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

Reviewed most recent credit report from Transunion and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised there were not any applications on file with their company and should dispute with Transunion. The dispute with Transunion was met with pushback and no resolution. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Mortgage

Quicken first committed bait and switch practices by stating I would get a full refund for a XXXX dollar deposit, when I did not receive the full refund I called to find out why, their terms and conditions state they can pull fees from that deposit. 
Quicken then assisted the appraisal company in committing fraud by stating repairs had been verified as completed when they had not, resulting another inspection. I submitted evidence and was able to get this XXXX fee waived. 
Quicken was caught in lies several times, they would tell me one thing about the process and then when I spoke to my realtor I found out the truth was entirely different. I believe this is because I am a first time home buyer with a small loan, Quicken tried to take advantage of me. 
And finally they are committing extortion. My closing was pushed back several weeks due to their mishandling and even though weeks ago I asked them to get a fee waived by the appraisal company because this company committed fraud in order to generate more income ( they claimed they did not have full access to property when all sellers, realtors, and I can confirm all keys were available at time of appraisal. ) They made no attempts to get this corrected until XXXX ( this was requested XXXX ) and now that I am at closing I was informed I ca n't close on my house if I continue to fight these fees. If I close on the house then I waive my rights to fight the charges. They know that I have no choice to accept the extra charges because I had been required to vacate my current residence XXXX. I feel they purposely waited and backed me into a corner where they could take the most advantage of me. As they push my loan farther and farther back I get closer to the point where my rate will no longer be locked in, and they will have the opportunity to raise it, I am afraid this is the direction this is headed in, and again I will have no choice but to accept it because I desperately need a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me 30 days past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

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

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX Data BreachXXXX Identity Theft all is being investigated by the FTC . According to FCRA 605B this information must be blocked immediately until the investigation over
Product: Debt collection

On XXXX this company reported to my credit report that I owe {$3400.00} which is a direct result of fraud and identity theft. I was not contacted prior to reporting and would like it removed from my credit reports asap.
Product: Credit reporting or other personal consumer reports

This is my fifth times writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX XXXX XXXX Please delete all other names and addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other addresses and names below : Names : XXXX XXXX XXXX XXXX XXXX Addresses : 656 PENSTOCK PATH HAMPTON, GA 30228-4932 5257 N DIXIE HWY APT B1 OAKLAND PARK , FL 33334-4096 656 PENSTOCK PATCH HAMPTON, GA 30228 . 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> my bank account with this company showed XXXX dollars and there were widespread incidents of this across the nation. The day this happened my debit card was fraudulently charged for XXXX to XXXX network. I have a XXXX account but have no receipt or record of this charge being from my account. They never provided proof after making multiple claims XXXX extremely disappointed even though its only XXXX XXXX
Product: Mortgage

XXXX mortgage had my principal balance at {$130000.00} XX/XX/XXXX. XXXX changed the servicer to Select Portfolio Servicing. XXXX fraudulently submitted a Modification that XXXX never signed in XX/XX/XXXX. 
I was in XXXX XXXX Bankruptcy in XXXX when XXXX XXXX  submitted their proof of claim as {$130000.00} as my principal balance. Now it is at {$230000.00} with Select Portfolio, please investigate XXXX XXXX for this fraudulent crime.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX, and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Product: Payday loan

Leader Cashnetusa will not stop contacting my employer and have been advised in writing two times that it is prohibited by my employer and to stop calling my work. They have there reason to know in writing that my employer prohibits these calls. It was required by them to provide a work phone number to process my application so I did so. They are contacting my employer XXXX 3 times a day.In addition they contact me non stop several times a day. My work requires the phone to be emergency or non emergency calls and again is prohibited from being used for personal calls. 
I have also told them that if they continue I will file a complainant with FTC and file a suit with FDCPA. I hope this is the start and end of all far it needs to be taken for them to stop contacting my work. Thanks You in advance for trying to resolve the issue.
Product: Checking or savings account

On XXXX I reached out to PenFed credit union in regards to a deposit I needed to make. I inquired about hold times because it says it MAY be on hold for XXXX business days and of course it depends on the type of deposit and lots of factors so I reached out and was told there would not be a hold for a cashiers check. So I made the deposit and at no point while making the deposit did it say it was going on hold other than the general notification it MAY go on hold. I made the deposit and it went on hold. I reached back out to XXXX and said hey I was told there would be no hold. They said no theres a hold and to get a verification from the bank to get the hold released. I did that and the hold still did not come off. I communicated with them that I had no choice but to cancel the check itself with the issuing bank and have it reissued because I was given bad information and I wouldnt of made the deposit if I would of known. So I stopped the check and it was reissued and the one I deposited was not cleared. I was very open and honest about the situation and they closed the account on me because of it. I did nothing wrong. Its discrimination and retaliation because they think I beat them at their game and that isnt the case I just needed to you know live and eat.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or that I havesigned any agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; 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 ; VETERANS XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received notification from PayPal regarding a transaction in the amount of {$120.00} against my account at approximately XXXX on XX/XX/2019. I did not make this purchase. Further investigation showed that someone made this transaction and also set their device as the primary server. I attempted to contact PayPal and was given the runaround, the links provided to register a complaint and yielded no result. I also attempted to contact XXXX to get a refund and was given the same runaround. Finally, since ALL other means of contacting them failed, I called their customer support team and requested a refund. They said that my request would be under review and that, if approved, they would only refund the money to my XXXX accountnot my bank, but my XXXX account, as gaming credit. I didnt make These purchases, I didnt even download the games that were purchased. This was a theft and the fact that they make it so difficult to even contact them about it or have what was stolen returned to its original state is a furtherance of the crime that enables these incidents to continue.
Product: Debt collection

Requested Feedback not provided as of XX/XX/XXXX for my certified letter - USPS, nor first, yet additional, request for validation of debt owed. 

In letter, I stated I would establish a payment plan if the school agreed to the arrangement ... this occurred prior to COVID19 and full lockdown at the state level. 

Additional time was given due to COVID19. 

XXXX in XXXX charged XXXX to XXXX dollars and this range was sufficient and what I referenced in reestablishing a payment plan, which I would start sending payments on a weekly basis ( as of XX/XX/XXXX due to current work arrangement and unemployment stimulus if current employment ends ) ... previous agreement prior to XX/XX/XXXX feedback request was on a limited part time employment basis with some SSDI funds available after bills and rent. 


To my knowledge, as of XX/XX/XXXX no validation of debt have been completed and are required per the consumer protection laws, if not completed the false reports on the creditciles have to be removed. 

I was never on campus in XXXX nor after XX/XX/XXXX to establish any new loan agreements for funds from XXXX or their affiliate Reliant Capital Solutions. 

I do not owe any amounts ranging from XXXX to XXXX dollars, but I'm definitely aware of the range from XXXX to XXXX and am open fo paying those according to our prior payment arrangement with XXXX Cashiers Office, as indicated in 1st request for validation of debt prior to XX/XX/XXXX feedback request. 

Any additional attempts to collect these amounts are further retaliation efforts, which need to not only be documented, but forwarded to the appropriate Department of Education and other overseeing agencies to ensure all parties can resolve this by way mediation ... if taken to trial, certified letter is evidence of educational Institutions noncompliance and complicit nature in prior investigations and efforts to resolve the XXXX to XXXX balance ( most a counting came from on campus living arrangements. 

All affiliated efforts to collect this account without validation need immediate removal from all credit files by both third party ( who I already have no contract with ) and original creditor ( who I have sent validation requests to ). 

Damages have no been requested at this time, but accurate information is ready for processing if needed for this request.
Product: Credit reporting or other personal consumer reports

I believe I am a victim of identity theft. I was notified by XXXX XXXX that there were multiples hard inquires on my credit. I researched and confirmed these were not me. XXXX and XXXX were prompt in freezing my credit, issuing a fraud alert, removing the hard inquires, and removing incorrect addresses. XXXX days later I still can not get TransUnion to assist. I have called multiple times and can not get to an actual person. I have created an online account and attempted to dispute online but it errors out. I have live chatted with multiple agents. I can not get anyone to assist. At XXXX point, I was told to mail XXXX my personal information so that they could start a review. XXXX is not secure and no one should be mailing personal information such as social security numbers or drivers licenses copies. TransUnion is not cooperating in helping to resolve but they are more than happy to have me sign up for a pay service to monitor my credit.
Product: Debt collection

I contacted this agency regarding a collection account. I was advised the balance is lower than stated on my credit report. I verified information to send a debt validation letter as well as information about the debt owed. I was treated very rudely by the CSR. I asked when the last attempt to contact me by phone or mail was and the agent refused to answer saying that I made him uncomfortable. I was not angry with the agent. I was asking questions about the difference in balance and was going to ask what the options were for the account but was told I was asking too many questions and just sent in documents and I was dealing into private information when I was not, I offered to verify any info needed and that I am well trained in Hipaa, CPNI and proprietary information, and he ignored my requests.
Product: Credit reporting or other personal consumer reports

In XXXX of 2018 I was shopping on the XXXX store website and my personal email acocunt with all of my identifying information ( name, birthdate, license number, social security number, address, and more ) were fraudulently stolen by hacking into my perosnal email. My information was then used to obtain credit cards, utility bills, and several inquiries ( were made fordulently without my permission or knowledge. I have filed a police report as well a fraud report with the FTC. I would like for all these items to be deleted from my credit profile. Due to this my credit profile has been negatively impacted and I wish to have those items deleted. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit card

Capitol One account # XXXX was a secured credit card account, started with a {$1500.00} deposit pushed up to {$2000.00}. Capitol One never applied deposit to amount owed on account and now have posted it as a charge off for the full amount and sold the account. But Capitol One still has account security deposit. That in itself makes the credit inquiry false and also is fraud. 

I contacted company and they could not tell me any information saying account was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had disputed with transunion about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendors XXXX or XXXX XXXX XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from transunion do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

XX/XX/2022 I had disputed with XXXX  about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting

XXXX previously reported that I had a medical charge for service in XXXX placed into collection. I challenged this record and I received notification that the XXXX XXXX in XXXX, WA erased that erroneous collection record from my credit report. Now Equifax has a record of a XXXX medical account in my name listed as in collection. I previously investigated and discovered the charge was from XXXX WA. I have not lived nor received medical services from anyone/entity in XXXX since XXXX. The record was supposed to have corrected and I just discovered that it still exists in error on my credit report. This has not been erased from my record and is very upsetting to me as I have never had any account turned over to a collection agency.