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

Transunion is reporting inquiries I did not authorize and they have no purpose to be on my consumer report. Provide me with the documents that have my wet ink signature that states I gave permission to these companies to access my consumer report otherwise TransUnion is in violation of federal law by allowing these companies to have access to my report and neither has my consent to do so. These unnecessary inquiries are causing me harm. TransUnion claims these inquiries are verified but fail to provide me with any documentation which is needed to ensure they did a reasonable investigation into these matters. 

XXXX XXXX XXXX TRANSUNION INTERACTIVE TRANSUNION INTERACTIVE CAPITAL XXXX XXXX XXXX XXXX TRANSUNION INTERACTIVE IN TU INTERACTIVE XXXX XXXX XXXX TRANSUNION INTERACTIVE XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via TRANSUNION INTERACTIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts have been reported on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all fraudulent accounts listed below be blocked and deleted from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX : {$420.00} Account # XXXX Party Owed : XXXX XXXX XXXX  : {$2600.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$500.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$360.00} Account # XXXX Party Owed : XXXX XXXX Amount : {$240.00} Account # XXXX Party Owed : XXXX XXXX XXXX Amount : {$500.00} Account # XXXX I am disputing this claim due to : I Have No Knowledge Of This Account. It Is Fraudulent And I Am Requesting That It Be Removed Immediately. 
This is my official request to have the aforementioned item to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.
Product: Credit card or prepaid card

I sent this to cash app I just copied and pasted it And I need to appeal the decision that I authorizedthe transaction for {$250.00} because I did not authorize it nor did my husband $ XXXX XXXX XXXX Because my husband did not authorize it neither did I we do NOT KNOW WHO OR WHO THIS BUSINESS IS that's y we believe an error occurred because we r the only 2 with access to the tablet, besides the one that got stolen {$250.00} to XXXX but when I first did it they had a different name
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " XXXX XXXX multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card XXXX : XXXX XXXX XXXX XXXX. " XXXX XXXX '' is reporting a false missed payment on my report. I called " XXXX XXXX '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of XXXX XXXX and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " XXXX XXXX   again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " XXXX XXXX kept reversing my payments. The Creditor " XXXX XXXX  is giving me a hard time, i am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors.
Product: Credit card or prepaid card

I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a charge made on my Capital One Spark Card on XX/XX/2017. I have fulfilled all the obligations of an Identity Theft Affidavit and to have this transaction erased through FCRA 605B. So I am requesting that the fraudulent charge be erased from my so I can have an accurate balance. So I explained to a representative at Capital One that all they could do was dispute the transactions. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus my assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affidavit in the first place this time. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. Cap One is refusing to block the transaction because of a " time issue '' but there is NO time limit on Identity Theft I have sent in an ID theft affidavit so thus this charge MUST BE DELETED if the law is followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit reports are as follows : 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
Product: Payday loan, title loan, or personal loan

I dispute the loan being that I have no knowledge of this loan, the company here in XXXX TN closed down, the account is closed, and that this has been on my credit report for 7 years as of XXXX XXXX, XXXX. When I disputed the company I never received a letter or any form of communication explaining the debt.
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  Account # 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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account XXXX ( XXXX XXXX XXXX XXXX ) XXXX should not be on my credit report. I sent a letter to the collection agency in XXXX of 2020 and they have yet to validate this account. I also notified XXXX and Equifax that they are reporting inaccurate information, but this too fell on deaf ears that is why I am now requesting for the removal of this account per the cfpb. There have been many FCRA and fdcpa violations and I can seek monetary damages if this account is not removed. This account was never verified therefore you can not continue to report this information. It has been over 7 months and the company has failed to provide proof that they own this account and they have failed. This balance is also not the same as what the original creditor is reporting. The letter that was mailed to the company is attached.
Product: Debt collection

I contacted Online Information Services, a company based out of XXXX, NC, XXXX. This is about a debt from XXXX XXXX dating back to XXXX, after which services were switched at the home to another person residing in the home. I contacted the debt collection agency to explain that XXXX  XXXX states after 6-7 years of being on my credit that this debt was to be taken off. They replied that the account was closed in XXXX by XXXX XXXX Then they proceeded to tell me someone was paying XXXX XXXX  after XXXX on the same account that belonged to me and thats why it was still open. I told them i need paperwork showing the payments and how the payments were paid because i have no knowledge of how it was paid. I needed to know who was paying on the account after XXXX & why because it wasn't me. And if there was a person paying on the debt why is it still $ XXXX? The exact same amount that was left in XXXX when services were switched. In their own words they stated i am responsible for the balance of $ XXXX. Yet somehow some person somewhere was paying on the account until XXXX. This literally makes no sense this account only switched to being closed in XXXX when i disputed it online. Seems like they are purposely dating information wrong to keep old debts current to obtain money. When she stated she could not give me anything to help figure this situation out. i responded with I need this info to pass onto a lawyer and the person told me to give them the lawyers info and when i declined she hung up on me. They have information that could lead me to whomever kept this account open until XXXX and refuse to give me any help. XXXX XXXX told me that after 90 days of non payment they send it into collections. So based of what i was told the account with consumers should have been closed when it was sent to them over 7 years ago. Looks and sounds like a scam on multiple levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reaching out for assistance about an email and letter in the mail from XXXX about my information getting leaked from the breach that occurred. I pulled my credit reports and found there were multiple inaccurate addresses and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the addresses and or the information listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Checking or savings account

I was unfortunately the victim of scam from a holder of an Account at M & T Bank. The M & T Bank account was attached to my XXXX account as an external account. I had money transferred from that external account to my XXXX account on XXXX. On XX/XX/XXXX XXXX told me that the funds were in my account but still pending. On XX/XX/XXXX I received and email that the funds were debited from the external account and available in my account. I called the bank to confirm and was told yes they were. Now I have a letter dated XX/XX/XXXX that the account is closed and that they didn't get the funds from MT bank and so I am overdrawn. I have the account information for MT bank where the scam is taking place. This is also being reported to the Federal Trade Commission and the Banking Authority in Texas ( where I live ) as well as Florida ( where the scam people are located ). 

The files I am uploading are on the XXXX side ( the only account that I can control and have access to ) but show that the funds were taken from MT Bank
Product: Mortgage

Roughly three years ago, I purchased a new home at XXXX XXXX XXXX, XXXX VA, XXXX. From the point of closing I said up an escrow account to be sure that all my taxes and insurance were being paid in a timely manner. However, from the point the mortgage began, the company who is servicing my account " Select Portfolio Servicing ( SPS ) '' has been delinquent in paying my taxes every single time. Every month I receive threatening tax collection notices from XXXX county and the tax collecting company that they use. I then have to spend hours of my time every month tracking down SPS to make sure they are paying the county, and then following up with the county only to find out that despite promises SPS did not make payment. The pattern repeats itself every six months when my taxes are due. SPS does not make payment, the notices come in, I have to rack everyone down, SPS still drags their feet, and eventually they pay, after incurring massive interest and penalties. One one occasion I even noticed that SPS was making me pay for the late fees. After I pointed this out, they reluctantly paid me back, but did not compensate me with interest, which is ironic considering how much interest they charge me for borrowing money from them. I am a pretty sophisticated consumer, but even I am uncertain if they are still charging me for the late penalty.
Product: Checking or savings account

On or around that of XX/XX/XXXX I discovered that my debit card was used in an unauthorized manner. I then filed a claim with Wells Fargo. They, on XX/XX/XXXX, denied my claim and refused to refund my money nor to provide me with all documents related to my dispute. 

I too submitted inquiries and other things to XXXX and XXXX with no response back. 

They were requested to provide the video camera, transcripts, and everything they had related to claim number XXXX. 

In such claim, I disputed as unauthorized ; CheckingAccountXXXXDisputesasfollows ; XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXXXX XXXXCARDXXXX {$60.00} XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXXXXXXXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} And ; SavingsAccountXXXXDisputes ; XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXX/XX/XXXX XXXXCARDXXXX  {$60.00} XXXXNON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXX/XX/XXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXX/XX/XXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXXXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00}
Product: Debt collection

XXXX XXXX has repeatedly reported derogatory information to the credit bureaus causing my credit scores to drop considerably. This was from a XXXX medical bill that they set up monthly withdrawals from my credit card. I have the statements and now they are saying I owe additional fees that were not included in the withdrawals. I attempted to explain, I did not set the amount, I just provided my card information to eliminate the debt and not ruin my credit! They have stated they are uncertain why the amount XXXX Dollars for one and XXXX Dollars for the other were not taken, however, if I pay it now, they will stop reporting it. Mind you, they are reporting twice a month. This is just a terrible act committed against the little people. I was trying to be responsible and they still ruined my credit. I was in the process of buying a home, my score dropped 40 points in two months. This is unfair to the core of collections!!!!! We the little people in the Big Business World require assistance. HELP!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I notified Trans Union by Certified mail, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, Trans Union has not responded within the 30 days as required by law to validate this debt. They are in violation of the FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX  to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
Product: Mortgage

My old mortgage company sold my loan to NewRez but I was never notified. Then, I had a payment taken out, a wire transfer put back in, with a XXXX XXXX charge and then the money taken out again. This is abnormal since I used to make the payment and an overage payment.

I have two issues which are Federal violations for the bank. I was not notified of the transfer and they owe me XXXX . My mortgage company stole XXXX XXXX from me and did not even tell me who they were. 

I would like a manager to contact me immediately!
Product: Debt collection

I HAD AN ACCOUNT WITH FLORIDA POWER AND LIGHT WHICH WAS CLOSED ON XXXX/XXXX/2013 AMD PAID IN FULL. I SOLD THE PROPERTY ON THIS DATE AND PAID THE FINAL BILL I WAS SENT. XXXX STATES I OWED XXXX DOLLARS DUE TO BUDGET BILLING HOWEVER I WAS NEVER NOTIFIED AS THE PROPERTY I WAS SOLD I NO LONGER LIVED IN. XXXX DID NOT EMAIL NOR ATTEMPT TO CALL THE PHONE ASSOCIATED WITH THE ACCOUNT AND SENT THE BILL TO COLLECTIONS. AS OF TODAY I PAID THE REMAINING AMOUNT ION FULL HOWEVER XXXX STATES THEY WILL NOT REMOVE THE COLLECTION FROM THE CREDIT BUREAUS. 

NOTE : I WAS NOTIFIED OF COLLECTIONS VIA CREDIT KARMA.
Product: Money transfer, virtual currency, or money service

I got my ID to verify with XXXX and when trying to connect with my bank to transfer money I got a pop up for PNC Bank that they made a change that prevents me from linking my accounts to put money in my virtual debit card in XXXX. They told me I could file a complaint here