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

On XX/XX/2023, I checked my credit report and noticed fraudulent inquiries reporting on my credit report. I have contacted XXXX and Transunion multiple times to get these inquiries removed and nothing was done. 

According to 15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Prepaid card

On XX/XX/2023 I received a Cash App money transfer for XXXX dollars from a family member. I never received the payment upon contacting Cash App customer support I was told by the support rep that it was to make up for a technical error that happened between XX/XX/2023 and XX/XX/2023 and it effected one or more of my transactions. 


And the balance reflected Cash apps recovery of the funds to complete payments to merchants. 
The alleged overpayment didnt show in my transaction history. 

On XX/XX/2023 this happened again and once again they claimed XXXX was paid and during their technical error and then reversed the payment again I have no record of this. They kept referring me to the transaction activity tab on their app. 
Once again I could find nothing proving this overpayment. 
XX/XX/2023 this happened again for XXXX They once again referred to this technical error and XXXX was overpaid I still couldnt find the transaction history. 
Again on XX/XX/2023 XXXX was taken and they said it was because of their bank error. 
I made a complaint with the FDIC who suggested I make a complaint here.

Im on a fixed income these transactions took money for bills and other necessities with no concrete explanation. 
They only cited a technical error which was their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, Bankruptcy # 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 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 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: Mortgage

the company has said, due to less amount of escrow they had to raise my house payment. this is very difficult for us because the previou company bought the loan as is and never went up on the payment. WHY BUY A LOAN AND U DO NOT KNOW WHAT IT IT COVERS. TO US IT SHOULD HAVE BEEN BOUGHT AS IS WITH NO INCREASE ON THE BORROWER. An increase on mortgage payment is not suppose to happen or should I say its the company fault for not looking at the details. I mean I do not buy anything if I do know what it have or do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a different account for Panhandle PANHANDLE PLAINS HAS REPORTED MY ACCOUNT TO XXXX   LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
Product: Debt collection

I have been trying to gain back full access to my name since 2017 information was leaked in a data breach and has been used by monsters ruining my credit and reputation I have to raise XXXX children as a single mother this has been a hassle and a huge inconvenience in my life being denied because strangers are misusing my information I work hard to upkeep I need this resolved immediately so I can buy a house and do my business properly without the fear of being attacked again an again please keep your personal information secure one wrong move can have you being a victim like myself to identity theft
Product: Debt collection

My phone has been off for about two months and it was turned on about two weeks ago. I started receiving calls from XXXX which i found to be asset recovery solutions. They constantly called my phone all day without leaving messages and at one point they called twice within one min. I did answer once and a man asked me to verify my social which i told him no. He said they had been sending letters which i have not received. I will be more than happy to speak to them when i receive some type of verification.
Product: Credit reporting or other personal consumer reports

I received notice that your bureau verified certain items on my credit report from the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines. 

Best Regards, XXXX XXXX Closure
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 



Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice to XXXX on XX/XX/year>. I then sent notices to the XXXX XXXX XXXX XXXX  on XX/XX/year>, and again on XX/XX/year>. Each notice was sent via XXXX XXXX XXXX and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

My XXXXXXXX XXXX XXXX XXXXXXXX XXXX Being the executor of her estate I contacted Net Spend. They gave me a list of the documents they need to resolve the matter and issue a refund. They gave me a reference # XXXX I submitted the documents. You have to wait 14 Days to contact them. First they said I needed to resend a copy of her photo I.D enlarged, then they said I have to send a copy of XXXX XXXX XXXX and her I.D to garnishments. When I called to see what was going on they said I would have to resubmit documents to garnishments. Because they were not received. It has been since Approximately XX/XX/2021 since I started this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to find other ways to fulfill her final wishes. They have done nothing but make this money impossible to get.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX ,
Product: Credit reporting or other personal consumer reports

I WAS RECENTLY NOTIFIED THAT MY INFORMATION WAS INVOLVED IN A DATA BREACH AND SOMEONE TRIED TO OPEN A BANK ACCOUNT IN MY NAME. I PULLED MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE, AND I DIDN'T TRY TO OPEN ACCOUNTS WITH ANY OF THESE COMPANIES. PLEASE REMOVE THE FOLLOWING INQUIRES AS THEY WERE NOT AUTHORIZED BY ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and they have been multiple accounts and contracts open under my personal information that I did not authorize and had no knowledge of founders {$97.00} XX/XX/XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  {$44000.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX {$130.00} XX/XX/XXXXXXXX XXXX XXXXr {$720.00} and {$650.00} XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I try to apply car loan with XXXX the creditor inform me that I have a security freeze/ mismatch information on my credit report I never place a security freeze on my credit report on XX/XX/XXXX I checked my own credit report I foundout that experian change my name on my file without my knowledge at point I drafted a dispute letter notorized it send along with my drivers license social security card and us passport card as proof of identity as of today experian did respond to my disputed lock me out of credit report all without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NUMBER : XXXX I submitted a dispute to XXXX regarding OneMain Financial. The account is reporting Paid but also shows a charge off amount. OneMain sued me in court and received a judgment for the amount in XX/XX/XXXX for {$4300.00} plus other fees. They won that judgment and my income was garnished until the entire balance of XXXX, XXXX plus court costs. After all monies were pain, in XX/XX/XXXX OneMain sent me a letter stating that my account had been paid in full and stamped each individual page as paid on the contract. 
They never listed any other amounts owed. 
But, they are reporting to XXXX that my account is paid, but {$4300.00} was charged amount. This is the amount that was garnished. I have contacted OneMain and XXXX and asked them to correct their error but, as you can see by one of the attachment, XXXX is stating that they have contacted OneMain and the information listed on my credit report is correct. IT IS NOT CORRECT!!!! 
I take offense to the fact that these credit reporting agencies are not investigating the information that they are listing on credit reports without investigation. They are blindly taking the words of these companies. 

I WANT THIS CORRECTED IMMEDIATELY!!!!
Product: Mortgage

During XXXX when XXXX you sent inquiries to credit bureaus send me copies of what you requested, what the inquiries were, and what the credit agencies sent you as a response
Product: Credit card or prepaid card

On XX/XX/2018 I ordered XXXX XXXX and XXXX XXXX XXXX. I did not see the fine print which stated that they would bill be every month for {$89.00} and {$90.00}. When I noticed this, I called and cancelled the orders. The company cancelled my orders and never sent any products. 

I spoke with Citi Cards and disputed the billing. They said I needed to prove I cancelled the orders so I called the vendor and was given a cancellation reference numbers that I provided to Citi Cards on XX/XX/2018. On XX/XX/XXXX, I received a letter from Citi Cards stating I had no proof of cancellation so the issue was resolved and I had to pay. I called them and referred to the cancelation references. They said they would bring it the billing departments attention.

I received the next bill from Citi Cards and again, I was billed for these products I did not receive. I called Citi Cards again and was re-assured it would get handled. I then received another letter stating the issue resolved and I had to pay the money. I again called and was told they would look into it and let the investigator know of the cancellations.

Please help. I suspect Citi Cards cant get the vendor to return their money so they are looking for me to reimburse them. I received no product and the vendor has cancelled my account. But Citi Cards keep insisting I owe them money. To add insult to injury they are now charging me interest for non payment despite their assurance they wouldnt. 

Any help you can give me would very much appreciated as it appears my talking to them falls upon deaf ears.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns remain unresolved. Once again, I am disputing the fraudulent information damaging my credit file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Additionally, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. I am curious about the verification method your bureau employed to continue reporting these fraudulent accounts. 

These are the fraudulent accounts on my report : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I purchased a used vehicle through Carvana within a day the car 's engine light came on. I choose another vehicle BUT though the 2nd car was comparable in make, model and price Caravan wanted times more the down payment I had already paid. Ultimately, days passed and the 2nd car deal fell through. When I went to have the vehicle repaired I was informed I was in a " rebuild process '' that could take 0 days to " rebuild '' the original contracts. 

However, on XX/XX/XXXX my granddaughter and I were caught in a flashflood that totaled the vehicle. My car insurance quickly completed their process and paid the car off. However, Carvana and its affiliated finance company DID NOT. I have had to file several complaints with the XXXX  to get Caravan to complete the " rebuild " process. Likewise, I had to file a XXXX  compliant to get XXXX to apply the checks to my account which they applied XXXX BUT removed XXXX XXXX, for reasons unknown to me. AND, today, XXXX added a negative rating on my credit report for the full amount of the loan to a vehicle that has been paid off. Additionally, my GAP insurance company is waiting for Caravan and XXXX to supply them with documentation to complete their process. 

These people have made a horror situation worst by lack of transparency and competency and I believe they are predatory lenders harassing me for a vehicle that they know was deemed a total loss from a natural occurrence. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my XXXX  account today to obtain a copy of my 3 bureau credit report. I saw a lot of information on there that does not belong to me. Information I have no knowledge from where it came from. I don't know any of these companies and i have never received any form of goods or services from them. My personal information was used without my permission or knowledge. I am a victim of identity theft and I am taking steps to protect my identity and prevent this from happening again by filing this police report. This is the fraudulent information listen in my credit report ; It ranges from Fraudulent Closed Accounts to Fraudulent Collection Account, Fraudulent Inquiries and Fraudulent Addresses : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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/block any items 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 XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$460.00}
Product: Mortgage

My mortgage was just sold to Fifth-Third Bank last month. They have been the worst mortgage servicer I have ever dealt with. They have no real way to access your loan information online. I called them so I can get access to an online portal and they wanted me to create a " false '' credit card in order to set up a mortgage account. They were unable to create the " false '' credit card number and told me to call back in a few days. If this was not a major bank I would assume this was a scam with someone trying to create a credit card in my name. Honestly, I am unsure how safe it is for the bank representatives to just give out " false '' credit cards to everyone. 

A XXXX XXXX to Fifth-Third Bank. 

It's great that you want to buy mortgages! But, if you want to be in that line of business you probably should have an infrastructure that does not make you look like a scammer trying to create credit cards in other people 's names.