXX. We were awarded the line of credit and paid suppliers, employees, taxes and fees. We were eventually paid by the general contractor and owner after filing a mechanic 's lien on the commercial property. 
They weren't getting paid because bill were not being sent to the business. I later learned Prosper used my personal social security number and was making negative reports on my credit report. 
I contacted my attorney and he noticed Prosper advertises " Small Business Loans '' and advised me to contact the credit reporting agencies immediately as all reports should be on the XXXX XXXX issued by the IRS and not my or any partners personal social security numbers. 
Now my credit took a bad hit
Product: Credit reporting, credit repair services, or other personal consumer reports

Include that their customer service would not help and take care of the negative inquiries reporting to your credit report! 

Inquiry details XXXX Inquiry from XX/XX/XXXX Utilities & Fuel Credit Tech Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX from XX/XX/XXXX Credit Union XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed Account : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C, ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-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: Mortgage

1st Tribal Lending denied my COVID HUD Forbearance application because I didn't send in an extra copy of the application. Then in XXXX of 2021 we had water damage and our insurance sent them a check and we paid the contractor out of pocket because we " thought '' the funds they received from our insurance claim would be added to our mortgage balance due because we could not pay our mortgage due to XXXX. Then we were/are approved for XXXX funds and they will not respond to our XXXX representative when she told them we have $ XXXX in funds available. They denied us for their mortgage assistance program and now we are in Foreclosure. I don't understand how they can hold on to our insurance money, deny us assistance, and deny XXXX funds on our behalf. I work for a housing authority and this is unheard of!
Product: Credit reporting, credit repair services, or other personal consumer reports

Very dis harden and meet with severe disappointment, Ive wrote the credit bureaus well over 45 days ago asking that they take great looks into my credit profile I have several inaccuracies and fell that me bruh a woman in America I am being taking advantage of, I understand we are at a climate in America where the rights of women are being taking away by them in a blink of a eye. I ask that you come to the aid of a American tax paying citizen. Not only am I righteous I am right, I need Help in assistances I am boring taking advantage of
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX I at XXXX this morning purchased XXXX, XXXX gift cards from speedy on XXXX XXXX XXXX XXXX in XXXX Mn. I gave them XXXX CASH for XXXX vanilla gift cards and when I tried to use them 1 had ZERO on it..the second it was activated someone purchased XXXX on XXXX and the balance is 0... the 2nd one had also XXXX and when it got activated someone stole XXXX from XXXX XXXX company. The 3rd one is not yet active however I feel once it is someone will steal that as well ... vanilla visa customer care puts u on hold FOREVER..XXXX says XXXX XXXX its my problem and I even called XXXX police and they also said it's my problem..Now how do I give XXXX for 3 gift cards get NOTHING in return and it's MY PROBLEM..The same thing with XXXX happened to me at XXXX back in XXXX and XXXX said its.my problem XXXX Now how do these companies continue to sell bad credit cards and when they are confronted they say GO AWAY? WTH..is this news that they are doing this daily..it 's all over the internet ..I am out XXXX and XXXX  and vanilla won't do a thing..thanks for your time..sincerely XXXX XXXX XXXX XXXX XXXX XXXX and God bless fyi.. I called them two times tonight and waited one time for XXXX XXXX and 1 time for XXXX XXXX  and both times Vanilla gift card customer service hung up on me said that there was nothing they could do and they hung up as well ... Is this not theft? 






. 

Sent from my XXXX  XXXX Device Get Outlook for XXXX  Sent from my XXXX  XXXX Device Get Outlook for XXXX Sent from my XXXX  XXXX Device Get Outlook foXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major problem with the credit bureaus. First my data was breached in an Equifax data breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

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

XX/XX/year>XXXX XXXX XXXXXX/XX/year> I seeing that it was reported for information towards a fraud account. Im trying to get information on the chime account that I was applying for which the company say that I already had an account with them that I wasnt aware of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I contacted this company, they did not respond.
Product: Debt collection

At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC XXXX.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

In the last 3 weeks I have gotten 4 calls from the following number : XXXX with the following message : This message is for ( my name ). If you are not ( my name ) please hang up. By continuing to listen to this message you agree that you are XXXX XXXX. My name is ( insert name here ) and I am calling from Northstar Location Services please return my call at XXXX regarding a debt collection. 

I do not have any outstanding debts. I have looked up the number and it there have been several complaints that this is a scammer number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year>2025 To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received a consolidation loan from XXXX Bank and part of the loan proceeds, {$4900.00} were paid to Comenity Bank to payoff my XXXX XXXX XXXX account. XXXX Bank mailed the payment directly to Comenity Bank on XX/XX/XXXX, but Comenity Bank, never processed the check. On XX/XX/XXXX, XXXX Bank issued a replacement check payable to Comenity Bank and it was mailed by XXXX priority mail on XX/XX/XXXX with tracking to Comenity Bank. This payment was picked up by Comenity Bank at its XXXX post office box on XX/XX/XXXX as evidenced by a XXXX XXXX receipt. As of XX/XX/XXXX, neither, the original check nor the replacement check have been posted to my account at Comenity Bank. I have spoken to them several times over the last month, and they have never acknowledged having received the payment, and they have never provided a satisfactory response or try to solve this problem. 

Attached are copies off my documentation confirming my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Mortgage

In reference to complaint number XXXX, we have not received a response from Nationstar. Per their last communication to us, Nationstar was to provide a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and we have not heard from Nationstar.
Product: Credit reporting or other personal consumer reports

Unknown debt collection company is still listed on transunion my data was breached in the XXXX breach but had no problem removing from the other bureaus. I've requested a contract copy showing I agreed to work with this particular company and I get a generic response with an amount and date I have no knowledge of. This has been the problem since my data was breached in the XXXX Despite having obviousky been a victim with so many instances of this happening to me and the time I've spent combatting it on the phone, spending my own money and time XXXX XXXX XXXX keeps saying I need to cure my claim but is never specific to the information needed. Ive sent letters, ftc identity theft reports, screenshots of bank disputes due to unauthorized charges which didnt get paid back by the banks. Ive got several cfpb complaints that should be able to be pulled up and forwarded to this shady settlement company.