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

After receiving my consumer report from Transunion, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, Transunion is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Transunion willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Transunion is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Product: Mortgage

We purchased our Home in XX/XX/2020. Covid 19 has impacted our finances as myself lost my contract to merchandise XXXX XXXX accounts, and my wife had a reduction inhours with XXXXXXXX XXXX We fell behind on our mortgage payments during the first sale of the mortgage to XXXX XXXX XXXX  and servicer XXXX. The mortgage was then purchased by XXXX XXXX with PHH Mortgage Service as the servicer. 

We were told we were eligible for a loan modification and submitted our application and documents, despite being in communication with PHH on our struggles to comply with the program. in XXXX we were told we were denied the modification because of late submission of documents. Jump to the present and we had our monthly appointment with the PHH relationship manager. We were informed that we should not had applied to XXXX  XXXX if we sought the modification to the loan ( although it is recommended by XXXX you apply waiting on modification ). Then after his ill informed rant on the XXXX  program my wife told him that I had some questions. He informed my wife that under Texas Law he needed a written authorization to allow a third party to discuss the loan with me. That is an untrue statement as under Texas Law, as a community property state I am considered on of the borrowers because we equally own the home. The XXXX  could not tell us why our Loan Modification trial payment was {$200.00} than previously, when the original loan payment was {$1000.00}, and the first trial payment was only {$2.00} lower. PHH seems to be mishandling our Loan modification and refusing to work with us to get the modification approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX 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: Prepaid card

Purchased a {$100.00} giftcard on XX/XX/year>. Provided the company with requested information ( photo of gift card and proof of purchase ) I have since heard nothing no information is available. 
case # assigned is XXXX
Product: Credit reporting or other personal consumer reports

Today on XX/XX/year> Equifax was called by myself, to ask why I am not able to login to my online account, after going through many troubleshooting steps Equifax decided to tell me that I do not qualify for online account unless I send them a copy of my social security card, and my identification. During the troubleshooting steps I was sent a link to verify my identity. My identity was successfully identified. I had to upload my Identification, also take a selfie photo. The reason behind needing access to my online account is Equifax is allowing my information such as my social that was included in a data breach and fraudulent accounts to be added to my credit report. Under section 605 B Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

Also unlock my online account for me to access my online report through My Equifax.
Product: Credit reporting or other personal consumer reports

I've asked XXXX, Equifax and XXXX for the evidence that XXXX XXXX XXXX provided them to validate debt. A lease as they provided to CFPB is not a validation of debt. I provided all credit bureaus with an FTC Complaint as I believe the collection account is fraud seeing as I've had several issues with identity theft for the past year. I have several FTC complaints that have been investigated. The IRS has notified me that someone attempted to collect unemployment as well as file tax return with my social security number. The unemployment insurance agency in XXXX also informed me that someone attempted to collect unemployment in the state of XXXX while they lived in XXXX XXXX and it was a XXXX XXXX XXXX. I've asked all credit bureaus to provide me with the details that they were provided by XXXX XXXX XXXX  They have failed to do this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, we tried to make a payment on our mortgage account which would have made the account current before scheduled transfer of the account to another mortgage company. Unfortunately, our online payment option had been XXXX and we could not make a payment. We immediately called XXXX to try to make a payment online with a representative ( XXXX XXXX XXXX and were advised that we needed to make the payment online because the online portal was still up and active. Again we logged into our online portal to try to make a payment and were unsuccessful. On XX/XX/year> XXXX who no longer owned the account made a negative report to our credit and when we were notified by XXXX XXXX on XX/XX/year>, we called XXXX and spoke with XXXX XXXX. We asked them how could they report anything to our credit when they no longer owned the account and intentionally XXXX our online ability to bring the account current. She put in a request to see if XXXX would remove or reverse the adverse reporting. We advised her about the letter that we had received from XXXX stating that we would be able to make payments on our account through XX/XX/XXXX, but that was clearly not the case. We disputed the negative report on our credit with Transunion and XXXX, who reached out to XXXX at which time they removed the 30 days late for XXXX but added a comment that the account was transferred but 30 days late. We have tried numerous times to get them to remove any adverse action reported by them because they did not comply with the letter in which they sent out to us as a consumer. On XX/XX/year> we spoke with an escalation manager by the name of XXXX to try get a different outcome and was told that the report made by them would remain as is. By her admission she stated that they had indeed XXXX our account before XX/XX/XXXX and any payments made needed to be received in the form of a check by XX/XX/XXXX. That was no stated in their letter and we were advised that any form of payment would be acceptable through XX/XX/year>. Everyone that we have spoken to has constantly given a different excuse to try to justify the deceitful act done unto us by XXXX Mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXX XXXX has violated the North Carolina Collection Agency Act section 58 70 100. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 805 Communication in connection with debt collection [ 15 USC 1692c ] If a consumer notifies a debt collector in writing that the  consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further with the consumer with respect to such debt. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 806 Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumers cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Product: Checking or savings account

I called the XXXX XXXX number to US Bank and asked me for my social my card number so I put my social and it gained access and then move forward to the automated systems someone on the phone they would not give me any information about my account they said I didnt have account But didnt have my Social Security number access an account and also I was given a US Bank account when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please conduct an audit with any withdrawals or deposit with the statement please invest.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION XXXX  {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought four airline tickets for a trip from XXXX XXXX to XXXX XXXX on XXXX airlines. I used XXXX to purchase the tickets. The total is {$160.00}. 

The trip was scheduled in XX/XX/XXXX, and cancelled because of the pandemic. Yesterday ( XX/XX/XXXX ) I began discussing rebooking the trip and discovered that XXXX stopped flying in XX/XX/XXXX. XXXX is now in bankruptcy in XXXX their web site and phone numbers are disconnected. 

Chase bank refuses to allow me to dispute the charge because they claim I had to do that within 60 days ( of what is not clear ). XXXX says I can use the credits but only on InterJet ( which is never going to fly again ). Chase 's Travel Insurance recently stopped covering bankruptcies and insolvencies.
Product: Credit reporting or other personal consumer reports

I am writing to address the persisting errors and mistakes on my credit report, as highlighted in the updated report you provided in response to my previous dispute letter. It is disheartening to discover that despite my thorough review of the updated report, inaccuracies still persist. As per the Fair Credit Reporting Act, it is your legal obligation to ensure that the information reported is accurate and complete.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries, as I lack any knowledge on them and they were undertaken by the company without my authorization.
Product: Debt collection

I can not overstate how frustrating and overwhelming this situation has been. XXXX waking up XXXX day to discover a debt you have no knowledge ofcompletely unverified and unrelated to you. Since then, I have been subjected to relentless harassment through various communication channels, with threats of legal action that I never thought Id have to deal with. As a law-abiding citizen, this experience is not only insulting but a blatant violation of my rights as a consumer. The stress of this situation has been unbearable, affecting my mental health and causing sleepless nights for days on end.
Product: Debt collection

I paid NFCU {$6300.00} to settle an account back in XX/XX/XXXX during their unethical debt collections I received a redressed check for another account that was settled back in XX/XX/XXXX for {$5600.00} and I received a redressed for that one, however, I did n't receive a redressed check for the {$6300.00} that settled a credit card debt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of item which is UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} or XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Product: Debt collection

Law Office of Mitchell D. Bluhm & Associates reported a derogatory account in my credit report from XXXX XXXX HOSPITAL for the amount of {$730.00} without any forewarning notification. 
Last time I went to XXXX XXXX hospital was 12 years ago and I paid all services provided through my insurance and co pays. 

This is a fraudulent attempt to collect a false balance as a derogatory debt. You must be desperate for money if you are attempting to collect on 12 year old accounts. 
No other data was given in my credit report except for a balance and Original Provider name. How illegitimate can you possibly be?

Law Office of Mitchell D. Bluhm & Associates has a long history of fraudulent activity reported in the Better Business Bureau with hundreds of victims. 

Here is the information to Mitchell D. Bluhm & Associates : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX I reported fraud charges to moneylion after I noticed the charges were not charges I processed. This was their response below saying that these were my charges that I authorized from XXXXXXXX XXXX, XXXX, and a place from XXXX, NY which I am located in XXXX. Now what I attach right here is my activity that shows I did not use XXXX eats nor XXXX. I have not used XXXX since XXXX Dear XXXX XXXX, We have completed our investigation of the dispute received from you on XX/XX/XXXX for the following transaction ( s ) : Date Description Amount Disputed Amount XX/XX/XXXX XXXX * XXXX XXXX, XXXX XXXX, CA {$51.00} {$51.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA {$88.00} {$88.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA {$59.00} {$59.00} XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, NY {$140.00} {$140.00} XX/XX/XXXX XXXXXXXX # XXXXXXXX XXXX XXXX, XXXX, NY {$170.00} {$170.00} XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, NY {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX, CA {$93.00} {$93.00} We have determined that no error has occurred. If you are able to provide new information, you may request a reevaluation of your dispute. 

We have come to this conclusion because : Account verified by XXXX. 
No deny codes XXXX that could indicate any suspicious activity occurred XXXX continued funding the account after the disputed transactions with XXXX and did not report a discrepancy, indicating XXXX was aware of the balance. 
XXXX has history of frequently using XXXX, XXXX and XXXX As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other Financial Institutions, Merchants, and Networks as part of the claim review. Based on our investigation, we have concluded no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. This notice serves as final resolution of your claim. You have the right to request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please look for the contact information on the back of your card. 

Thank you for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us. If we can be of further assistance, please look for the contact information on the back of your card or in your app as we would be happy to assist you further. 

Sincerely, Moneylion
Product: Mortgage

Wells Fargo illegally evicted me and foreclosed upon my property in XX/XX/XXXX. Wells Fargo admitted to the SEC that because of " calculation errors '' homes were foreclosed upon from XXXX on customers to were qualified for modifications but had been turned down by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XXXX. The state of Kansas XXXX XXXX XXXX placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XXXX or XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus XXXX, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed
Product: Credit reporting or other personal consumer reports

Company or Organization XXXX XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$7600.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$300.00} Other Identity Theft Company or Organization : the company Fraudulent Online Shopping or Payment Account Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$19000.00}