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

I just view my Transunion credit report I came across Hard Inquiries that I didn't authorize nor recognize on my credit report. 
XXXXXXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXXs XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXX XX/XX/XXXX, XXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.
Product: Debt collection

Sunrise Credit service is reporting as a detect collection on XXXX when there has never been any contact or communication with this third party. No consent or authorization was given to share private source data information with this company. Advise company to cease and desist communication, collection activities and reporting based off federal violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that the following companies ran unauthorized credit inquiry on me..They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX , XXXX XXXX XXXX , XXXX XXXX
Product: Debt collection

I am writing to you with an escalating sense of frustration and anger regarding the fraudulent accounts tarnishing my credit report. It has come to my attention that my financial integrity is under attack, and I demand an aggressive and immediate response from your organization to rectify this appalling situation. I was the victim & Im not sure why the CRA is not complying with the law. 

I can not overstate the severity of this issue and the urgency it demands. It is both infuriating and deeply concerning that my credit report, a document crucial to my financial well-being, has been compromised by accounts that are unequivocally fraudulent. I insist that you unleash the full force of your investigative capabilities to scrutinize and obliterate these fraudulent accounts from my credit report posthaste. The extent of this breach requires nothing short of an aggressive, immediate, and unwavering commitment to resolving this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETED I need you to comprehend the gravity of this situation and the irreversible damage that inaccuracies of this magnitude can inflict on a person 's financial standing. I will not tolerate any further delays, excuses, or half-hearted attempts to resolve this matter. 

Should you fail to rectify this situation with the utmost urgency, be forewarned that I will not hesitate to pursue all available avenues to ensure justice, including reporting your negligence to regulatory authorities, engaging legal representation, and utilizing social media platforms to expose your organization 's lackluster response. 

Time is of the essence, and I expect you to treat this matter with the urgency and seriousness it warrants. I anticipate written confirmation of the removal of these fraudulent accounts within 14 days of your receipt of this letter.
Product: Debt collection

BYL Collection Service account # XXXX did not provide adequate verification for debt in question no documents were provided showing a contract or signature
Product: Credit reporting or other personal consumer reports

In accoraance with ine Fair Creait Reporting act. The List or accounts below nas violatea my rederally protectea consumer rignis to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As you are aware, Equifax experienced a significant data breach in 2017, which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes.
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 XXXX, Equifax and XXXX credit reporting agencies 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 XXXX personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX  opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax because I was reviewing my report as I am in the market to purchase a new car. I noticed when I shopped for my mortgage rate back in 2021 with multiple lenders, I received a hard inquiry for each one. I had 6 inquires in a 13 day window. I called Equifax because I was concerned about how this has impacted my credit score for my home and upcoming auto loan. I have read on multiple credit sites as well as Equifax 's own website, shopping multiple rates for a new auto and a mortgage loan will only count as one inquiry as long as its done in a certain length of time. I attempted to try the online dispute, but Equifax does not give the option to file for this reason. I tried calling and after receiving multiple unsatisfactory answers by multiple people, I kept asking to have my concerns escalated to someone in upper management. The last person told me they are not going to correct it and they will not keep going in circles with me, despite what is stated on the website. Below I attached the FAQ from Equifax 's very own website.

When it comes to credit scores, will I be penalized for shopping around for the best interest rate?

When a lender or company requests to review your credit reports as part of the loan application process, that request is recorded on your credit reports as a hard inquiry, which may impact your credit scores. 

However, if you're shopping for certain types of loans, such as a new auto loan or mortgage loan, multiple inquiries for the same purpose within a given period of time will usually be counted as one inquiry for credit scoring purposes. The period of time may vary depending on the credit score model ( the method used to calculate the credit score ) used, but it's typically from 14 to 45 days. This allows you to check different lenders and find the best loan terms for you.

All new inquiries will be shown on your credit reports, but only one of the inquiries within a specified window of time will generally impact your credit scores.

This exception generally does not apply to other types of loans, such as credit cards. If you apply for multiple credit cards, for instance, all inquiries will likely affect your credit scores.

I asked for confirmation the two incidents where I shopped for my auto loan and mortgage only impacted my score as one inquiry each time and they stated it still counted as multiple inquiries.
Product: Mortgage

Wells Fargo received an entire loan modification on XXXX XXXX, 2015. As of today XXXX XXXX, 2015 Wells Fargo Bank still has a Foreclosure Sale Date for XXXX XXXX, 2015. We spoke with XXXX XXXX of Wells Fargo Bank on XXXX XXXX, 2015 who verified that Wells Fargo hadreceived the documents on XXXX XXXX, 2015, XXXX XXXX stated that Wells Fargo tried to contact the borrower XXXX on the wrong telephone number ( XXXX ) XXXX, despite having the correct telephone on the RMA and the authorization submitted ( XXXX ) XXXX XXXX. 
Wells Fargo is stating that XXXX items were missing from the submission, however, they have never identified what those XXXX items were. When asked did a letter go out, XXXX XXXX says a letter went out on the XXXX of XXXX 2015. However, when speaking to XXXX XXXX of the office of the President he says no letter went out. Therefore, Wells Fargo chose to ignore the submission for the purposes of foreclosing on the borrower, otherwise they would have contacted the XXXX party or the correct number on the RMA which is a legaldocument.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I first disputed XXXX XXXX XXXX Acc number XXXX on XX/XX/year> sending it Transunion and XXXX XXXX XXXX. In accordance of 15 USC 1681a ( permissible purposes ) Intend to use the information in connection with a credit consumer on whom the information is to be furnished and involving the extension of credit. In 15 USC 1681I dispute complete accuracy of my report. On XX/XX/year>, I sent another debt validation to XXXX XXXX XXXX XXXX mail and it was sent back. Im now questioning how did Transunion and XXXX verify and validate debt, with me the consumer not getting any document from debt collector in 60 days. I will sent a pre-arb letter to Transunion and XXXX with evidence of each violation which is XXXX dollars each.
Product: Mortgage

i got behind on mortgage due to loss of employment. got a new job and tried to make a payment but wounld n't except anything but the full amount. evrytime i would calll them over the next XXXX months i would be quouted a different amount. received a notice of XXXX from the parish th efirst week of XXXX. called them again XXXX times in the next month and recieved XXXX different qoutes each time.Would not take payment over the phone. asked for the reistatment letter to be sent to me on a friday. they were suppossed to overnight it. whenit wasnt here by thursday i called again and they sent it out. recieved tthree letters, 2 said XXXX and one jumped up to XXXX if i could have recieved the right number i could have saved money for that number. now my house is for auction on XXXX XXXX i thought i would have the money before then if i would have been told the right amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Equifax data breach of XXXX, that became public knowledge in XXXX. I submitted a claim to have either a claim check for {$120.00} sent to me, or a year of free credit monitoring. Naturally, i opted for the {$120.00} check, however i never recieved that check, nor did they monitor my credit. 
Attached below is my claim documents, including date submitted. 
Im asking for 3 things : 1. A check for {$120.00} sent to my current address Recently, i have been trying to purchase a vehicle, however i cant get financing because inaccurate information-which if Equifax was doing their job could have prevented-on credit report, every lending agency has turned me down. Therefore ... 

2. I want these items removed from report immediately : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  ( I, along with my mother who was the co-signer, called XXXX XXXX  several times to try to set up payment arraignments. Each and every customer service representative was extremely rude and unprofessional and stated that no payment arraignments would be made and they wanted the remaining balance of loan to be paid IN FULL or they were going to reposses the vehicle. As a last ditch effort and a show of good faith, my mother and i sent checks to pay on loan. The checks were immediately sent back. Both my mother and i made every attempt to bring that car loan back in good standing, and was rejected everytime. ) 3. In lieu of {$120.00} check, i will accept as a satisfactory resolution, the deletion of those 2 items from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has two addresses on my credit report that have never been mine. 
XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX   XXXX MO XXXX. I have never lived or owned either of these addresses. They are also showing two accounts that were 30 days late in the past. Both of these accounts were paid through auto bank draft before they were ever late. XXXX XXXX**** is showing a 30 day late in XX/XX/XXXX and XXXX/XXXX is showing a 30 day late in XX/XX/XXXX. I have tried to resolve with letters but they are still reporting incorrect.
Product: Credit reporting or other personal consumer reports

Onemain appeared on my credit XX/XX/year>2023 and XXXX XXXX, 2023. I did not give permission for one Main to run my credit on those dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to a complaint I submitted to the CFPB on XX/XX/XXXX. XXXX. Complaint number XXXX. 
I insisted that they remove the following accounts they have been investigating since XX/XX/XXXX. And provided a certified recipe from the US postal service as evidence. XXXX XXXX account ending in XXXX, XXXX XXXX ending in XXXX and also XXXX account ending in XXXX. 
In their response letter from an intern, they stated that they are in the process of reinvestigating. 
I appreciate the timely response, However I did not request a " reinvestigation ''. I requested that they follow the guidelines if the FCRA. Specifically the one that states that a reporting agency has to review and respond to a consumer 's dispute within 30 days. If the review isn't completed, the disputed item or items must be removed from their credit file. 
Instead of following the rules, Experian is willfully attempting to violate my rights as a consumer by extending investigation process to over 150 days.
Product: Credit card

Care credit charged me a late fee because an electronic payment that was transmitted well in advance of the due dat ( XXXX a Sunday ) was not timely credited.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

its the data hackers that try to think Im XXXX  : FCRA violations : see the attachments for proof in the pudding : Account name XXXX  Account number XXXX Account type Education Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. 



XXXX XXXX Account number XXXX Account type Business Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX M XXXX Do you see information you believe to be inaccurate? 
Start a dispute Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type -
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for filing this complaint with your agency is to request your assistance in resolving the issue TransUnion Consumer Relations refusal to accept my request for investigation mailing my complaint form by U.S mail. They stated in a document I received through XXXX XXXX that my dispute must be submitted using TransUnion website or they will not investigate. I am requesting your assistance in helping to investigate the issues and violations into the refusal and retaliation against to reject any request.
Product: Checking or savings account

XX/XX/2023 reported unauthorized charges on my account alerted fraud. {$1700.00} and XXXX XX/XX/2023 reported unauthorized charges on my account fraud {$400.00} Wells Fargo credited amounts than 30 plus days later decided to freeze my accounts and overdraw my account and refuse to investigate. Then they closed my account ( 13 year customer ) refused to honor {$47000.00} cashiers check Wells Fargo called Adult protective services on me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was supposed to receive a payment of approximately {$620.00} in my XXXX XXXX for selling bitcoin on coinbase. Coinbase.com has been unresponsive so far about the missing payment. They shut down their phone line and are no longer taking calls. 

In my account history it says the payments have been complete. However if have not received my owed money yet from them. They have been completely unresponsive so far. 

The transactions are as follows : XXXX XXXX - Checking {$4.00} USD Completed XX/XX/XXXX XXXX XXXX XXXX - Checking {$610.00} USD Completed XX/XX/XXXX So far I can not reach anyone at coin base. I 've tried calling, submitting claims, and messaging support via XXXX. They have stonewalled me so far
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few unauthorized adverse Navy Federal credit union accounts on my consumer report. pursuant to 15 USC 1681b ( 2 ) -permissible purpose no consent was given. 


XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. 

In certain cases the errors were significant enough the differential was at least 25 points for around 300,000 consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. 

it appears that I maybe one of the victims as these accounts was not authorized or no consent. I want the suspect accounts removed from my consumer report and XXXX provide me with a confirmation numbers for every account mentioned here. 

Please send me my consumer report showing the deletions as proof or evidence. 

The accounts to be removed are two Navy Federal charge off adverse accounts on my credit report. Please remove them and provide confirmation number for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over 100 points because XXXX is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I transferred {$1000.00} from my PayPal account to my son 's PayPal account.

When my son tried to access the money in his PayPal account he was unable to.

We contacted PayPal resolution and they said that they flagged this transaction as suspicious and froze the money in his account.

They said that it looked to them that I was buying something from him but they was no merchandise delivered. Also because I transferred {$1000.00} to his account and they saw it as a transaction, he only received {$970.00} in his account ( 3 % plus 30 cents deducted ).

Although I've had a PayPal account for many years, this is the first time I attempted to transfer money with it. I typically only use this service to buy merchandise online.
Maybe I made a mistake by the way I transferred the money?

Anyway, the money has been frozen and although I've explained this to PayPal multiple times they refuse to unfreeze the money.