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

I have attempted to resolve the inaccurate information and fraudulent inquiries being reported on my credit report on several occasions. With each interaction with Transunion, they do nothing to assist me in resolving their errors. Fraudulent inquiries remain on my credit report and inaccurate, outdated personal information yet remains as well.

Transunion is in clear violation of FCRA laws 15 USC 1681b and 15 USC 1681i. According to XXXX XXXX XXXX XXXX, Transunion is required to ensure MAXIMUM POSSIBLE ACCURACY. To date, THEY HAVE NOT! There must be an authority that demands justice for me as a consumer and forces companies like Transunion to uphold the law. I just want my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate Account Number : 9871 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation
Product: Money transfer, virtual currency, or money service

Money Gram has been holding my {$200.00} since XXXX and the only explanation they gave me for weeks were ( 1 ) it's under review ( 2 ) the money arrived and was picked up but the merchant provided factual information that it didn't come through ( 3 ) now Money Gram has changed it's story as soon as I told them I was gon na report them to the Government. Now they claim that it's worth looking into what happened exactly. Money Gram tried to keep my money twice until I demanded my money back and the system keeps cutting off every time I would request my money. They finally released my money back into my account. But as far as the XX/XX/XXXX transfer Money Gram is still holding my money. I read that Money Gram has been known for these kinds of practices before. I just want Money Gram to return back my money they have withheld since XX/XX/2023 XXXX
Product: Mortgage

We have been with Nationstar for several years. We fell behind in our mortgage due to life situations ( roof leaking, house flooding, water heater breaking, refrigerator going up ). We have attempted on Several occasions to get some type of assistance from Nationstar. We have have mailed, faxed, documents for a modification several times over the years. We have received constant responses like we did n't get them, someone will call you and they never do. Recently we received paperwork telling us we needed to make a payment by XXXX XXXX or our account would go into foreclosure. When i called on XXXX XXXX the day i was paid they refused to allow me to make a one month payment. Even though we would not be 90 days delinquent until XXXX. They wanted us to make a payment of XXXX dollars. I even tried getting them to take the payment on XXXX and then schedule XXXX for XXXX and they refused. They told me to file another modification request if i could not produce XXXX dollars by XXXX. This time i uploaded the documents directly to their website and am awaiting a reply i we have many time over the years. Nationstar has not been a company willing to help you through the years. They sit back and wait to take your property. Each representative you talk to tells you something different and when you call no one is helpful in helping you resolve your issue. This company would not allow me to make a one month payment which would have kept my home out of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and IQ DATA INTERNATIONAL/ XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXXhat opened last XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not allowed access to my credit report, online, for nearly a year. There is no explanation given.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some collections, charge off that I did not approve anyone to pull my credit report.
Product: Debt collection

I keep receiving messages from ( XXXX ) XXXX like the following : MSG on behalf of XXXX Texas XXXX XXXX ; MSGs may be monitored/recorded. For details tap XXXX XXXX XXXX # XXXX to receive balance info, reply YES. To OptOut reply STOP I never gave them permission to send me text messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report my name wrong on my credit report. Per the Fair Credit Reporting Act, Experian must report ALL my information 100 % accurately. Failure to do so will result in a violation. Attached is my government identity and should not report any other names on my credit file other than on this ID. Also I have attached a bank statement with identical information. Experian : PLEASE UPDATE YOUR RECORDS TO REFLECT THIS INFORMATION IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

hi there was a fraud with my wire transfer to my coinbase I lost XXXX dolors I called my bank if they can recover my money and cost these transactions but they did not help me
Product: Credit card

My bank card has been scamed into and money way taken out of. I have been contacting my bank but noones done anything.
Product: Credit reporting

I submitted a dispute with Experian regarding information on my credit report that they were reporting that was very concerning to me on XXXX XXXX, 2015. Experian responded to my dispute stating that they believed they had received a suspicious request and would not be investigating the information I was disputing. I sent Experian another dispute on XXXX XXXX, 2015 via fax as I received their fax number from a representative over the phone and also sent them a copy of their response and all of the documents they needed to update my credit file. They have not responded and it has been over 45 days since my dispute was submitted to their company.
Product: Credit reporting or other personal consumer reports

This serves as a follow-up to my previous complaint dated XXXX I am scheduled to update my credit reports once again within 15 days from today, and I anticipate further deletion updates from XXXX, Equifax, and XXXX. I have taken the initiative to list the items here once again and re-attached my new FTC report with # XXXX. The items for removal are listed per bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I made a purchase on XXXX XXXX XXXXs website with my Barclays credit card. The amount of the purchase was $XXXX for a shirt and pants. The item did not fit and it was returned to the seller. On waiting on my refund from XXXX XXXX XXXX they emailed me and said that they couldn’t issue me a refund because it didn’t comply with their return policy by assuming that the item was worn. They re-shipped the item to me but I refused the package because I know the item was never worn! I contacted XXXX XXXX XXXX and ensured them that the product was returned exactly how I received it and I proceeded to file a claim with Barclays Card services. On filing a claim with Barclays after about a month I received a letter from Barclays stating that XXXX XXXX XXXX said I never contacted them which was not true and the over all reason for the decision to not go in my favor was stated that “the primary has no proof the sizes ordered differed from the size that was received” which was far from the truth of why XXXX XXXX XXXX first contacted me. I re-opened the case and submitted the necessary evidence and documents showing that XXXX XXXX XXXX submitted untrue information. I hadn’t heard from Barclays so I contacted them about a month after. They informed me that the case still did not go in my favor because they cannot override the policy of the seller. Barclays said they would send me a letter and I’ve been waiting for it almost 2 months now. This is a completely unfair decision. XXXX XXXX XXXX still has the merchandise in their possession, in addition to the charged amount of $XXXX. Barclays has left the charges on my card and it has been accumulating interest! They have submitted zero evidence that the item was sent back worn except for XXXX XXXX XXXX saying that. I submitted evidence stating that the company has lied and they still made the decision in XXXX XXXX XXXX favor. I would think my card company would try their best to get me my reimbursement, instead they were very negligent and unfair in dealing with this matter. They have failed me as a long term customer and this matter needs to be rectified immediately.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX  Credit Bureau is reporting inaccurate information on AD ASTRA REC. Per FCRA, reporting must be 100 % accurate or the information must be removed. Asses this reporting by making a revision of the information provided. Change and perform any corrections or eliminate this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES XXXX needs to supply a promissory note between myself and them from the dates they reported I took out a loan with them in 2006. If they do not have a promissory note for the account they claimed I opened and signed for with them I want it removed from my report.
Product: Debt collection

Creditor name Credit collection services violated my rights and unlawfully has reported to all three of the credit bureaus. How they violated my rights and unlawfully reported to my credit report because they haven't notified me of any debt so I may dispute the debt in which the debt comes to find out isn't mine. I haven't received any letter, email nor call from either them or liberty mutual in the debt amount they are trying to pursue. It has been known, I have been a victim of fraud which resorted to subject towards a credit freeze recently because someone is using my social security number to apply for various of things without my knowledge or permission. I am seeking to request due to the circumstances this collection to wipe off my credit report due to the violation rights and fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds very quickly stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( Case Number XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I disputed as inaccurate. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX
Product: Debt collection

I received a collection notice for an amount of {$630.00} from CBK ( http : //cbofks.com/ ) date XX/XX/XXXX. I spoke with them and was informed this was submitted by the creditor XXXX XXXX XXXX XXXX. They did not want to undertake any action when I informed them they sent this to the wrong person. They also had no other information they could provide other than a date of birth and the creditor name. 

In order to get more information, I spoke with the XXXXXXXX XXXX XXXXXXXX XXXX and was informed this debt was because of an unpaid ticket for running a red-light and driving without a license in XXXX, Kansas in XXXX. 

However, this debt is for a person with a similar name to mine. The only difference is they have a middle name, and I do not. When XXXX XXXX  XXXX involved CBK to collect this debt they sent the full name and date of birth for this person. And CBK decided that this person is me and sent a collection letter to my address. 

I have no middle name, I have never had a middle name, and I have never gone by any other name. All of my official government issued documents ( Passport, Driver 's License, Birth Certificate, Vehicle Registration, etc ) do not have a middle name. 

Furthermore, I have never been to Liberal, Kansas, I have never lived in Liberal, Kansas, or any other place in Kansas. I have never even passed through, or set foot inside of Kansas. 

This debt collection was mistakenly to the wrong person, solely based on the fact that we have a similar name, and the same birthday. CBK did not undergo their due diligence when sending the debt collection letter to my address.
Product: Debt collection

I believe XXXX rental car company overcharged me and took my money. XXXX also createed a unauthorized charge on my debit card above {$4000.00} dollars. My credit reports have suffered tremendously. I want this off my credit reports please. Thank you in advance! 
Also, I paid XXXX company thousands of dollars, the fees should not be {$3800.00} remaining. My reports says it is a charge-off from my DEBIT CARD at XXXX XXXX XXXX  XXXX This amount is not accurate nor correct. I was hospitalized and took advantage of at the same time. Please help me?
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that I did not apply for or consent to. These fraudulent inquiries have negatively impacted my credit score and causing unnecessary concern for the security of my personal information, and despite contacting Experian, they still remain. I was assured by a representative that they would be removed, yet I continue to see them on my report, adding unnecessary stress to my life. I have previously notified Experian of these unknown, unauthorized and fraudulent inquiries and they have deleted some but not all of it, these unauthorized inquiries puts my personal information at risk.
Product: Debt collection

I sent letter to this company about validation that i owe them In the letter that was sent to me it stated that they got the validation from a company called XXXX XXXX XXXX. The validation letter states XXXX XXXX. 

They also stated that XXXX XXXX was the original creditor. But P $ B IS WHO is on my report When
Product: Mortgage

I have had a very difficult time dealing with XXXX ( subserviced by Loancare ). My account has always been current ( no missed payments ). First, they transferred my servicing to Loancare and didn't make it clear when/if my autodraft would commence. Apparently it would not commence in time for the XX/XX/XXXX due date and so I wasn't aware my XX/XX/XXXX payment did not go through as a result. I went to the website, which was down and inaccessible. I called their customer service to make a one-time payment and set up autodraft. Then, when the website was back up, I was unable to find a record of the one-time payment. So I initiated a one-time payment myself on XX/XX/XXXX. Then, a few days later, my one-time payment and another one-time payment went through, effectively causing my account to be drafted for two payments at once. At this point, I want to have my autodraft suspend the XX/XX/XXXX payment since I am paid through to XX/XX/XXXX. However, the website is telling me that I can not access the autodraft information online. Just a week ago, I was able to. I do not have time to keep calling Loancare/XXXX to fix problems due to their sloppy website and communication with borrowers.
Product: Debt collection

Company Put multiple & duplicate items on my credit reports, they have never provided me with a signed contract or any validation of debt, dates are inaccurate and that the debt owed is owned by them
Product: Debt collection

On XX/XX/2023 I received notification through experian credit services that a collection was reported for XXXX dollars for tn chipd support. I have a cirrent income withholding order through my place of work and money is bwikg taking out per pay period for child support. I was not notified by Tennessee dhs xhild support that a past due amount was being considered to be filed on my credit report as not paid or up for collections. The IRS has already taken the amount which i was just notified but they still placed the account for collections wothout ever sending any notification of any kind giving me a chance to fix this issue before reporting negatively to the credit bureaus. I was not notified by law by TN stautes and it is unlawful. I want it removed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost a lot of my personal documents in 2017 during the Texas hurricane. Since then, i have been receiving a lot of mail since my house is now fixed and in livable condition. I checked my credit report, and it is a lot of accounts on my credit report that do not belong to me. i have filed a police report and i will include the incident number along with additional fraud accounts that are on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Reporting - XXXXXXXX XXXX XXXX ( Account Number : XXXX ) Dear Experian Dispute Department, I am writing to formally dispute the information being reported on my credit report by XXXXXXXX XXXX  XXXX regarding the account referenced above. There are significant inaccuracies in the reported balance, and I have not received the required IRS

Form 1099-C as mandated by federal law. Basis of Dispute : Incorrect Balance Reporting : The reported balance of {$850.00} is incorrect. The original credit line for this account was {$600.00}, and the account has since been charged off by XXXX XXXX XXXXXXXX. Under U.S. law, once a debt has been written off and a creditor cancels the debt, the balance should not exceed the original credit limit. The reported balance is not only inaccurate but also misleading. 

Failure to Provide Form 1099-C : According to the IRS regulations under 26 U.S. Code 6050P, a creditor is required to issue a Form 1099-C to the debtor when a debt of {$600.00} or more is canceled or forgiven. To date, I have not received any such form from XXXXXXXX XXXX XXXX This failure to comply with federal reporting requirements further questions the validity of the information being reported to Experian. 

Request for Action : Given these inaccuracies and regulatory non-compliance, I request the following : Immediate removal of this account from my credit report : The information provided by XXXXXXXX XXXX XXXXXXXX is inaccurate and does not adhere to the U.S. Code. 
Investigation of the reported information : Please initiate an investigation into this account, verifying the accuracy of the reported balance and ensuring that it complies with federal regulations. 

I expect this matter to be resolved promptly. Please notify me in writing of the outcome of your investigation and any actions taken. If you require additional information or documentation, do not hesitate to contact me. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( Account Number : XXXX )