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

I have send this credit bureau several letters and filed over several complaints that has been ignored over and again about them reporting addresses that I requested that they remove and are not accurate due to fraud and other reasons I ask that they remove any and all address reporting on my credit report for this is my second request of this where i send in proof with a copy of my paycheck stub and update it with my address that is listed on my current drivers license that I have attached also I have disputed for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 

1. XXXX XXXX XXXX XXXX-XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused as I have made contact with the creditors as well as they informed me to contact the credit bureaus In which they are the only credit bureau reporting these inquiries and refuse to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove three accounts on my credit report that do not belong to me. I have personally contacted the creditors at Experian 's request and they have each individually confirmed my concern that Experian is reporting someone else 's information on my credit. <P/>I am filing this complaint because Experian is reporting someone else 's accounts on my report and they are refusing to remove these items. <P/>The following accounts need to be deleted from my credit report immediately : XXXX XXXX with account number " XXXX '' ; XXXX XXXX with account number " XXXX '' ; XXXX/XXXX with account number " XXXX '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the XXXX in their database. <P/>This is making things more difficult because since I am not the right XXXX, it is against their policies to send me additional information about these accounts. I am being given the run around by Experian and these companies and I feel stuck and do not know what else to do.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX 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 XXXX business days of you receiving this complaint. This deceptive, incorrect, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$380.00}. XXXX. XX/XX/XXXX XXXX XXXX. {$4300.00}. XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX {$7300.00} These accounts have resulted in multiple fake collections showing on my consumer XXXX credit record. I've attached a list of the ACCOUNTS/ADDRESSES in concern as well as a copy of the consumer XXXX credit report maintained by you which indicates the aforementioned false things. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections shown on my consumer credit record maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the consequence of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as documentation from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the product of identity theft and fraud.
Product: Debt collection

I have been receiving debt collection notices from banks, debt collectors, and medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a company wfds auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. 

thank you
Product: Mortgage

A foreclosure case has been commenced against the borrower in XXXX XXXX. Currently, mandatory settlement conferences are being held pursuant to NY XXXX XXXX XXXX. At a settlement conference held on XXXX XXXX, 2015, the Court directed the borrower to submit his most recent financial documentation to HSBC 's attorneys by XXXX XXXX, 2015, and directed HSBC to render a decision on the modification application by XXXX XXXX, 2015. 

On XXXX XXXX, 2015, the borrower, through counsel, emailed HSBC 's attorneys copies of the borrower 's six most recent pay stubs and two most recent bank statements for each of his accounts. HSBC 's attorneys confirmed receipt of these documents on XXXX XXXX, 2015. On XXXX XXXX, 2015, the borrower 's attorney received XXXX letters from HSBC, dated XXXX XXXX, 2015 and XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC claimed that the borrower 's application was incomplete and asked that he submit certain documents by XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC said that it would discontinue processing the application because it did not receive the allegedly missing documents by the deadline. Neither the borrower nor the borrower 's attorney received either letter before XXXX XXXX, 2015. The borrower appealed this decision to discontinue the review on XXXX XXXX, 2015. 

At a settlement conference held on XXXX XXXX, 2015, HSBC 's attorney stated that HSBC would continue with its review of the application. To date, however, the borrower has not received a notice that the application is complete.
Product: Money transfer, virtual currency, or money service

I am writing this complaint from a sense of utter frustration and disappointment at the way this transaction was handled by XOOM/XXXX   and how their Customer service department has been communicating the status. An amount of {$530.00} was supposed to have been deposited to a bank account in XXXX using the XOOM money transmission service and now after 10 days the recipient and the bank in XXXX - XXXX XXXX XXXX  has not received the funds. I have been in constant touch with their Customer service and they have been a complete waste of my time and this is why I feel very strongly that there is something very fraudulent about this transaction. I need to know exactly to which bank account number this transaction deposited the monies to. The history of this transaction on the XOOM website does not spell out the complete account number. If the monies went to the correct account, where did the hand off fail? The XXXX XXXX XXXX  authorities are saying the monies haven't hit their bank. I would really appreciate your intervention for a fair resolution to this matter.
Product: Debt collection

In 2021 I disputed this account with all three credit reporting agencies as well as the creditor. This is not my account. I have never done business with this creditor. I have asked to be shown the original contract with original signature in when I filed my dispute with ALL the MAJOR credit reporting agencies. I have not had the response that I am searching for. This account needs to be removed from my credit profile. This is adversely hurting my score. I am a XXXX XXXX veteran and a lXXXX XXXX  XXXX and I believe I deserve better results from our nation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After completing an investigation of my consumer reports I noticed a few inquiries that I did not recognize, authorize, or consent too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Equifax continues to report a bankruptcy that is not mine - I did not file this bankruptcy, I did not hire an attorney to do so, I did not authorize anyone to file this in the bankruptcy court. I have complained against them previously with your organization as well as the attorney general for CA, the XXXX and the FTC. Someone filed this and it was not me. I also provided the proof to them that I was n't even IN THE COUNTRY from XX/XX/XXXX to XX/XX/XXXX, so how could i have possibly filed this??? I have the border stamps to prove this, which I did send to them. 

In addition, I was able to get XXXX to remove this because IT DOES N'T BELONG TO ME, so how are they keeping this on there, when I provided the proof that those are not my signatures on the bankruptcy paperwork? I provided everything that they need. I WILL take them to court if they do n't remove this, but I 'm giving them the chance to save themselves some money. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences in the signatures on the petition which do not belong to me. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. These prove that I was not in the country not only on said dates of filing, but out of the country that entire year. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy must be blocked and removed pursuant to section 605B of the FCRA. I did not initiate, agree to, sign for, file or have anything to do with this
Product: Vehicle loan or lease

to whom may concern On XX/XX/XXXX, I leased a XXXX XXXX XXXX, XXXX at Texas Auto Center XXXX XXXX XXXX. I paid a cash deferred down payment of XXXX XXXX 
Unfortunately, upon further review of the contract, I noticed several inconsistencies in the pricing and financing terms that were not disclosed to me during the negotiation process. I feel these discrepancies were intentional and designed to be deceptive in order for me sign a contract that was not in my best interest. A few of the discrepancies have been identified as the amount owed on the vehicle and what is being reported to the credit agency XXXX concerns with the electronic signature such as the misspelling of my name missing information in the contract information that was input not by me information that was misrepresented as being a requirement when it was optional insurance fraud aggressive sales techniques high interest rate inability to successfully contact and communicate with the dealership to obtain any information regarding my lease payment information or receipts In additional, once a copy of my contract was finally forwarded to me, the information detailed between the two differed. 
I have attempted to contact the dealership multiple times to address these issues, but have not received an adequate response or resolution. I've always gotten the run-around. This lack of communication and accountability is unacceptable. I can never get a straight answer. Always put on hold. Always told " NOT able to give that information ''
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Debt collection

The bill collectors in charge of collecting my XXXX XXXX XXXX now carried by XXXX XXXX called me every single day, often times multiple times per day- in XX/XX/XXXX-through approx. XX/XX/XXXX. I had no idea that time was illegal until now. I can order statements from my cell phone company to confirm this occurred.
Product: Credit reporting 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 the 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 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 items of information, other than records of convictions of crimes which antedates the report by more then 7 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.
Product: Money transfer, virtual currency, or money service

I received an automated phone call from Coinbase asking if I was trying to withdrawal {$500.00} from my account. I instructed the automated call I was not trying to remove the {$500.00} and I input the security code that was sent to my phone via text. The automated call was unable to process this. The phone called me back three more times where I attempted to input I was not trying withdrawal funds from my account. When I returned home shortly after the calls I logged into my Coinbase account and noticed my balance which was near {$700.00} previously was now approximately {$66.00} with a major withdrawal taking place recently. I contacted support and they were able to verify someone made this large withdrawal but they were unable to tell who made the transaction or where the money went. The company locked the account and then escalated the issue for research. A few hours later Coinbase said there were approx. XXXX transactions in their system where someone over the course of a few minutes transferred out {$4.00} each time. This occurred non-stop and their system never trigged this abnormal transaction to their security. The Coinbase account in question has not been used in nearly four months. They then said someone was able to convert frunds from one type of crypto currency into another type and then transfer them out of the system but have no records or identification of who. I later looked at my bank account because it is connected to Coinbase and noticed someone tried to remove {$1000.00} and transfer it to Coinbase. I spoke with my bank and alerted them to the Fraud. They have put a temporary credit on the {$1000.00} pending the investigation. Coinbase refuses to replace the stolen funds due to their lack of security. I work in financial services and a company that can not protect consumers money either in the account at Coinbase or at outside financial institutions should not be allowed to market to the general public on such a large scale. I placed my trust in their company to protect not only my funds with he company but my funds at my outside bank. It is unbelievable the federal government will allow a company to handle consumers money and not have the ability to know where funds went and how. If I were to transfer money from the institution I work for or at a bank this would be traceable and would be unlikely to happen. The date of this situation was XX/XX/2022 and amounts to roughly $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent over a dispute and its been over 30 days. I am very stressed that they are reporting inaccurate information on my credit report which make it very hard to obtain credit from possible lenders. Still this day i haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open end consumer credit plan as late for any purpose.
Product: Mortgage

I have spoken XXXX at Shellpoint Mortgage about the payoff amount and we are trying to prevent the foreclosure we are given the run around from the mortgage company saying the attorneys office has to provide the information and they are not making a way to know the total amount due to stop the foreclosure sale. WE NEED HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$7700.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, utilizing my XXXX XXXX, my customer, XXXX, deposited {$5000.00} into my account via Merchant One using his Visa credit card for a job project. Merchant One froze my account and claimed to have refunded the {$5000.00} to XXXX. However, XXXX has confirmed that he has not received the refund. 

1. Merchant One froze my account without providing clear justification. Invoice XXXX XXXX. Merchant XXXX XXXX claims the funds were refunded but has not provided any proof of the transaction. 

XXXX. XXXX confirmed he has not received the {$5000.00} refund. 

Customer is threatening to file a police report due to this unfortunate situation Merchant One
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and on XX/XX/XXXX I sent a certified letter to Transunion to remove accounts that were closed more than seven years in accordance to FCRA 605 ( a ) ( 4 ) and ( 5 ). To this day, Transunion refuses to remove old accounts and adverse items of  information. Instead, Transunion continues to report them as unpaid, incorrect, and/or derogatory. In the two letters I sent them I also asked them to please prove the accounts they are reporting are correct and to provide the information that was used to place this on my report. Transunion has failed to respond to any of my requests or letters. 

In addition, Transunion is not following the procedures set forth in the FCRA subpart 609 ( a ) 1,2,3, 4, 5, ( b ) and ( C ) indicating that these accounts are in dispute by the consumer I am a member of Transunion and feel I should have all my money back for all the wrong information being reported.
Product: Checking or savings account

On XX/XX/year> I made a cash deposit at a capital one atm machine. The atm gave an error message and only deposited {$7.00} of the {$4000.00} to my account. I called and filled a claim of the missing {$3900.00} that did not show in my account claim number XXXX. I was told It could take up to 45 days to investigate and I would receive a credit in 10 buisness days while they investigate. XX/XX/year> I received an email saying below is the outcome of the investigation and my account was credited {$200.00} as a partial credit. I'm still out of {$3700.00} that was deposited.
Product: Credit reporting or other personal consumer reports

XXXX data breach XXXX false inquiries in my credit report
Product: Debt collection

They called me XXXX times in a matter of XXXX hours over a balance of {$490.00}. This is ridiculous.