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

I have sent 4 dispute letters to Transunion regarding an inaccurate and fraudulent account on my credit report. This account, XXXX XXXX XXXX XXXX XXXX, is only being reported by Transunion. Nothing regarding this account appears on XXXX or XXXX. I have sent supporting documentation via certified mail, to Transunions XXXX. XXXX showing the discrepancies amongst this account showing on my Transunion credit report, but being removed from XXXX and XXXX  due to fraudulence. Despite this, Transunion continues to leave this fraudulent account on my credit report. Per FCRA, all information reported must be verified and accurate. How can this account be verified and accurate in this circumstance? Transunions refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Transunion is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Transunion has failed to provide the method of verification under 611 XXXX a ) ( 7 ). Per section 611 ( 5 ) ( A XXXX, Transunion is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.
Product: Money transfer, virtual currency, or money service

A group of people, a team work have been taking money from my cash app account, they changed my phone number and email and they don't seem to stop. Every time I try to report it they have access to the company to make it seem it was me. Its been different people have taken from me about 2000 I have pictures I took. Please help me resolve this. I beg you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In 15 U.S. Code $ 1681c-2 it states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. i am demanding this debt to be removed..
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting. 

See attachment
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF HARD INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These several fraudulent hard inquiries and appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to XXXX XXXX to purchase a XXXX XXXX XXXX. I sent them my Dealer Funding Request from USAA and waited for hours. I looked up the car and found out it was a salvaged title. I told the dealership I do not want the car. I called USAA to tell them to cancel the loan all together but was advised I can use the dealer funding request or a different car. I still told USAA not to find the loan until they speak to me. On XX/XX/XXXX, I went to purchase a different vehicle. When I went onto USAAs site I saw the loan was funded on XX/XX/XXXX for the XXXX XXXX XXXX. I called USAA to ask what happened and I was told the dealership filled out the funding request. I called the dealership to ask what happened on their end and I was told they dont know what happened and they have already sold the vehicle to someone else. I had to get a second loan for the vehicle I had to purchase. I have called USAA every week since XXXX. I have gotten my military attorney involved. I have had neither clear communication nor a resolution in over 3 months. Not only is my credit score being impacted, but also my security clearance I hold for my job in the military.
Product: Money transfer, virtual currency, or money service

I got an email in regards to a remote job opportunity XX/XX/scrub> 2024. They said that Ive been selected to move forward in the hiring process. I was sent a form to fill out that I was told it will serve as the interview XX/XX/scrub> 2024. I was told I got the job and that someone will reach out to me via message for the next steps. Through text, I was told a training date and that I will be sent checks. These checks needed to be cashed by me and the funds needed to be sent from me using XXXX XXXX, XXXX and XXXX XXXX. I was told it needed to be sent by me because the in voice needed to be in my name. The money was intended to be for the work from home equipment. I was told I needed to send it to their selected vendor. I mobile deposited the check and sent the money XX/XX/scrub>, 2024. They then wanted me to send another check. By then, my mother informed me that this is extremely phishy and that I most likely got scammed. The checks bounced and I was out my own money. Ive been trying to get my money back with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting my annual free credit report from Equifax because of updates and am a victim of scams, fraud and id theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair credit reporting act covergant accounts- All accounts from XXXX XXXX XXXX. 
To be removed/Deletions for all repeated accounts on my report and all violations from accounts to be deleted and took off my credit report. 
They state a full investigation was done and came back verified and updated but that's a lie and another violation of my rights. 

because under 15 U.S.C 1681i - procedure in case of disputed accuracy.

. Has violated my rights. 15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U S.C 1681 Section 604 A section 2. It also state 's a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX XXXX XXXX : {$1400.00} - This account currently reports information illegally. An account having a status of XXXX  days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet for XXXX consecutive months you continued to mark this account as XXXX  days late. I request a thorough investigation and an update must be made with lawful accuracy. Regards.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I requested for a money transfer from my checking account to be sent to XXXX. Money was taken out of my account on XX/XX/2019. On XX/XX/2019 I received a confirmation from Money Gram stating that my transfer was sent. I was notified by the receiver that the money never got there. I called on XX/XX/2019 and Money Gram said that their system is down and to call back in 24-48 hours. I called again on XX/XX/2019, I was on the phone with Money Gram for over an hour, talked to 7 different people, and no one could fix the problem. I asked for a refund, they said maybe 4 days maybe 11 maybe 30. No one knew what to say, no one helped, they gave me no answers, and would let me submit a claim.
Product: Credit reporting or other personal consumer reports

I tried many different forms to disputes these account and they keep sending all documents without no proof of the address and my hand writing of signatures all these accounts and inquires are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Dear Bayview Notice of Pendency XXXX ( document number in county recorders ) put on my property by a third party - using a case number that was filed during bankruptcy stay and later discharged. The judge reconfirmed stay in current case XX/XX/XXXX and again XX/XX/XXXX. The third party is trying to block me from refinancing property. The third party did not notice Bayview, XXXX  XXXX XXXX or myself in XXXX to my knowledge. I am asking Bayview to look into matter in any way you can to assist with matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an unknown account reporting on my credit file inwhich i have no knowledge of. In the past this has been an issue after my identity was lost and unfortunately compromised. I've reported such to the 3 major credit reporting agencies many months ago. Therefore, I'm demanding the immediate removal of this unauthorized account. Please block this account. 

1. XXXX {$190.00}
Product: Credit card or prepaid card

This is not a duplicate. The phone number that is being used as my contact information is incorrect and I have no idea where they received that information. My number is XXXX which is on my account with them, on file with the OESC, and is on file with the CFPB. I still have not received an email either. This is my last attempt at an informal resolution.

Previous complaints. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic in 2020 my entire household was hit with XXXX XXXX and me and my spouse was completely out of work we was very sick so I reached out to a public agency who assisted with rental payments to help me with rental payments because I had fallen behind and I had to come off of my job because I was so sick and to help take care of other household members who was also sick the agency agreed to pay 4 months of rent including what I had fallen behind of the leasing office claims they never received a payment in which the case rep who was helping me at the time sent all receipts and letters for proof in which I have attached copies of.
Product: Checking or savings account

On XX/XX/XXXX - I filed a fraudulent dispute when several transactions posted on to my account from XXXX XXXX 

I called between XXXX XXXX about the status of the claim and was told I would get credit that Friday from those transactions. 

I called again XX/XX/XXXX, and was told it was still pending ... 

I have not received any documentation from US Bank regarding my claim - and it has been over 45 days and my account is still negative. 

I was told credits are posted in 10 days from the time claims are filed.
Product: Money transfer, virtual currency, or money service

Had {$2000.00} in a XXXX  account for cryptocurrencies, XXXX decided they didn't want to offer this type of account any more and transferred to XXXX. XXXX  XXXX  for transferring money out of the crypto account before handing over to XXXX  did not work and the notice and window to do so was very short. 

Anyway, I reached out to XXXX  to get access to the funds, I had to create another account, on their platform, upload my drivers license, social security number, etc and wait days to be " verified '' I've emailed support for XXXX weeks now trying to find out where my funds are yet there is only an occasional " we're working on it '' type response. 

I've never heard of XXXX, I've never asked for XXXX  There's no phone number, live chat, physical office, just an email address. 

Why do I have to prove my identity and jump through a bunch of hoops for a company that doesn't even have a phone number?
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of Trafficking that has resulted in Debt Bondage and effects my consumer report. As a XXXX of XXXX  trafficking or XXXX trafficking, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I noticed several accounts that I have no knowledge of. I asked that they be removed and they are still showing up on my account. please remove before I proceed with legal action in federal court
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for numerous credit cards and while in the earlier stages I was advised that it would be more difficult to obtain a credit card due to a lack of credit history, I should continue to build credit with my current two cards. I have been advised by XXXX  that I had a 98-100 % chance of being " pre-approved '' for their credit cards and am subsequently denied every time on these hard inquiries. I have upwards of 15 denied credit inquiries, which I've attempted to dispute with my bank, XXXX  and American Express. An XXXX phone service agent admitted to me that their website can be deceptive in terms of having people apply for a credit card and the likelihood of being approved. I need these inquiries to be removed and XXXX  should be investigated for their unethical and misleading phone agents. I would these inquiries to be removed from my credit file so I can improve my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 4 letters and an FTC report please update my personal information and delete the accounts which are fraudulent and the ones reporting errors and inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from Specialized Loan Servicing Company. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what Specialized Loan Servicing sent to them.
Product: Credit reporting or other personal consumer reports

This credit card information is incorrect. It was not made by me Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions gave caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

The email uses an incorrect address for a state I have never lived in, and the wrong middle initial. I have no idea of the company they represent or what they are scamming. I [ think this is an utter scam and I'm not clicking any links. I have saved PDFs of the email and the raw data of the email as well. 
Not me : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX TX XXXX They claim this is their online address in the raw email : Visit Us Online ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They call themselves : XXXX Physical Address : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Office Hours : Monday through Wednesday XXXX to XXXX, Thursday XXXX to XXXX, Friday XXXX to XXXX ( ET ).
Product: Mortgage

I have been trying to refinance with Quicken Loans since XXXX/XXXX/2015 the process has been a painful one. they have been disrespectful, changing my numbers ( the good Faith estimate ) XXXX times even on the day of the closing. In addition to all of that, I did the so called closing on XXXX/XXXX/2015 and I signed all the papers including the HUD. They called me today XXXX/XXXX/2015 saying my closing is cancelled and I have to re -close.
Product: Mortgage

PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT NOS. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint.
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. 

These are the following Accounts : Department of Educations/XXXX XXXX XXXX Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account 15 USC 1681 Section 602A, states I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section states, no consumer reporting agency my make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of reasonable cause to believe the information is inaccurate.
Product: Student loan

In XXXX, we were presented with the opportunity to consolidate my husbands student loans with mine, to reduce our monthly payment. Being that we were both XXXX, also going through grad school, with a XXXX, we thought this was a way to keep ourselves on track to eventually pay off our high student loans. We were in a situation where we had minimal income, a small family, and classes we still had to take to make a decent living wage as XXXX. We consolidated into a FFEL Spousal Consolidation Loan. Little did we know that by signing on that dotted line, that we would put ourselves forever in debt, with no possibility of receiving the Public Servant Loan Forgiveness available to XXXX  like ourselves. Once we conceded our loans to this now defunct program, we disqualified ourselves from many benefits other student loan holders have. Had we been told this, we never, ever would have committed to this. We have paid our loan religiously since then, and havent even taken a single dollar off the original principal value of the loan. We actually owe more now, over 15 years later, than we did the day we entered into the consolidation loan.