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

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. 


XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  Account is Inaccurate and Fraudulent Info reporting on my credit profile The dates of reporting are inaccurate and its been over 7 years on my credit report XXXX XXXXemove it from my credit report and it should be remove from the other credit report companies XXXX and Equifax
Product: Debt collection

This company is called XXXX XXXX XXXX and they have not answered any of my phone calls in question about a collection that was put on my credit report. It was opened in fraud and this specific company is known for fraud. I have never even heard of this collection. Its stated it was opened on XXXX XXXX and I owe XXXX. I have tried to contact then but I have received no call backs and I put in a dispute and they even said I still owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report & learned my XXXX credit card was charged off. 15+ years ago I added my daughter as an Authorized Signer. She subsequently charged on this account and stopped paying, resulting in charge-off. As the owner of the credit card, had I been informed account was delinquent, I could have prevented balance from escalating, & could have removed authorized signer status, & prevented charge-off, & negative credit r. When I contacted XXXX  to inquire they stated my daughter was a joint account holder. I at no point added her as joint account holder, and she did not sign application for credit. XXXX is unable to provide me copies of documentation confirming joint versus authorized signer status. I no longer have this documentation due to a house flood. If XXXX can not provide documentation, I would like the account removed from my credit report, and am willing to pay the balance owed when the account became 30-days past due. Had I been aware of delinquency at 30-days, future charges could have been avoided, and I would have removed my daughter from the account. I feel I have been harmed because XXXX 's inappropriately changed type of ownership on my account, and can not provide documentation to support the change. 

Thank you for your consideration. 

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

Republic Finance # XXXX I have sent XXXX  and Republic Finance several letters over the last XXXX months in XXXX and even one in XXXX of XXXX requesting validation of a debt. I included my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. I sent at least 6 letters to XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX starting on XX/XX/XXXX requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. Moreover this account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Republic Finance has been re-aging this account which is a violation of my rights. XXXX  has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me? 

Again, I previously submitted letter after letter to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX Account name : XXXX XXXX XXXX In Date opened : XX/XX/ Balance : XXXX This account was opened I had no acknowledgment of it it is not my account it should be not on my credit it should be taken off immediately I have reached ou
Product: Mortgage

I closed 2 loans with LoanDepot. Not only were these repeatedly delayed which cost me time and money, they were completed months after promised. 

Now I was notified that despite funds being put into escrow to pay my hazard insurance premiums, the hazard insurance premiums have not been paid. It is more than 30 days past closing. I have had to go out of pocket again to pay these insurance premiums so that coverage was not cancelled. 

It took over 2 hours on the phone after calls and messages through their online portal. I was told that a ticket to research the problem will take 3 business days and that there is no one to speak with to pay the hazard insurance premium. 

The agent I spoke with said he spends ALL DAY dealing with complaints just like mine.
Product: Money transfer, virtual currency, or money service

blockchain.com has locked my trading account worth {$10000.00} in USDT for weeks now. I have provided all documents they claim i need for verification to upgrade the account, but they have still not unlocked the account so i can get my money back. i have contacted them severally and i am frustrated as they seem to purposely spam me with an automated response
Product: Vehicle loan or lease

The car was taken by law enforcement & sold never wanted to give me a chance plus the payment where high over 10 years ago they are not open anymore
Product: Payday loan, title loan, or personal loan

Possible has provided no physical way to pay my loan off. They are utilizing an old debit card they are refusing to let me change, and have no way of changing in the app or on the website. They do not have any way to verbally contact them. The number they provide in your credit report, that they continue to report to even though you cant contact them to pay it off, goes to a recorded line that tells you they do not actually have anyone to talk to, you have to go online and email them. If they expect anyone to provide any personal info especially a debit card over email is violating our rights. Not allowing us to pay our loan back is violating our rights. They also only use a third party platform called XXXX to use bank accounts to pay. This XXXX platform does not support my bank that is a state bank in which I do all my other banking through and receive direct deposit. Theyre getting reported to the XXXX  They have the chance to fix this and receive my money to pay off my loan, or they can decide to continue to violate consumer rights, get reported, and excuse my loan. All major credit bureaus will be aware of the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

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

This company Hillcrest Davidson ( XXXX XXXX XXXX  ) keeps on harassing us through phone calls and texts for something we have no idea about. 

XXXX XXXX XXXXXXXX We never opted to receive any calls or texts from them. Never received any email describing the problem and this debt they are talking about. 

If this is about business, then why is my wife being included on the text messages. I googled this company and they are doing this to so many families. Such companies need to be shut down immediately. 

Their BBB reviews where multiple families are complaining about this practice XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am submitting this request myself to address the inaccuracies on my Credit Reports. Regardless of the several previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of misleading information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to remove : CAPITAL ONE - XXXX
Product: Mortgage

On XX/XX/XXXX, my mortgage company had not paid my homeowner 's insurance for a period of 4 months. Unknowingly, I received a letter of cancelation of homeowners insurance for {$3500.00}. 
This came after the mortgage company, not correcting the escrow, when the transaction happened in XX/XX/XXXX. I called XXXX XXXX  on XX/XX/XXXX and they verified that they have not received a payment from 53rd Bank, this was supposed to be paid on XX/XX/XXXX. 

Unfair Practices Second, 53rd Bank did everything possible to prevent me getting a 2 month forbearance, with the option of putting the loan on the back end, making my payments XXXX. I knew my FHA options and they relayed " oh, we can't offer that '' - before any determination was made. They stalled on the process, sending me a letter. Three weeks after my initial paperwork and documentation was in. Sending an email for documents after the fact like this was the first initial starting of the paperwork three weeks later. Resultantly, they delayed the paperwork weeks before they responded trying to cover that they were just reaching out to me XXXX weeks later in XX/XX/XXXX. Initial documents were faxed and submitted on XX/XX/XXXX. I had to end up taking out a loan in order to meet the two months that I needed of grace. Finally, they never post my mortgage payments when it is received, but days later. I am already trailing by 3 weeks because of social security payments. So they pushed me into a 30 day late for XXXX. When the payment was made on XX/XX/XXXX, sending me a letter. Talking about some bankruptcy and they couldn't accept the partial payment of XXXX dollars, which was actually for a late fee.
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 Account XXXX Account Name : XXXX Account XXXX Account XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : 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: Debt collection

On XX/XX/2018 I received a notice from this agency regarding a debt I have no record of. I sent a certified letter requesting the validation of the debt on this date. I never received any notification in writing from this company as to proving the debt owed. I sent a follow up request via certified mail XX/XX/2018 again asking for the validation sent in writing to the address provided and also advised this company I am a victim of ID theft and have filed a notification with the FTC and also asked that the debt be disputed. I have now received a notification that this third party agency erroneously reported this debt to my credit report which is a direct violation of my consumer rights. I have not received any paperwork proving this debt is mine. This needs to be removed from my credit until paperwork is sent to me to validate this account is mine. I have begun to pursue legal action as I have done my part as a consumer to get this account handled under the word of the law and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX pulled my credit report in error. XXXX XXXX notified me through correspondence dated XX/XX/2021 that it was sending a request to Experian to remove the inquiry dated XX/XX/2021. I sent the same letter from XXXX XXXX to Experian on XX/XX/2021 requesting that they remove the inquiry made by XXXX XXXX. As of XX/XX/2021, Experian has failed to remove the inquiry made by XXXX XXXX. Experian shows the credit inquiry as XX/XX/2021 when in fact XXXX requested the credit report on XX/XX/2021. XXXX XXXX has done its due diligence in assisting me in removing this inquiry from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX  XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns XXXX  XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about XXXX loans and would help me fill mine out. I emailed him my social and banking information on XX/XX/XXXX he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges on XX/XX/XXXX on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by XXXX XXXX for the XXXX loan but he changed the login information and I believe funding company so that he would recieve my XXXX loan. I filed a police report on XX/XX/XXXX by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.
Product: Consumer Loan

To whom it may concern, XXXX finance, XXXX XXXX of XXXX, and there investors are continuing the felony harassment of myself and my wife. Every since we sent a complaint to Consumer Finance. gov, these companies have increased there harassment again. The most significant harassment happened on yesterday ( XXXX - XXXX - XXXX ) around XXXX at krogers on XXXX next to walmart XXXX XXXX. Aqua finance had some of there XXXX try and scare us as we were leaving the store. XXXX walked by us as we were leaving the store and said in a real low voice be careful and then once we got to our car that same XXXX got into a car that was parked right next to ours. As they drove away they yelled out something that sounded like SOON. We are n't leaving our home and we will defend ourselves by any and all means. If this continues we will involve the media! 
Note : We recently submitted a complaint on XXXX Finance 's Rip Off web site and I seen were this company along with there investors have had almost XXXX XXXX complaints filed against them! Why are these companies still being allowed to stay in business. Why are n't these XXXX being arrested! Whenever our case ends up in court, we will reach out to other victims of Aqua finance, XXXX XXXX of XXXX, and there investors. We will get the media involved and make sure these companies get exposed for the criminals that they are! 
It 's XXXX 's XXXX weekend and now these companies think there going to commence there Holiday Harassment! Today XX/XX/2015 these companies XXXX are going crazy, acting like they are going to hit us wth there vehicles and run us off the road. A typical holiday weekend for us!
Product: Credit reporting or other personal consumer reports

I have an inquiry on my experian credit Report from XXXX Bank that cost me XXXX points on my credit report that was on XXXX, XXXX which was erroneous, unduly, and I have no knowledge of and I would like it DELETED IMMEDIATELY!!! Off of my credit Report
Product: Credit reporting or other personal consumer reports

On my XXXX and XXXX reports its showing that Bridgecrest financial which is my car loan company has reported XXXX missed payments which is inaccurate. 
I have tried to call the company and speak to someone about this but its getting no where. 
I requested to be provided with specific proof that these alleged late payments were in fact late. 
I have had an account with this auto loan company since XXXX. Reporting XXXX missed payments is not correct. Their would have been a repo order out on the car and I have never had anything like that happen.
Product: Credit card or prepaid card

I have had my bank of america account for over 3 years now. And have been making payments 100 % on time since XX/XX/XXXX. 

Back in XX/XX/XXXX there is a mark that shows that I missed the payment. Although the payment may have been delayed, I believe that for good will this should not be counted against me. Due to momentary financial issues I wasn't able to pay but I have before then and since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/2019, by certified mail, Equifax received my dispute of accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) they are required to provide verification in the form of an original signed contract proving this is my debt. 

Not only did they fail to do that, but they did not notify me of the results of their investigation and send me a copy of the results of their investigation wih a new updated credit report within 30 days of receiving my written dispute. 

This is Willful Negligence and violation of Federal Law on their part. 

Action Required : Delete all of the above listed unverified accounts that continue to be on my credit report and continue to damage my ability to obtain credit, employment and reputation. 


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

Experian has blatantly denied my request to dispute this account showing an inaccurate payment status on my credit report. Ya 'll have accused me of being a credit repair company and denied my investigation request. That is NOT how this is suppose to be handled. According to FCRA I have the RIGHT to request that any information being reported on my credit report be 100 % accurate and verifiable and you have failed to do so. If my investigation request isn't taken serious this time I will be forced to notify the FTC and the attorney general to step in help with this issue. 

I have several closed XXXX XXXX XXXX accounts reporting 90 Day Late payments on XX/XX/XXXX. That is not possible because my students loans have always been deferred due to me being enrolled in school. I ask that you please delete this erroneous reporting. In the comment section of the accounts it also says, 90 Days Past Due or 90 Days Delinquent. I ask that you DELETE ALL of this incorrect  information. According to FCRA, incorrect or non-verifiable information cant be reported and shall be deleted promptly. 

I have a 30 day late payment being reported under XXXX XXXX XXXX XXXX on the month of XX/XX/XXXX. I was never late on this account and according to my credit reports, youre the only bureau reporting this late payment status on these dates. Please delete & remove the late payment status and put it back to current. According to FCRA, incorrect or non-verifiable information cant be reported and shall be deleted promptly.