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

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These following accounts are fraudulent and need to be blocked and deleted.. 

XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : 66 {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!!

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code
Product: Debt collection

original debt was with XXXX money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.
Product: Money transfer, virtual currency, or money service

I attempted to transfer funds to my personal local bank and close account but the website will not allow me to do it, thus, I got on chat. attached is my chat screenshots as they continue to refuse to make a transfer or wire from my account to the bank I requested
Product: Credit reporting or other personal consumer reports

My identity was used to open accounts and after reporting this issue the bureaus seem to not have removed these collections and other inquiries off my credit report. 
They are in violation of 15 US Code 1681c-2 and 1681b. My information was sold to third parties without consent by consumers who seem to not be able to provide signature verification on consent.
Product: Consumer Loan

I take care of the finances in our household and I have most bills on autopayments. I was informed by my husband two days ago that he received a call from Nissan Finance that our bill was past due and would be sent into collections. I told him that this bill has always been on auto-payment and I am supposed to be the contact. I could n't understand why the auto payment would have stopped ; there is more than enough money in our account to cover the amount due. My husband is currently across the country on business and said he did n't know and did n't have time to speak to them, as he is at an important business convention. I told him I would go online and look what happened. Next day I went online and tried to login with our username and password. It did not work and prompted me to reregister on the website. I attempted to reregister on the website, but I do not have our complete account number, since we have not recieved any bills mailed from them. My husband then called again and said that they had been calling again, and told him that they have a new website so we had to set up new recurring payments and now our payments are two months past due and they told him they have already but a ding on his credit report. WE DID NOT RECEIVED ANY MAIL, EMAIL, PHONE CALL OR OTHER REGARDING THIS CHANGE THEY MADE TO THEIR WEBSITE. We do n't feel that we have been given proper notice or time to pay our debt before it was put on our credit report. It would have been taken care of immediately had we just been notified. However now we have this blemish on our credit report as well as many fees for something that was not properly communicated.
Product: Payday loan, title loan, or personal loan

apparently it was turned over to oracle financial group who called my husband XXXX told him they could take our car if we didn't pay over XXXX dollars to them. he paid XXXX and they said it was not enough they would call at later date for more
Product: Bank account or service

I was owe money and the women owing me money sent a check via usmail to my address in XXXX. The address was not completed right and I never recieved it. Contacting her she told me the check was written on the XX/XX/2016 and was cashed the XX/XX/2016. She contacted her back and they sent me a copy of the check. I recieved a copy of the check with some scribble on the back which I assume is an endorsement. It has no other Id on the check. I never recieved it or cash it. I called the bank to advise them of this and to open an investigation. help. Thank you
Product: Credit reporting or other personal consumer reports

This a formal complaint regarding inaccurate information on my XXXX credit report, which violates the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is causing significant harm to my creditworthiness and financial stability, and despite my efforts to address it, the issue remains unresolved. 
Specifically, the account in question is reported under " National Credit Adjusters '' with the original creditor listed as " XXXX '' and an account number partially displayed as " XXXX ''. The reported balance is {$870.00}, listed as past due as of XX/XX/XXXX. However, there are factual inaccuracies associated with this account : Date Opened : The account is reported as opened on XX/XX/XXXX, but I have no record of initiating such an account or transaction on or around that date. 
Status Details : The account is labeled as " Collection account, {$870.00} past due as of XXXX XXXX, '' but the reported " date opened '' and payment history are inconsistent with my financial records and do not accurately reflect my payment activity or obligations. 
Account Validity : This account is currently disputed, as indicated by the comment on the credit report. However, the report fails to reflect whether the debt has been properly validated by the debt collector as required under the FDCPA. This omission misleads creditors and violates my rights under federal law. 
The inaccurate reporting by XXXX and the debt collector, National Credit Adjusters, has a material impact on my credit profile and could prevent me from accessing credit or financial services. Under the FCRA, both credit reporting agencies and data furnishers are obligated to ensure maximum possible accuracy in credit reports, and this standard has clearly not been met in this case.
Product: Debt collection

I wrote a letter to the collection agency agreeing to settle the debt if in return they remove the account from my credit report. They sent me a letter back stating that once the check/funds cleared they would remove it from my credit report. The Funds cleared on XX/XX/18. In my letter I requested that it be removed from my credit report within 10-15 days. This account is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request your assistance in providing me with accurate and complete information regarding anydelinquency or derogatory behavior associated with my credit report. It is important that the informationreported follows all established laws and standards. I understand that negative information can be damaging, which is why I am requesting that you confirm any potential negative information reported. I value transparency and would like to know the absolute truth and facts. I believe that the report you provided may not be entirely accurate due to the lack of evidence supporting some of the claims. 

To ensure the integrity of the data, I kindly ask that you follow the Metro 2 data field formatted reporting standard. Could you please provide me with a document that shows all the evidence for each claim? It is important that this document is verified as correct, complete, and true. According to the 2020 CRRG, any deviation from these standards jeopardizes the integrity of the data. I understand that mistakes can happen, but I want to ensure that the reporting process was done correctly and that the format is correct. Therefore, I can not confirm the accuracy of your claims until I receive sufficient evidence. Thank you for your cooperation in resolving this matter. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Collections Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Funding Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, XXXX failed to notify all 3 major Credit Bureau ( Experian, XXXX  and XXXX  ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! XXXX sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file SYNCB/TJX CO Dual card XXXX bank hard inquiry on XX/XX/2021 ( reporting to XXXX ) XXXX and as a result I would like this inquiry to be removed from my credit file to adequately reflect my true score. 

There were no actions taken by the company, they requested the CFPB provide them with my name and telephone number to further research this case.
Product: Checking or savings account

On XX/XX/year>, I received an email from Chase bank regarding a wire transfer transaction confirmation on my account. Upon looking at my account history, a fraudulent wire transfer was made to XXXX in the amount of {$4200.00}. 

Let it be known that I had my checking account with XXXX for at least XXXX years, and I have never made a wire transfer. Additionally, with a wire transfer never been completed on my behalf, and for a lump sum amount that I do not spend out of my checking account, I never received a call or text message from Chase regarding a potential fraudulent transaction being made on my account. 

I filed a fraud claim with Chase Bank ( Claim Number XXXX ) on XX/XX/year>, as well as had my checking account cancelled, and a new checking account opened. 

On XX/XX/year>, I called the Chase Bank and spoke with a representative who indicated that the claim has been denied for the reason of " no account takeover ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing problem. I will continue to submit complaints until enforced. SLS negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between SLS, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? Specialized Loan Servicing is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against Specialized Loan Servicing and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New  Mexico Court Order, the order states the " mortgage and note are unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense Specialized Loan Servicing
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( e ) ( b ), I am requesting that the charge-off listed on my report be investigated and removed, as it is not accurate or complete. 

The charge-off in question was reported by XXXX with an undisclosed account number. Upon review of the relevant documentation, I believe this account has been reported inaccurately for the following reason ( s ) : Once this account was paid and charged off in XXXX of XXXX, both XXXX and XXXX removed the charge off IMMEDIATELY. Transunion, however, has not removed the charge-off. ( SEE ATTACHED DOCUMENTS ). 

The FCRA requires that all information reported to the credit bureaus be accurate and verifiable. Under Section 1681 ( e ) ( b ), I request that you reinvestigate this entry and correct any inaccuracies. If the information can not be verified as accurate, I request that this charge-off be removed from my credit report in accordance with the law.

Please provide me with a written confirmation of the outcome of your investigation, as well as a copy of my updated credit report reflecting any changes made.

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

XXXX XXXX amount {$220.00}. This is not my account. I have disputed with XXXX, XXXX, and Experian and the company who says it's my debt and never heard back. The credit agency says it mine but I have no knowledge of this account.
Product: Debt collection

So at XXXX I received an incoming cal on my cell from ( XXXX ) XXXX  the female on the phone Identified herself as being with Checksmart Corporate office. I don't believe she even provided her name. But she did verify my personal information for her. The call started fine but when I advised her that I would not be able to pay anything by the end of the month she started to raise her voice in what I could only describe as frustration. She advised in a punitive way that calls would continue, advised judgment and wage garnishment. I advised her that I would like the address to send a Cease and Desist letter she advised I couldn't do that because customer service was the only department that could do that. I advised her that I would like to speak with a manager at which she acknowledged and then I can only assume she hung up. I called from my cell at XXXX XXXX to the number ( XXXX ) XXXX and I got the same female I had spoken with earlier which she only identified herself as corporate office and never identified herself. I advised that I didn't appreciate being hung up on at which she responded that she had mistakenly disconnected the call. I advised her that she works on the phones for a living you think you would not have that problem. To which she responded angrily and I had at this point asked for a manger a few times and she hung up on me again. I called again from my cell to the number ( XXXX ) XXXX at XXXX XXXX and this time I spoke with a male XXXX who I verified my personal information. I spoke with him about the abusive behavior I experienced with his coworker. He advised he sat next to the female I was having issues with and at that time provided her name as XXXX and proceeded to make the excuse that there has been phone problems. I advised him that I was interested in sending in a Cease and Desist to which he responded with getting it processed immediately. XXXX was very helpful in resolving the Cease and Desist issue in a professional manner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) Account # XXXX has violated my rights. 15 US 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 write instructions
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States i have the right to Privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.
Product: Credit reporting or other personal consumer reports

The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents. 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 1681 c. ( a ) ( 5 ) 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 crime 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 if the person knows or has a reasonable cause to believe that the information is in accurate
Product: Checking or savings account

I opened an account with Robinhood on XX/XX/2022 in response to a new account promotion with a deadline of XXXX XXXX time that day. I received an email that day confirming that my account had been opened and I subsequently fulfilled all other criteria to receive the promised {$600.00} bonus. 

Robinhood has refused to pay out this bonus, claiming that my account was opened on XX/XX/XXXX and thus ineligible. Additionally, Robinhood gave no prior indication of this decision until after all conditions had been fulfilled, including having assets with them for multiple months. However, reaching out to Robinhood customer service has resulted in agents on their end confirming that this is an issue with their backend system not correctly interpreting the terms of their promotion - Robinhood agents have confirmed that my account was actually opened on XX/XX/XXXX, XXXX time. 

The promotion terms can be seen here : https : XXXXXXXX XXXX The promotion explicitly states that the deadline is in XXXX XXXX : > Offer Period. This Offer is available starting on XX/XX/2022 at XXXX AM PT and ends on XX/XX/2022 at XXXX PM PT ( Offer Period ). 

In my most recent attempt to resolve the matter, Robinhood has stated that the determination of my account being opened on the XXXX, and thus being ineligible, is final and refuses to discuss their agent 's determination that it was opened on the XXXX, and thus eligible. Once Robinhood elects to move the support discussion to email, all of my messages are summarily ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunio n Credit Inquiry Issue  These inquires where deleted from my report last year and now they are visible Transunion refuses to take them off   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 or other personal consumer reports

A collection account showed up on my credit report. I contacted XXXX XXXX XXXX to find out why. I was informed that the {$380.00} collection was for XXXX XXXX I have paid that card off on October 1s, 2023 and closed the account. I filed a dispute with all three credit agencies. All three did not fully investigate this dispute to discover that this debt was paid more than 20 days before XXXX XXXX XXXX received the collection account on XX/XX/year>. All of this information remains on my credit report.