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

I already wrote to Transunion twice now to dispute several hard inquiries that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX. XXXX XXXX  ( XXXX ) XX/XX/2024 XXXX. XXXX XXXX XXXX  ( Bank ) XX/XX/2024 XXXX. XXXX  XXXX ( Bank ) XX/XX/2024 Transunion is refusing to do my investigation. Please see the attached old and follow up letters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX dba with XXXX XXXX XXXX XXXX is charging over {$700.00} cash USD interest on XXXX of {$300.00} in 2024. And they are reporting to Experian gross higher USD loans on customer credit reports as new loans, including interest and not reporting previous loans paid off by customers in 2024. Also Store employees admittedly asking g XXXX XXXX XXXX XXXX for their Branch MOS/Job title and sharing that information to other persons for monetized gains unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act, XXXX XXXXl account number XXXX and XXXX XXXX XXXX XXXX account number XXXX have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I made a dispute with TransUnion numerous times about their misuse and reporting information incorrect on my personal credit report. This is my second attempt going through the CFPB to resolve this issue amicably ( first complaint ID is XXXX. TransUnion has violated my rights are a consumer under the FCRA. I requested for them to resolve of them violating my rights as a consumer under the FCRA by blocking and delete the items associate with them within 4 DAYS. They stated that I need to mail the complaint to their office. On XX/XX/XXXX I mailed all documents certified ( USPS confimed cert # XXXX ). On XX/XX/XXXX they responded in a secure message ( please see attached email ) to me that the information still was not clear. I have attached the original letter with the account numbers and specific details. It seems as if I am having a difficult time with TransUnion not abide by the FCRA and my consume rights for privacy. It has been over 2 weeks and this has not been resolved. I have attached the list of items that must be block and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$13000.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Debt collection

CBE Group is attempting to collect on a debt I do not owe. This debt has been paid and should not be on my credit. Also, I never received any notification regarding this debt. No phone calls or letters. I did not know about this debt until I pulled my credit file. This is a violation of my 30 day right to dispute and needs to be removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / orig creditor XXXX XXXX AMOUNT OWED - XXXX Date account opened XX/XX/2018 ARS ACCOUNT RESOLUTION AMOUNT OWED- {$690.00} Dates opened XX/XX/2018 Ive asked both these debt collectors to remove this from my credit report nothing has changed Ive reached out to all 3 major credit bureaus and disputed vigorously still nothing has been done Ive sent credit letters with proof that I was incarcerated at the time of these accounts being opened, now Im being challenged to produce a police report
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

FCRA 15 U.S.C. 1681i : ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. 
I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS.
Product: Checking or savings account

Pnc bank is blaming me for an ach deposit being recalled after 3 months. The have locked my account and told me there is nothing more they can do till the investigation is over. Meantime direct deposits continue into the account. And my bills dont get psid and i cant get to work due to no fuel in my car. Totally unfair that PNC makes consumers feel like the criminal instead of going after the criminal. And as of today no offer to fix the prblem.has been offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent a debt validation letter to XXXXXXXX XXXX for account # XXXX my report states that I owe a debt of {$220000.00}. I have no knowledge of this account and it needs to be removed
Product: Checking or savings account

Have not reimbursed from false fees and freeze on deposit from class action lawsuit that were my account was effected by there negligence
Product: Credit card

Hi sir/madam, Account no XXXX I have observed recently that my XXXX score being affected because of defaulting of payments of AMEX card but I am not using any AMEX card and you may check any transactions of mine. Because of AMEX card, my XXXX score is reduced very badly.

I am not aware of this AMEX credit card related and have not even used it once. I have also found details of this account number in my XXXX report which I generated recently. I have mailed to all the customer service mails of Amex bank but of no response/ Hence please stop this AMEX card transactions immediately and close the card and advice for reversal my XXXX score immediately. 

Thanks and Regards XXXX XXXX XXXX XXXX
Product: Debt collection

I continue to receive calls from Chase Receivables concerning a debt owed by someone that I do not know and who does not reside at my address or phone number. The debt call are for someone named XXXX XXXX. These calls have been occurring for over 3 years. 

I have repeatedly requested that my phone number be removed from XXXX XXXX 's database. but they continue to call seveal times every day and harass me about this unknown person. 

I want these call stopped. 

Chase Receivables mailing address is XXXX XXXX XXXX, CA XXXX XXXX XXXX The harassing phone calls originate from XXXX.
Product: Mortgage

This XXXX named company, " Mr. Cooper '' has once again tried to generate more funds via a charade on force placed insurance. This go round it is force placed flood insurance. They make if very difficult for one to provide the support they request for existing flood insurance. 
They use a site other than their mortgage site to upload documents to never noting on the main site in an easy location the link to that site. 

Once finally finding the other site, I found they did not have the same loan number showing on the XXXX  " Mr. Cooper '' site as my loan. Finally, getting the loan number to which it is associated. I uploaded documents. It is very difficulty and unclear and they use several upload areas. I uploaded by current flood insurance certificate from my condo insurance coverage in all of the various areas one could upload. 

I have now rec 'd an email that they have force placed flood insurance at over {$800.00}. They take far too much time to manage their horrid and inadequate processes. Rather repairing their issues and making it simple for one to provide documents, they make it as difficult and time consuming as possible so as to enable them to generate unearned and egregiously high fees!!! {$800.00}! REALLY!!! THERE IS NO JUSTIFICATION FOR THIS FEE LEVEL!!!! 

IT IS TIME THESE PEOPLE BE STOPPED FROM ATTEMPTED ROBBERY!!! 

FURTHER, THEY DO NOT PROVIDE A PHONE NUMBER ONE CAN CALL TO EASILY RESPOND TO THEIR OWN LACK OF DOCUMENT TRACKING, BUT RATHER PROVIDE A MAIN NUMBER ONE MUST WADE THROUGH TO GET TO A PERSON WHO THEN CONNECTS ONE TO AN INSURANCE DEPARTMENT THAT IS NOT PROPERLY STAFFED AND ASKS ONE TO LEAVE A MESSAGE!!!

MY LAST EXPERIENCE WITH THIS FIRM OF THEFT WAS THEIR PLACEMENT OF A {$5000.00} COST FOR WALLS IN HO6 INSURANCE!!! THEY HAD VIA AGGRESSIVE MARKETING CONVINCED ME TO REFI TO GAIN A LOWER RATE. I HAD NOT PREVIOUSLY BEEN REQUIRED TO HAVE HO6 INSURANCE AND THE SNUCK IT IT THEREBY ACTUALLY ENDING UP TO INCREASE MY MONTHLY COSTS. I AM NOW SURE THAT WAS NOT BY ACCIDENT, THE REFINANCE LOWER RATE BAIT WAS ONLY A PLOY TO FORCE ME TO PAY THEM FOR FORCE PLACED HO6. THEY THREATENED, LIKE XXXX  XXXX  XXXX  TO FORECLOSE UNLESS I CAUGHED UP THE {$5000.00} WHICH I DID. WHEN I PROVIDED THEM THE HO6 COVERAGE, WHICH ONLY COST {$450.00} FROM AN INSURANCE PROVIDER, THEY RESPONDED THAT IT HAD NOT BEEN COVERED FOR 6 MONTHS AND THEY THEREFORE WERE ENTITLED TO THE {$5000.00}! WHEN I REPORTED THIS TO THE CFPB I GOT NO RESPONSE FROM THEM. UPON LATER CHECKING BACK WITH THE CFPB IT FOUND IT SAID THAT IS HAD BEEN RESOLVED TO WHICH I RESPONDED BY FILING ANOTHER CFPB COMPLAINT THAT IT HAD NOT. THEY FINALLY GOT BACK WITH ME TO SAY THEY HAD PUT THE MONEY IN MY ESCROW ACCOUNT AND " DIDN'T KNOW '' I WOULD WANT THE MONEY BACK!!!! IMAGINE!!! WHO WOULD WANT THEM TO HOLD MY MONEY!!! THESE PEOPLE ACT WITH CRIMINAL MINDS!!! THEY ARE THIEVES!! 

THIS NEEDS TO STOP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been XXXX credit accounts that were opened within the last 7 years that I did not open I found out who was using my name and social that individual opened bank accounts and cashed false checks under my name. 
That person happened to be XXXX XXXX. That is the individual ruining my credit and putting my credit at the bad standings that I'm in now I need to get this all fixed I'm in check system due to this man. 
The companies that I need the debt fixed due to this individual is ( XXXX XXXX XXXX {$810.00} ) ( Midland funding LLC XXXX Also XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX credit report, l noticed that ; BANK OF AMERICA reported a hard inquiry on XX/XX/2018 which l have no idea about it.
Product: Credit reporting or other personal consumer reports

Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Account name PARAMOUNT RECOVERY SYSTEM I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I presumed that there is no proof of that alleged debt, nor any such debt, in fact, exists.
Product: Credit reporting or other personal consumer reports

Please delete XXXX XX/XX/XXXX XXXX Did not authorize. Never applied to this company
Product: Credit reporting or other personal consumer reports

I have been dealing with LexisNexis since XXXX, thought information was already corrected but it was not. Have been dealing with them for months and get mixed responses. Sometimes, they say they can not " authenticate me '' and want me to provide additional information that I believe they have no authority to ask for like, passport copy, driver 's license, notarized documents, bank, bills. They do have my Social Security, my birthday, my wife information ( she appears in my report but I am not in her, as if she were single ) marriage entries are four when I only been married in my life once and I am XXXX XXXX XXXX. Car information, email addresses from companies that do not serve the area. My cell phone and my wife is in my report. They do not remove my wife 's phone yet is in my wife report too in addition to my land phone. It is a burthen trying to correct information when contacting their sources because they do not respond or no longer in business ( outdated information ) like XXXX XXXX went out of business but yet it shows they have an interest in my wife car. LexisNexis is providing incorrect information that cost in insurance premiums and provides a wrong/incorrect value as to the risk and value on my " persona '' It is very difficult and costly to deal with them they do not verify the information they impute as yours. My name and my address : XXXX now the started spelling as : XXXX  in my address, with my middle name and first name. With this pretext they request me to provide more information. At the same time when they at some point say they can not authenticate me, they go to XXXX, XXXX, and XXXX and they access my file with no problem at all.
Product: Debt collection

Over about 5 years no one has contacted me before that I know to an old home someone served me something but after that no one has ever contacted me and now they took my whole account and me and my XXXX year old will be homeless I wrote a check for rent that will bounce and we have nothing for XXXX credit they have XXXX interst and fees are XXXX.
Product: Student loan

I submitted a request to have my payments counts updated in response to the public service loan forgiveness program. I have submitted all the requested paperwork, however, the form, which is accurate, keeps getting rejected by MOHELA. When I address the issue and resubmit the form, the 90-day processing time starts over. It seems like an endless process on their end to update my payment counts for the PSLF program. I have gone through this process at least 3 times and each time I get pushed to the back of the queue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim ; his information was used to apply for an account with XXXX/WalMart  without his consent. The account was established and a balance of {$630.00} was incurred and then reported to each of the credit bureaus. A dispute of this account was sent to XXXX/WalMart and a response concerning the receipt of that dispute was sent however we have now reached the 45 business day threshold outlined in the FCRA for the re-investigation to be completed however XXXX XXXX has not been contacted concerning the results of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see Transunion said they validated this information by the attached old complaint, but if you review the information I provided, there are several items that are being reported inaccurately and illegally.
Product: Mortgage

We have a mortgage with Ranlife.com. In XXXX we were paying the mortgage late but within 30 days and paying the late fee as our SS doesn't come in until later in the month. 
The loan number in XXXX was XXXX and we could access it online. In XX/XX/XXXX Ranlife, changed the servicing and loan number to a number ending in XXXX and change the web site for payment to https : //ranlife.servicingdivision.com/. We wanted to start paying within the 10 day allowance in XXXX, so we made an additional payment in XX/XX/XXXX. Their online records, do not match our bank statements ... see below My bank payment record shows : Their record record shows : XX/XX/XXXX {$1500.00} {$1500.00} XXXX XX/XX/XXXX {$1500.00} {$1500.00} XX/XX/XXXX this is the 2nd payment in XXXX .... this was a catch up payment XX/XX/XXXX {$1500.00} {$1500.00} XXXX XX/XX/XXXX {$1600.00} {$1600.00} XXXX XX/XX/XXXX {$1500.00} {$150000.00} XX/XX/XXXX {$1600.00} you no payment XX/XX/XXXX {$1900.00} don't have your XXXX record We also need the XXXX record from them. WE have asked them several times for the XXXX record and to make the XXXX record correct. So far they have responded but not completely. 

We have the bank payment evidence, we want them to correct their records an d make the XXXX record available to us. 

If you can help us with this we most appreciate it .. Thank you XXXX XXXX XXXX XXXX XXXX email XXXX XXXX
Product: Checking or savings account

Attempted to withdraw XXXX dollars from ATM. Money never came out and message came up that they had a hard time retrieving money and the transaction would be cancelled. And was told the transaction reversed and would be credited. Was never credited. When calling Bank of America half of them said it was cancelled half said it wasnt cancelled. No credit issued as of yet
Product: Checking or savings account

Credit Karma account inaccessibility due to loss of email and change of phone number since XX/XX/year>. I have attempted to access my Credit Karma Account to view my credit info, my tax info and my Credit Karma Debit card. I have reached out since XX/XX/year> by email, phone, chat, you name it, still no resolution to gain access to my Credit Karma Account or the Debit card on file. Credit Karma withdraws a dollar from my XXXX XXXX Account each month without fail but can not resolve the issue at hand even though I provided my Name, DOB, Last 4 digits of my Social Security number, my license with photo, and Credit Karma Debit card picture and account number, my new phone number and email address from which I email them all this information along with providing my old email address and phone number to prove and link me to my Credit Karma Account. Credit Karma response? You need to reach out to us via your new email address! Totally unprofessional and unacceptable. I have done so repeatedly! At least 10 separate times! I expressed my dissatisfaction and told them I would address this with the consumer protection. Havent heard from them since. I want access to my Credit Karma Account which has all my personal information. In fact I want to press charges at this point!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under The fair credit reporting act states : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Please remove the following items from my credit report, immediately. 


XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's finding indicate the Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX XXXX Experian XXXX XXXX above this account is listed but as three different accounts it's all showing in correct information that does not belong to me. I've tried getting this removed before. 

it's showing across all three pass due on a " collection '' Date Last Payment : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate Experian XX/XX/XXXX Inaccurate XXXX High Credit : XXXX Inaccurate XXXX XXXX Inaccurate Experian XXXX Inaccurate XXXX These above is showing the high balance is higher than the original balance of the account that was opened. 

Last Reported : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate Experian XX/XX/XXXX Inaccurate XXXX ALL OF THIS INFORMATION IS INCORRECT & NEEDS TO BE REMOVED.