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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) XXXX XXXX  consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX .... Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$570.00} XXXXXXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX ) # # # # # # # # # # XXXX XXXX XXXX # # XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) # # # # # # # # # # # XXXX XXXX # # XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammers ) XXXX XXXX XXXX XXXX ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services.
Product: Student loan

Ed Financial does not provide any transparency on the refund process. In fact, the company representatives are saying the refund process will take 6+ months. This is not okay as other student loan providers have a turnaround time of 6-8 weeks. Something fishy is going on with Ed Financial. It appears this company is delaying the refund process so that borrowers are forced to pay the accrued interest after XX/XX/2023. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX has 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 a account without my written instructions
Product: Mortgage

I have submitted a complete short sale packet on XX/XX/XXXX2016. Once received the lender ( DI-TECH ) ordered a BPO ( broker price opinion from an REO broker which is in my opinion a conflict of interest as they they are not Licensed or Certified Property Appraisers and are not allowed to make adjustments for repairs. I was then told to get XXXX Estimates from Licensed Contractors in regards to the cost of repairs. I have done all that was requested and submitted to the lender who seems not to know what department is actually handling this short sale. There is an assigned Relationship manager named XXXX whom i have never spoke with and has not tried to make contact. There is a scheduled sale date for XXXX/XXXX/2016. and i am waiting to conform if the sale has been postponed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts 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, I have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted  without delay.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXXXXXX XXXX XXXXXXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I made a call to Citizens Bank XXXX During that call I voiced my concerns about a ATM transaction. During the call me and the rep shared a back and fourth until I realized hey enough is enough and let the call go. The rep who goes by the name of XXXX deactivated my debit card so it would not be able to be used at all. During the course of the day I had a family emergency when I realized he did something to my account and without my authorization. I called and a rep reactivated the card and apologized many times for the reps actions.
Product: Bank account or service

I had two different answers from two associates. I have one response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they both have a unanswered response to my complaint and now I have attached their responses. Right now, I am not understanding both of your views.
Product: Credit card or prepaid card

On XX/XX/XXXX I Payed XXXX to XXXX XXXX using my bank of America visa card.the payment was sent to XXXX via XXXX invoice.currently XXXX XXXX is under investigation by the fbi for credit card fraud.this was a group trip with XXXX XXXX XXXX XXXX .owned and operated by Mr. XXXX XXXX.our group booked with XXXX XXXX of XXXX XXXX. This trip was to hedo in XX/XX/XXXX.recently an email was shared by Mr. XXXX letting everyone know this trip was canceled back in XX/XX/XXXX for lack of payment.most of us paid in full.XXXX  does no longer answer text or messages phone number no longer connected.its been posted on social media she has shut her business down.both my bank and XXXX tell me I'm out of luck due to being past the time frame for XXXX.
Product: Debt collection

Repeated phone calls, contacted employer and relatives after certified letter sent to company to cease all phone communication. Advised to contact debt relief company to negotiate a settlement directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent victim of identity theft. I am a consumer pursuant of 15 USC 1692-A3. XXXX, XXXX  and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ) ; failure to delete requested accounts, names, addresses and inquiries related to identity theft. Please remove requested accounts, names, addresses and inquiries. An FTC/Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 



Department of Education : Account # XXXX Amount {$49000.00} XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX/XXXX XXXX : Account # XXXX Amount {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX
Product: Debt collection

Received a notice in the mail for a massive debt. The debt said I owed USAA the company a debt of over {$20000.00}. I have never had USAA as a company, nor am I aware of any debt I have ever had for any reason with such a high amount, and the date the said XX/XX/XXXX doesn't ring a bell at all. So I responded to the debt letter with a request for verification, I did this through the USPS with certified mail with signature required so I know they received the letter as I only had 30 days to reply. The letter they sent said it was mailed XX/XX/XXXX, although I did not receive the letter until the XXXX of XXXX, so this left just a short amount of time to reply. Around XX/XX/XXXX I received my letter back saying it was refused, despite 3 attempts to deliver. I can only assume they do this on purpose to make sure no one can ask for validity within that first 30 days. I have my letter, proof they attempted to deliver the letter and proof they refused it. I couldn't send another letter and make it there within that first 30 days. The company name is XXXX, XXXX. The address I sent it to is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX The actual amount of this is supposed debt is {$20.00}, XXXX. I have included a copy of that letter on the upload area without signature since I printed it and signed then sent it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to conduct an investigation into my credit dispute to make sure of the information on my credit file is 100 % accurate incorrect. The fcra explicitly states that when a consumer disputes the accuracy of information in their credit file, the credit reporting agency ( CRA ) must investigate the disputed information.

I submitted a dispute regarding inaccurate credit inquirys and requested an investigation into the reporting of these inquiry. However, rather than conducting an independent investigation as required by law, TransUnion referred me to the company that made the inquirys, suggesting that I contact them directly. This is a direct violation of my rights under the FCRA, as TransUnion has a legal duty to conduct its own investigation and can not merely rely on the furnishing companys response without a proper review.

Furthermore, under FCRA, 15 U.S.C. 1681i ( a ) ( 2 ), TransUnion is required to notify the furnisher of the disputed information within five business days and must provide the consumer with the results of the investigation within the legally prescribed timeframe. Since TransUnion failed to properly investigate my dispute and instead improperly deferred responsibility to the original creditor, it has denied me my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is not reporting this account with XXXX store card as a paid and settled account. Paid charge off
Product: Credit reporting or other personal consumer reports

this is part of complaint filed same problem as case XXXX I guess I must send this to each company involved its been sent to XXXX XXXX  same for XXXX which is located at XXXX XXXX XXXX XXXX az XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

This is my fifth 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 XXXXXXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My identity was compromised around XX/XX/2016, and I then reported it to the three different credit bureaus asking them to implement a 'Fraud alert ' on my account, so that if anyone opened an account, they would need to verbally confirm with me. 

I just found out last week that Experian had implemented a Credit Freeze, instead of a Fraud alert. It appears they are using this as a method to get people to sign up for their IDWorks ( {$24.00} per month ) which I did in an effort to get the freeze removed. 

Also, there is NO PHONE NUMBER where you can talk to them directly. The only way to get through was to sign up for the {$24.00} per month plan. 

Outrageous! Since I can not get a credit card without them removing the freeze!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, United States Department of Education account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

My mortgage loan was transferred to " mr cooper '' from XXXX XXXX XXXX. I read on the internet that it was a buyout. I was notified this transfer was occurring on the very day it was scheduled to do so, not 15 days as required by law. No explanation ... Nothing. This was a shock. I have not received my mortgage statement and I am hesitant to pay my mortgage that I should have paid 16 days ago.
Product: Debt collection

On XX/XX/XXXX I received a notification from my Credit Karma that I had a new collections on my account. I was confused because I did not have any documentation of a collections I owed so I gave the agency a call. The agency COLUMBIA DEBT RECOVERY XXXX DBA XXXX, had wrong information regarding my birthday and my address and then told me that the debt was for an utility/leasing bill for Arrive XXXX XXXX XXXX XXXX TN XXXX I have never lived outside of California or Nevada before, nor have I ever had my own apartment so I knew this had to be identity theft. I told the agency that this was not my debt and someone had stolen my identity and they provided me with information to contact the apartment complex. When I originally contacted the apartment complex over the phone on XX/XX/XXXX, I was originally told that there was no account in my name and that someone just filled out an application but never finished it so there was nothing charged to them. I found this strange because if there was no record of an account in my name, how was it given to a collections company. After I continuously reached out to the assistant XXXX of the complex, XXXX XXXX ( XXXX Community XXXX, XXXX XXXX ) she no longer was willing to speak to me about this problem and I was pushed off to speak to their central collections agency. I called and was sent directly to voicemail ( not sure if the calls are off during lunch time ) so I had to do hours of research to find a number for XXXX XXXX XXXX ( owners of the apartment complex ) to speak with someone live since this is an urgent matter. I was able to hear from their HR and then another person in their accounting department XXXX XXXX who told me to email him what I have, and he would make sure the management of the complex would fix this issue because as I was told, " management are the only ones that have the original documents ( lease, proof of identification ) ''. After he forwarded my email to the mangers at the complex, the issue was still not solved due to them saying I was not in their system. Today XX/XX/XXXX I recently ( after having to reach out more than XXXX times ) received an email from XXXX XXXX ( Area XXXX, GA, NC, FL, TN and MS XXXX about the account in my name. This also was not helpful as the email only confirmed the move in/out and the billing that was due, but there is no documentation according to someone named XXXX XXXX XXXX XX/XX/XXXX in their notes stating that the previous management did not provide documents or further details regarding the resident. If there are no supporting documents, how was this bill sent to collections? I reached back out to Columbia Debt Recovery, and they only provided me with XXXX document that was given to them from XXXX XXXX XXXX which is the Summary of Move Out that just shows the name and billing but no other documentation providing this is my debt or any original documents. This has been very stressful since my XXXX XXXX has taken a huge hit and I was in the process of purchasing a home.
Product: Credit card or prepaid card

I am having significant problems with Bread Financial/Comenity Bank XXXX I have been trying for about XXXX weeks now to make payments on my XXXX Credit Card and XXXX XXXX cards. They keep saying online that you can make payments by XXXX XXXX or by phone. Neither are working. I can't reach anyone on the phone and since the XXXX account was always online ( I never got a credit card ) I can't even go to a physical store to try to make payment. They " say '' no fees will be charged but that is not what I am hearing from other consumers who are getting charged additional interest, late fees and credit reports due to this outage. No indication of when services will be restored so payments can be made again. On My XXXX card which has a balance, they keep telling me that either there is a " glitch '' or that the account is closed and on the XXXX card that there is a " glitch ''. I can not reach XXXX person on the phone either!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For years since 2017 I have been disputing with the credit bureaus to remove XXXX XXXX XXXX from my credit report, XXXX has removed this account from my report but Experian I feel is holding my life hostage, I have submitted police reports, complaint letter that was also submitted also, Now this company XXXX XXXX has resubmitted this account again to my credit report so it can stay on there another seven years which is against the law, the account is not mine I filed a Identity fraud report the officer that took the report, I have did this over and over again, I need to be able to move out of where I live, and when they run my credit this company is still on my Experian credit report. This problem started as of XX/XX/2017 and its stated that their is a debt of {$5300.00}, This is Fraud I never lived at this complex, I have no written paperwork or contact with this company and I am demanding this account to be removed from my credit report so I can move forward with my life. Please demand Experian to remove this account from my credit report, I am XXXXXXXX XXXX and have been stressed to the max with this situation.
Product: Mortgage

I was approved for a home loan with discover home loans. XXXX XXXX XXXX. Verified income. Listed debts to be paid off. Only to get to underwriting to find out there is a lein on my home From the garbage Company. An I needed to pay this first before they would finish my refinancing. I asked if it could be added to the debt. I was told know. It had to be seasoned funds, that have been in my account for the last 30 days. That I couldn't take the cash I had at home to pay for this debt, nor a credit card. It has to come from My bank account an been there for the last 30 days. I decided to cash a cahiers check that I had for me. Proof of the check. Nor statements from bank are good enough. Even showing I pulled out a large sum of cash a month or two prior to this. I keep money at home. Don't trust banking institutions, I'm being penalized for not having this money left in my account for 30 days. Even tho the cashiers check I cashed I have had over a year. I can't pay it with cash an they accept it. I can't pay with credit cards. I can't even cash the cashiers check I had for security purposes. Nor will they allow me to borrow the money from somewhere, even tho I have the cash. And proof of money coming into My bank and me withdrawing it as well as the cahises checks. I meet all there guidelines and regulations. And this issue with the lien payment and where the money is coming from is the only issue. I can't sell my stocks and it work. I can't even sell the gold or XXXX dollars for this and it will work for them. They are going to deny my loan. Not because I Dont have the money to pay the liens against my home. Because they wont except anything or way I can pay this, if it was not in my account for 30 days prior. I'm being penalized for not keeping my money in a bank. Not allowed to use tangible Assests to pay the XXXX dollar XXXX against my home. I'm a 100 % XXXX XXXX. An I'm not even allowed to Use my Va certificate. Something is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went to apply for an auto loan with a dealership known as XXXX XXXX XXXX having good credit, I allowed them to run my credit once, and they ran it four times, once through the dealership and three through various banks. So, my credit score dropped from a XXXX to a XXXX with TransUnion as a result. I did not content to them running it multiple times and am upset since I was under the impression it would just run once. Any recourse? 


XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX is the various banks that have placed hard inquiries on my credit profile.