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

I looked at my report on XX/XX/year> and noticed some things are fraudulent on my report. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX received a letter from Transunion stating that the fraudulent account was deleted, however, it was not deleted. These are accounts are on my report due to fraudulent activity and should be removed immediately. My tracking number is XXXX I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( 5 ) they are supposed to update or provide this information within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have rights that are given to me to protect me from misinformation being reported on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have contacted Transition about unathorized inquiries on my credit report. I have filed the correct FTC report as I was helped by a representative with Transunion. In caliinig now, they want me to file a new report and sign it, There is no area on the report or online to add a signature. This is a disgusting abuse of power.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have held a bimonthly autopayment of my mortgage on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. I retired from federal service XX/XX/XXXX and moved to XXXX, XXXX  in XX/XX/XXXX. During the 8-10 years that I held a mortgage with Loan Depot my payment record was exemplary. My house in XXXX was rented. In XXXX XXXX apparently one of the autopayment failed. Home Depot did not notify me immediately so I could correct the error in a timely manner. Instead they suspended the autopay and I was advised in XX/XX/XXXX that my payment was in arrears for 3 payments. I wrote to the customer service portal asking for the reason why the autopay was stopped and how I could reinstate it. Phone based enquiries leave me on hold for a long time and then disconnect. I chose to use the message board in order to have a trail to enable someone to help me. In fact, I realized that the messages are not reaching a billing agent but a third party call center. The problem of miscommunication, crossed messages, resulted in me submitting payments based on the most recent communication with the Loan Depot representative which were returned to be as insufficient since the time passing has increased the amount due. I tried to explain as much as possible but all I got was how in one month I was behind on payment. There was no recognition that for 8 years or more I had a spotless record of payment and I deserved the courtesy of a human interaction for a conversation on the resolution of this issue. The report of poor mortgage payment has directly prevented me from purchasing a home in XXXX, CA. I am XXXX XXXX XXXX been through extremely difficult time since my move to XXXX and all I want is a roof above my head during the last years of my life that I can call my own. Loan Depot 's actions are unconscionable and inhuman. i m hoping that the report to the credit bureaus will be removed permanently and clear the way for me to obtain a mortgage on my last home. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last dispute I submitted was in XX/XX/XXXX in regard to their reporting of my XXXX XXXX account. The account has been reflecting a 30 day late payment which is being reported incorrectly. I received a letter from XXXX XXXX that I mailed to Equifax that reflects they reported the 30 day late payment in error. This letter was generated on XX/XX/XXXX in which they also stated they mailed to the bureaus in regard to the error as well. But yet after their attempt and a year later they are still showing false information. If this attempt does not work with the CFPB I will take it a step further to get this inaccurate information removed as this is intentional false reporting and I am sure that there are laws against this type of activity. If they do not believe that the letter is factual there is a contact number on the letter which makes me believe they didn't even bother to investigate my dispute. XXXX XXXX even refunded the amount of the late pay due to the error. I am also uploading a copy of the letter that I receive from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Kikoffis reporting late payments on account that I should not have. XX/XX/2021 Open the {$500.00} installment loan with Kikoff. To which I paid all my payments on time for the next two years. 

Unbeknownst to me, Kikoff switched my account from a {$500.00} loan to a {$750.00} loan without my consent. Kikoff never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. Kikoff will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

Kikoff has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my XXXX score dropped XXXX points in one month. Thus destroying my credit worthiness! 

Kikoff is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor credit score people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance  : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX Balance  : - ; XXXX XXXX Balance  : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$31000.00} XXXX XXXX  XXXX/XXXX/2021.
Product: Credit card or prepaid card

I recently received an email from Capital One that they were closing a credit card account I held with them due to inactivity. I immediately called them to inquire why I was not given any advance notice or an opportunity to remedy the situation and to request that the account be reinstated as it is my oldest card and I was maintaining it for that reason. I said I'd be happy to use the card, but was told repeatedly that once that decision was made there was no recourse, but I was welcome to apply for another Capital One card. In these current times of uncertainty the loss of purchasing power and the impact to my credit score will be somewhere between significant and enormous as I am  about to refinance my house. I have called them at least two more times subsequent to the first call and have gotten the same response. This arbitrary and capricious decision has undermined my trust in Capital One and has had, and will continue to have, negative impacts on my financial well being.
Product: Credit reporting or other personal consumer reports

A fraudulent inquiry was put on my report without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for this egregious bankruptcy to be removed from my report as they have not provide the original court records or documents to provide proof I filed this bankruptcy myself.
Product: Debt collection

On XX/XX/2018 I filed a claim against XXXX for fraudulent practices on their websites. I have filled my dispute and it was processed legally through my bank. Now two years down the line I receive a message from cedars buisness services claiming I owe XXXX money when I do not. They are both intimidating me even though my bank has already filled the dispute two years ago. They claim I owe over {$200.00} when I do not owe any outstanding fees over {$200.00} I have no idea where they came from randomly.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXXXXXX. XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

The information being reported is incorrect and should be deleted and or updated : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of several unauthorized hard inquiries on my credit report, as detailed in the report I received from your agency. Upon careful review, I have identified inquiries that were made without my consent or knowledge. These inquiries are negatively impacting my creditworthiness, and I am seeking your urgent assistance in investigating and rectifying this matter. 

Please see attached letters for each bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries and accounts on my credit report, as reported by EQUIFAX, TRANSUNION, AND XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, my consumer report may only be furnished for permissible purposes, such as those outlined under this section, and only when I have provided written authorization. 

Upon review of my credit report, I found that companies are listed as hard inquiries on my credit report unverified. I have also noticed unauthorized accounts being reported, and I have provided those for reference below as well. I did not provide written consent for these inquiries or accounts, nor was there any permissible purpose for accessing my credit information. As this violates the FCRA, I request that the unauthorized inquiries be removed from my credit report immediately as well as any other misleading unverifiable information. Ive never signed any contract with XXXX XXXX XXXX XXXX and I am unaware of any self account with. This is unfair and needs to be fixed immediately! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX
Product: Debt collection

Hello, Ive been receiving none stop phone calls from this number with NO voicemail early mornings everyday from XX/XX/XXXX to now. They have to remember that we still have to WORK and cannon answer the phone. I work in the medical field which requires a high demand of my time. I also receive a lot of spam calls. If you do not leave a message or if its not a phone number I recognize I do not answer. Creditors can also contact me via email which has not been done. Then j check my credit report on an account that has been closed since XX/XX/XXXX stating I missed a payment which knocked me down XXXX?? Im not understanding this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was provided with a letter stating my loans are paid in full. After months of monitoring my credit report, XXXX XXXX has continuously updated my account after every dispute as if it is in good standing when in all actuality it is paid in full. The current status is Open/Never late. Deferred, payments begin XX/XX/2022 but this is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX  The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my credit score XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency trans union and XXXX there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXXe still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
Product: Debt collection

Jefferson Capital XXXX company is trying to collect a debt from me that I did not sign or make the loan with them. This loan was made with XXXX XXXX and by law it is illegal to sell a debt to a company without my authorization. 
XXXX is the letter whith the amount of XXXX
Product: Credit reporting

The XXXX XXXX account was disputed, and Trans Union shows a cut off deletion date of XXXX XXXX. Trans Union shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Trans Union did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the 7-year rule applies.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed disputes with XXXXXXXX XXXX XXXX and XXXX XXXX through transunion 's online portal. On XX/XX/XXXX the disputes were finalized and the report from transunion indicated the the disputed items were deleted from my credit report. I reviewed my credit report to only find out that although the investigation report came back as deleted from my credit report, the above 2 items still remained on my credit report. On XX/XX/XXXX I called transunion and informed the customer service rep. that the items that were stated " deleted from your credit report '' were still showing on my credit profile. The rep. advised me that she was going to escalate the call to a different department, but they were closed on weekends and would call me on Monday, I did not get a call on Monday XX/XX/XXXXXXXX I called back on a few occasions and no one was able to help me. I called back today XX/XX/XXXX and the rep told me that he couldn't figure out why the items were still showing on my credit profile because the investigation shows the items should have been deleted. He also told me that I should file another dispute to delete the items again. I asked him why should I file another dispute when the investigation came back stating the items were deleted, he could not give me an answer. I have included the investigation report showing the items were supposed to be deleted and also the front page of my credit report showing the items are still on my profile. 

TransUnion 's contact information TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX By Phone : ( XXXX ) XXXX
Product: Checking or savings account

I was at work Monday XX/XX/2023 and my phone started sending repeated notifications of withdrawals from my checking account from a company called SoLo Funds. I knew this wasnt me doing this as I was at work so I called my bank Chime which I found out isnt actually a bank they told me but a financial services company which I did not know as I have a checking savings and credit card through them. My account was debited 4 different transactions {$300.00}, {$100.00}, {$100.00}, {$150.00}. While I was on the phone with them they said it was my debit card which was with me at work so it had been compromised somehow. Card was canceled and while I was on the phone with them a {$500.00} transaction was declined as I had moved what little money I had left to my savings just in case. I tried calling SoLo Funds but the number given on my transactions list on my account didnt have enough phone numbers so I immediately knew it was a scam. They only have chat support so I got ahold of them and they said I would need to send a picture of myself holding my Drivers License and Debit Card to prove my identity. No way I told them I didnt know who they were I hadnt initiated these transactions and this sounded like a scam trying to steal my identity. Only company that would ask something like that would be the IRS. Chime just denied my dispute and I dont know why! {$650.00} is ALOT of money to me! My car payment is going to bounce and I may lose my car over this company stealing my money and for some reason Chime allowing them to. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOST MY IDENTIFICATION AND MY SOCIAL AND SOMEONE WENT ABSOLUTELY CRAZY. THEY WENT AND APPLIED FOR A LOTE OF THINGS.. I DONT KNOW HOW THEY WERE ABLE TO DO THIS WITHOUT ME BEING THERE. PLEASE REMOVE THESE INQUIRIES, I HAVE BEEN TRYING TO KEEP MY CREDIT TOGTEHR AND THIS HURTS A LOT
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX 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 XXXXXXXX have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, a Venmo account with the same profile photo and username as my sibling requested {$60.00} from me that stated, " Can I borrow this really quick pleasee, I promise to give it right back tomorrow, Thanks!! '' My brother lost his job due to Covid-19 and I have been financially assisting him recently. Right after I sent the money, the account changed their username and profile photo and disabled the ability to communicate with the account or to reply to the transaction. 

I then tried to talk to an individual at Venmo and was placed in an 80 person long queue, I also called twice and spent hours on the line waiting to talk to someone. When I finally had someone respond to me, they told me that it looked like someone didn't hold up to their side of the " transaction '' and then told me to file a police report. They then told me to contact the scammer who requested the money. By instructing me to do this they admitted that the scammers account was still active. The company does not care that their is a giant hole in their system and zero safeguards from fraudulent venmo requests. 

More than likely, the person who stole {$60.00} from me has done this to hundreds of people. Venmo does not care and is complicit in this illegal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I learned about the Equifax cybersecurity breach. I visited their website at XXXX to check if my personal data was involved. After entering my information I received the following message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not aware of any new fraud or changes to my credit report at this time but am incredibly concerned about the exposure of my personal financial data possibly including my name, Social Security number, birth date, addresses and drivers license number and/or credit card numbers.
Product: Student loan

I would like Full Validation on my parent student loans. How much is owed. Where was the money applied to and why are there extra charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2019, someone accessed my Bank of America checking account using a built in app called XXXX. I was not even aware of this function of my mobile app at the time. When this happened I was on a cruise in the XXXX XXXX XXXX when someone, I have no idea who or how, removed {$5000.00} from my account in approx 4-5 transactions using this XXXX app connected to my Bank of America app. I went in to the bank and filled out all the paperwork for the investigation only to be told after about 15 - 20 days they could do nothing about it. This money was never returned to me. I have since closed this account for obvious reasons.