23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On Monday, XX/XX/XXXX, I discovered that my XXXX old son was the victim of a click-through scam by NetSpend. More specifically, my minor son shared that he was watching sports car videos on XXXX when he was solicited by various pop ups to see " fast cars. '' Upon clicking the pop ups, he was asked for his personal information ( e.g., name and address ). My minor son shared that he did not enter his date of birth. And he does not know his social security number, so it begs the question how NetSpend was able to issue a PrePaid card in his name - especially as it is unlawful for credit to be opened for a minor. Following a call with NetSpend, it has closed the account. I intend to file a complaint with NetSpend corporate offices, as well as freeze my son 's credit. Additionally, I wanted to file a complaint with the CFBP about the improper activity relating to a minor. 

Should you have any follow-up questions or need additional information, please contact me by email at XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my Equifax credit report on XX/XX/year> and noticed there was an account in question that was being reported [ XXXX XXXX XXXX, XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Balance : {$1000.00} ]. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. 


I sent a letter to Equifax on XX/XX/year> asking them to make sure everything is complete and accurate and was told by an Equifax representative that they received my letter on XX/XX/year>. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX It's been over XXXX  days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They also violated these laws. 

And according to 15 USC 1681i 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 1681s-2 they are supposed to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have had a report of my information being put on the dark web. I froze my information on XXXX and XXXX but Trans union is telling me that they do not have any information on me with my SS # so I can not freeze any information there. I tried 3 different calls to the representatives but no one would help get this fixed. I also tried online at least 10 times and it says the system has issues and to try later. Its been well over a week and the web site still will not let me in. I know I HAD information on this site as I talked to my financial institution and the used Trans Union to check when I applied for a loan last year. If they were hacked maybe they should let people know and if they have lost peoples information that should also be told. We are told to protect our information and freeze that information when someone is breeched yet I can not because Trans Union has issues and will not resolve them. I hope this can be fixed before others run into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my TransUnion, XXXX and XXXX credit report, and i noticed these accounts that i have disputed came back as accuracy and verified. 
Under U.S.C 1681 section 602 A states i have the right to privacy.

Under U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collection may not communicate with a consumer in connection with the collection of any debt.

Under USC 1681 these agencies are all in violation to be reporting late payments on my credit report also.

So they all in violation reporting Late payments, charge offs, collections and two { XXXX  } bankruptcy.
Product: Credit reporting or other personal consumer reports

I recently seen a copy of my credit report and noticed I have fraudulent accounts opened, Please remove these accounts their hurting my chances on having good credit.
Product: Debt collection

So, I sent you guys a letter about XXXX weeks ago and still haven't heard anything back. You guys are reporting inaccurate information to my Credit report.
Product: Credit reporting or other personal consumer reports

I have sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information present on my credit report. In my correspondence, I meticulously detailed the accounts in question and highlighted the violations they were perpetrating against my consumer report. Despite allowing more than 30 days for their response, none of the credit bureaus have addressed my concerns or provided any resolution. Attached below are copies of all letters sent for your reference.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I am contacting you regarding complaint # XXXX. Experian was not able to provide proof or proper investigation for the account-XXXX XXXX XXXX XXXX XXXX It is well after the 30 day to provide said evidence, therefore the account is to be removed as it is now a violation of my FCRA rights. Deleted the account immediately for violating my FCRA rights. 

Account- XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I check XXXX credit report and noticed 2 fraudulent/unauthorized inquires one from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX I check Equifax credit report and noticed 28 fraudulent/unauthorized inquires from XXXX I didnt authorize none of the inquiries on my report I check XXXX credit report and noticed 5 fraudulent/unauthorized inquires one from XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

An account with discover was opened using my social years ago, I reported it to the credit card company, the credit bureaus, cfpb, and my state attorney general and it got removed. 

The only credit report it shows up on is experian. 

No other bureau has it on the report. 

It is now showing up BACK UP on my report and NEEDS TO BE REMOVED IMMEDIATELY. 

This account is fraud and experian is in violation YET AGAIN 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than XXXX business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

I AM CONTACTING MY STATE ATTORNEY GENERAL, CFPB and logging ALL POSSIBLE COMPLAINTS AGAINST XXXX XXXX AND EXPERIAN. 

REMOVE THE ACCOUNT TODAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I contacted XXXX XXXX XXXX XXXX to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX Mortgage department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.
Product: Credit card

XXXX XXXX XXXX  M & T credit card services acknowledges that there were funds pending for payments that had not been returned to our savings account in more than two months, but they have not applied our payment to the credit card account either. We are requesting M & T Bank to reactivate our account as our family depends on this account for XXXX XXXX  treatments. M & T also refused to give us the date when the card was closed. The M & T representative we spoke to today at XXXXXXXX XXXX stated that even though this is considered an emergency, they told us to contact a local branch, which in the past always referred us to the number on the back of the card. 
We are long-time ( over 30 years ) consumers of M & T, and in the last few years have acquired a secure card. We were informed in XX/XX/2024 that if we make a payment despite the immense fraud in our account, our credit card will remain in good standing. Our family relies on this card for accommodation and transportation for XXXX XXXX XXXX. This is our only credit card. We will very much appreciate your kindest help. 

XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

my name is XXXX XXXX XXXX XXXX, i'm buying a house and when they went to check my credit, they informed me that they would have a truck financing in my name at a financial institution called westlake financial service. I tried in every way to show that this was a fraud, but they did not remove it from my credit. 
I have my social security for just over 1 year, so it is impossible for me to have introduced it in the purchase. I never bought a truck, I never signed any contract, this debt is not mine.
Product: Debt collection

I received call from XXXX. They refused to identify themselves after XXXX seconds of me repeating to them " Whose Calling? '' At the beginning of the call, they did state that the call is recorded but refused to state who they were or who they were representing. 

This is against the FDCPA, as debt collectors are required to identify themselves when they attempt to collect a debt as well as note that any information you give them will be used to collect the debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of multiple personal credit cards account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a telephone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 the account was paid and agency stated the item would be updated and removed within 30 days from final payment. On all my reports the account is still there and showing an amount owed when this account has been paid and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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, credit repair services, or other personal consumer reports

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!
Product: Debt collection

I was called 3 times today I have been a called everyday repeated and a lady answered and threatened to track me down and make my life hard until I pay them. I dont feel safe Im worried and Im being harassed to the point where I feel major XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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: Debt collection

As of XX/XX/XXXX I receive a Call from National Credit system in behalf the past due balance for the XXXX at XXXX XXXX the representative use an aggressive demanding language in which I reacted defensively. 
National credit claims they have sent a notice to me with the apartment address in which I stated The XXXX  have my forwarding address and it was clearly written on the Move In Move out, We argue about this and I asked to speak with a supervisor leave a voicemail to them at National and no answer as of today from.

I did told representative about the deceptive action and in violation of FDCPA which she denied claiming even if I didn't receive my Validation notice I will still receive a call.

The representative was requesting money/pay plan on this debt that was in conversation within " validation period '' even when I repeatedly said above. 
I was call by the collection agency within the 30 days validation period without me receiving a Validation notice, I did request verification that XXXX have paid for the replacement of the carpet the amount said. 
I was at the move out inspection, my carpet was never steam after multiple request and at move out inspection the representative ripped off the carpet and said was to be replaced I signed the move out but pricing was written after at her office. 
I did provide vacate notice on time and also forwarding address on XXXX. 
I did attempt to set a payplan even when I knew it was unfair what I was getting charge and on fear I didn't want any negative remarks against my credit or cosigner Who never live at property. 
I told representative at national I was waiting for corporate for The XXXX call and still waiting. I not sure Why I don't have yet the information I request. 
My rent was always paid on time and even paid everything owe on the portal prior move out. 
The XXXX  wanted me to paid in full within 60days from move out regardless or face collections they said and provided me National info as collection agency and await to be contacted. 
XXXX came as said above and as of today No validation notice is being receive. 
I called today XXXX and spoke with Representative again, this time I called. 
I have all notification for mail that comes on my Mail and nothing is being receive from National.

I asked for the following information over the phone today from them. 
Date of placement from the XXXX  at National Credit : XX/XX/XXXX Date of 1st call from National Credit XX/XX/XXXX Representative claims placed on Dispute due to my disagreement, I requested a Validation notice since National Credit have Fowarding address on Move out form but didn't place accordingly As of Today validation notice not receive but they claimed was mail XX/XX/XXXX Again I have nothing Date of a 2nd call XX/XX/XXXX from myself to National Credit I was told account is on a temporary hold and what National Credit to the XXXX  is not being receive as of today.

I told representative at National Credit is being 30 days since placement date XXXX this debt is invalid they defaulted to send Validation Notice as required by Law and they are pursuing a debt without the Invoice to substantiate the charge.
Product: Student loan

Initially called on XX/XX/2022 to request a refund on eligible loan payments. The service lady mentioned all three payments and assured me the refund request for all three would be submitted and my original loan balance reinstated. 
On XX/XX/2022 I finally saw movement in my account but realized only one payment was removed and the balance for the payment of {$5500.00} was reinstated. It is now XX/XX/2022 and I have yet to see anymore payments being removed from my account. I called on XX/XX/2022 to see if there were any updates and the service lady could not see anything more than the refund being processed, she could not tell me whether or not all payment refunds were requested. I asked her to submit another request for the remaining two payments but I am unable to wait another XXXX weeks just to get the rest of my money back.
Product: Credit reporting or other personal consumer reports

These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Incorrect
Product: Credit card

There is an PNC Credit Card account listed on my credit reports that I did not open and I have no idea who opened this account. I have written the company and the ceo and they have dragged there feet in removing this account from my credit files.
Product: Mortgage

I am a XXXX veteran and for the past 5 years I have been getting phone calls from Discover, Discover Credit card, discover Credit, Discover personal loans, Discover Home loans. The names that they use go on and on. I have been hassled by them so may time it is hard to remember all of them. About 3 or 4 years ago I received a call from Discover Home Loans stating that they own my mortgage and I need to pay them with in 30 Days or they will foreclose on my home! I call my mortgage company and was told that it was just another scam by Discover to seal people homes and that they still own my mortgage! And a few times I would pay Discover Card on line {$100.00} they would try to get {$10000.00} from my bank! Computer error they claim!
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft. In have multiple bills and inquiries that arent mine and Ive had to file a police report. Bank account overdrafted, credit cards have been used multiple accounts opened in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting negative information on my report. 

XXXX XXXX charges to receive a loan that isnt actually received by the consumer up front. 

Because I never actually received the loan, XXXX  should in fact owe me money to complete the account. 

It should be a violation of FCRA for XXXX XXXX  to report derogatory information when product was never actually received.