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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my XXXX, Experian, and XXXX consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. 
PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS CAPITAL XXXX -- - AC # XXXX -- Date opened- XX/XX/year> I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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

This letter is regarding the account listed above, which you clam is a collection that i have with your company.I am requesting validation, made pursuant to the fair credit act section 605a 15 U.S. Code 1681C-1 Section 604 15 U.S. code 1681 b Section 605 b 15 u.s. code 1681 c-2 These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

After 2 days of going back and forth with XXXX associates at XXXX  Honda about the misrepresentation of availability of vehicles online ; I went into XXXX  Honda dealership on XX/XX/XXXX around XXXX with my husband to purchase a XXXX Honda XXXX Touring that I was told would be available. After I filled out XXXX credit applications online, I was informed that those were not the full credit applications that were required for financing. While going through the application I was also informed that a credit check through the a consumer reporting agency would be done and that was also a required step in obtaining financing. After the credit check and my credit score was below XXXX, I was told I would need a cosigner and I refused. I told XXXX ( sales associate/manager ) that a credit score was not needed to obtain financing and he refused to listen to me. I requested to speak with the financing department and after the same conversation I was told to leave and talk to an attorney because we were not getting anywhere and after filling out the XXXX credit application with XXXX XXXX ( XXXX department associate ) I was unable to get any print out information on who my credit application was sent to.
Product: Money transfer, virtual currency, or money service

Signed up for XXXX Payments and activated REI promotion which provided 20 % cashback. Made one purchase for {$100.00} on card associated with promotion. Purchased tracked, but at {$0.00}, and has never updated over a month later. Dozens of attempts to work with XXXX customer service have lead to a runaround and repeatedly asking for the same information or documents that have already been provided in the same email chain. Clearly unethical and fraudulent business practices, baiting and switching on an offer, then hoping I go away after running me around. Consumers rights are being violated by this quasi-monopoly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inaccurate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). In short Cash App ( Block, Inc. ) 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 the error resolution process under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX XXXX Credit Bureaus : ALL XXXX } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformati on in my credit file. I am specifically addressing the fraudulent information listed in my attached letter as a victim of identity theft ; SeeFraudulent Account Summary in my attached letter.
Product: Debt collection

On XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Ref # XXXX =. I sent a letter requesting verification and validation of the original debt and I have never heard anything since. I then looked at my credit report and found that another creditor the CBE group Inc former # XXXX for the same amount of money put a collection on my credit report. WIthout any notification or letter sent to me. during the same time period. They did not give me a letter or notification. This is a violation of my rights and notification.
Product: Debt collection

Eastern account systems did n't provide adequate verification for debt in question no documents were provided showing a contract or signature
Product: Mortgage

I tried to work a modification to the loan and I am being sued for foreclosure by an entity that is not or has ever been a creditor.
Product: Mortgage

Hello, on XXXX XX/XX/2020, I called Caliber Home Loans # XXXX about my escrow funds. Please note that my mortgage was paid off via a wire transfer on XXXX XXXX XXXX.Typically, wire transfer clear up in three business days between different institutions, which I contacted my new servicer, XXXX XXXX   and they confirmed that the transaction was cleared. I also verified with the county of XXXX XXXX, where my property is located and my taxes are up date and have the new servicer 's information. In addition, I contacted my hazard insurance company and they also have the new servicer 's information and my insurance policy is also up date. 

When speaking to several clerks and two supervisors at Caliber Home Loans they all dragged me along the same theory and avoided to provided an actual status of my funds. All they kept on repeating was 21 days. I find this egregious and deceiving practices towards consumers. I feel that I have the right to know the status of my funds and I also feel that my funds should be returned to me the soonest, not when some institution feels like doing it. They should have the power to hold my funds hiding behind some internal policy when all has been cleared on my account. I respectfully request an explanation.
Product: Vehicle loan or lease

I had a hard time answering the few questions regarding lease or finance because I don't know, or was the car new or used, again I don't know, I am writing to request your assistance regarding a loan with American Honda Finance Corporation ( Account # XXXX ). I believe that I am being held responsible for a loan that I did not personally incur or authorize. I have serious concerns about the legitimacy of this loan and would like to dispute it. Specifically, I believe this loan was fraudulently opened in my name when I was XXXX XXXX XXXX. 
To provide some context : when I was XXXX, I was dating my first boyfriend, and I suspect that he may have purchased cars under my name without my consent or knowledge. I believe the dealership involved in these transactions was aware of this and allowed these fraudulent purchases to happen. I have been unable to obtain information or documentation related to this loan, despite repeated requests to American Honda Finance Corporation. They have refused to provide me, or my father who is assisting me, with the necessary documents that would clarify whether I am indeed the party responsible for this loan. 
I respectfully request the following : 1. Copies of all contracts signed by me, including any documents related to the car loan ( s ) under my name including DMV forms, Dealer Buyer Order, the whole file.

2. Information regarding the auction of the car, including the proceeds from the sale and whether they were applied to the remaining loan balance. 
XXXX. A clear statement of my financial responsibility, if any, after the car was auctioned off. 

I am currently XXXX XXXX XXXX, and the burden of dealing with this situation is overwhelming, especially as my first boyfriend, who may have been involved in these fraudulent actions, was tragically killed XX/XX/2023. My father has been by my side throughout this ordeal, but we are both struggling to understand the details of this case. 


I would appreciate your urgent assistance in resolving this matter. If this loan was indeed fraudulent, I need to know how much I owe, if anything, after the car was auctioned. Your help in obtaining the necessary documents to prove my lack of involvement would be invaluable.
Product: Debt collection

I recently noticed a collection on my credit report for Experian, XXXX, and XXXX, but i am not familiar with this debt. I sent out letters on XX/XX/XXXX and XX/XX/XXXX asking for verifiable proof that this debt belonged to me. I asked for hard evidence that goes all the way back to the original creditor, and not verification from a third-party database. I just received notifications that the dispute was finished and the debt collector " XXXX XXXX '' was going to stay on my report, but i never received anything in the mail showing this debt belongs to me. This debt needs to be removed from my credit report according to the FCRA law.
Product: Student loan

I have a student loan from attending the XXXX XXXX of beauty. My loan was apparently sold to Transworld Systems Inc . I agreed a year ago to a repayment plan and they said after XXXX consecutive months it would come out of default status and be ready to return finance. Than I get a letter say my account non compliant I call and they are rude and say they sent me email etc to read sign up I make XXXX payments on the phone than I realize it 's a scam they add thousands of fees and you never come out of default. My account # with them XXXX their number is XXXX please help me they are lying crooks.
Product: Checking or savings account

I in GOOD FAITH signed up for a checking account & Credit Card from " Trust Bank '' to comply with the terms of a XXXX Dollar promotion. The promotion was for XXXXXXXX XXXX if an Checking account was opened, a Credit Card successfully opened and Direct Deposits of at least XXXX XXXX deposited into the account in 90 days. I am retired & on a Fixed Income, I have a pension of XXXX which XXXX deposited on the XXXX of Each Month. After meeting ALL Criteria Truist Bank which earned XXXX XXXXXXXX XXXX last quarter informed me that 1 of my last six months deposits SOMEHOW?? reached their bank on the XXXX  of the month thereby invalidating my claim to the stated Bonus?? I think anyone would agree this is NOT operating in Good Faith with the public. I pray you can assist me in this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter dated XXXX XXXX from NetPayAdvance.Com out of XXXX, XXXX  stating that I owe {$1100.00} for a recent loan they gave me. I received no money from them. I never asked for a loan. 

They sent me a text on XX/XX/XXXX stating " Great news! Your draw for {$600.00} was approved. If eligible we will attempt instant funding. Thanks, XXXX XXXX XXXX ''. I ignored text thinking it was a scam. 

I received another text on XX/XX/XXXX stating, " Your payment is pending. It takes 4 days to clear at which time your credit limit will be updated ''. I received several more text messages after that telling me I need to send them payment. I ignored the messages thinking it was a scam. 

I notified the company, and they transferred me to their fraud dept. Their fraud department emailed me a form that is asking for sensitive information I am not willing to give out.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX  ) XXXX XXXX  Florida XXXX TransUnion Customer Solutions XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I have filed multiple disputes relating to identity theft and fraud. I have attached a copy of my Identity Theft Affidavit ( see attachments ), yet TransUnion keep saying it has been verified and updated. 
Under the Fair Credit Reporting Act, specifically sections 1681n and 1681, TransUnion could be held liable for both willful and negligent non-compliance. That means if you continue to refuse to block these fraudulent accounts, after I have submitted a valid identity theft report, I can sue TransUnion personally for damages. These sections allow for statutory damages, punitive damages, and attorney fees. 

Fraudulent accounts : XXXX XXXX Account # XXXX opened on XXXX  XXXX XXXX  Account # XXXX opened XXXX. 
XXXX XXXX  Account # XXXX opened XXXX. 
XXXX XXXX Account # XXXX opened XXXX. 

By refusing to comply, youre willfully violating FCRA section 605B. Additionally, you may be in violation of 15 U.S.C 1682s-2 ( b ), which requires furnishers to stop reporting in accurate information after being notified of a dispute. This refusal could put TransUnion at risk for personal legal liability. I am prepared to escalate this with formal complaints to the CFPB, FTC, and even file a lawsuit directly against you for non-compliance. I submitted and resubmitted Identity Theft affidavit with all the documentation that was necessary. FCRA section 605B clearly states that all fraudulent accounts are to be BLOCKED from my credit report within 4 business days. 


Your involvement here could result in a lawsuit not just against TransUnion, but against you individually. I will pursue every legal remedy available to hold TransUnion accountable for the financial harm your non-compliance has caused me. 

A lot of supervisors dont know they can be held accountable for non-compliance. 

In addition, since TransUnion is stating the furnishers verified these accounts, I am requesting a detailed description of the investigation process followed by TransUnion regarding the disputed fraudulent accounts on y credit report pursuant to the FCRA 15 USC 1681 ( 7 ). Under section 15 USC 1681 ( 1 ), credit reporting agencies are obliged to provide a description of the investigation within 15 days of receiving a consumer dispute. 

FCRA 611 ( 15 U.S.C. 1681I ) to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at each bureau or delete all contested items in the initial CFPB complaint from the FICO report they maintain. 

P.S. I will be sending a notarized letter certified mail, to all allow my Attorney XXXX XXXX to communicate on my behalf. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been in contact with Equifax since XXXX on unauthorized inquiries on my credit report. I called several times as well as talked online and submitted proof ( i.e. FTC reports, etc. ) saying I did not inquire about credit. 

I do not have a mortgage or seeking one at the moment so why are all of these inquiries on my report? 

I asked for verified proof and to date have not received any. 

Equifax has lied saying they removed them and they are still here. I will be contacting legal as well as the attorney general. They keep sending stall letters asking for information I provided online, via mail and phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I became aware that I was a victim of identity theft. I reported my identity theft with the XXXX Police as well as the FTC. There were 3 fraudulent credit accounts opened in my name that I never opened and was completely unaware of. Since then, 2 of the 3 were disputed, investigated, verified as fraudulent, and taken off of my credit history. Those two were XXXX and XXXXXXXX XXXX XXXXXXXX. The 3rd fraudulent account was created through XXXX XXXX. I opened up an investigation with them in late XXXX to dispute. I had never heard back, and assumed from my rising credit score that is was also claimed as fraudulent. However, it appeared back on my credit report in early XX/XX/XXXX - that I owe {$9900.00} ( account XXXX  XXXX ). Then I tried to reopen the investigation ( case XXXX  XXXX ). However, I received a letter back on XX/XX/XXXX saying that my dispute was " previously investigated and resolved '' and they were " unable to to reinitiate the investigation. '' I request that this XXXX account and the balance owed is removed from my credit history as I never opened the account. It was opened as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

letters were sent to XXXX, experian, and XXXX with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

3 accounts from XXXX XXXX XXXX is reporting missed payments and this account was never missed any payments. The account was consolidated over 7 years ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Experian Re : Failure to Update Personal Information Follow-Up Dispute Report Number : XXXX Dear Sir or Madam, I am writing to formally follow up on my previous request for updates to my personal information on my credit report. Despite my initial dispute, Experian has failed to update or correct the information as required under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. This negligence continues to result in inaccuracies in my report, which negatively impacts my creditworthiness. 

As previously stated, the only accurate information for my file is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX All other addresses listed in my report are incorrect and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to update this information violates XXXX XXXX. XXXX, which requires the investigation and correction of disputed information within 30 days. In addition, it disregards Metro 2 guidelines, which mandate that credit reporting agencies maintain accurate and complete data. 

Actions Required : 1. Immediate Update : Correct my personal information to reflect my current address and remove all inaccurate addresses.

2. Confirmation of Compliance : Provide written confirmation that all changes have been made in compliance with FCRA and Metro 2 standards.

3. Updated Report : Send me a copy of my updated credit report reflecting the corrected information.

Please treat this as a matter of urgency. If these corrections are not made promptly, I will escalate the matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional remedies available to me under the law.

Thank you for your immediate attention to this matter. I look forward to your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX