23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2020 Im having trouble linking and adding funds on my virtual accounts through XXXX  XXXX   XXXX. After putting my login info i would get a message saying that you bank has made changes to prevent you from linking your account. Ive called my bank and all they told me was to try to link it manually and its doest working.
Product: Credit reporting or other personal consumer reports

Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

PLEASE REMOVE ALL CLOSED ACCOUNTS LISTED BELOW. 

CLOSED ACCOUNTS : XXXX XXXX, XXXX XXXX Services, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Multiple Hard Inquiries were made without my consent or incorrect dates and followed credit bureau instructions to reach the lenders but they havent been able to help.
Product: Debt collection

I have tried to reach out to Innovative Recovery since XXXX. I have mailed documents to settle the account in collections and they have all been returned to me marked vacant address ( see tracking info provided ). I have reached out to them by phone several times and have not received any response. I have disputed this account in collections with all three bureaus and it has been removed successfully from two of them. I have not been able to get it removed from XXXX   and I have not been able to reach Innovative Recovery so Im at a standstill and need this off of my credit. XXXX suggested that I file a complaint against the collection agency since they are not cooperating with me whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 Bum. 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 XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Violation of My Consumer Rights Under 15 USC 1681 Dear [ Recipient 's Name ], I am writing to formally raise a complaint regarding the violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). The following accounts on my Experian credit report have breached these rights : 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  DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/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 Upon reviewing my Experian credit report on XX/XX/2024, I identified several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported ( 15 USC 1681e ( b ) ).

Additionally, as outlined in 15 USC 1681i ( a ) ( 5 ), the FCRA mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Promptly delete or modify the item of information as appropriate based on the results of the reinvestigation.

Promptly notify the furnisher of the information that the information has been modified or deleted.

Furthermore, 15 USC 1681s-2 prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Given the discrepancies noted in my credit report and the obligations outlined by the FCRA, I request the following actions : A reinvestigation of the inaccurate or incomplete information listed in the aforementioned accounts.

Prompt deletion or correction of any verified inaccuracies or incomplete data.

Notification to all furnishers of the modified or deleted information, as required by law.

Please acknowledge receipt of this complaint and inform me of the actions that will be taken to address these issues within the timeframe prescribed by the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been constantly displaying someone else ssn number on my credit report. I have requested several times for these items to be removed. I have also provided them with my ssn and  XXXX  form for the  SSN admi nistration. This previous report that I received from a dispute listed the full ssn that belongs to other people on my credit report. This is t he 2nd time  they have sent me someone elses full ssn. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. Please not this information was sent to a Supervisor in  their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this bac k to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstbank-sest market closed my acct. over a deposit error I made by accidentally using the wrong check book. They say I owe them XXXX} but I only owe them XXXX}. I would like this off of my chex systems report, after I pay them the XXXX
Product: Checking or savings account

To whom it may concern, On XX/XX/2021, I reported a few ACH transactions on my Chase checking account number XXXX as unauthroized. Please see attached, the fraud claim form that I was asked to fill, and send back, which was received by the bank on XX/XX/2021. The transactions were done by XXXX, which I have NEVER had an account with, or have done business with. 

On XX/XX/2021, after I filed my claim, I was then connected to another agent from the fraud department. He restricted my checking account, so that fraudulent activity could no longer continue. He informed me that the account has been blocked, it will be closed down, and I would need to go to a Chase branch with 2 pieces of ID to open a new account. 

I have not yet had the chance to go to a branch in person, and open a new account, due to a busy schedule, and traveling. However, as of today, XX/XX/2021, I noticed my checking account ending in XXXX has been completely closed down, and I can no longer view it online. I have contacted the Chase claims department multiple times over the past few days, and all I have been told is that my claim is pending approval by the back-office for the temporary credits to be posted onto the account. 

It is important to note that prior to the unauthorized activities that took place on my checking account, the available balance was {$86000.00}. 

Since I can no longer view any of the activities occurring on my checking account ending in XXXX online, I am very concerned about my money, where it is going, and how I can regain access to the funds that have been stolen from me I, hereby, request Chase bank to issue credit ASAP for the unauthorized ACH transactions that have taken place on my account, and since the account is closed, and I, no longer, have access to it, send me a check, for the entire balance of my account, prior to all these fraudulent ACH transfers taking place, to my mailing address on file : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX. 

Please make sure that I receive this check via expedited mail with a tracking number, and signature delivery, so that it does not get lost in the mail. Please provide me immediate access to my funds. 

Thank you for your time and consideration. 

-XXXX XXXX XXXX Account # XXXX Debit Card # XXXX
Product: Mortgage

Submitted 2020 real taxes ( school ) to the mortgage company ( Loancare , LLC ) in XXXX of 2020 to be paid out of escrow account ( fully funded ). 

Received notice from my city school district in XXXX 2020, stating the taxes had not been paid and missed the discount period had they been paid by XXXX ( now {$100.00} more ). I first contacted Loancare , LLC in XXXX after receiving this notice. If the taxes were not paid by XXXX/XXXX/20, I would receive a 10 % penalty on the amount ( now {$500.00} more ). 

I have called Loancare , LLC every week since then to try to get these taxes paid, again out of the escrow account that is full funded. It is now XX/XX/XXXX20 and I still can not get these paid out my account and the city has indicated they will submit this matter to collections if not received by the end of the year. 

Every time I call Loancare , LLC, I am put on hold or passed around to " supervisors '' who tell me someone will call me back. I can only assume they are stealing the interest being earned on my escrow account and have no reason to pay my bills in accordance with the time required. I have called probably close to 20 times to get this matter addressed, each time with it being escalated without any resolution. 

My mortgage is current and I have provided all documentation required to resolve this issue, but they continue to hold my escrow account hostage.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit file. These entries were fraudulently added as a result of identity theft due to a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these items permanently removed from my credit report. 
Fraudulent Accounts 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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Over 7 years ago my car got XXXX, they sold it and I had a remaining balance to pay. Now after 7 years they come and start garnishing HALF of my checks. I called them and they wont lower the payments. I cant survive with them garnishing half my checks every week for a car they got back long time ago!!!
Product: Consumer Loan

I sent a cease and desist to all phone numbers in writing to Check N Go. It was received XXXX/XXXX/16. Today, I received XXXX calls to my work number ( but none to my cell ). I called and I was informed that the cease and desist went to their customer service but they were the collection dept ( still with check n go ) and they do n't have it. I informed them they are the same company so my cease and desist would apply to ever dept. She continued to try collection efforts and then stated she would transfer me to a supervisor. I could n't continue to hold and I terminated the call.
Product: Credit reporting or other personal consumer reports

The inquiry in question is not mine, and I am not affiliated with the listed creditor.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been reported on my credit file. I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$450.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$630.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$580.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$580.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$630.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$4600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$130.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1200.00} Fraudulent Inquiry to Be Blocked and Deleted : XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : Discover Bank, and here is my account number : XXXXXX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Checking or savings account

On and before XX/XX/2023, I was actively depositing and withdrawing money with my MoneyLion online bank account. Once I deposited large amounts of money to my checking account with MoneyLion ; as I was doing online gambling with XXXX ; thats where the problem started. I won several times and would deposit and withdrawal so that I could keep playing the night before and that day. The end result was me leaving {$7100.00} in the account. I then put in for a transfer of {$7000.00} to my XXXX XXXX account. The next morning, not only did the money never transfer but MoneyLion suspended my account, resulting in me not being able to log in. There was no instructions on what to do so I had to XXXX a customer service number. The customer service rep told me they were only able to see an account with my name and social security number that had no money in it. This account had a different email of mine that I didnt know I had. When I told them this is not the account I have been using and that I had lots of money in the account I was referring to having access back to ; they didnt know what I was talking about so I had to look up and provide them with the account I was referring to. Thats when they informed me that I had two separate accounts and the one I was actively using had a different social security number documented with them. I dont know how this happened and asked them to tell me what I need to do to in order to access the correct account with my money in it. They requested I provide several specific identification to verify who I am to an email they provided. I emailed this information and still this wasnt enough for them. They then wanted me to provide proof of my deposits. I sent the XXXX withdrawal screenshots proving the deposits to my checking account to them. They still wanted more proof from XXXX of the withdrawals from my winnings; saying it was insufficient and that they needed more detailed deposit information. I informed them that I would get my lawyer involved since all my efforts in submitting their requested information wasnt getting me anywhere. I had nothing else I could send them as proof of my identity and of my deposits to my account. I immediately received an email informing me that my account was now closed and whatever monies I had would be mailed to me. They wanted me to verify my address and I did that. I never received the check. They also still keep taking money out of my XXXX XXXX for a secured loan I signed up with them with their XXXX XXXX ; causing me insufficient fund fees from XXXX XXXX. Their customer service rep on the phone assured me I would receive my check with the correct amount of {$7100.00} within 5- 10 business days and they would cancel the secured loan and stop trying to take the money out of my credit union. I now have to get my lawyer to help me get my money back and get a new checking account with XXXX XXXX to stop the overdraft fees from MoneyLion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX ) Account # XXXX and ( XXXXXXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX and ( XXXXXXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.