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

I sent in a dispute on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing
Product: Debt collection

AR RESOURCES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ND XXXX To : The Office of Registered Agent for AR RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed on multiple occasions to properly conduct and investigate/re-investigate errors on my credit report over numerous attempts sent to them by certified mail. Specifically failure to correct incorrect and unverified information. As of XX/XX/2018 the following bellow unverified/re investigate requests have not been properly made by Transunion XXXX XXXX This account was paid through XXXX XXXX   the previous bank that owned the account. I have asked the creditor and the credit bureau to provide physical proof of this debt on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being unverified. None of my on time payments are showing on this account. 

XXXX XXXX XXXX The payments on this account have been changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time Transunion says the account has been verified. Clearly it is unverified because the payment history changes every month. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Transunion has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that these specific and unverified information be corrected immediately!
Product: Debt collection

I found out the debt isn't mine and that XXXX XXXX admitted they made a mistake and that I wasn't on the lease as a renter I was listed as an occupant along with my XXXX daughter. I reached out to pro collect in regard to my debt the week of XX/XX/2023 they told me that if I get a written letter from the debtor ( XXXX XXXXXXXX XXXX XXXX that they will remove debt from me. I submitted the letter that XXXX XXXX provided and signed to pro collect via fax later that week around XX/XX/2023. They then informed me that they would need to speak with XXXX XXXX. After calling Pro collect they informed me that the debt is still owed even after XXXX XXXX forwarded me emails where she clearly provided the lease agreement and the letter showing and stating that I XXXX XXXX was not on the lease and did not have any signatures proofing the debt isn't mine. They just keep telling me this is all they can do. Last communication was XX/XX/2023. I just wonder how many other people this company is trying to force incorrect debt on.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the Credit agencies have reported a Bancruptcy on my personal area of my credit report. 
According to the law 15 US Code 1681 FCRA I wrote to the Bancruptcy Court and they wrote me back saying they do Not Report Bankruptcy.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and there are numerous addresses that I never lived at, seem to be Fraudulent, or are old and obsolete. Having all of these addresses on my report makes my credit profile look risky and hinders me from obtaining credit. The only Address that should be showing is my current address : XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX Please remove any other address from my report. I have included a copy of my driver 's license, Utility Bill and a copy of my social security card to verify my current address and identity.
Product: Credit reporting or other personal consumer reports

Hello, good day. I kindly ask that you treat this matter with the seriousness it deserves, as it has caused me significant stress and anxiety. I am a victim of identity theft, and my personal information was used fraudulently. As a result, there is an item on my credit report that I have no connection to and was never associated with. Following the guidance provided by TransUnion, I promptly filed a report with the FTC and submitted it to address this issue. Despite my efforts, this fraudulent item still remains on my report.
Product: Vehicle loan or lease

I paid my car off on XX/XX/XXXX. At the advise of the loan officer i was told that it would report as lien released within 48 hours or as soon as money shown as removed from my bank account. I was told by representative that she could make two checks by phone for total amount because the limit for each transaction was {$5000.00}. She drafted a {$5000.00} transaction and a {$3000.00} transaction. I was told that once the money was deducted from my account that i could get my lien released. XX/XX/XXXX i called back and spoke with a supervisor XXXX. I was told that it would take 11 day to verify funds before the lien could be released. He finally after being pressed agreed to see if he could get it done as promised. He asked me to email a copy of my bank statement showing sufficient funds to complete the transaction. I emailed it to XXXX. I received a document saying BMO Harris has no financial interest in my car. Its now the XXXX and the electronic release still has not been received by the state of Florida. I spoke with a XXXX XXXX tax collector who informed me that the lien was still in place. 
XXXX XXXX stated that there was nobody above him to complain to and that his supervisor was on vacation anyway and had no idea when shed be back. Only that i could not contact her. 
Spoke with a XXXX who claimed to be at the same level as XXXX XXXX. She confirmed that release of lien was no requested on the XXXX as states several times by XXXX XXXX. She stated that it was requested released a little after XXXX today after my 4 th call to XXXX .
Product: Mortgage

I have a heloc account with my rate as Prime minus 1.1 % When the Federal Reserve raised the rates, PNC followed suit. However, when the Federal Reserve lowered the Prime rate a couple of months ago, it did not lower my rate. My rate currently is 4.4 % and Prime is 5.25 % As a result, I have been paying higher interest rate for last several months.
Product: Credit reporting or other personal consumer reports

Experian is unlawfully reporting an unverifiable debt from XXXX XXXX XXXX despite my formal dispute under FCRA ( 15 U.S.C. 1681i ). While I did sign the lease, I never took possession of the unit, and there is no proof of occupancy, such as key pickup records, a signed move-in inspection, or utility bills in my name. Under FCRA, a debt must be fully verified and accurately reported, yet Experian refuses to disclose how they verified this debt, violating federal law. Additionally, under Louisiana Civil Code Article 2704, landlords are required to mitigate damages by making reasonable efforts to re-rent a unit before holding a tenant responsible for the full lease balance. The landlord failed to provide proof that they attempted to re-rent the unit, making the {$4200.00} accelerated rent charge potentially unlawful. A signed lease alone does not override legal obligations to mitigate damages, nor does it justify Experian reporting an unverified debt. 
Currently, Experian is facing a federal lawsuit ( XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX ) for FCRA violations due to its failure to properly investigate disputes and continued reporting of inaccurate information. This pattern of misconduct proves that Experian routinely disregards FCRA requirements, harming consumers with false credit reporting. I demand immediate removal of this unverifiable debt before pursuing further legal action.
Product: Credit reporting

The name XXXX XXXX is not and never has been my name!
Product: Money transfer, virtual currency, or money service

Coinbase illegally withdrew : {$120.00} {$35.00} {$20.00} {$20.00} {$10.00} All within minutes of each transaction taking place on XX/XX/2018. 
Coinbase acknowledged the issue but has yet to refund it nor will they refund any of the 5 overdraft fees of {$23.00} each. 
I've tried contacting them by calling, email, XXXX and XXXX. 
This needs to be a class action suit!
Product: Student loan

This private student loan originally started with XXXX XXXX during the financial crisis in XXXX and was changed hands several times until it landed with Navient. I have struggled financially for the past four years but have kept my account current ( for the most part ) under a six month interest-only repayment plan. I have had to use them consecutively in that time span to keep myself above water. Each time I come back after six months seeking either a better payment plan or something that I could actually afford this was the only option offered. Since having to utilize this program it has only ballooned my total principal. Again, there is no other payment option offered by Navient for this loan. So after, calling today XX/XX/XXXX and inquiring about any other options I was met with the same response. There is nothing they can do.
Product: Bank account or service

Signed up for a CitiGold Checking Account using targeted offer code XXXX. Upon completing the requirements for the XXXX bonus ThankYou points, I got a letter saying I had completed the requirements and that the points would be deposited. Well over 6 weeks after completing those requirements, I have not received the points.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there are inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, I did not even applied to them, it is stressing me out and making me anxious.
Product: Money transfer, virtual currency, or money service

i have a money transfer on my bank names Chase bank it was made two transactions first on XX/XX/XXXX {$360.00} and the second one {$240.00} on XXXXXXXX XXXX.I already reported this to my bank no ones gon na help me They told me report this to police i know my transactions and that one is fraudulent
Product: Credit reporting or other personal consumer reports

XX/XX/year> I am getting my Credit Denied it is very embarrassing due to my personal statement XXXX XXXX alert on Credit file.XXXX  has remove the XXXX XXXX fraud alert but XXXX XXXX XXXX and equifax has not its getting embarrassed getting denied and dont know why Im getting denied if cfpb has a fraud alert please remove it i see under a statement is say action may required under cfpb before opening my phone number is also Placed on alert, no news was sent my way, No email or text reached out to say, Instant denial, now a 30-day wait, Before I can reapply, must accept this fate.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCEWITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY AND ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Reporting information with actual knowledge of errors 15 U.S.C 1681 S-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. 

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 INSTRUCTION 15 U.S.C 1681C ( A ) ( 5 ) - THIS SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THAN RECORDS OF COVICTIONSOF CRIMES WHICH ANTEDATE THE REPORT MORE THAN SEVEN YEARS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY PLEASE REMOVE ALL PHONE NUMBERS AND ADDRESS FROM CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorizedaccounts on my credit report. I did not initiate these accounts, and I strongly suspect them to be the result of identity theft. I kindly request that you thoroughly investigate these accounts and promptly remove them from my credit report.
Product: Money transfer, virtual currency, or money service

Netspend, XXXX XXXX XXXX, XXXX, TX XXXX Bank Name XXXX, XXXX. Has sent me 7 XXXX  Debit cards with my address and someone elses name. This card states it has no cost to activate, no credit check and no minimum balance required and earn cash back offers with Payback Rewards. I did not request these cards and have contacted Netspend to ask where they received this request with my address. They advised they didnt receive it through a credit check and got it from another source, but could not be specific as to why its my address but not in my name. Each card had a different name, this is fraud. Ive requested the company tag, identify or indicate in their system any requests for my address are a fraud request. These started about a year ago. Ive also completed a fraud request through my states attorney generals office. They sent a letter to Netspend and received no response from them. They advised me to come to you. Within the last 6 weeks, Ive received another 4 cards. The company keeps advising me to disregard these cards. If I dont activate its just junk mail. I dont believe this, Ive requested my address be removed, this continues to not happen. Each request, I reject the card on the toll free number provided in the letter. Each time a new debit card number is different and I have to reject the card through their system. This company needs to stop. This type of marketing is fraud. Please help.
Product: Credit card or prepaid card

XXXX To whom it may concern : I would like to file a complaint against Bank of America, almost 2 years ago, I had, had a credit card account with them. I am XXXX, and in early XXXX I ran into a period where my illnesses were at a very low point. 

The balance that Bank of America is reporting to the credit bureaus regarding said account, I did not charge up. This balance was ran up by the bank with excessive usury charges and fees. 

The status dates that they are reporting to the credit bureaus, are inaccurate, in XXXX of XXXX, I had, had no dealings with them. 

Bank of America is intentionally placing false status dates onto my credit files, so as to further ruin my credit, and to re-age this debt, making it seem that the debt is from XXXX, and that is not true. 

They are placing 120 day delinquencies onto my credit files for, XX/XX/XXXX, as well as XX/XX/XXXX, when I had no dealings with them even earlier than the XX/XX/XXXX payment date that they are reporting. 

They want the account to look as though in XXXX, I was having dealings with them, and that is false information. 

I do not owe the {$770.00} balance that the bank is slandering my credit files with. As stated, that balance was ran up by the excessive charges, and fees that the bank has placed onto that account. 

Last year there were many phone calls that were made to my cell phone by a debt collector that did not verify this debt, prior to constantly calling and harassing me. 
I did not know why this person kept calling me, I later found out on my own, who they were after I had complained, and I learned that they were calling regarding this credit card account.
Product: Checking or savings account

On XX/XX/XXXX, and again on XX/XX/XXXX, a fraudulent charge in the amount of {$99.00} was posted to my account. After noticing these transactions and calling the institution, a temporary credit was issued while they continued to investigate. In mid-XXXX, I received notice that the temporary credit would be reversed, as these were determined not to be fraudulent. In a call placed to the institution on XX/XX/XXXX, reasons provided for the reversal were : ( 1 ) relatively low dollar amount / no attempt to drain the account and ( 2 ) repeated pattern of transactions. However, they failed to find suspicious the fact that {$100.00} is the minimum limit to set for account alerts. Moreover, when I questioned as to the shipping address on the invoices from the merchant for both of these transactions, the institution indicated it had not obtained said invoices. The institution used presumptive evidence rather than evidence specific to this case in making its decision. During this call on XX/XX/XXXX, I also indicated my desire to have this case re-opened for investigation, and the customer service representative stated that I would be receiving an email confirmation of that shortly. Now on XX/XX/XXXX, I have still not received an email.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in the recent data breach leaking my person information on to the dark web/
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to an account with Dept of EducationXXXX. Account XXXX. Upon reviewing my credit report from your bureau, I noticed discrepancies in the reporting of this account compared to other credit agencies. I believe the information reported may be inaccurate and/or incomplete.

Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate or unverifiable. Please investigate and ensure that the information reported is accurate.

Below are the inconsistencies I have identified : The reported account status varies between reports : Closed on some and Open/Never Late on others. 
Last payment dates differ across reports ( XX/XX/XXXX, XX/XX/XXXX, etc. ). 
Contact information for the lender is inconsistent between reports ( XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX ). 
One report lists deferred payments starting in XX/XX/XXXX, while others list the account as paid as agreed.
Product: Mortgage

Subject : FAILURE TO PROPERLY SERVICE MORTGAGE ACCOUNT Ditech Holdings : Bankruptcy Case XXXX - Ditech Holdings ACCT NO. XXXX XXXX XXXX Mortgage : XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, HI XXXX To Whom It May Concern : Over the past 6 weeks I have faxed several written requests to your customer service fax number filing a formal power of attorney notice for the subject property and requesting a copy of the appraisal associated with the mortgage. To date, I have not received the appraisal. 
Additionally, I have made several calls to your mortgage servicing phone number ( located in the XXXX and staffed by foreign nationals ) and have had a horrific experience. The wait time to speak to someone was never less than 30 minutes. I had to lead the service rep step by step through the Power of Attorney document that I had filed with you to ensure my contact information was updated to even get them to speak with me, even though the POA had been submitted weeks before. On two occasions the phone line went dead shortly after it was answered. In two instances I was assured that the documents would be emailed to me and they were not. In one instance, I insisted that the foreign rep connect me with a knowledgeable U.S. Ditech staff member to assist me. After assuring me that the call would be transferred to a U.S. staffer, I spent another 10 minutes holding on a silent line before hanging up. 

Please send me an electronic copy of the appraisal associated with this mortgage with out further delay. Send it to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, HI XXXX SSN XXXX
Product: Mortgage

MY MOTHER PAST AWAY  XXXX / XXXX / XXXX  FROM THAT DATE UNTIL  XXXX / XXXX / XXXX   DITECH  HAS REFUSED TO TALK TO ME BUT STILL SENDS BILL FOR MORTGAGE AND FOR INSURANCE THAT THEY BOUGHT IN MY NAME WITH OUT MY PREMISSION. I SENT ALL LEGAL DOUCUMENTS TO THEM BUT THEY KEPT COMMING UP WITH REASON OR ITEMS NOT REQUIRED BY THE STATE OF KANSAS TO NOT TALK WITH ME, WE WENT TO COURT AND BASICLY NOT HEARD. THE JUDGE KNEW THE LAWYER FOR THEM AND ALL THE LEAGLE DOUCUMENTS I PROVIED WERE NOT IN THE FINAL JUDGEMENT WHAT DID SATE THAT THESE WERE NOT PROVIDED BUT IF THE JUDGE WHO WAS THROWN THE CASE WOULD HAVE ACTUAL READ THEM HE WOULD HAVE SEEN THAT THE DOCUMENT WERE THERE. I FILED WITH THIS ORGANIZATION AND MADE A COMPLANT BACK IN  XXXX  THEY HAD DAYS TO RESPONED TO THE COMPAINT, ON  XXXX / XXXX / XXXX  I GOT A LETTER SAYING AGAIN WE HAVE NOT FILDED WITH THEM ANY DOUCMENTS SO THEY COULD NOT TALK TO ME OR MY ROOMMATE WHO HAS MY POWER OF ATTORNEY TO SPEAK FOR ME ( WE WERE BOTH LIVING IN THE HOME UNDER QUESTION ). I GOT A RESPONCE FORM THIS COMMISSION THAT ON  XXXX / XXXX / XXXX  THAT AFTER THEY REVIEWED THEY WERE NOW WILLING TO TALK TO  US . DURING THIS TIME THEY SOLD THE HOME. THE ONLY REASON THEY RESPONDED IS BECAUSE OF THIS COMMISSION AND THAT THEY LOST A CASE IN  XXXX  FOR DOING THE SAME THING.
Product: Checking or savings account

Ive been trying to close this account since XXXX. They keep reopening the account because of an automatic payment that keeps withdrawing. Ive tried stopping those payments multiple times however they keep attempting to debit from my account. 

I asked them on XXXX to stop the transactions as they are no longer authorized and they wont do it without a {$32.00} stop payment fee. Asked if they could expedite the account closure and they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mixed file. My credit report is showing mixed with my brothers credit report. It is making huge impact on both of our credits. Can not purchase a home or get an auto due to this reason. Extremely frustrating. Transunion has done nothing to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report, no consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 )