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

I have reached out to XXXX XXXX or XXXX XXXX, i am livid with the XXXX rep, who refuse to assist. Also lied about a supervisor being available to assist with my request. My name is XXXX XXXX and the have it on my report as XXXX XXXX, i have never signed with any company going by XXXX XXXX. And all my years of having credit I have never encountered such errors as these people seem to have on my reports. I mean ALL 3 of them, XXXX, XXXX and TransUnion. I had to take off from work to get on the phone and just be disrespected when I am telling these people who I am and what my information is. They are refusing in most cases to assist. It's like they have been told not to help us. I am very upset and i want my report for all 3 bureaus to show correct. I have been denied credit, credit increases, and given higher interest rates for some of this XXXX XXXXXXXX that these agencies are reporting. I have never had to file a report of this manner to anyone, BUT with this rudeness and refusal to fix my information by phone when they have my ID and bill information on file, is beyond me and i am sick on talking to them to get my information correct. They have a XXXX payment report of late on my report and i have not been late, i paid my vehicle off early and was not late at ALL. I need these things to be corrected and updated on my report. I called XXXX and they said they don't have the information of me being late and they did not report it. My only name is XXXX XXXX and my only address is XXXX XXXXXXXX XXXX XXXX  GA XXXX no other statements or addresses should be showing on my report. The late notice from XXXX should be removed immediately from my report. I was told a long time ago that they would correct this. Thank you for assisting me and if you need any more information, please reach out to me.
Product: Credit reporting or other personal consumer reports

I contacted all three credit reporting agencies regarding items that werent mine on my credit report. I let them know that these particular items were due to identity theft. Each of the agencies gave me the same conclusion, in order to get rid of items on my report I needed to first begin a dispute and wait the allotted time as well as fill out an Identity theft report with the FTC. I did all of theses things supplied a copy of the report and the further told me I still had to wait for their investigational findings. After the results of their investigation came back there was still no change. Due to the present case that the CFPB just won in federal court concerning the lack of investigation on the part of both Equifax and XXXX I believe the same negligence or lack of investigation was repeated in my case. I gave all the required information proving what I said to be true along with CFPB complaints as well as my official reports from the FTC. I would just like for these items to be removed.
Product: Credit reporting or other personal consumer reports

I have disputed multiple inaccuracies on my consumer report which have not been verified by said company, no proof has been shown. I have written many disputes without the agency giving me my right to have the process in which the company verified the debt. 
I have recently received a copy of my consumer report, and I noticed some late payments and false/unverified accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in clear violation of the law Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Unless you can show proof with my signature with written instructions of this, I am demanding these late payments be removed. 

I have no signed contract with XXXX loan services. Unless a signed agreement/contract between me and XXXX can be furnished, I demand the account be removed.

Furthermore, the FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - except as provided in paragraph ( XXXX ), the term consumer report does not include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Again, delete the late payments associated with the accounts above that your agency is reporting illegal information on my behalf. 

Reminder, are in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Revolving account opened on XX/XX/XXXX and a balance of {$15000.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Open account opened on XX/XX/XXXX and a balance of {$1000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Revolving account opened on XX/XX/XXXX and a balance of {$2300.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX BANK on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

Several unauthorized hard inquiries have appeared on my credit report, which I did not authorize or initiate. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have disputed these hard inquiries multiple times with the credit bureaus, yet they remain on my report. I have not applied for credit with these institutions, nor did I give permission for these inquiries to be placed on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), hard inquiries are only allowed with the consumers express consent, and these inquiries were made without my authorization. Additionally, the credit bureaus failure to remove these inquiries despite my previous disputes is a violation of my rights under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

These unauthorized inquiries have negatively impacted my credit score and may cause potential denials of credit, further harming my financial standing. I am requesting that these inquiries be removed immediately and that the parties responsible for these unauthorized actions be identified.
Product: Checking or savings account

My account at BMO Alto was frozen on XXXX XX/XX/year> for alleged fraud. I recently transferred money between my account at BMO Alto and another account that I own at XXXX XXXX XXXX XXXX. My account at XXXX XXXX XXXX XXXX is the account that I originally funded my BMO account with and has already been verified by BMO Alto. BMO Alto demanded that I provide them with financial statements from my account at XXXX XXXX XXXX XXXX along with a photo of my ID to prove this account belongs to me and verify funding. I currently can not access either of my accounts at BMO. These XXXX accounts add up to over {$150000.00}. BMO Alto is withholding my money from me and attempting to force me to provide personal documents from other financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX/XXXX/2020, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched on how to remove the fraudulent items in my report and found that I need tovisit XXXX XXXX XXXX or https : //www.ftc.gov to file a report and Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed onan id theft report. Please find the ATTACHED documents to assist in blocking of theerroneous information which is being posted to my report. Here is the list of items that donot belong to me or were opened without my permission. XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX NY XXXX, XXXX NY XXXX XXXX NY XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than 4 business daysafter the date of receipt.
Product: Checking or savings account

I was scammed {$2500.00} from a breeder. This was a deposit and the XXXX XXXX before delivery and was never delivered. This was a scam and they did not back me on it.
Product: Credit reporting or other personal consumer reports

I want this removed from my account I have no ideal of these loans under my name I never had a car from this company, im getting calls and letters for a car I never seen before
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent the US Bankruptcy Court house a letter. I received a response letter from them saying they do not report to the credit reporting agencies. So how in the he'll did the credit bureaus verify this Bankruptcy as 100 %. They never did a fair investigation according to 15 USC 1681. And 15 USC 1681 section 603 ( E ) States the term Investigative XXXX  Consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The credit reporting agencies violated my given rights under 15 USC 1681. According to 15 USC 1681 section 602 States that I have the right to privacy. Also, according to 15 USC 1681 section 604a section 2 it stares a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 1681 S2A1 a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person know or has reasonable cause to believe that the information is accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I processed a transfer through WorldRemit to a family member, XXXX XXXX XXXX XXXX, in XXXX. The transfer was placed in suspense since the receiving bank, XXXX, required a specific setting ( XXXX XXXX ) to be set on the account. Shortly after I received an email notification from Worldremit that all the recipient details had been changed including the name, phone number, and bank account and that the transfer was paid. I immediately called Worldremit to report fraud since I did not make any call to change the recipient details. I was initially told I would hear back from a representative between 24 to 48 hours ; 4 days later and I still had not heard back from anyone. I attempted to call many times and each time I was told that the fraud department did not take calls. Finally on XX/XX/XXXX I received an email stating that Worldremit acknowledged that fraud had occurred but that my bank would need to issue a refund. I called my bank and was informed that this was not true and that it was 100 % the responsibility of Worldremit to issue the refund for the fraud that occurred on their platform. I responded to Worldremit with this information on the same day and asked that Worldremit issue the refund and provide details on how the fraud occurred. I have not heard back from Worldremit since this date. The details of the fraud that occurred are as follows : Transaction # XXXX, transferred to XXXX XXXX XXXX XXXX with bank XXXX account number XXXX in the amount of {$2500.00}. 
The fraudulent account had these details : recipient ( fraud ) : XXXX XXXX XXXX XXXX. Mobile contact XXXX : XXXX. Bank name : XXXX. Account XXXX : XXXX. Type : Savings and I would hear back from a representative between 24 to 48 hours. It has now been 16 days and I have not been called or given any. I have called on multiple occasions and each time I am advised that the fraud department can not be contacted directly. This is an urgent matter considering {$2500.00} were stolen in this fraud. I am requesting that WorldRemit take immediate action to investigate this fraud and reimburse my bank account for the total amount. WorldRemit is fully accountable for this fraud since it was through their platform that the criminal was able to redirect the transaction. WorldRemit did not have the sufficient security protocols in place to prevent the fraud and it is highly probable this was an internal fraud. Here are the details of the transaction :
Product: Debt collection

I have received a debt notice from XXXX under reference number XXXX. I have tried to make this payment, but can not create an account under XXXX. It tells me I have no prior documents with them and therefore I am not a patient. Therefore I can not pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants, Inc. ( DCI ) has again reported an account that they promised they would delete from my credit report ( see attached letter ). 

Please reference complaint # XXXX. 


On XX/XX/2017, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/2017 I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's  response to my initial complaint ( # XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Reporting To The Credit Bureaus To Whom It May Concern : I received a copy of my credit report about the bankruptcy below.

{ account_number } I was told from all 3 credit reporting agencies that you all report Bankruptcy to the 3 credit reporting agencies Experian.XXXX, and XXXX. If so that is a private matter Especially if you didn't report it. Any account thats reporting on a consumer credit report must list the agency who is furnishing the account and list your name as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true please. As I know that forgery of your name onto my credit report if you didnt report it directly as the furnisher. 
Thank you for your time and help in this matter. 

Sincerely, _____________________________________ XXXX XXXX
Product: Debt collection

Just found out that XXXX XXXX XXXX XXXX XXXX filed a small claims suit against me. I do not or have never had an account with them. There is nothing on my credit report from them. This is clearly a fraudulent account.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year> I was made aware someone used my information to try and open accounts. I also was made aware other accounts were open and sent to collection. Original account holders are XXXX XXXX XXXXXXXX XXXX XXXX, other account is XXXX. XXXX XXXX is another account that was done fraudulently.
Product: Credit card or prepaid card

I have a charge dated XX/XX/19 from XXXX XXXX for {$33.00}, my most recent statement ending XX/XX/19 did not have the $ XXXX monthly dining credit from this eligible merchant, I have also waited 4 weeks for this credit to post as outlined on the terms page. Attempted to utilize live chat on XX/XX/19, which was useless and of no help. Further, attempted to call the customer service number on back of card on the evening of XX/XX/19 and spoke to XXXX, explained the situation and after being placed on hold, was told that it must have been a " system issue '' and that she would issue the {$10.00} credit. Two days later this was never done and is not showing up on the account.
Product: Credit reporting or other personal consumer reports

I leased a Kia with Kia Motor Finance in 2017, the car was returned at the kia dealer XXXX years later and XXXX paid off the balance. They original said that there was a balance for wear and tear. They never sent me a final bill of the wear and tear in spite of my requests. This was all during the pandemic, I reached out to them many times and no answer. Now they are saying that it was an early lease termination which is also incorrect. I recently leased another Kia and it is finance through them and I had no problem getting approved. I have disputed this with the 3 bureaus and they are refusing to remove this negative rating which is affecting my credit and it is unfair and unethical of Kia. I have finance XXXX new cars after this and I have had no problem. I need you to please help me resolve this issue and have them correct their error
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on fair credit reporting act 609, I am requesting Experian to provide original signed documents to validate my XXXX XXXX  account which is fraudulent account.
Product: Debt collection

On XX/XX/2020, Capital One, notified XXXX XXXX, that it again hired Debt Collector, XXXX, XXXX, and XXXX, to make allegations Mr. XXXX defaulted on a credit card for a second time. On XX/XX/2020, XXXX XXXX, faxed a debt validation notice to XXXX, XXXX, and XXXX, to provide verification of the debt within a 30 period without contact under the Fair Credit Act. On XX/XX/2020, Capital One, contacted Mr. XXXX, via automated E-MAIL, during the 30 day validation period, in violation.
Product: Mortgage

I normally pay my mortgage at the end of the month, because that is the way my pay comes in. I have been XXXX for about 7 months and recently gone back to work. I attempted to make a payment on XXXX/XXXX/XXXX but the automated system would not allow, which forced me to call the office the following day. 
I found myself on hard time during the course of my XXXX which cause me to be 1 month behind. 
I called Carrington Mortgage on XXXX XXXX to make one full month 's payment and to schedule a second payment on XXXX/XXXX/XXXX. 
The representative said they could not accepted this payment and could only accept 2 months ' payment. 
I explained my financial situation, but to no avail. I told the representative that I would mail the one-month payment in, he told me he would not advise because it is not certain the payment would hit my account. 
On XXXX/XXXX/XXXX I receive a note rubber band to my gate downstairs at street level, " Please call your Mortgage Lender '' anyone walking by this note is visible to. HOW EMBARASSING! this is an invasion of my privacy. Carrington mortgage has my phone number in fact they ask each time a call is placed. 
Carrington Mortgage had been a fair Company to deal with until now. I am in awe and very disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed XXXX XXXX XXXX. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should be out of business they lie and do things wrong. You give them information they ask for. They pretend to never receive documents so they can keep fraudulent accounts open. They dont follow up with rules and regulations. There are 5 inquiries. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

While I was in prison somebody stole my money network IRS stimulus debit card issued by XXXX and spent over {$1300.00} on it in XX/XX/2022 without my knowledge. I disputed the charges and they denied my case even though I sent them proof twice that I was XXXX  during the time they still won't refund the money. I've spent several hours trying to call them waiting on hold for almost an hour sometimes. Every time I do get through to them they won't give me any information about my case. They already denied it once I had to appeal it and it's been several months. I appealed it back in XXXX.