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

I am a victim of identity theft. TransUnion is fully aware of this, they have been notified by several federal agencies including the CFPB and still refuses to block and or delete the fraudulent accounts on my credit report. They claim they investigated, they have not provided any evidence of this scam investigation. They continued to violate the federal laws and my rights under federal laws. This intentional Defamation. Upon my investigation into Transunion, Transunion is generating revenue off the fraudulent information they are reporting on my credit report which gives them ZERO motivation to correct their errors. Im filing this complaint to verify that I have tried every legal way to resolve this issue with Transunion. We will be seeking {>= $1,000,000} Federal Defamation Lawsuit if this is not resolved in 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. Im not using any third party for this matter. I represent myself by myself. I have sent dispute letter to Equifax 2 times with FTC report and all supportive documents for my statement. Equifax has turned me down for investigation fraudulently posted hard inquiries on my report. I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report for this matter, which I have enclosed within this dispute package. You are reporting the INQUIRIES that are the result of the fraudulent activities. Inquiries that are made by someone else without my authorization IS NOT A FACTUAL RECORD of access to my credit file, it is a factual record OF FRADUALENT ACTIVITY, and it must be addressed as such. 
I must be noted that I did not apply for credit accounts with the below listed companies and creditors. These hard inquiries are not mine : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. these fraud items must be deleted from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the stress you caused me. My information was also impacted by the XXXX  and XXXX XXXX breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously submitted a CFPB complaint to both XXXX XXXX and Experian because my loan # XXXX was not showing up on my Experian credit report like it should have been. In its response, Experian advised that they were not going to honor my request. XXXX specifically advised that this has been reported to Experian and they have even sent it to them again. I have attached the written response to my CFPB claim from XXXX XXXX. Before seeking monetary damages from Experian due to their failure to correctly report info on my credit, I want to give them one final chance to get this correct and report this account on my credit report as reqired by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs XXXX credit cards, XXXX XXXX XXXX accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.
Product: Credit reporting or other personal consumer reports

Hello and good day, there is information on my credit report that has been placed in error which is very concerning, this account keeps appearing on my report to which I am not associated with, this is causing me unnecessary stress and XXXX
Product: Student loan

So back in 2018 I have a missed payment in XXXX that I was NOT able to pay due to being in XXXX XXXX in the emergency room. Since then I have made all payments on time and have not MISSED one payment since then which 23 months of consistent online payments on time. 

With covid going on credit is incredibly important and I would like this late payment removed. It is affecting my credit which could get me lower car payments and much more. 

Money is hard to come by during this horrible time in America and I feel like it would only be right to get this completely removed from my credit. Just the late payment that was made back in 2018 in XXXX. So I can get the best loans possible.
Product: Checking or savings account

PNC bank has been stealing my money and not putting my direct deposits in my account.i have filed over 200 plus police reports in XXXX county Texas and the COUSTMERS protection agency with the identity theft XXXX also XXXX. I never withdrew anything in regards to my account with y'all. Also on the XXXX of XXXX I was informed by your agency along with the bank that they just received the claim. Then on the XXXX of XXXX the said bank PNC XXXX my account for no reason. I would like to hear the recorded conversation in regards to SUPPOSLY me telling you this. THAT IS MY RIGHT ACCORDING TO Y'ALL 'S WEBSITE. I AM REMITTED THIS COMPLAINT AGAIN WITH PROFF THAT THEY STOLED MY PAYROLL AND MY SOCIAL SECUITY CHECKS. Also the XXXX company that was set up for auto draft. But apparently the funds were stolen from my account.the last 2 months. But know there is nothing showing the XXXX at all. I never went in and just took the keys. I used my bank card and I know it went through.so where is it on my transaction history. It is nowhere with the bank at this moment. I have the invoices and contract with me XXXX XXXX XXXX XXXX XXXX being listed as the authorized driver. Then how was I arrested for unauthorized driver.
Product: Debt collection

Disputed with the company on XX/XX/XXXX. The dispute letter was sent by certified mail which the company received the letter on XX/XX/XXXX. It has been well over the 30 days the FCRA gives company to respond to any disputes. It is now XX/XX/XXXX and I have yet to hear back from this company.
Product: Credit reporting or other personal consumer reports

I have 4 federal student loans with MOHELA. After MOHELA updated their new website, they have failed to report accurate payment history to the three credit bureaus by either stating they have no records of my XX/XX/year> payment for all 4 student loans or advising that one of my student loans has been closed. This has affected and lowered my credit scores for all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has over charged me for XXXX XXXX bucks for a account that already been closed
Product: Debt collection

I made a payment on my account, they sent confidential information via email to a 3rd party so now they have my info regarding checking info and account information with Lendmark
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a lawsuit between XXXX XXXX XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all XXXX credit bureau 's. XXXX removed immediately. XXXX and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my XXXX and XXXX report. It continues to hurt my credit. XXXX XXXX still continues to report to these 2 bureau 's. I have spoken with XXXX XXXX finally on XX/XX/XXXX. The law firm that supposedly handled this case for XXXX failed to report back to XXXX the court order. That firm is Zarzaur and XXXX, XXXX. I am faxing the court order in to XXXX XXXX per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for XXXX XXXX and this law firm, and reporting bureau 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??
Product: Credit card or prepaid card

I have always made timely payments on this account and it is causing me great anxiety to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$340.00} XXXX-XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I do not owe. See the attached copy of the receipt as account being paid.
Product: Checking or savings account

First Bank paid a {$43.00} to XXXX XXXX on XX/XX/2022 from my checking account that did not have sufficient funds to cover the amount. 
I visited the bank same day and I complained about it asking to place a dispute but the bank did not do it because it was not time. 
Because of the Bank 's error I checked my bank account online many times a day and accidentally I failed a security word and I could not open my account online again. 
My phone is inactive and I could not call the bank but I contacted the First Bank many times via their email on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

I tried to contact the XXXX XXXX phone XXXX XXXX XXXX as appears the bank account was not successful. 

I found their email and received a response from the real XXXX XXXX company stating having many other people complaining about losing money which is believe a scammer is using their business company name. I did emailed this information to First Bank requesting and urgent action in filing a dispute but so far First Bank has failed.
Product: Credit card or prepaid card

On XX/XX/XXXX we had a flight from XXXX to New York. Four days after on XX/XX/XXXX we were supposed to fly with XXXX XXXX  to XXXX. On XX/XX/XXXX our flight got canceled due to a storm that was happening on the east coast. The earliest flight to New York our company could offer was on XX/XX/XXXX. We could not fly with XXXX XXXX  to XXXX but yet they still charge us for a baggage payment of XXXX dollars. We notify XXXX as soon as we know that we won't be able to take the flight. They were not willing to work with us. I'm a student who gets to travel once a year ; I don't see why I'm paying for the add-on service I never got to use. I provided all the information of this situation to City bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX  disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft
Product: Vehicle loan or lease

This account is current but for XXXX and XXXX it shows I am late 30 days. Though XXXX  already resolved it because I was never late. Also the payment history shows that I paid on time and I really do.
Product: Mortgage

I applied to Morgage Relief of California to help me with my late payments for XXXX months, they put my application on hold because my mortgage company doesn't answer. I didn't even call them to give them the information, in my account statement it came as American Financial Network Inc. but they need to send the correct information to the California mortgage assistance program since the account is with cenlar and american financial and i have been calling and sending messages since XXXX so that they send me a letter explaining what is american financial & dinning together and so my mortgage assistance payment can be processed but they only tell me that they can't do that and I only receive calls from people wanting to buy my house and I don't want to lose it it's where my children live please I need help I don't know what else I can do or Where should I seek help?
Product: Debt collection

I was contacted by a company that would not give their name and threatened me with being served and gave an attorney in Texas whom I contacted and had no record of any of it. I reached back out to the number provided and spoke with an individual who would not give me his name who claimed I had an unpaid credit card for XXXX that was now XXXX from 2012. I had reported the credit card in question lost in around that time frame. I was followed up by a XXXX XXXX XXXX   claiming the same thing. The individual was XXXX XXXX at XXXX ext XXXX ref # XXXX who claimed the same at which point I again repeated that I do not recognize or acknowledge this responsibility. It all leads back to a Orchard bank. I have not received any debt validation letter nor have been given any way to contest this responsibility.
Product: Checking or savings account

reference complaint ID XXXX Trust Bank sent me a letter on XX/XX/XXXX stating they reserve the right to close an account at any time for any reason and refund my funds deposited to Truist bank XXXX XX/XX/XXXX. 
They closed my account alleging fraud suspicious activity after I reported to the bank XXXX he misspelled my name in the entire paperwork opening the account. 

Truist Bank did not verified with XXXX XXXX the money orders I deposited, Truist returned a money order that I was able to get reimbursed for by XXXX XXXX and withheld {$2000.00} allegedly due to fraud. Truist closed my account and finally return my funds on XX/XX/XXXX. 
Truist bank illegally withheld my funds from XX/XX/XXXX until XX/XX/XXXX. ( XXXX business days ) I requested a 30 % penalty to Truist Bank for violating the Expedited Funds Availability Act and for the lack of communication and negligence received from them. 
I want this bank to be fined and for me to get reimbursed for all my time invested dealing with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion. Based on misinformation and information I didn't consent to give. It has prevented me to get loans to support my business. This is so unfair. I have attached a letter to express what I want to be done about my customer report.
Product: Mortgage

Loan Depot Loan # XXXX XXXX XXXX XXXX XX/XX/21 Phoned XXXX XXXX, he finally answered after 2 voicemails and 3 emails. XXXX XXXX, former manager of XXXX XXXX. XXXX. XXXX XXXX stated he has escalated this and we should hear something this evening ( probably not, late in the day ), or tomorrow afternoon XX/XX/21. 

XXXX no answer. Gave them a week. Following up today XX/XX/21. 

Consumer Financial Protection Bureau https : //www.consumerfinance.gov/complaint/process/ XX/XX/21 Phoned XXXX XXXX XXXX XXXX. No answer left message. 

Phoned XXXX XXXX XXXX XXXX XXXX manager ) at XXXX XXXX XXXX XXXX x XXXX. Hes out of office. 

Phoned customer service, spoke to a representative, she attempted to reach XXXX XXXX. I was on hold for 15+ minutes just to be told he wasnt available. Was then rushed off phone. Very rude and condescending at end of phone call. Was told XXXX would call back today. 

Will file complaint with Consumer Financial Protection Bureau https : //www.consumerfinance.gov/complaint/process/ Timeline In late XXXX we were contacted by loan depot because we were looking to refinance our FHA loan . Since XX/XX/21 we have had very little communication regarding our loan. We were quoted 2.25 % and we were due money back at closing. 

We continuously tried to get updates on our loan. We returned all requests for info and had all of our paperwork submitted in a timely fashion. Through no fault of our own Loan Depot allowed too much time to elapse, due to this all of the pricing and discounts were erased. Again, we had no communication from loan depot telling us anything had changed. Through numerous phone calls and emails, we finally reached XXXX XXXX. He ultimately told us due to loan depot not submitting things in a timely fashion we lost all discounts and pricing. Again we gave him over a week to try and rectify the errors by loan depot. Again, no communication. Finally, after numerous attempts we reached XXXX XXXX, he eventually told us his superiors refused to fix the issue. We then called to try and speak with his superiors and were connected with XXXX XXXX who used to be his manager. XXXX XXXX assured us we would hear from someone by XX/XX/21 regarding our issue. It is now XX/XX/21 and weve heard from noone. Have reached out to XXXX XXXX, no response. Have reached out to XXXX XXXX, XXXX XXXX XXXX, hes out of the office. Finally called customer service, got the run around, was on hold for 15+ minutes just to be told that XXXX XXXX would call me back, then was summarily dismissed quite rudely. 

This process started in mid to late XXXX. Earliest email I could find was XX/XX/21. 
They refuse to stand by their loan quote. Due to their lack of time management our loan unlocked. They refuse to stand by their offer. It was THEIR fault it wasn't submitted in a timely fashion. 

I believe they need to stand by their initial offer. We went from getting money back at closing to owing them over {$19000.00} at closing. We find this highly inappropriate and need to find some type of closure on this. They refuse to communicate with us.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.