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

Subject : Inquiry Regarding Unrecognized Credit Pulls Dear Teletrack, I hope this letter finds you well. I am writing to request clarification regarding several recent inquiries on my credit report that I do not recognize. 

After reviewing my credit report dated XX/XX/XXXX, I noticed the following credit pulls which I do not recall authorizing : XXXX XXXX - XXXX pulls XX/XX/XXXX ( Never inquired ) XXXX XXXX - XXXX pulls XX/XX/XXXX ( Never inquired ) XXXX XXXX  XXXX pulls XX/XX/XXXX ( Never inquired ) XXXX XXXX XXXX - XXXX pulls XX/XX/XXXX ( Never inquired ) XXXX XXXX XXXX XXXX pull XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge offs 1 pull I am concerned about these unrecognized inquiries as they may affect my credit score and overall creditworthiness. I kindly request that you provide me with the details of these inquiries, including the name of the requesting party and any relevant information regarding the nature of these requests.

Furthermore, if it is found that any of these inquiries were made in error or without my consent, I would appreciate your assistance in removing them from my credit report.

Please let me know if you require any additional information from me to assist in this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 

Statement of Pertinent Facts On XXXX the XXXX XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided TransUnion with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Additional evidence linking me to a data breach. 

Despite this, TransUnion failed to block the disputed items within the four business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. TransUnion 's response lacks transparency and contravenes its obligations under 611 to conduct a reasonable reinvestigation and provide documentation of its findings.

Legal Basis for Complaint 1. Non-Compliance with FCRA 605B Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. TransUnion 's refusal to comply with this requirement constitutes a direct violation of federal law.

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) TransUnion failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

XXXX. Precedent Case XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 

Summary of Noncompliance and Violations TransUnion inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, TransUnion failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many erroneous and unverified items on my credit reports with XXXX, Experian, and XXXX. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.
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 have caused significant inconvenience and financial loss, and I seek appropriate redress XXXX for these violations. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Sychrony/Walmart numerous times to pay off a past due debt. They advised that they can not accept payment because a 1099c has been issued in XX/XX/2016. They sent me the 1099c and I forwarded to all 3 credit reporting agencies and they confirm that Sychrony/Walmart confirms that the debt is valid and it has not been cancelled. I attached the 1099c along with my IRS tax statement that shows that the debt was cancelled. They are reporting that the balance due is XXXX but according to the 1099c the debt has been cancelled so no balance is due.
Product: Debt collection

call 4-5 times a day! 
XX/XX/XXXX@XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the number
Product: Checking or savings account

Ive been charged a lot of overdraft fees on things in my account when I had the money there and they didnt pay it but charged me all these fees days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus in regards to this matter and have received no response. There is fraud showing on my current credit report and it needs to be removed immediately. 1 loan account listed as XXXX XXXX XXXX XXXX XXXX  credit card with a {$26000.00} balance. I have attached my FTC report, listing the accounts as well. Please removed immediately!
Product: Mortgage

Last year XX/XX/XXXX my city replaced my sidewalk. The bill for the replacement was added to my winter tax bill which increased my taxes from {$87.00} to over {$1600.00}. I was well aware that this would cause a shortage in my escrow therefore increasing my payment per month. Upon receiving my escrow analysis statement I realized Loancare was still anticipating paying {$1600.00} the following year XX/XX/XXXX. I called and explained the situation at which time I was told to send in my tax statement to have this corrected. I sent in my tax statement, HIGHLIGHTED the tax amount and wrote ( with arrows ) what happened and to please adjust my tax collection and run a new analysis. A new analysis was ran but the tax amount was still set at {$1600.00}. I called again but there was an extensive hold time so I decided to leave it be for now and consider it a savings account until XX/XX/XXXX. Winter tax statements became available XX/XX/XXXX, I attached a copy of my XX/XX/XXXX statement requested my taxes be adjusted and a new analysis ran. The taxes were not adjusted AGAIN an analysis was ran and my account still shows I have a shortage. I called was transferred twice and was told I need to submit a written request. How many requests does it take to get this right?!
Product: Money transfer, virtual currency, or money service

I sold and delivered the XXXX item to the buyer on XX/XX/XXXX, Paypal did not release my money ( said within 24 hr upon delivery ) until today ( XX/XX/XXXX. 
I had a number of transactions with the same person in the past 5 years. The item was delivered withing 3 days and Paypal did not release my fund as promised " withing 1 day, '' I checked the reason, Paypal claimed to hold it until XX/XX/XXXX. This is consistent abusive behavior of Paypal, the company already charged the fees and continued to hold customers ' fund to make a profit. I sent a number of messages but never got a responses and Paypal doesn't provide or answer calls. This is an illegal action and must be stopped! 

Paypal Transaction ID XXXX
Product: Checking or savings account

I received a mailer from SunTrust Bank thanking me for opening a checking account along with checks and deposit slip with routing number and account number. I never authorized this. Then I called them and spoke with an agent who asked for the checking account number, which I gave her from the checks that were mailed to me, she then hung up the phone. This reminds me of what XXXX XXXX did so I wanted to file the complaint. I have attached a copy of the letter and checks and deposit slip mailed to me.
Product: Debt collection

Hello Today I received a call from ( XXXX ) XXXX. They were very sly about getting information out of me but would not reveal who they were or working for. I know under the Fair Debt Collections Act they must provide me with that. I did tell them not to bother me again. I googled the number but its not registered yet with debt complaints. So I typed in debt collectors in XXXX XXXX TX and I saw Portfolio Recovery Solutions on there and about 15 years ago I had a credit card that I couldnt pay and it was turned over to them to collect. So for 10 years they harassed me and I never answered them. I know they went past the statue of limitations. So today out of the blue they call me. Isnt this lawsuit worthy? Especially if they continue? I had that accident when I lived in Oklahoma. Also before writing you I tried calling that number but they do not disclose there name at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were satisfied as agreed, payments were made on full.. I took care of each of my accountsI am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an XXXX Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming.
Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Bank account or service

This morning at XXXX CST I received an email from XXXX of my Credit Cards - XXXX Bank for XXXX Credit that XXXX payments legitimately made from a joint banking account with Bank of America were advised unauthorized. The amounts are as follows : {$97.00} $ XXXX XXXX Bank for XXXX Credit they received the dispute on XXXX XXXX, 2015 from Bank of America XXXX I have proof that the individual that is making these disputes on the Bank of America account was also an authorized user on the XXXX Bank for XXXX XXXX account. This seems to be an on-going matter with Bank of America allowing payments to be disputed and not doing a proper investigation on this matter. This is a direct violation of their fiduciary duty and they ca n't allow payments to any vendor to be removed. I was an active user on the Bank of America account until XXXX/XXXX/15 - I have proof that I was an authorized user on the account that the disputes were coming from.This is completely affecting my credit and I should n't have to pay for something that was authorized. My ex became extremely abusive hence the reason why I removed myself from the account on XXXX/XXXX/15. I do not think it is fair that they are allowing this foolishness to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting 3 public records that I have tried to have removed. I contacted the US Bankruptcy court and they provided me with a letter stating they did not report this information to the credit agencies. After research I found out that XXXX reported this information. I have tried to dispute with XXXX and I have not had any luck getting this removed. As a result I have been denied a mortage loan. This inaccurate information causing me serious financial issues.
Product: Student loan

I was paying XXXX payment towards my school ( XXXX XXXX XXXX ) loans for a couple of months, then I rec 'd XXXX different letters with XXXX different addresses from Navient stating that I was late on them. This was a shock bc I was paying a little more than the minimum payments. Then come to find out my payments were only going to XXXX loan and not being applied to all my loans ; therefore I was late. Then I made XXXX big payment in hopes to be up to date, but then was notified I was late again bc the loan dates are different on my loans. Then I come to find out that XXXX loan payment is different and is not part of Navient but should be paid directly to the school. It has been most frustrating bc I am being told that I am always late and my minimum payment has ballooned up to $ XXXX/mos for Navient alone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Credit Report Dispute under 15 U.S.C. 1681 ( e ) To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed on my credit report, as per the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. Specifically, I have identified the following inaccuracies that I believe require correction : 1. Account Name : U S DEPT OF ED o Partial Account Number : XXXX o Date Reported : XX/XX/XXXX,, XXXX o Nature of Dispute : Identity Theft. I believe this account was opened fraudulently in my name without my authorization. 
As per the Fair Credit Reporting Act, I request that you conduct a thorough investigation into this matter and update my credit report accordingly. Under 15 U.S.C. 1681 ( e ), credit reporting agencies are required to investigate disputes within 30 days of receiving a dispute notification. 
To assist in resolving this issue, I am attaching the following documents : Please see attached Data Breach supporting documents. 
I respectfully request that you remove or correct this fraudulent information on my credit report immediately. Please provide me with the results of your investigation in writing and include any actions you have taken to resolve this matter. 
Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I recently pulled my credit report and noticed that someone has stolen my Identity and used my personal information to open and apply for credit in my name. I have reached out to the credit bureaus and companies to ask about these accounts and let them know that I am victim of Identity Theft and my personal information has been compromised and used to open these accounts. Below I have attached the accounts and information with them. 
1 : Account : XXXX  Date : XX/XX/XXXX Amount : XX/XX/XXXX 2 : Account : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Date : XX/XX/XXXX Amount : {$660.00} 3 : Account : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX  Amount : {$62000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my XXXX report on XX/XX/2022 from the same company elan financial. I did not authorize this company to run my credit report twice on the same day. It makes no sense for a bank to run your credit report twice on the same day, I was told that the same information can be used for XXXX days,. I need these inquires removed as they are a mistake and are in violation of consumer reporting laws.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXXXX/XX/XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB & Equifax. 

Please see this as a formal dispute yet again -- for erroneous activity on my credit report that is harmful to my credit profile. I have sent over 45 pieces of mail to Equifax this year. 

My most recent disputes were sent via certified mail XX/XX/2021 ( listed below ) in which Equifax has not responded. Equifax continues to lie to the CFPB and write me with delays only to state they have verified or contacted the company, but that is not correct. I have proof of their negligence to report accurately. Your company has closed complaints of mine with Equifax that still aren't resolved. 

Furthermore in the following stack of tracking numbers, I sent a complaint with a specific request for information from Equifax about the following GHOST collection ( picture attached ) which was removed 4 years ago, and suddenly resurfaced on my credit hurting my credit a few months back. This account was paid to the original provider before it was sold to collections. The resurfacing of this illegal collection activity not verified during the dunning period when I first challenged it and also previously removed by equifax is illegally reporting.Equifax has ignored my requests as to why, and therefore should be removed. 

Equifax has not furnished a reason or documentation that I have requested as for why the GHOST debt has suddenly reappeared. This has been disputed online 3 times, by mail 3 times, and over the phone 2 times. I WANT HELP with full legal resolution. 



USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX is reporting on my credit report that I still owe {$28000.00}. The truck was repoed in XXXX of 2023. Santander Consumer auctioned the truck off in XXXX of 2023 stating that the car was old and my remaining balance was now only {$10000.00}. Santander Consumer just recently mailed me a letter stating that {$540.00} was applied as an adjustment to my account because of a recent file review. They did state why the amount was applied to my account.
Product: Credit reporting or other personal consumer reports

I am deeply disheartened to find unauthorized inquiries appearing on my credit report this evening without any clear reason. I checked my report as usual, and suddenly there were discrepancies that werent there before. I tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I am extremely frustrated and urge you to thoroughly review the documents Ive sent so that I can put this matter to rest and stop worrying about it.
Product: Student loan

I have paid Navient since they were Sallie Mae and it seems like my balance has gotten higher. Im a single mom with two kids and a widow. I just dont know what to do.
Product: Credit reporting or other personal consumer reports

XXXX allowed 58 inquiries for fraudulent car purchase despite fraud alert on acct Equifax allowed 82 inquiries for fraudulent car purchase despite fraud alert on acct XXXX allowed 65 inquiries for fraudulent car purchase despite fraud alert on acct I called all 3 bureaus and asked they be immediately removed and filed a FTC report as well and nothing yet
Product: Mortgage

this bank own my loan and they hired Specilaized loan servicer to handle my mortgage the servicer are fraud and toy with me. send this creep to my property hide in the bushes and take picture of my property