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

I have been disputing with XXXX, Transunion and XXXX 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year>XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$35.00}
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX XXXX and living beneficiary of the person/estate XXXX XXXX have sent this notice to inform you that due to various concerns regarding a lack of fair and inaccurate reporting on my person/estate credit report. Your organization has not been meeting their reasonable procedures in a manner that is fair and equitable and has now caused hindrance in my ability to operate in commerce. 

This inaccurate credit reporting is a misrepresentation of my person/estate XXXX XXXX XXXX Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to, as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I believe the consumer reporting agencies did not take the reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 
I, XXXX, XXXX XXXX XXXX XXXX XXXX and any and all derivatives ) am an indigenous aboriginal private american man and my person/estate is trust protected. 

Furthermore, I am aware that the Secretary of State records all business transactions under the Uniform Commercial Code. Ive received a financing statement from the California Secretary of State. Search Criteria shows NO RESULTS FOUND/NO UCC DOCUMENTS/LIENS FOUND. So why are you reporting debts that do not belong to my person? 

Not only is this consumer reporting agency violating several laws of the Consumer Credit Protection Act and the Privacy Act of 1974, but agencies are also violating the legal maxims that serve as the general principles/rules which govern the way in which equity operates. At no point was Equifax given any permission or had any authority to report these inaccuracies at any time.
Product: Vehicle loan or lease

I asked for Proof showing i owed the balance in question because i was told by my finance company my buy out was added in with my lease payments bc im on ssi. This company gave me 3 different amount on several calls after i complained about a late fee being added and they removed them. I have asked in from of the repo guy $ to get car back and was told {$670.00}. On XX/XX/20. Everytime i ask for something on their letterhead, they say i refuse to pay and they are not sending me anything. Everytime i call this company who without my consent bought my contract bc my company closed without notice. I found out from the news and the XXXX.
Product: Credit card

Billing Error amount of {$3600.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage co reporting an error of reporting 30 days late for XX/XX/2017 payment which never happened and the payment was made on time but XXXX/ mortgage co did not correct the error after several reminders. 

mortgage co is : OCWEN LOAN SERVICING LLC LOAN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Old account keep being added to my credit report with different dates each time, this time it shows that is was 2018 when this is not true.
Product: Checking or savings account

I made a previous claim with this company with Consumer Financial, and the company responded and sent a letter in the mail. The mail stated that they had to close my account to protect them. Here 's the problem. Before my account was closed, they blocked my access from logging into my account. I was still getting email notification, and was given a number to contact XXXX XXXX, but she never called back when a message was left. Recently I saw something in the mail that I owe them move because my account is overdraft, and if I do n't pay it by a certain time it will be sent to a collection agency. WHY CHARGE ME WITH AN OVERDRAFT AND FEES ASSOCIATED WHEN I COULD N'T LOGIN TO THE ACCOUNT BECAUSE I WAS BLOCKED FROM THE ACCOUNT, as per Fraud department. It would have been easier if I had access to my account, put money or went to the bank, rather than reporting to the consumer agencies that I overdraft my account, which had more than {$2000.00} in it when I had access to the account. This is fishy, and I will look for an attorney. This is cruelty.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX received my letter disputing errors on my credit report on XX/XX/year> and never responded to my request to update my credit report I submitted documents to support my claims and still no response. These unauthorized accounts and errors are hindering me from being able to properly utilize my credit effectively
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit on XXXX XXXX noticed I had XXXX hard inquiries XXXX on XXXX by XXXX that I did not approve. I was also made aware via email after having to change my password XXXX of my credit card accounts had been hacked and a new credit card was issued to someone that I did not approve. Under XXXX a hard inquiry was made by US Bank Card. I again did not apply for this. I received in the mail that afternoon a letter from XXXX XXXX about another credit card that need verification. I was able to contact them and let them know this was fraud. I received an email today from XXXX regarding an account I did not open and will reach out during business hours. I had a freeze put on by all XXXX credit bureaus and received an email on XX/XX/XXXX that someone tried again to hit my credit that was stopped. My email has been compromised and have to change the password often. When trying to setup an online account via XXXX XXXX they had changed my username and password and phone number. XXXX XXXX did help get that fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 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. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Product: Money transfer, virtual currency, or money service

I am trying to make a transfer from a Bitcoin 'Vault ' to a Bitcoin Wallet. The transaction is not allowed to go through, as it says there is another transaction in progress. 

The problem is that it is impossible to be any other transaction in progress. Any 'Vault ' transaction should automatically cancel after 48 hours ( as per their security rules ). The last time I made a transaction was in XX/XX/XXXX ( now XX/XX/XXXX ), hence, should be nothing currently in progress. 

I have contacted support, several times, and since XX/XX/XXXX they have stopped responding to my messages. The problem still continues ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate collection account listed on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX  Balance : {$190.00} Under the Fair Credit Reporting Act ( FCRA ), all information reported on a credit file must be accurate, verifiable, and complete. I have reviewed this account and believe it violates these requirements for the following reasons : 1. Lack of Validation : The debt collector has not provided sufficient evidence of the debts validity, as required under the FDCPA ( 15 U.S.C. 1692g ). 
XXXX. Incomplete Reporting : The reporting does not include detailed documentation, such as a signed agreement with the original creditor XXXX XXXX XXXX XXXX ), to substantiate the debt. 
XXXX. Possible Inaccuracy : I do not recognize this account, and its details are inconsistent with my records. 
I request an immediate investigation into this matter. If the account can not be verified with proper documentation within 30 days, I ask that it be removed from my credit report under FCRA Section 611 ( a ).
Product: Debt collection

Over the last 18 years I have been receiving letters regarding the payment of this debt. I was born XX/XX/XXXX the documents to this were signed 2 months after my XXXX birthday. The staff at the school told me I had to sign them because my parents were at work. I paid monthly even though I could not attend class as there was no one to teach the class I was the only student. Then the school closed, so I did not get to attend but for 1 week. I have been receiving letters with " Department of education '' listed as the sender since I was about XXXX ( 10 years after the document was signed ) after providing verification that I was under XXXX at the time, proof that the document signed was a XXXX XXXX loan ( not through the Department of Education ) and proof from the Department of education that they know nothing of this debt. Once received the company who owed the debt would close my case with them, then the debt gets sold and I have to go through this all over again. I am now being harassed by Action Financial Services, they continue to call my cell phone and even contacted me here at the Law Firm I managed ( XXXX XXXX is the Collector for XXXX XXXX I have asked them not to call my phone or work and explained again that I did not get to attend the school, it is not through Dept. of Ed. and I was only XXXX at the time. Then the letters started being mailed to my home, I received 10 in a 2 week period. The last one being a Department of Education letter stating " Notice of Proposed Wage Garnishment ''. I have called the Department of Education and spoke to XXXX who gave me the Case # XXXX she stated my student loans with them are current and all payments are received. She stated this company does not have anything to do with the Dept. of Ed and if I owed Student loans through them I would not have been approved for Grants/Loans that I currently have. She reviewed the documents from AFS that say " XXXX '' and stated these should not have been sent as Dept of Ed has nothing to do with XXXX Loans. She then referred me to Ombudsman through the Dept. of Ed. I contacted them Case # XXXX Spoke to XXXX who suggested that I do not give any information directly to this company as the " Proposed Garnishment '' document lists an address in XXXX GA which she states that phone number and Address has nothing to do with the Dept. of Education and due to the fact that my Student loans with them are Currently being paid it would be illegal for them to Garnish my wages for Student Loans. She then referred me to Consumer finance. I have provided all the information I can to these companies and they have continued to sell this debt regardless of it being from XX/XX/XXXX ( per their records sent to me ) when I was XXXX years ol.
Product: Mortgage

My wife and I established a trust in XXXX and requested to have our mortgage rewritten in the name of the trust. Our loan is with Lakeview which is owned by XXXX XXXX. 

We were asked to mail a copy of the trust documents to XXXX to begin the process. The paperwork was sent via certified mail on XX/XX/XXXX. We were instructed to call the company once the mail was signed for which was on XX/XX/XXXX. We were told that the mail couldn't be located and to call back in a few days. 

We phoned again on XX/XX/XXXX and were told by XXXX that another department needed to be notified to look for mail, and were instructed to call back in XXXX business days. 

Again, we called and spoke with XXXX on XX/XX/XXXX. We were told at that time to expect the loan to be rewritten by XX/XX/XXXX and to check back after that date. Apparently the paperwork is in their Special Loans Department since we're rewriting it for a trust. 

We called on XX/XX/XXXX and spoke with XXXX who said to call back later in the week. The loan wasn't ready. During a XX/XX/XXXX call, we were told that our case had been sent to their Escalations Department to investigate the delay. We were told that we'd hear from that department in 3-5 business days. We subsequently received an email on XX/XX/XXXX confirming the same. 

It is now XX/XX/XXXX, and we've not heard from the company. 

It should be mentioned that we did not choose LakeviewXXXX as our lender when we purchased our home 10 years ago. We worked with a local community bank who then sold our loan to another company which was later assumed by LakeviewXXXX. This is not uncommon, but people should ask their lenders if their loan will be sold before they sign.
Product: Credit card

I booked XXXX nights in XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, the purchase was made on XX/XX/XXXX via XXXX and was immediately cancelled. However, XXXX refused to refund any single XXXX and I started a dispute case in my US bank credit card. Credit card initially gave back my money but keep saying they were still investigating the case and eventually said the case was closed. But the dispute actually failed and I by chance saw it charged back to me of the entire {$480.00}. I'm disappointed with both XXXX and US bank credit card and will stop using either of them once this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian credit reporting services to report that XXXXXXXX XXXX XXXX representing XXXX XXXX XXXX XXXX or apartment complex report is concerning a landlord-tenant dispute and that this information should not be posted or included on my traditional credit report. 

As for the first dispute filed against this non traditional credit report, Esperian denied my request to remove this very negative information from my traditional credit report, and submitted information to me that the reporting company or agent confirmed the debt.

I filed a separate dispute on this same issue explaining to Esperian that this information is a landlord-tenant dispute and it should not be listed on my credit report, and that I have not agreed with anyone to post or use my rental history as part of my traditional credit report. 

Furthermore, this particular negative credit reporting was listed as a personal loan, but a most recent check of my Esperian credit report, this negative report has been put under the category of collections. Either way and irregardless of how this information is labeled, this negative information has no place being listed on my traditional credit report to be used to tabulate my credit score. Nor should this information be included on my credit report because of the central reason that landlord and tenant dispute are listed in non traditional credit reporting manners.

This negative information on my credit report has damaged my credit reputation in 2 areas : 1 ) it has caused my credit score to dip or go down by more than approximately 30 points, and 2 ) a potential creditor has already used this erroneous credit report information to deny me credit for a home loan to which this report is the major reason for the denial. 

I am demanding that this information be removed effectively immediately from my credit report reported by Esperian that I am aware of, and be deleted from the other 2 major credit reporting companies if this information is retain in a credit report with my name. 

Furthermore, this is a very heinous discriminatory act to which leaves me with no alternative but to complain about being racially discriminated against because of my race which happens to be tgat I am an XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXXXXXX XXXX Account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 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, credit repair services, or other personal consumer reports

Third Party Supplemental Information File Number # XXXX Date issued XX/XX/2023 Page 11 of 11 Rent to own I have not applied or applied for any rent to own. 
Transunion/the third party needs to provide by who of said application or lease to own contract of the legal entity of the said rent to own as on my credit file by the third party and the legal name of the third party inn regards of the said inquiry last 6 months Rent to own inquires all 6,9,12,24 months need to be removed or provide the said documents of the lender or private company to finance company documents of the said false information of the third party by them stating there legal name and address and phone number of such claims.

I'm filing a complaint with the US Attorney to this actions of third party with no info or address phone number or legal entity of the said third party as on my credit file in which Transunion is held accountable by listing this third party on my credit file with no address phone number or the provider of the said Rent to on or documents of legal binding contract by the third party/Transunion.
Product: Debt collection

I am not aware nor do I know of anything about this debt. I have no knowledge. All I know is I do not owe XXXX anything As I do not have an account with them. 

Original creditor : XXXX XXXX  ( XX/XX/year> ) Account # : XXXX Amount : {$740.00} Debt Collector : IC SYSTEMS Address XXXX XXXX  XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Mortgage

We have lived in our home for 17 years. We've had financial problems in the past, and did a few modifications over the years. Nothing was done about lowering our 9.125 % interest rate, until XX/XX/XXXX. It was lowered to 8.125 %. That made our Mortgage Payments go up by {$100.00} dollars, and stretched our loan to 51 years! We were waiting for my wife to be approved for XXXX, and she was approved in XX/XX/XXXX. Which will allow us to make our mortgage payments. We have a XXXX XXXX RESPA Loan, and we've had several mortgage servicing companies. The latest being DITECH. They have only hurt us when asking for lower interest rate, and adding our past due to the end of our mortgage. We needed help, not hurting us by, NOT lowering our interest rate. And adding large sums of money to the end of our mortgage.