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

I reached out to all 3 credit bureaus after initial contact with the creditors to correct issues and fraud on my reports. I have not received a thorough investigation on who the suspect behind these charges are, as well as the validity of the charges. I have been a victim of extreme fraud and ID theft in which has caused me several denials and undue hardship for the past 3-4. years. I have sent in my ID, police reports, notarized statements, alert letters that all of my personal information has been sold on the dark web, etc to no avail. 

I was able to get a few things rectified but there are still some very huge amounts of debts that I did not create that are still on my report. I have disputed several times for the last 8 months and the CB 's have done nothing but ignore my claims with no proof that the fraud accounts are mine. Please see the following information from each of the credit bureaus and the accounts in question : XXXX XXXX- An illegal re-insertion placed on my account for a XXXX fraudulent loan that was previously deleted. IAW with the FCRA 623 ( a ) there are quite a few things that the bureaus have failed to correct on my file, to say the least. 

XXXX XXXX-Verified account but I've never missed a payment. Account in deferment due to COVID-19 at  the moment but should not account for it being late. Contacted creditor and verified the error. Bureau notified ( supposedly ) and should have corrected this oversight on their end. 

XXXX XXXX- I have never had an account with this company and have requested numerous times for the investigation of this from both the bureaus and creditor. I have received nothing. Therefore, as there is no proof of ownership, it must be removed IAW FCRA 623 ( A ). 

Transunion- Utility bills- XXXX/ XXXX XXXX ( Online Services ) that have been charged to my account under collection status in a geographical location that I don't even live! I reside in California and we don't have XXXX here, nor do I live in a home that a security system is installed such as XXXX. 

XXXX- Fraudulent. I do not own a credit card from XXXX, only XXXX and that account has been verified as accurate. 

XXXX XXXX XXXX ( Online Services ) that have been charged to my account under collection status in a geographical location that I don't even live! I reside in California and we don't have XXXX here. 

XXXX XXXX- Fraudulent ; again, I only have ONE credit card. This is not my account. 

XXXX XXXX-Verified account but I've never missed a payment. Account in deferment due to COVID-19 at  the moment but should not account for it being late. Contacted creditor and verified the error. Bureau notified ( supposedly ) and should have corrected this oversight on their end. 

XXXX- Fraudulent. I do not own a credit card from XXXX, only XXXX and that account has been verified as accurate. 

XXXX XXXX- I have never had an account with this company and have requested numerous times for the investigation of this from both the bureaus and creditor. I have received nothing. Therefore, as there is no proof of ownership, it must be removed IAW FCRA 623 ( A ).
Product: Debt collection

In XXXX of 2021 I purchased a home. This home was purchased through a consumer credit transaction. I do not recall such loan or alleged debt from this company.
Product: Student loan

Nelnet, who services my loan, contacted a reference I had listed regarding my address. The company has my phone and email address. I do not understand why a reference would be contacted to confirm my address. I contacted the company and asked them to not contact my references again given that they already had a way to reach me. Nelnet 's contacting of a reference has caused me significant personal embarrassment. I send a payment to Nelnet every month. I am very upset and concerned about the company 's behavior in this matter.
Product: Money transfer, virtual currency, or money service

This company, PayPal, has been a pain with me all week ( culminating in horror today, Friday, XX/XX/2019 ). They limited my account and restricted me from doing anything three times just because I was a victim of a fraud and had to dispute a transaction. They are making me afraid to dispute other transactions that are not legitimate on my account. I have a little bit of money in the account and want it OUT but I was told that I could not get it out for 5-7 days, and the only reason is because their website was broken and the first time I tried to transfer it did not work, and then I tried " too many times '' so I will not be " allowed '' to get my money out. You should see my saved chat transcripts with one of their support representatives, it is unbelievable. At this point, I just want them to correct my disputes caused my identity theft ( a report with the FTC has been filed ) and I want them to let me transfer my own money to my own bank accounts without giving me potentially illegal excuses that make no sense. 

I have attached additional information. Beyond that, there is much more information ( more police reports and such ) available upon request.
Product: Consumer Loan

We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate.
Product: Money transfer, virtual currency, or money service

Robinhood has refused to release my funds to me upon deactivation of my account. They are holding XXXX my money and I have already submitted identity verification twice now and my bank info has also been verified.
Product: Money transfer, virtual currency, or money service

I would like to bring an urgent Banking matter to your attention. 

I was defrauded out of approximately {$30000.00} during a Bank transaction involving XXXX XXXX XXXXXXXX XXXX and Bank of America. 

The transaction was my closing on my home. The parties involved were XXXX XXXX, Bank of America, XXXX XXXX XXXX and XXXX Financing. The wire transfer was done directly at a XXXX XXXX XXXX XXXX  branch office.

All parties involved in this fraudulent transaction have taken absolutely no responsibility and are not returning calls. XXXX XXXX  refused to continue to investigate and demand the return of funds from Bank of America. They dropped the case without providing a reasonable resolution. 

The detective at XXXX XXXX has left multiple messages to the Bank of America representative, XXXX XXXX, at XXXX x XXXX FDIC Case # : XXXX. He has not responded or returned calls. 

I filed a case with XXXX XXXX XXXX, case number : XXXX filed on XX/XX/2022 I filed a police report at XXXX XXXX Police station. ( case # XXXX ) on XX/XX/2022. 

I filed an FBI-IC3 case online on XX/XX/2022. 

XXXX XXXX from Bank of America has responded to my FDIC Case # : XXXX by mail with fraudulent Bank of America contact information . The number given on the letter is XXXX ext XXXX and this number is not reachable. 

I would like to be given the opportunity to speak with you directly regarding this situation at your earliest convenience. 

I may be reached at XXXX. 

Thank you very much for your consideration in this matter. 

XXXX
Product: Debt collection

I got to know about this account after I checked my credit report. I immediately contacted them about this and I was told my health insurance did not pay the hospital so my account was placed with them for collection. I told the agent that I did n't receive any mail from her office about this debt. I informed the agent that I will go ahead and settle this debt in full so that the account will be deleted off my credit reports and also since i did not receive any notice of debt verification and also it is not my fault for not settling this debt on time. The agent agreed to file for account deletion after payment but the account is still listed on my credit reports.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According 15 U.S.C 1681 section XXXX A states I have the right to privacy. 

According 15 U.S.C 1681 Section 604 XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

According 15 U.S.C 1681c.A ( a ) ( XXXX ) Section states. No consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse item of other of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

According 15 U.S.C 1681s2 ( A ) ( XXXX ) A person shall not Furnish any information relating to a consumer reporting agency. if the person knows or has reasonable cause to believe that the information is inaccurate,
Product: Debt collection

The company is reporting on my credit file, not once has the company sent me a letter about the debt. I was and I am not aware of any debt owed to this company. The amount is for XX/XX/XXXX {$120.00} for XXXX XXXX and for {$590.00} for a debt in XX/XX/XXXX this is fraud, I have never received a letter informing about a bill. I have contacted XXXX and was advised XX/XX/XXXX they have nothing for me at all and during this time the company was called progress energy and they can not locate a file for me for XX/XX/XXXX. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have also research the company and they do not have license to collect in Florida.
Product: Debt collection

RESURGENT/LVNV FUNDING put a collection of {$1400.00} on my account without contacting me. they claimed to send email to me and I did not receive any email. the collection amount and information reported on my credit report is inaccurate and it has affected my credit and ability to scale forward financially. I am requesting you to please compel RESURGENT/LVNV FUNDING to remove a collection of {$1400.00} from my account based on the following reasons : 1. I was not notified of this account before reporting it as as collection on my credit report. 2. I was not aware of this debt from any original creditor. 3. Every attempt to call them to settle this has not been fruitful. 4. I was not giving the opportunity to dispute this debts.
Product: Credit card or prepaid card

I have it set up that Venmo gets a deposit when my EDD payments are made. I had an outstanding bill of {$5.00} for less than a week when my deposit of XXXX dollars hit my account ( while trying to get a refund from a person that i had paid for a service refuses to return what i had paid them for good not received since the order in XXXX of XXXX ). On XX/XX/XXXX i received my EDD transfer after waiting over 5 weeks to get payment of only 3 weeks, i have way more in my Venmo account and they will not release any of my money for another 3-5 business days ( which after looking on their website never states that this is their policy ) I did chat with a employee there on XX/XX/XXXX and they assured me that my direct deposit would still go through even tho they froze my account and DID NOT tell me that even after the money was in the account they would still have a hold on my account. Now because of the wait getting my EDD payment and not even getting the full amount owed to me, it will now take almost another week to get the over XXXX XXXX  dollars that I now have in my account and I have explained that i desperately needed that money to put food in my house because of the long delay of getting my unemployment benefits. They would not even at that point release my money, not even a portion of it.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX  XXXX XXXX/2022 XXXX  XXXX/2022 XXXXXXXX XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX2022 XXXXXXXX XXXX XXXXXXXX/2022 XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX  XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX/2022 XXXX  XXXX XXXX XXXX XXXX/2022 XXXX  XXXX XXXX XXXX  XXXX/2022 XXXX XXXX XXXX2022 XXXX XXXX2022
Product: Mortgage

I started a loan process back on XX/XX/XXXX for a conventional loan with the Loan Officer XXXX XXXX NMLS XXXX, he give us the pre-approval and he told us that everything was verified, he ordered a FHA appraisal, when I asked him why, he told us that it does n't matter which appraisal is requested that he can switch the loans and seller can do whatever they want. In the middle of the transaction he said that my brother did n't qualified for the conventional loan we told him that the contract was specific for a conventional and I do n't understand why he makes me paid for FHA appraisal. XXXX told us that we do n't have to worry that he will approve us for conventional loan and he makes me paid for a conventional appraisal and we will close onXX/XX/XXXX. OnXX/XX/XXXXwe received a Loan estimate for a FHA loan with a seller credit for {$5000.00} that we did n't requested and a credit score 5.5 % that we never discussed about, when I asked him why everything look different with that high rate he said that 's the only loan we can have, knowing the contract specific said conventional. This loan Officer does n't even have idea how insurance work he asked me to paid for a hazard insurance with my credit card, when I asked him why he said : " because I said so and you do what I said '', when I contacted the insurance company they do n't have Idea why the LO gave me those instructions they told me that Insurance will be paid with the closing cost at the closing, and title will be distribute the funds. We are loosing so much money for the lack of knowledge of this Loan Originator and his unprofessional way to tread a customer. I have all the documents and different text messages showing all the wrong instructions this Loan Originator make us do.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX. I was a victim of identity theft. Some could have been a friend, family member, or someone in general in fraudulently applied to XXXX XXXX XXXX. I didn't not consent, authorized, benefit, apply to nor use XXXX XXXX  programs or products. I have reached out to XXXX, XXXX, and Experian about the matter and they all responded that the reporting company has verified the information. I have filed an FTC identity theft report. I want this inquiry blocked and deleted. It's one of the inquiries that I have complained about that is stopping me from attaining XXXX XXXX  XXXX because of their XX/XX/XXXX rule. 

I have also filed a previous CFPB complaint about the reporting of the aforementioned companies reporting inaccurate unverified information lacking maximum accuracy. 
See FTC Identity Theft Report : # XXXX and CFPB # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank assistant told me going to be Soft Inquiry. 
I got email as Hard inquiry. 
Bank assistant lie to me about this to pull my credit report as hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00}. 

In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This XXXX  account was fraudulent from last year and it was deleted and resold again. I had this deleted from my credit with a police report and FTC report and XXXX report. I have never had XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, credit bureaus and credit reporting agencies have an obligation to investigate and remove erroneous information from a consumers credit report. On XX/XX/2018, I sent a validation letter to USAA Savings Bank requesting validation for this account that I believe was placed in error. I received a response on XX/XX/2018 and rather than providing documentation with original contract bearing my signature proving I had a contractual obligation to pay the debts in question, they provided account statements for this account. Therefore, the accounts had not been verified.
Product: Debt collection

The company that I have an issue with is SAFCO. I voluntarily turned my vehicle in to this company and was actually in good standing with the company but due to mechanical issues ( after a major engine recall ) I had to make that choice. To date I continue to receive notification that SAFCO falsely reports that I am missing payments, and they report to the three credit bureaus every month that I am late with my payments when in fact the car was sold at auction and written off as a charge off. Also, SAFCO is reporting to the credit bureaus that I owe XXXX, XXXX, however note in the enclosed document the amount is XXXX, XXXX. This information is false as I stated earlier. 

I recognize that in accordance with the Fair Credit Reporting Act, SAFCO acct # XXXX, has violated my rights to privacy according to 15 U.S.C 1681 as well as, 15 U.S.C 1681 Section 604 A Section 2, due to the fact that a consumer agency can not furnish an account without my written instructions to which I did not consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of credit report XX/XX/2021 from Transunion I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app XXXX  I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!
Product: Credit reporting or other personal consumer reports

I went from having a XXXX something credit score to going up to over XXXX and then my score disappearing and cant get a score on XXXX, XXXX, or Transunion. Now I cant get access to my credit that is mine by right. I'm getting turned down everywhere because of this. I called XXXX and raised serious concerns and spoke to several people over the phone and followed the dispute procedure over the phone and nothing top help. This is causing undue hardship on me and my family. Its not possible for me to not have any credit file when I've been using my credit since I was XXXX and I'm now XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian 's inaction violates federal law and my rights as a consumer.