23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

tried to withdraw XXXX dollars from a XXXX XXXX atm with my cash app card the atm never dispensed the money but took from my account. truist customer service said to take up with cash app because the transaction was reversed cashapp has denied my dispute 2 times
Product: Debt collection

On XX/XX/XXXX, I received a call from " Resource Management Group '' with phone number XXXX. I missed the call, so I returned it and a man answered the phone. Advised that they were calling about a credit card debt which was about {$1300.00} from XX/XX/XXXX and it was closed in XX/XX/XXXX. I advised I wasn't aware of the debt and that I'd filed bankruptcy during that time anyway. The person then hung up. I called back, to speak to someone and it sounded like the same man who I spoke to previously stated that he didn't know who I spoke to, verified my information and then advised that they were calling about the debt from XX/XX/XXXX and it was closed in XX/XX/XXXX. He said his name was XXXX XXXX, I advised him that I was not aware of the debt and that I filed bankruptcy during that time. 

He proceeded to argue with me that my bankruptcy was filed in XX/XX/XXXX and didn't apply. I told him I never received a letter or anything before now regarding this debt and I asked for the address where I can send a letter or to receive verification. He refused to give it to me and hung up on me. I called back a 3rd time to speak to the same man and he advised his name was XXXX XXXX or something similar. I then asked him for the address again and advised him this was a scam because he's given me 3 different names so far. He continued to argue with me and yelled out an address which i was not able to catch. I asked him to repeat it and he refused. I then hung up on the representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint filed with FTC and police report filed for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I believe no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Original Creditor : DIRECT LOANS ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit reporting agencies ; TransUnion, XXXX, and XXXX. As per clause : Credit Reporting agencies must provide the processing time frame in which they compute the data they received from a creditor. However, TransUnion refuses to comply and trys to say 30 days which is required by a creditor not a credit reporting agency such as TransUnion. I want them to provide the time frame in which the compute the data to a users report public like required by law. I can not find it anywhere on their website and when I asked them via XXXX they told me : Hello, Due to the number of subscribers that report information to TransUnion, there is no one answer to this question. We would not provide the specifics of any creditor or proprietary information about how we do business with them. If you are referring to a dispute response, We process those requests within 30 days as required under the Fair Credit Reporting Act ( FCRA ). 

Please let us know if you need anything else. 

-XXXX  As shown above, within 30 days, is required by a creditor not a credit reporting agency.
Product: Debt collection

I have tried to resolve this issue with the company. This company has responded to complaints with further allegations and continue to damage my credit identity by reporting a fraudulent account. 

According to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract all accounts you post on a credit report. 

I have yet to seeVerifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

This company has stolen my personal information, which is identity theft and I demand resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The XXXX XXXX company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
Product: Debt collection

I paid my past due account of XXXX directly to XXXX on XX/XX/2013 and have the bank statement to prove it. Trident stated they purchased the debt XX/XX/2013 from XXXX Although I have proof of the debit from my checking account they refuse to accept the copy of my bank statement. This debt is paid since XX/XX/2013
Product: Money transfer, virtual currency, or money service

My business was use against my will my name and identity was used as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a police report on behalf of all the charges made on my credit : XXXX/COMENITY/FOREVER 21 Account number XXXX Account charged off. {$310.00} written off. {$100.00} past due as of XXXX XXXX. 

Account name XXXX Account number XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX Account charged off. {$910.00} written off. {$910.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX XXXX $ I have tried to dispute these in the past but it seems that I need a police report and to file identity theft in order to get this take care off. It sucks when someone uses your credit before you get the chance to start your life.
Product: Mortgage

I never gave authorization for an adjustable rate mortgage. Never even signed any documentation for it. My loan provider, which is now XXXX, confirmed that I have an A.R.M. I was told by an XXXX agent, that i may have been a victim of predatory lending and that if i did not sign any documentation for an A.R.M., than documents could have been falsified.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX 's inaction violates Federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate personal information reported in my credit file, which remains uncorrected despite a prior dispute request. The credit report continues to display incorrect details, including variations in my name and address, as well as errors in other identifying information. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires maximum accuracy in consumer reporting, and 15 U.S.C. 1681i, mandating timely reinvestigation of disputed information. I am requesting that these inaccuracies be corrected promptly, with written confirmation once updates are completed.
Product: Credit card or prepaid card

I call and make my payments to XXXX and pay my balance every month over the automated service system and sometimes a real live agent. 

The XXXX XXXX change hands to XXXX XXXX  XXXX XXXX over 6 months ago. I called the credit card company and talked to a customer service rep to update the banking information with the new banking XXXX information the account number staying the same. 
I made several payments after that date using the automated system and a live agent. 
When I called my payment in XXXX to the automated system the bank account they charged was to XXXX XXXX since to my knowledge it was changed in XXXX. 

Discover credit card is stating its a NSF charge it could not have been charge to that account because the bank account under XXXX is non-existent it would not be allowed to be processed. 

I have called many times and ask for them to refund the NSF because it was there error.. 

There were given permission bank in XXXX to remove the XXXX banking information and added the new banking information to XXXX XXXX XXXX XXXX XXXX. XXXX refuses to refund the {$29.00} fee. 


Im am elderly and I need my money returned immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT ON BEHALF OF MYSELF AND MY WIFE BECAUSE OUR MORTGAGE IS NOT REPORTING TO OUR CREDIT REPORTS. WE CONTACTED XXXX XXXX AND THEY SAID THEY REPORT EVERY MONTH SO IT MUST BE THE CREDIT BUREAUS AT FAULT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 an Collections account from XXXX XXXX company for XXXX that does NOT belong to me has reported on XXXX  and Experian. I have reached out numerous of times to both companies stating that. I never had XXXX services. The address that they have linked to the XXXX services that they CLAIM Is mines the address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have spoken to them and told them that I have never lived at that address. My CORRECT old address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. Apartment XXXX is not my apartment number. I have bank statements to prove that I have never lived at that XXXX address. Credit bureaus are failing to verify information on this account.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Credit Reporting Inaccuracies Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding inaccuracies present on my credit report. Despite multiple attempts to rectify the situation directly with XXXX, the errors persist, prompting me to seek assistance from your agency. 

On XX/XX/2022, I discovered several discrepancies on my credit report provided by XXXX. These inaccuracies include incorrect variations of my name, such as " XXXX XXXX, '' " XXXX XXXX, '' " XXXX XXXX, '' and " XXXX XXXX XXXX. '' Additionally, there are erroneous addresses associated with my profile, namely : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX My correct name is " XXXX XXXX XXXX XXXX and the only accurate address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have provided XXXX with appropriate documentation, including identification materials, to support these corrections. However, XXXX has failed to update my credit report accordingly. 

Continuing to report these inaccuracies not only damages my creditworthiness but also violates the Fair Credit Reporting Act. Despite my explicit requests, XXXX has failed to address these issues in a timely manner. 

Furthermore, I do not consent to XXXX  or any automated means of verification. I expect XXXX to manually verify and correct the inaccuracies as mandated by law. 

I am seeking your intervention to ensure that XXXX complies with its obligations under the Fair Credit Reporting Act and promptly rectifies the errors on my credit report. Additionally, I request that XXXX provide me with an updated credit report once the necessary corrections have been made. 

Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XXXX/XXXX/2017, Equifax has just had a massive data breach affecting most people with credit, even though they did not choose to have their information stored by Equifax. 

Anecdotal reports indicate that whether the website will tell you if you were affected or not is randomly generated and they are using their own security negligence to push more paid services on the consumer. 

I find it unsettling that most companies offer 2 factor authentication for free to protect your information but credit reporting agencies do not and will even charge money for monitoring. 

This data breach can affect anyone involved many years later and the company should offer free monitoring for at least 7 years to anyone affected. They should not be trying to profit off of a breach that their own negligence has caused.
Product: Credit reporting or other personal consumer reports

I have reached out to these companies and creditors as well as the credit bureaus including XXXX, TransUnion and XXXX for a while now about accounts that they are reporting that are fraud and inaccurate stemming from me being a victim of identity theft. I have sent reports, police reports as well as FTC reports to these companies. Along with all the information that is needed to show and prove I have been a victim of identity theft like Personal statements explaining to them that I am a victim of identity theft and that I never gave anyone permission or authorization to use my name for goods and services with these companies! Yet and still they are refusing to oblige and or investigate these accounts and remove them from my credit. 
I have sent the attached letters below to these creditors and companies asking them to investigate and send me the identifying information and signatures and pictures showing where I walked in somewhere and opened these accounts yet that's never done either! Per the FCRA creditors are supposed to Abide by law when a consumer has informed them and sent in the proper documentation that follows on how to proceed when a person has notified them that they are a victim of identity theft and have rights under these laws, Yet not one of these creditors has done due diligence yet they choose to keep reporting these fraudulent and inaccurate accounts that do not belong to me! 
My credit, reputation, creditability, character has all been damaged and ruined by these companies and thieves acts! 
Because these companies refuse to do their jobs and refuse to follow the laws of identity theft victims my life has been destroyed for some time now! The stress, embarrassment, agony and anxiety I have endured all this time has been detrimental to my health and livelihood! 
I have been denied credit, housing, goods and services as well as jobs due to these companies ' lack of due diligence and their inaccurate reporting!
Product: Student loan

My sons student loans were done via sallie Mae/federal student loans site. At some point they were transferred to Navient for servicing. I have recently noticed that they are listed as private loans and not federal loans. We never applied or dealt with any banks, credit unions or other financial institutions.I have no idea when or how this happened but I did not understand the significance of the loan type until recently. My son was approved for covid forbearance ; however, the latest extension applies only to federal loans. We would like his loan type corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Money transfer, virtual currency, or money service

I first called on XX/XX/XXXX to let them know that there was a fraud through western union. There was money transferred in the amount of XXXX to XXXX, and i have no clue where that is. I spoke to a supervisor on this day and she stated it was a inside job and I will have the funds within 7-10 and the police would be involved. I then received a letter from my bank that the fraud charges that i called about and was refunded to my account would be taken away due to western union stating that it was mine. On XX/XX/XXXX I then spoke with another supervisor that the fraud case was not done properly by the first supervisor and he would submit the fraud claim and i would receive my money wthin 7-10 business once again. Throughout this time frame i have spoken to at least 8 reps and 3 supervisors and this has yet to be fixed. This is going on 4 months and I want my money ASAP!!!!
Product: Payday loan, title loan, or personal loan

A official copy of my Notice of Complaint by Affidavit regarding the Discriminatory Actions and Federal Law violations made by the corporation in question is being attached to this CFPB complaint along with the evidence/proof that proves the allegations herein Please take note : A copy of said notice will be mailed out today to the the financial institution and its registered agent via XXXXXXXX XXXX Mail 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report and I need you to remove each and everyone of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.