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

I am writing to you to express my deep concern regarding an alleged fraudulent XXXX account that has been erroneously reported on my credit report by Transunion. This account is adversely affecting my creditworthiness and has significant repercussions on my financial standing. 

Despite my repeated requests, Transunion has failed to provide sufficient evidence to validate the existence of this alleged account. I have requested Transunion to furnish any agreements, signed contracts, bills, or other documentation about this account, to this date I have yet to receive any documents. It is essential to note that I have no knowledge or affiliation with the reported XXXX account. 

Transunion 's assertion that this account is accurate is categorically untrue and unsubstantiated. Without any documentation verifying this account 's legitimacy, Transunion must take immediate action to remove and delete this erroneous entry from my credit report. 

The inaccurate reporting of this alleged fraudulent account by Transunion has had severe repercussions on my financial well-being, impacting my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. It is unjust and unwarranted for Transunion to perpetuate such damaging inaccuracies without providing any concrete evidence to support their claims. 

Therefore, I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Transunion adheres to the Fair Credit Reporting Act. I urge you to compel Transunion to promptly remove and delete the erroneous XXXX account from my credit report, thereby restoring the accuracy and integrity of my credit profile. 

I appreciate your attention and look forward to a swift resolution. Please do not hesitate to contact me if any further information is required.
Product: Credit reporting or other personal consumer reports

There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am submitting a complaint to request that you will take immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking. Also, I asked for them to send me records indicating those accounts on file needs to be deleted. They still not have corrected this error, I am litigious about getting this errors off my report. I can not open a checking account anywhere because of this.
Product: Mortgage

On XXXX, XXXX, I was displaced by the disaster wildfires in XXXX XXXX. I contacted my servicing company Rushmore Servicing on XX/XX/XXXX, and was told I would be able to get 3 months forbearance. I received a letter as attached, and the name of the investor. 

I called today as I looked on my loan portal and it stated that my XX/XX/XXXX loan payment was still due. The staff were extremely unhelpful given the disaster and simply said the investor did not approve the forbearance and the loan payment for XXXX was still due. 

This insensitivity during the greatest national disaster in US history is simply unacceptable and such a complete roadblock to my road to recovery. I am still displaced and need to find alternate accommodations. I have made every loan payment on time for the last 3 years and I have excellent credit
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine. 

I have listed the inaccurate in XXXX  and sent it to the Bureaus. Please see the attached file on this complaint
Product: Checking or savings account

We wrote a check for {$6000.00} to a facility that cares for our XXXX XXXX XXXX mother ( it is her money ) on XX/XX/XXXX of last year. That check was stolen from the XXXX post office and cashed by a party it was not intended for. These funds have not been returned to us for over 6 months and we can not get any answers on where we stand other than they are still investigating. 

Please help
Product: Prepaid card

Cash app is refusing to release my funds they claim I have a court order XXXX  lien which is a lie, I did a debtors search from XXXX. I asked for documents that another company sent them they refused to send to me.
Product: Credit reporting or other personal consumer reports

I am in utter disbelief. Just when I thought your company couldn't be any more disappointing, every day you surprise me. I haven't gotten a response initially on the first time I reached out regarding these wrong information on my credit report and who's to take responsibility? I feel neglected and unimportant and it feels you do not care about any of your consumers or their rights to what is being reported on their credit.
Product: Debt collection

On XX/XX/2018 I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/2018 I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name " XXXX '' and he informed me that they did not take it off for the membership agreement. That no law could stop them. This is after I had called multiple times stating that I never agreed to this " membership fee '' to began with. It's false representation!! I have already paid this loan off.
Product: Money transfer, virtual currency, or money service

On several occasions I contact Zelle about payments process without my approval and they refused to help resolve the issues.

Money and Dates lost XXXX {$3300.00} XXXX {$4600.00} XXXX {$4300.00} XXXX {$1400.00} XXXX {$3600.00} XXXX {$4500.00} XXXX {$3300.00} XXXX {$3600.00} __________________ Total {$28000.00}
Product: Credit reporting or other personal consumer reports

I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute erroneous reports provided by XXXX XXXX XXXX. 
XXXX XXXX showed several discrepancies between the three reporting agencies : Transunion reporting balance as {$5300.00}, reporting 120 days past due. Has missing, incomplete and inaccurate data reported monthly. List a {$6900.00} balance for XX/XX/XXXX ledger but has starting balance of {$6900.00}. The high balance history is incorrect XXXX reporting balance as {$5300.00}. Has missing, incomplete and inaccurate data reported monthly. Last updated XX/XX/XXXX XXXX has missing, incomplete and inaccurate data reported monthly. Listed as current/ terms met but data provider noted paying partial which is purposefully misleading information. reporting balance as {$5300.00}. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information. 

This information has greatly impacted my ability to qaulify for other opportunities and I have been denied opportunities. 

Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Product: Credit card

I am writing regarding inaccuracies I have discovered in my consumer report. Specifically, I have identified transactions furnished to my report that are excluded by law under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( Ai ). 

XXXX ( CLOSED ) Account Number XXXX XXXX Activity Designator PAID_AND_CLOSED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SD XXXX
Product: Credit reporting or other personal consumer reports

Equifax and XXXX failed to investigate and notify me about debt validation ; my inform was also leaked in a data breach.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX Inquiry XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I keep my credit frozen with the XXXX credit bureaus through their websites. Several months back I needed to unfreeze my credit temporarily. I was able to do this with XXXX and XXXX, but could not login to my Experian account. 

The account is secured with multi-factor authentication requiring a code to be sent to my phone. When I enter this code on the website, I get an error saying the request has been cancelled. I called the support phone number provided, however there is absolutely no way to speak to a person. 

Their alternative is to write a detailed letter explaining your issue. I did this back on XX/XX/XXXX requesting assistance to unlock my account. I received a response several weeks later indicating that they had unfrozen my credit. I did not request that my credit be unfrozen. My account remained inaccessible. 

I sent a follow up letter on XX/XX/XXXX, explaining that they did not resolve my issue and again requested assistance with my login. I have not received a response to this request and my account remains inaccessible. 

My credit with Experian is currently unfrozen and I have no way to freeze it or resolve my login issue. 

I am extremely unhappy that an organization that I am forced to deal with has no obligation to provide customer support.
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX on XXXX that my credit report had changed and that my score dropped XXXX points. A debt of {$200.00} that was owed to XXXX was sent to the First Collection Services in XX/XX/year>. I contacted the agency ON XXXX and made the FULL payment. 

I never received notification of this debt before it was put on my credit report. 

The first call I made to the agency on XXXX, I talked to XXXX who told me that they called but their policy is not leave messages. She also told me that a letter was sent. 

The second call I made to the agency on XXXX, I talked to XXXX who told me that there was no letter sent notifying me of the debt. She also told me their policy is to NOT leave messages. 

XXXX said that she would talk to her supervisor and for me to call back. 

I called back on XXXX and spoke to XXXX who said they couldn't remove it they could only update that it's been paid. When I questioned her about not being notified about the debt, she repeated the same thing. I then asked to speak with a supervisor. I was transferred to XXXX XXXX. I left a message. 

I never received notification of this debt before it was put on my credit report.
Product: Credit card

American Express has been calling me relentlessly every 2 to 3 hours for the past two to three weeks and they do not respond to faxes to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a loan and authorized a credit inquiry. However, my credit was pulled subsequently, before credit documents expired, without my explicit consent or knowledge.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 called SoFi and asked for paper statements as I was losing internet and computer. They said they only issued paper statements. I asked for a copy of that policy. They refused. I asked who governs their banking practices, they refused to tell me. I wanted to know if it was the Office of the Comptroller of Currency or the Federal Reserve. They said they are a private lender. So I learned they are governed by the Consumer Financial Protection Bureau, but they refused to tell me that information. They DO NOT have a license to operate in the State of Wisconsin, I live in Wisconsin. I asked for her last name, she refused. I asked for her supervisor, she refused. I asked for a copy of our conversation, she refused. I asked for a monthly statement to keep track of my balance, she refused. I asked for a copy of our loan agreement, she refused. I asked for my interest rate and when my loan would be paid off, she refused.As I am XXXX years old, with serious XXXX and health and XXXX  problems and lots of other issues, this is very stressful. Can you help? All I want are things in writing from this company and monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXXXXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I previously lived at a community due to a divorce I moved out. I turned in my divorce decree and the filed and signed one after stating that I was no longer living at the apartment and therefore will assume no responsibility to that address. My ex spouse stayed, I am not sure how long. Hunter Warfield appeared on my credit in late XX/XX/XXXX I believe. Never before had it appeared NOR had I received any letter from the community or I would have had it addressed and corrected. Hunter Warfield wont give me details on the debt. They claim they did not have that document I sent it to them. they stated they needed to speak with the community. The community states they are under new management and can not locate my file. I have been stuck in limbo with both companies since they can not file a file. I have supplied the information I have that is legal documentation stating only my ex spouse is at the apartment and only he is responsible. The collection agency wont answer my calls and just email me with a generic email stating they are investigating. This has been since late XX/XX/XXXX and the debt is illegally still on my credit report! Please help me remove this debt I do not owe. I can provide this legal documentation if needed.
Product: Debt collection

I.C. System, INC has repeatedly contacted me about an account that I have no idea about. I asked them for a copy of the contract that I supposedly owed on and they could not produce one. I have asked them repeatedly to stop calling me and stop sending me letters. Now they are threatening to negatively report on my credit report if I don't pay them. I told them specifically all of these things but would not stop sending communications to me. I have XXXX children  and do not have to to deal with these bullies.
Product: Debt collection

They contacted me and identified the debt amounting to {$110.00} and I never received information to verify and validate the debt.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am reaching out to dispute an account that has been incorrectly listed on my credit report. This account does not belong to me, and I request its immediate removal : XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into this matter and its correction. 

Please confirm in writing when this item has been removed. Let me know if you require additional details.
Product: Credit card

I've talked with my credit card companies and was advised that the. 20+ % is due to the prime rates that is mandated by the federal government. I would like to know who do we as consumers need to contact about these prime interest rates? What committees or subcommittees do we need to address our complaints? My husband and I along with others have outstanding credit score and excellent payment history XXXX but yet have high interest rates. Please advise. Thank you..