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

XX/XX/2021 XXXX Birthday XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  & Trans Union I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : None of my account are in BK. This is my final request to remove this unknown two BK XXXX and XXXX Chapter XXXX XXXX Chapter XXXX XXXX The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from XXXX  & Trans Union lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 




XXXX XXXX XXXX
Product: Debt collection

I was garnished on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a 100 % XXXX XXXX. Federal Law ( FDIC XXXX XXXX ) states : The Department of the Treasury ( Fiscal Services ) the Social Security XXXX, the XXXX  XXXX XXXX XXXX, the XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX have jointly issued a rule ( 76FR at 9939 ) ( interagency regulations or regulation ) that a financial institution must follow when it receives a garnishment order against an account holder who receives certain benefit payments by direct deposit. The types of Federal benefit payments covered by interagency regulations are : Social Security benefits, Veterans benefits and financial assistance from the XXXX XXXX XXXX XXXX ( XXXX ) 1. As long as funds are direct deposit they are protected.

2. Veterans benefits are protected 3. Financial assistance from Federal Emergency Agency ( FEMA ) is protected 4. On a separate note, I never received a notice from XXXXXXXX XXXX XXXXXXXX until XX/XX/XXXX XXXX. I do not reside at XXXX XXXX XXXX XXXX I moved in XXXX XXXX never gave me any notice of this order until the bank sent it to me. 
7.I do not believe this is my debt As Lawyers you should know that I am exempt from garnisment. I You have caused me great harm, The law clearly states that you can not garnish my funds. I tried to explain that to you at hearing but nobody would listen. I implore you to read the law from the Consumer Protection Bureau so that you can under stand the law. I found it 30 minutes after looking and I am not a lawyer.
Product: Debt collection

I was charged a debt of a little over {$5000.00} back in XX/XX/2015 by IQ Data International. The other party responsible on this debt paid the debt in full. They say they have no record of the payment.
Product: Credit card or prepaid card

The reported collection account is incomplete. There are a lot of missing information to tie the account on me. Missing Monthly Payment, No. of Months or Terms, High Credit, Credit Limit, Past Due and date of last payment. The payment remarks are missing too.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XXXX 2024, I filed a dispute with XXXX XXXX inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 
Experian Response : Experian used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, XXXX stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... XXXX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and XXXX provided a generic response about their standard procedures rather than directly answering the questions I posed.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2024 to Equifax about inaccuracies and nonpublic information. I didn't receive any notice back from the company about my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  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   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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint to the CFPB to request, per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, TransUnion, block information from my credit report related to identity theft and fraud within four business days of receiving this notice. The inaccurate and fraudulent information includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in multiple hard inquiries and fraudulent collections on my FICO credit report. I do not recognize any of these accounts, collections, or hard inquiries, as they were not opened, created, or authorized by me and are a direct consequence of identity theft and fraud. This situation violates consumer protection laws, including the Fair Credit Reporting Act ( FCRA ).

As required by FCRA Section 605B, you must block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX, confirming that these accounts, collections, and inquiries are directly related to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Mortgage

LoanCare took a double payment for my mortgage back in XX/XX/XXXX. They then lost the payment and reported me late in XX/XX/XXXX. I opened an investigation and results were inconclusive and left me showing a late payment ever since. I have since resolved the matter on my own, to my own satisfaction, by applying for a modification to being the account current and make the payments more affordable. 

XXXX XXXX, the person handling the matter through loancare agreed to remove all delinquent payments from my credit report. Most were removed, but not all.
Product: Debt collection

This was a sprint phone bill it keeps on going from one Collection agency to another this bill is over 7 years old and and just hit my credit report as being 30 days late and they never sent me any notice at all its just unfair to hit my credit score and lower it
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX Accounts # XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX. 
Account number XXXXXXXXXXXXXXXXXXXXXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account number XXXX All these accounts Has violates 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 consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the Following of information any other adverse item of information, other then records of conviction of crimes which antedates the report by more then 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 a reasonable cause to believe the information is inaccurate
Product: Payday loan, title loan, or personal loan

I've been charged for cash advances, when i was given this line of credit the stated they don't give cash advances, the purchases im being charged cash advance for are a private party purchase on line.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report an account named XXXX XXXX on my credit report even with proof that it is a result of identity theft. The company is located in the state of Georgia and I am located in the state of Michigan. During my investigation of this account it was determined the dates that this company alleges this account was opened I am seen on toll booth cameras in the state of Michigan. I have previously disputed this account and provided proof it should not be included in my file but the credit bureaus keep saying the account is verified as accurate. This is my final attempt to get this account removed. I have sued XXXX XXXX, XXXX, and the company in question. Since there is pending litigation this account should not be reported, I will give each credit bureau 7 days to turn over whatever proof that may have to verify this account is lawfully mine. If no such evidence is received I will pursue legal action and use each dispute I have filed over this last year to prove I have asked each credit bureau to comply with the law. If I am forced to file a lawsuit I will add in legal expenses. You are data furnishers that receive information second hand but you will be the one held liable.
Product: Debt collection

On The XXXX day of XX/XX/XXXX, Absolute Credit LLC sent out a " debt verification '' letter as I previously asked them to do. However, they sent back four sheets from a doctor 's office that included medical procedures and people 's personal information that did not belong to me. The social security number provided does not belong to me and has never been associated with me there are also no signatures on the paperwork leading me to believe this is fictitious and the dates do not coincide one day says XX/XX/XXXX, one says XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX.
Product: Bank account or service

I wired money on XXXX/XXXX/2015 from USAA account : XXXX XXXX XXXX {$5700.00}. to : XXXX XXXX XXXX, bank name : XXXX bank, bank address ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX acc # : XXXX. SWIFT code : XXXX. 
After two hours, I called to recall the wire transfer back. It was pending. I 'm still waiting for the recall. I know it 's my responsible to make sure the account information is correct. I feel that as a consumer that I should be able to recall the wire transfer as it is a error and scam. The receiving bank should be reply to USAA. All the bank should be there to help good customers not a scamer. The bank I wire the money to is in XXXX. 
The scam company is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, email : XXXXXXXXXXXX. 
add : XXXX XXXX XXXX, XXXX. XXXX. XXXX, XXXX ; XXXX. 
Banks should be able to recall the wire transfer for all the customers. Bank should be help the customers to get their money back as it 's is a recall. 
I also want to report XXXX Scams : XXXX XXXX {$8500.00} wired to XXXX from XXXX 's bank : Beneficiary : XXXX XXXX XXXX. 
Bank XXXX Bank XXXX XXXX XXXX. 
Bank address : XXXX XXXX, XXXX XXXX XXXX, XXXX bank XXXX # XXXX XXXX XXXX : XXXXPlease do published these XXXX scams ' company and name of these XXXX XXXX company:XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, fax:XXXX address : XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX. XXXX # XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX, fax:XXXX, address ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. 
Please do protect consumers and we should be able to recall all the wire transfer back to good customers at the same day or the next day.. 
Thank XXXX : XXXX : XXXXXXXXXXXX
Product: Debt collection

I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from XXXX XXXX. I have never entered an agreement with Portfolio Recovery and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between XXXX XXXX and portfolio giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay Portfolio. They can also include the contract with my wet signature showing an obligation to XXXX XXXX. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. XXXX XXXX allegedly charged this debt off and I have not received a 1099-C for their write off!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has not responded to my attempts to solve an error on my credit report for months. I have contacted the XXXX on XXXX and XXXX XXXX has not responded back. The XXXX  sent me a message on XXXX saying that they would send them another request for mediation. I have also contacted the office of Pennsylvania Attorney General consumer complaint on XXXX. XXXX federal has not responded to the Attorney Generals request for an investigation into my account and credit report. XXXX XXXX has stop replying to my e-messages on the XXXX XXXX portal. And they have refused to reply to my XXXX demand for arbitration. XXXX XXXX must engage with their customers and allow us a venue to solve our disputes.
Product: Mortgage

We 're in the process of buying a house in XXXX. We 've lived most of our lives in XXXX, but unfortunately had to make the decision to move because of health related situation. We started the application process on XXXX XXXX, we have submitted all of the official documents that were requested by the loan processor as well as the ones that were requested by the loan originator. Some of our documents are in XXXX, but the associate who was the originator of the loan assured us that that would n't be a problem because they do have XXXX speaking employees and that she used to work in XXXX XXXX for the bank were we had our bank account. By the beginning of the loan application we set XXXX XXXX as the closing date. The mortgage was being handled by an associate since the beginning of the application, and about a week an a half ago, it was changed without notice. This new associate, which was assigned to the loan process because he speaks XXXX, have made remarks like the loan process is taking longer because " there 's a language barrier '' to the transaction coordinator of the Realty company who 's representing us, when not only me but my wife as well speaks XXXX, he has questioned why we want to move to the United States, even though I 'm a XXXX citizen and a XXXX Veteran, and asking " why after XXXX years living in XXXX, XXXX you want to move to the United States '', in which from what I understand he should ask in a non specific way, and he has questioned even a transaction for {$9.00} for a purchase of Chinese food, just to make the process even more difficult to us. Documents are being submitted not only through Loan Mortgage application website, in which he 's in charge to verify and add notes when the customer uploads documents, or in case there 's a specific document needed, in which he has n't update any of the notes he wrote the first time he did, not really letting us know what is wrong with the documents we submitted, or is he want a different document instead, and through the mortgage originator. We have submitted our tax information, social security statements, my retirement pension information, my VA Certificate, and non of it has been enough. We already sent our stuff to XXXX through a moving company and shipped our car, and they told us we would not be able to close on the house today. We have the credit and the assets to cover the loan, and we have even chose and signed the terms and interests on the loan that we want, but we still waiting for them to finish the process. We might even loose the house we 've chose almost a month in a half ago. All of this has been more than tedious.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and personal info were in the XXXX XXXX XXXX and EQUIFAX XXXX breaches in XXXX and XXXX. 
I discovered many names, phones numbers, addresses and accounts that were clearly not mine on my credit report. 
Credit agencies have been reporting addresses connected to my name with fraudulent and erroneous accounts. 
I am disputing the addresses that clearly states it's a business as a residence and I lnever lived there. 
I have sent documents and Affidavits and been on phone disputing these errors for the last 2 months. 
Please delete these accounts. 
I have been dealing with this mess for a while now and request prompt look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. Also, the information you provided on this account is DELETED from other bureaus, why is it still here and not deleted? XXXX XXXX XXXX XXXX ( XXXX CITY OF XXXX ) XXXX Balance : {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Listed below are the items that are being reported on my credit report that needs to be removed Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXXXXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account does not have a name Account Number : XXXX XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX 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 instruction 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 inform
ation is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I entered a XXXX store to open an account. The rep at the store told me that they would run a soft inquiry of my credit report. Well they lied to me and ran a hard inquiry on my credit. I therefore called TransUnion and requested that they investigate and delete the hard inquiry. They subsequently told me to call XXXX and ask for a " letter of deletion, '' in which I did, only to have XXXX to tell me no, that they would not do it. I plead with them because their rep at the store lied to me and told me that it would be a soft hit, but they still would not send me out a letter of deletion, but instead told me to contact this website to assist myself with the problem. Inevitably, I need this inquiry taken off of my credit report because I was mislead unscrupulously that it would be a soft inquiry and not a hard and XXXX is unwilling to do anything about it.