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

I am writing to TRANSUNION to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that TRANSUNION being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employer : State Of XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!
Product: Checking or savings account

I previously opened a complaint against Capitol one. They have been holding over {$4500.00} for months. They said when all disputes are closed on my account they would close my account and release the money. I received notice that the final dispute has been closed and they havent made any effort or intention to move on to closing my account and giving my money back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active XXXX account that monitors my credit. I received a notification today, XX/XX/XXXX, that a debt in the amount of {$5800.00} is being attempted for collection from RECEIVABLES PERFORMANC on behalf of original creditor XXXX XXXX XXXX XXXX. I have NEVER received any financial services and/or goods from the XXXX XXXX XXXX XXXX XXXX 
It is reported as : Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department Status date : XX/XX/XXXX I do not know why I now have a debt for collections with this company. From doing a XXXX search, I have come to find that many people have filed a complaint against this company for the same reason.
Product: Debt collection

I have written numerous QWR 's requesting the account owners name and address including the name and phone number of a contact person.This account was put into " REO '' status XX/XX/XXXX. SPS continually responds to the request naming XXXX XXXX as the account owner but not including an address or contact information. In the latest response to my letters requesting validation of debt. The foreclosing attorney now says XXXX XXXX XXXX is the owner of the note but SPS continues to respond in writing stating XXXX XXXX 's ownership of the account. XXXX stated in their response to the QWR that I sent them, saying, this property had been foreclosed on in XXXX XXXX? When speaking with SPS over telephone. The various relationship managers say that XXXX is their client ( the servicer ) and that SPS is SubServicer, and that XXXX is the owner of the Note. But written correspondence SPS continually states that XXXX XXXX owns the account as trustee for the holders of XXXX XXXX XXXX Trust. SPS 's definition of an account owner includes owning the note. XXXX denies any affiliation with this note or account at this time. Currently there is a foreclosure sale scheduled for XXXX XXXX, XXXX. The preforeclosure letter dated XXXX XXXX, XXXX I received from the foreclosing attorney states ; SPS is their client and has directed the firm to commence with the sale for XXXX XXXX as owners of the mortgage and trustee for the holders of the XXXX XXXX XXXX Trust. SPS refuses to acknowledge the account being placed into " REO '' status maintaining ownership of the account by XXXX XXXX and refusing to provide me with the necessary contact information for the current note owner or owner of the account. There are several issues that need to be addressed : XXXX is the chronological timeline of correspondence and my attempt to get correct answers concerning the current owner of this Note. 1 ) The hiring of SPS as SubServicer XXXX XXXX 2 ) The foreclosure sale of XXXX XXXX, XXXX as stated by XXXX. 3 ) Foreclosure shows up in XXXX report XXXX XXXX XXXX XXXX The account is placed in " XXXX '' status XXXX XXXX. XXXX ) SPS refuses to address " XXXX '' XXXX XXXX to this day 6 ) Modification application submitted 7 ) Modification proposal received 8 ) Dispute of errors and omissions letter sent 9 ) SPS refuses to address " REO '' and account balance XXXX Foreclosure sale notice XXXX XXXX, XXXX 11 ) QWR to SPS and Debt Validation sent to attorney 12 ) Debt Validation response received 13 ) Foreclosure sale terminated XXXX XXXX, XXXX 14 ) QWR response 15 ) foreclosure sale notice XXXX XXXX, XXXX 16 ) QWR sent to SPS and Debt Validation sent to attorney 17 ) Foreclosure sale placed on hold XXXX XXXX, XXXX XXXX ) QWR response 19 ) Foreclosure sale notice XXXX XXXX, XXXX 20 ) QWR sent to SPS, XXXX and attorney XXXX XXXX, XXXX 21 ) QWR response from XXXX XXXX XXXX, XXXX 22 ) Foreclosure sale postponed XXXX XXXX, XXXX 23 ) QWR response from SPS XXXX XXXX, XXXX XXXX ) Complaint sent to CFPB
Product: Money transfer, virtual currency, or money service

Cash app is holding my money without cause on 4 transactions {$300.00}, {$98.00}, {$15.00}, {$15.00}. I have proof and letters from merchants showing the funds are being held by cash app without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX CA, XXXX
Product: Payday loan, title loan, or personal loan

When I originally applied for the loan at Republic Finance, in XXXX, GA, on the application it asked and I wrote, that I did not want to be contacted at my place of employment regarding the loan or any additional offers from that company. Despite my written notification I am constantly called at my place of employment regarding my loan. Sometimes on a daily basis and at least XXXX times a day. The repetitive calls from them obviously implies to my employer and coworkers that its regarding a debt. 

Ive always notified Republic Finance in XXXX, GA, that I would be paying late and Ive always notified the company of my estimated late payment date. In addition, when Ive paid my monthly payment late, Ive always paid the penalty late fee. But despite my efforts, the company has continued to call my job and harass me at work even when notified that I will be making a late payment and paying the late fee. 

I have notified them verbally ( over the phone ) on XXXX separate occasions not to contact me at work. The company ignores my notifications and continues to call my work number. Theyve used the excuse that the person contacting me at work is either a new employee or was not aware of my request to not be contacted at work.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I need this account off immediately. It is a hindrance to me from getting housing and from other credit opportunities. This account is inaccurate it needs to be verified for it to be placed on my consumer report. It has not been verified and your investigation has not solved my issue. I need this account to be deleted ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1986 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 or other personal consumer reports

I am disputing the completeness and accuracy of the XXXX XXXX XXXX account with the account number XXXX. I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe the Payment History, Balance Histories, and the Original balance is/are reporting inaccurately/incompletely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, Apt XXXX XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

Chase has reported one of my business credit cards to my personal credit report. My business accounts should not appear on my personal reports. In addition, this has negatively impacted my credit scores.
Product: Checking or savings account

My experience with Citibank has been awful. About two weeks after I opened a few accounts with them : Personal, Business, and a Joint checking with my husband. Every account was suddenly blocked. 

I spent my whole Saturday morning on the phone trying to figure out what happened and got nowhere. I ended up going to a branch Monday and after much research we found it was due to a check I deposited. My neighbor wrote my business a check for services and Citibank determined this to be a fraudulent check without even reaching out to my neighbor to confirm. My neighbor is also a Citibank customer. My neighbor went to the branch to confirm that it was him that wrote the check and it was in-fact valid. It tooks days to finally get access back to my funds and accounts restored. 

Between then and now I've had issues transferring money in where the transfers will not go through. 

But today, XX/XX/2021, I login to my Citi account and notice that my Savings account is showing " Blocked ''. I just opened this account recently. 

I then logged into my joint checking and noticed that this account shows " Blocked '' as well. 

I call up and I'm told that the account was blocked and I will be mailed a check with any funds that may be present within 90 days with no reason given whatsoever. They said the local branch will not help me either. NOT COOL! I just switched my direct deposit to the XXXX account and now I am not going to receive my holiday bonus and regular paycheck right before XXXX. 

I switched to Citi on the recommendation from a friend, since I switched from XXXX to Citi I have had so many issues and it's caused me stress on a daily basis.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a townhome community XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX and was denied for the following ; credit and eviction filing, judgement. XXXX XXXX, also stated that I was denied also for a bankruptcy from XXXX that was XXXX that same year, also the email that I received from the property is contradicting to what the tenant screening states from Resident Verify. I am not sure if Resident Verify and XXXX are the same company. The information was not made clear at the time of the applicaiton and I feel that information was provided illegally.I received a denial letter from their third party Resident Verify on XX/XX/XXXX I was denied based on the information provided by the third party screening. So much is contradicting XXXX balance is showing and It should be removed from that report. The company had no permission to obtain, my permission to house inaccurate information. My rights have been violated under these FCRA laws ; 15 USC 1681 section 602 15 USC 1681 section 604 15 USC 1681s-2 This information is negatively impacting shelter for myself and children and has been placed on my record fraudulently.
Product: Credit card

I received a credit card from Milestone MasterCard by XXXX XXXX XXXX. I never applied for this loan. They automatically charged me XXXX " annual fee ''. I never activated this card. I called them immediately. They said they would fix this issue and delete the account.. It's on my credit reports already... These companies shouldn't be able to do this
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

Went to go get a XXXX loan as I am a current XXXX XXXX in XXXX and I was denied due to adverse information on my credit report. Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by XXXX XXXX and XXXX XXXX. I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with XXXX XXXX & XXXX XXXX. Also I have contacted XXXX XXXX of the XXXX XXXX   to help me in the event that I need to file paperwork with the XXXX County Court.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 IDENTITY THEFT. 

Account Name : XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account 63 days ago and have still not heard anything back from TransUnion.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed unauthorized accounts and inquiries on my consumer report. REMOVE XXXX U.S.Code XXXX
Product: Credit reporting or other personal consumer reports

I am a survivor of debt bondage, a reprehensible form of XXXX XXXX  that coerced me into accumulating debts under duress. As a result, my credit report bears several derogatory marks. With the assistance of a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX  survivors, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ). This section mandates credit reporting agencies to promptly remove adverse information linked to trafficking upon filing an official claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the early quarter of XXXX, I had fell behind on some payments and XXXX  sent me a demand for payment. 

During the month of XX/XX/XXXX, I paid a total of {$7900.00} to take care of the outstanding balance and become current. 

A month later, on or about XX/XX/XXXX, XXXX wrongfully repossessed my car. This was an error because I was current and had been current for the entire month before. 

After demanding my vehicle back, XXXX returned my vehicle but had charged me for their mistake in repossessing my vehicle. On XX/XX/XXXX, they had charged me a {$850.00} fee for the return of the vehicle that they had mistakenly repossessed. 

Not only have they charged me for this mistake but they have also continued to report my car in repossession status even though I have the car even a year later and is still current on my payments. 

I have repeatedly called and sent e-mails to remedy this issue, however, they have failed to fix it on my credit report. I have not been able to purchase a home due to the repossession being on my credit report. Because of this, I have undergone a failed closing. Also, it has been substantially harder to rent because of this false reporting. 

To prove what I am saying, I have attached a copy of the false reporting that says " repossession '' status on my credit report. Also, I have attached a copy of the printout from XXXX where it clearly indicates that my next payment isn't due until XX/XX/XXXX.
Product: Debt collection

Recently I received a notice from   XXXX   XXXX   that a new item had appeared on my credit report. When I checked, it listed an account wi th United Consumers ( acc t. #  XXXX   ). I contacted United  Consumers and spoke to  XXXX   XXXX  who told me it was a charge of {$180.00} due to  XXXX   XXXX   XXXX . She said that it was for natural gas charges owed on a previous address. I told her that I had my gas with   XXXX   XXXX   XXXX  and that when I moved, all charges were paid and my deposit was returned because all charges were paid. She explained to me that  XXXX   XXXX   XXXX  provides natural gas to   XXXX   XXXX   XXXX , and that even though they were always charged on  one bill, upo n termination the bills were separated. I never received a bill from  XXXX   XXXX   XXXX , or I would have taken care of it at the time. I asked  XXXX   XXXX  why I had not been contacted and she said they had sent a letter to my old address and had " assumed '' that it had been forwarded. I told her that I was willing to pay, even though there was no proof offered that I owed the debt, as long as it could be pulled from my credit report. She said that they are not able to pull information from my credit report that  XXXX   XXXX   XXXX  are the only ones that can do that.   I then contacted  XXXX   XXXX   XXXX   XXXX   to discuss this ( original acct #  XXXX   ). I  spoke with  XXXX  and explained the whole situation. She seemed sympathetic but said that this would have to be handled by the " back office ''. I asked her if there was anyone I could talk to and she told me that I could only send my complaint to the back office via  XXXX  XXXX  XXXX . I sent them an email with my concerns and request on  XXXX / XXXX /  XXXX  . I have yet to be contacted by anyone regarding my request. I have since looked to find any office information where I can handle this in person, but  XXXX   XXXX   XXXX  has no public offices listed. It is very difficult to take care of an issue when the only possible way of dealing with it is to contact ( via faceless email ) some so-called back office.   I am not trying to get out of paying a legitimate debt, but I was not properly notified and given an opportunity to take action. I am willing to pay what I owe, but due to the circumstances believe that it should be pulled from my credit report.
Product: Credit card

I overpaid my balance twice before the statement closing date and was still charged fees and I interest.
Product: Debt collection

This letter is to notify whomever that I have been contesting charges levied by XXXX XXXX XXXX since XXXX of XXXX with multiple phone calls and written letters. I have called their billing office on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. I requested an itemized bill and a coding review both of which were never done. I have repeatedly asked for a supervisor and even sent letters in the mail which have never been answered. 
What I am disputing. The only bill I have ever seen charged me for a moderate ER visit for a laceration. I contest that my ER visit was minor, not moderate, and my daughter did not have a laceration, but an abrasion. She was seen by a medical physician for less than XXXX minutes and XXXX within XXXX minutes of being in a room. How anyone could consider this a moderate visit is beyond my comprehension as an emergency medical provider of 13 years. 

I spoke with the debt collection agency today and told them I was already disputing the charges with XXXX and would dispute them with the agency as well. I asked what documents they would need to dispute the claim and they would not advise. They would only state " you must provide documentation of why you don't think you owe the money '' no specifics were mentioned.