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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( XXXX ) XXXX ( 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

I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for Global Lending Service, XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting you this CFPB Complaint today to request to once more to remove the fraudulent accounts and information being reported on my Credit File. I greatly appreciated your time and effort to remove a portion of the fraudulent accounts and information off of my Credit File, however, I still see that a lot of the fraudulent items are still being reported on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. As I have complained before, I was a victim of identity theft and I never authorized anyone to use my personal information to open and use any of these accounts. Under the Fair Credit Reporting Act section 605b, I am requesting you to remove the following items off of my Credit File : XXXX XXXX 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 Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2100.00} XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Also, you have failed to send me copies of proof of verification or any documents for you to continue reporting the disputed items. If you believe that the disputed items belong under my name, I request of you to please send me any documents supporting your claims. In the absence of such documents, immediate deletion of the disputed items will be greatly appreciated.
Product: Bank account or service

I have been enrolled in the California 's hardest hit fund ( Keep Your Home California ) and Flagstar has been unresponsive to requests I have made detailing how these payments have been credited to my account
Product: Debt collection

Someone use my name while I was in federal prison, I advise the credit card company XXXX XXXX Bank and the prison sent them all paperwork to prove it was not me they said it was fraud and would have the account removed from the collection agency, low and behold the collection agency is trying to collect money from me and reporting this fraud account to my XXXX credit report for {$810.00}
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 681c-2 ( a ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax, requesting specific information on how they verified the accuracy of the bankruptcy reporting and other inaccurate information on my credit report. 

Details of the Dispute : XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, Public Record Court Name : Federal Reference Number : XXXX Specifically, I requested that Equifax provide the following information : The date you contacted the creditor/furnisher Name of the person who verified the item Method of communication used to verify information Whether the creditor provided XXXX, address, and date of birth Despite my clear and thorough request, and the provision of my driver 's license, a copy of my Social Security card, and proof of address, I have not received any response from Equifax. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send left to transunion llc XXXX XXXX XXXX XXXX PA XXXX asking where did they obtain information on my credit report of a bankruptcy. The letter that was sent to me stated verified as accurate. They have not advised me of who or how they obtained that info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Verify This invalidated account XXXX/DOFED  Account Number : XXXX Please remove it from my credit report. 

4. Verify This invalidated account XXXX/DOFED  Account Number : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX/DOFED Account Number : XXXX Please remove it from my credit report. 

6. Verify This invalidated account XXXX/DOFED Account Number : XXXX Please remove it from my credit report. 

7. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

On XX/XX/2021, I became a new customer at Mr. Cooper mortgage servicing. On XX/XX/2021, I made an online payment of {$1300.00}, plus an additional {$500.00} for principal reduction. For a total online payment of {$1800.00}. On XX/XX/2021, a withdrawal occurred from my XXXX XXXX XXXX XXXX XXXX ( XXXX ) checking account for {$1800.00}. On XX/XX/2021, I checked my Mr. Cooper account # XXXX it showed double payments of {$1300.00} and double payments of {$500.00}, totaling {$3600.00}. However only one payment of {$1800.00} has been withdrawn from my XXXX as of XX/XX/2021 @ XXXX hours PDT. 
I called Mr. Coopers customer service 800 and spoke extensively ( over 45 minutes ) with a representative about this issue. She could not guarantee that the second withdrawal would NOT be made. She did not know if this was an account specific issue, or a global system problem. 
Not wanting to deal with a potential NSF check/withdrawal I transferred funds to my checking account to cover a second withdrawal should it occur. See screen PDF capture.
Product: Credit reporting, credit repair services, or other personal consumer reports

The remaining balance on my student loans ( roughly XXXX in XXXX ) was discharged in XXXX due to permanent XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year  reviews. 

That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and XXXX XXXX were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a zero balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.
Product: Money transfer, virtual currency, or money service

My minor son is a victim of a money scam. He was threatened to send money via Zelle and he sent {$500.00} without my knowledge and authorization. I opened a fraud victim case with my local police the same day it happened. The credit union will not reimburse him his money and stated Zelle is a 3rd party company they are not affiliated with and because the money posted ; they will not reimburse him. This occurred on Friday, XX/XX/2022 and he was scammed out to {$500.00}. I contacted Zelle support and they would not reimburse him the money too even though they opened a case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to remove unauthorized unverified inquiries from my credit report with Transunion & XXXX they are refusing to assist. Some of these same items have been removed from my XXXX report as unauthorized and unverified as they are not attached to any account and unverifiable. 

This is affecting me from obtain credit and affecting my entire life I am trying to move and purchase a home for me and my family. Which we cant do due to these inaccurate information reporting. Thank you for your any assistance you can provide on this matter to get it resolved in a timely manner According to This : This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately I have attached a list of the unauthorized and unverified hard inquiries.
Product: Mortgage

Caliber is currently withholding over {$65000.00} in insurance proceeds that are suppose to be used to rebuild my home. The claim is over {$100000.00} and they have stated that to distribute any additional funds an inspection and 50 % completion and inspections is required. I am not sure how it would be possible to be 50 % complete in a $ XXXX project with only the {$40000.00} that has been distributed furthermore. They recommended that I schedule an inspection to demonstrate progress, I took there advice, that inspection has now been canceled three times. I have never felt so hopeless in my life, caliber should not be allowed to write mortgages if they can not service them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see y'all XXXX still XXXX playing with my credit u XXXX XXXX I WILL BE TA SEE YA IN XXXX GA MONDAY GOT XXXX MORNING BEETA BE READY CAUSE I DID THE XXXX PROCESS AND Y'ALL REFUSE TO DO XXXX AND CFPB Y'ALL AI N'T XXXX EITHER TO LET THIS FRAUD continue tho until somebody get hurt cause XXXX out here trying and y'all think I 'm gone let u keep doing bogus XXXX XXXX to me I THINK THE XXXX NOT I ask nicely to get that XXXX XXXX off my credit SO DAT WEB SITE TO FIND FOLKS OK ... I 'm federal property and all debts are prepaid so how the XXXX all that negative XXXX get the XXXX on my credit but JUAT cause u put FREEDOM in a book u think a XXXX ca n't and want read y'all XXXX move in commerce every XXXX day but think we do n't kw wat the XXXX yall doing so it 's my on now NO KEEP PLAYING WITH ME ... .HOPE Y'ALL CATCH A XXXX AND GO XXXX YOSELF
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaints : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion consumer credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXXXXXX XXXX on XXXXXXXX XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX under the account number ( XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have attempted to attain my XXXX EQUIFAX credit report 4 times over the last 4 weeks and the report information does not appear just a blank screen. when I attempted to attain it online. 

Additionally, I have sent in annual credit report forms via USPS regular mail 3 times requesting my EQUIFAX credit report but have not received an Equifax credit report or any type of reply after submitting 3 requests for it by mail.
Product: Mortgage

On or XX/XX/2015, I returned a " required '' ACH consent for a loan repayment, my loan was purchased by BSI Financial from XXXX XXXX. I have NOT chosen to do business with this company, I have filed a complaint once already for this company for not applying payment correctly. 
I am again getting statements that I am delinquent on my XX/XX/XXXX payment, which should have started via ACH for the XX/XX/XXXX 's payment. Their statements are showing an incorrect address for the loan. They are showing my personal residence, I have a mortgage with my credit union. This " SLOPPY '' work is what takes advantage of XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from Capital One that states that they are reporting a specific name and address to my credit file in regards to an account on my credit file and XXXX verifies this account as accurate. I have disputed the accuracy of this information numerous times stating that this account does not belong to me and must be removed from my account. It has been removed from my XXXX and XXXX accounts because it does not belong to me upon checking and verifying my personal information with XXXX, the information that Capital One is reporting does not exist on my credit file. How is this account accurate if the information that the creditor is reporting does not belong to me? XXXX is either lying about this account or not conducting thorough investigations. According to Fair Credit Reporting Act 611 ( a ) ( 5 ) ( A ) ( i ) if during a reinvestigation there is information that is deemed to be inaccurate after prior investigations claim that it is inaccurate, this information must be promptly removed. XXXX has continuously verified this account as belonging to me yet the creditor is reporting information to my credit file that does not belong to me and does not exist. This is a clear violation of my federally protected rights as a consumer and this account must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX ; XXXX XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have been reported on my credit file by your company, 700 CreditXXXX XXXX XXXX The inquiries in question were made on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year>. These inquiries were conducted without my consent and therefore violate the Fair Credit Reporting Act ( FCRA ), specifically regarding permissible purpose. 
Under the FCRA ( 15 U.S.C. 1681b ), a company must have a permissible purpose to access a consumers credit report. Since I did not authorize or initiate any business dealings that would grant your company such access, these inquiries are unauthorized.

I request that you immediately : 1.Remove the unauthorized inquiries from all of my credit reports ( XXXX XXXX XXXX XXXX XXXX XXXX 
2.Provide compensation of {$1000.00} as stipulated under the FCRA for each violation.

If you are willing to resolve this matter amicably, I am prepared to sign an agreement that includes the removal of these inquiries and the payment of the compensation without requiring your client to admit any wrongdoing. This would be a mutually beneficial resolution and would save both parties the time and expense of further action. 

Please be advised that if I am forced to litigate, I will seek actual damages as allowed under the FCRA, including but not limited to costs incurred as a result of these unauthorized inquiries. Additionally, I will pursue compensation for attorneys fees, court costs, and other expenses related to litigation. Below is an itemized estimate of potential litigation costs : Attorney Fees : {$5000.00} - {$10000.00} Court Filing Fees : {$500.00} Discovery Costs : {$1000.00} Expert Witness Fees ( if necessary ) : {$3000.00} Additional Miscellaneous Costs : {$1000.00} Total Estimated Litigation Costs : {$10000.00} - {$15000.00} I urge you to consider the significant expense litigation would entail for your company in comparison to resolving this matter promptly and amicably. 

Please provide a written response to this letter within 15 days of receipt, confirming the steps you will take to address this matter. If I do not receive a satisfactory resolution, I will be compelled to explore additional remedies available to me under the law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened   XXXX /2014 Details Pa yment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
Product: Checking or savings account

i received a letter from south state bank stating they would charge me {$10.00} per transaction starting XX/XX/year>. but they stated taking out funds since XX/XX/year>. totaling over {$800.00}. i did receive one months refund of {$260.00}. the refused to refund the other {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello., This is my 3rd attempt reaching out to the CFPB regarding the reporting of XXXX Account Number XXXX. XXXX deleted the account after conducting a proper investigation and the account was deemed to be non-verifiable/reporting inaccurate information. However, XXXX and Experian keeps stating that the account has been verified which Im confused by if all the credit bureaus are conducting the same investigation and reaching out to the same creditor. 

Ive took it a step further and decided to reach out to XXXX myself via certified mail to verify/validate the reporting of the account ( tracking information attached ). 

The letter was delivered on XX/XX/XXXX and I received a letter from XXXX stating that they would respond within 10 business from the date they received the letter ( XX/XX/XXXX ). Its been well over 10 business days and I have not heard anything back from XXXX. According to the FCRA this is a violation and Im requesting to have the account removed from my Experian and XXXX report immediately!! 

Also., It is my understanding that Under the FCRA 15 U.S.C .? S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The account is reporting inaccurate information.