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

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 8th time that Im trying to get this corrected and at this point Im beyond frustrated. Equifax has requested multiple documents to verify my identity yet i still cant get in to speak with anyone. On XX/XX/XXXX i call Equifax to see why 9 of my revolving accounts had been removed. I was advised to contact the companies all of whom were clueless. How do i send multiple documents in to get my address updated and now they cant verify me with any address Ive used in the last decade?!! I have spoken to multiple people whove explained that my credit bureau report was split and needed to be merged! They have merged some of my revolving accounts but not all of them. Im still missing at least 3. One of those cards is being reported as closed. Which it is not! Im also an authorized user on another file, which was on my file prior to the split and is now gone!!! I have contacted credit one and theyve made it very clear that this is on Equifax because they are reporting it mine they are to my other bureaus. They are reporting correctly to Equifax.! My credit score is still yet to be corrected! I have sent my driver 's license social security card and now a bill!!!!!! How do i go from high XXXX to XXXX without reason! 
They are really messing me up. IM filing this complaint with cfpb today as this is ridiculous. Before I got off the phone the last time he assured me that everything was corrected just like the first time when I called and told them that my address was incorrect. And to NOT send my credit report to my grandparents home yet thats exactly what they did and I had to go grab it from my grandparents address.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX. XXXX. Got a phone call of someone pretending to be our utility company about to shut off power due to non-payment of last XXXX bills. They knew our address and amount of the XXXX bills. Long story short, talked us into paying the XXXX bills ( XXXX combined ) and an additional payment of XXXX. We paid this via the XXXX button in our online banking app, to a person named " XXXX XXXX ''. Shame on us. We called the bank while the transactions were still in " pending '' but they wouldn't do anything. 

Subsequently, we made a dispute claim XXXX XXXX, made a police report, and are trying to talk to XXXX fraud department that handles our bank, but so far are on hold, 1+ hours as I write this. We didn't know XXXX is like cash and offers no consumer protection. We thought since we were using it THROUGH our bank website that there was some protection and/or ability to reverse while still in pending. 

Then I learned that a consortium of banks invented XXXX! Now I'm not trusting my bank so much... 

The bank won't help because because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions, and we authorized these transactions. 

But, I learned that in XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 

I always loved my bank- now, not so much...
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer paid the account in full and was given a deletion to pay letter from XXXX XXXX XXXX XXXX XXXX. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY! 

Attached below is the letter the consumer received from XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX Balance {$3.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$77.00} XXXX DEPARTMENT OF EDU XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. The accounts are - XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Amount : XXXX I've reached out to the companies and haven't received any type of feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been disputing with credit bureaus regarding Public Record ( s ) reflected on my Transunion credit report. 

Federal Tax lien reference # XXXX ( Released XX/XX/XXXX ) Tax Lien reference # XXXX ( Released XX/XX/XXXX
Product: Checking or savings account

My mobile bank account with Chase was hacked into by someone. They got into my mobile bank account, compromised my XXXX that was attached to my Chase bank account, and sent themselves every last penny that was in my bank account. I immediately reported this to Chase bank. They told me they were investigating the matter and would help me with my fraudulent charges. I had to create a new online mobile bank account username and password and place a claims on this issue. Several days later, Chase reported to me that there was no fraudulent activity on my account and they would not refund the money that was stolen from me by a hacker. They said they couldn't prove I didn't authorize these charges despite the fact I reported everything immediately and changed all my online banking information. I have been a loyal customer of Chase for several years and they did me wrong by allowing their weak security systems to get hacked into and by not creating more proactive measures of catching fraudulent activity before they occur. I am disgusted by the way they handled my claim and the fact that they refuse to investigate this matter even further. They claim to have " Fraudulent protection '' but then allow their customers to have their accounts hacked into without offering them any assistance.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and was very shocked to see all these fraudulent accounts and hard inquiries on my credit report that's hurting me to know i am trying to process a home for my family. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My private student loans are serviced by AES and XXXX. My co-signer was contacted by AES about the past due amount and was informed that my monthly payment amount could be lowered to {$350.00} per month for 12 months but I would have to contact them. Also they would report the delinquency to the credit bureaus in 3 weeks if a payment was not received. Previously I emailed a letter in XXXX 2015 to AES stating that due to a reduction in hours at my employer, I could only afford to pay them {$350.00} per month not the {$710.00} they were asking. I contacted AES on XXXX/XXXX/2015, to inquire about the new payment option and was told that I do not qualify. I find it very funny that AES likes to bate and switch, XXXX minute you qualify and the next you do n't. Sounds like AES is running an illegal practice.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquires from JPMCB Card ( XXXX ) and XXXX XXXX XXXX on Credit Report Credit Reporting Agencies : XXXX, XXXX, and XXXX Date of Inquiries : XX/XX/XXXX, XX/XX/XXXX, ( XXXX Card ) and XX/XX/XXXX ( XXXX XXXXXXXX XXXX  ) Companies involved : Chase Bank and XXXX XXXX XXXX  XXXX XXXX : XXXX ( Dispute- Inaccurate Information ), XXXX ( Account not mine ) Details : I am filing this dispute to challenge the validity of XXXX hard inquiries that appear on my credit report : -JPMCB Card  [ XX/XX/XXXX ] -JPMCB Card [ XX/XX/XXXX ] XXXX XXXX XXXX  [ XX/XX/XXXX ] I did not authorize these inquiries, nor did they result in the issuance of any credit card or account. According to XXXX metro compliance guidelines, each inquiry must be tied to a legitimate credit request, which is not the case here. I request that these inquiries be removed from my credit report as they are in violation of XXXX metro compliance standards. Please investigate this matter and correct the inaccuracies. 

XXXX XXXX XXXX : This code addresses inaccurate or incorrect information in the credit report. The hard inquires from JPMCB CARD and XXXX XXXX XXXX are inaccuratley reported as I did not authorize them, and no credit was extended as a result. 
XXXX XXXX XXXX : This code indicates that the account or inquiry is not mine. Since I did not request or approve these inquiries, they should be removed from my credit report. I have only XXXX credit card that is through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. all 3 credited XXXX, XXXX and Equifax doesn't have same info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the transunion, XXXX and XXXX  regarding this and i was told to get an FTC report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX I have previously requested that my original documents be mailed to me, but I have yet to receive a response or the documents themselves. I am still awaiting a response to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for XXXX, XXXX for XXXX, and XXXX for Transunion is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. 

There is also multiple inquires from " XXXX '', " XXXXXXXX XXXX XXXX', and " XXXXXXXX XXXX XXXX' which I do not recognize, The inquires that are fraud on XXXX are " XXXX '', The inquires that are fraud on XXXX are XXXX XXXX ', The inquires that are fraud on Transunion are XXXX XXXX ', The second " XXXX ' inquiry, " XXXX XXXX  XXXX and " XXXX XXXX  ''.
Product: Credit reporting or other personal consumer reports

My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. I implore you to expedite the resolution of my identity theft disputes without further delay. I require a comprehensive investigation into these matters, the removal of fraudulent accounts from my credit report, and the restoration of my financial standing. My rights, as a consumer, must be upheld, and justice must prevail. XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit score on XXXX XXXX onXX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from Avant Personal Loan ( XXXX ) with the creditor name : XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from Avant Loans cause I did not even know that company existed. I have sent a mail to the support email for Avant Loans sand is waiting for a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting an account on my XXXX report with 2 different account numbers and 2 different last activity dates. Also one account show delinquent and the other shows paid as agreed. I have called this company several times about this issue and I have also disputed this with XXXX. XXXX is not cooperating either. Its is against the credit reporting laws to reports duplicate accounts. The attached documents are marked with the incorrect information being reporting to XXXX. I will seek legal credit reporting assistance if needed.
Product: Credit reporting or other personal consumer reports

The below 1 item ( s ) were not submitted and need your attention. 
Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$23000.00} as of XX/XX/XXXX Status Open. Deferred, payments begin XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Payment never late Additional information SEE FTC and CFPB report You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at XXXXXXXX
Product: Mortgage

To CFPB Thank you for your help previously but documents that I received were incorrect. 
I received a document from XXXX saying this my shortage and its incorrect the amount of {$1600.00}. This next part of information is what I received from XXXX ; word for word : the enclosed payment history confirms on XXXX XXXX, funds in the amount of {$200.00} were received and applied to suspense, with the effective date of XXXX XXXX. Subsequently, on XX/XX/XXXX, funds in the amount {$790.00} were reversed from suspense, and applied to the XX/XX/XXXX, monthly payment, with the effective date of XX/XX/XXXX. XXXX also received your payment in the amount of {$790.00}. XXXX. Funds in the amount of {$790.00} was applied to the XX/XX/XXXX, monthly {$0.00} was applied to suspense, effective XX/XX/XXXX. Funds in the amount of {$680.00} were also received and applied to suspense, effective XX/XX/XXXX, XXXXThe funds were considered partial payments and were placed in suspense, as they were not sufficient to complete the next payment due. 
The {$200.00} was given to them and it was meant for the XXXX payment, they didn't apply it to my mortgage payment. also, they keep saying my payments are late because my due date is the first of the month, but I specifically told them to make my due date to the for the tenth of the month. I receive XXXX on XXXX XXXX of the month. They lied about the grace period. If you could help me, I would appreciate it could help me with XXXX. 
previous complaint number XXXX XXXX XXXX
Product: Debt collection

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. i XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the XXXX U.S C41, et esq I have the tracking # for all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute request to Equifax in writing on XX/XX/2020. It has been well over 30 days since I requested that the derogatory information that they are publishing and still no response. I pointed out several inaccuracies and requested that the information be deleted from my profile.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

2016 MidLand Agency for XXXX XXXX, is claiming I owe but I paid them in full
Product: Debt collection

There are two debt collections on my credit report that are incorrect. The company XXXX XXXX, apparently, is attempting to collect a debt owed by me to XXXX. When I first saw this on my credit report I called XXXX and asked them if I had opened an account with them, they told me that I had not. I live in XXXX and was in the US for medical treatment by the VA and needed a phone to be in contact for medical appointments and opened an account with XXXX. I filed a complaint with XXXX XXXX stating that I had no knowledge of the debt to XXXX. The complaint was evaluated and stated that I did owe XXXX, as noted on the attached screenshots of my credit report. The last reported use of my account with XXXX is XX/XX/2018 and XX/XX/2018. As stated previously I live in XXXX and no longer need to purchase minutes from XXXX and, therefore, I do not understand why XXXX XXXX is reporting that I did use my account with XXXX or for whatever reason, they are using to report that I do have a debt with XXXX. Thank You for your time in this matter, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was contacted by Williams & Fudge regarding a debt collection attempt. I immediately responded per their instruction to dispute the debt and requested copies of the original debt, a valid basis to collect the debt, information on the incurrence of this debt including prior attempts to collect it, and when it was determined to be delinquent. I also requested a copy of any charges whether interest or fees applied by the original creditor. I also requested verification they are authorized to collect debt in the two relevant states. 

The company has failed to respond to this request, and has continued to engage in telephone calls to me leaving voicemails and sometimes not. This includes a call on XX/XX/XXXX and today, XX/XX/XXXX. I called back immediately and after listening to music for 2 minutes, the call disconnected. I then called another number and the gentleman, XXXX that called me answered. I began to state that he was not acting in accordance with the FCRA at which point he hung up. I then XXXX  the company and called the main line. The woman said she knew who I was and I began to advise her of my response on XX/XX/XXXX and the fact it was not being honored. She started yelling over me " HELLOOOO '' " OH WE ARENT DOING THIS '' and hung up. I will admit I swore at the woman out of frustration as another person was refusing to listen to me state facts.