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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, Equifax and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of several accounts opened under my name, all of those have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit, SOCIAL SECURITY, ID AND A DOCUMENT FORM WITH ALL ACCOUNTS AND HARD INQUIRIES as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX.

3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX
Product: Credit card or prepaid card

This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on.

Additionally the credit card company SYNCB/CAR CARE XXXX  continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I still have not received a response from the credit bureaus.
Product: Credit reporting or other personal consumer reports

For some reason theres various student loans accounts open when I did not have so many and I had at one point student loans is charging me double the amount owed. I reported it it took them a month around so to fix it, but never took it off my credit report so now it shows more open accounts that Im supposed to have I filed through the credit bureaus online, they still failed to fix it I believe the valid the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681a ( p ) ).

1788.101.
Product: Credit card

We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas XXXX XXXX Contract Formation, Arkansas Code XXXX ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION Information Solutions , Inc. ( hereinafter referred to as " TRANSUNION '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to TRANSUNION requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX XXXX, which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$190.00}. The FCRA mandates that the credit bureau, in this case, TRANSUNION must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying for the last 18 months to get a loan modification from SPS who is the servicing for XXXX. I have faxed and mailed documents to them for at least 12 months now. I have predotory lenders still on my account that should have been removed since 2009. My interest rate is over 12 percent. Sps has been given me the run around.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute and remove the following items from my credit report. The item that I XXXX XXXX XXXX is listed below. I am the victim of identity theft and did not create this account. I request that the item be removed so that my credit report can be corrected. I have reported the theft of my identity several times. 


I am the victim of identity theft and did not open the accounts on the attached FTC XXXX. I request that these items be removed to correct my credit report. I reported the theft of my identity several times without fail and I have provided numerous details with hardship information. In addition, I do not remember being late on any payments either and I am asking those to be updated to current. These creditors DID NOT follow their own guidelines and procedures if they did it was not made in a timely manner. I have also sent multiple letters. I am unable to focus on every day activities and this issue is preventing me from employment, a car and a home along with furthering my education. Please fix this ASAP!!
Product: Payday loan, title loan, or personal loan

GreenSky , LLC enabled contractora and other merchants to take out loans on my behalf which I did not request or authorize them.
Product: Checking or savings account

I was requesting a chargeback for a {$200.00} unauthorized fraud transaction on XX/XX/23 but the bank said since its XXXX they cant help me that I would have to go through the XXXX app but because i am a navy federal member i can not use the XXXX  app.
Product: Money transfer, virtual currency, or money service

XXXX of XXXX, and XXXX of XXXX ( possibly XXXX in usa as I am in XXXX at the moment ) I have tried to make international transfers which were denied because of pnc trying to call a phone number that was not in service which is not linked to my bank accounts and has not ever been. 

Another transfer was attempted, then put on hold for further information needed, information was given, and I was never given a response confirming the transaction and I was contacted by my friend this week that the transaction was successful despite me not being notified.
Product: Debt collection

I set up a payment plan with the company Conn 's to pay for my dryer and washer. on XXXX, i did half of my payment, but the company stater calling me on the XXXX non stop every hour until now XX/XX/2018. I explain that I will pay the other half and to stop calling every hour. Conn 's  harassed you for not making a payment all they long until you pay, not even a letter or just a call in all day is okay! am about to return their appliances because am tired that they don't understand that sometimes we go to financial difficulties. they called me from different numbers, XXXX,XXXX, XXXX,XXXX,XXXX,XXXX,XXXX and the list continues. they even told me that they will send the report to my credit which at this point I dont really care anymore. Please help me!
Product: Debt collection

I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX, I notice that prosper marketplace reported inaccurate credit information to the three major credit bureaus : XXXX, Experian, and XXXX XXXX. 

XX/XX/XXXX : I Fiuled a Ch XXXX Bankriptcy - the payment history according to Prosper Marketplace ( inaccurate and incomplete ; also an account I don't even recognize ) -recording as NEW derogatory account credit bureaus are not investigating it -have contacted them several times to verify and correct this inaccurate and incomplete information. 

I have records of all of this : documents by both Prosper and Experian and XXXX XXXX saying it was verified, but there is no verification, m according to furnisher ( Prosper ) under factor XXXX fair and accurate transaction act, I'm entitled to the information that Prosper allegedly has, and has reported to the credit bureaus. It's been seven months, ( will include documentation of all correspondence )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or was opened without my permission. 
XXXX XXXX  Balance : {$5300.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I submitted a dispute request proof of debt on XX/XX/XXXX and XX/XX/2023 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous complaints outlining why this account should be zeroed out and removed from my credit report. You have continued to violate my consumer rights under Truth in lending act, FCRA, and the FDCPA. This is my last attempt to try to rectify this situation before pursuing litigation. Ive attached an Affidavit of Truth notarized outlining various facts about the situation as well as a Cease to desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I need your help regarding this incorrect account reflected on my credit report. This issue has harmed my reputation, and I am asking for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received today once again the same resposne from Experian.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. Neither EXPERIAN nor XXXX XXXX provided any proof whatsoever. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that Experian or XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Provide me with copies of any papers that show I agreed to pay what you say I owe ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item currently in dispute is a MasterCard that was issued in my name without my knowledge by XXXX. The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from XXXX, it stated that this account is scheduled to continue on record untilXX/XX/XXXX. I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXXI provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was onXX/XX/XXXX, as a follow up from my phone conversations with their representatives that took place on Friday afternoon, XX/XX/XXXX and Monday morning, XX/XX/XXXX. The purpose of the phone calls and letter was to continue my dispute of the fraudulent MasterCard and to advise them that the information from their investigation is inaccurate. I am requesting that ATIRAcredit, or its affiliate agency, XXXX XXXX XXXX, or collection agency, XXXX, remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.
Product: Credit reporting, credit repair services, or other personal consumer reports

information is being furnished on my consumer reports without me knowing and needs to be removed.
Product: Debt collection

SLS, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, XXXX 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, SLS filed foreclosure complaint without any default judgment or judicial process.
Product: Money transfer, virtual currency, or money service

Coinbase sent a very intimidating email regarding trades being suspended on coins that I had inside my wallet. It stated that Coinbase would no longer be supporting these coins because of regular monitoring and said that suspension would be eminent on all their platforms. 

This email is attached and wants to read you can see how scary it is, however, an agent said that funds will still be accessible to trade in transfer, which makes it completely misleading and confusing. 

Within 25 minutes of receiving the email I got very scared and sold all the assets I had. And within the next 48 hours that same coin had risen 70 %, its completely unfair that Coinbase scares their customers with these tactics to manipulate the market in their favor.
Product: Checking or savings account

I currently bank with 5/3rd bank. A collection agency sent a letter to my bank to verify if the account was verified as mine. Instead of the bank contacting the collection agency or mailing the collection agency, the bank froze all of my accounts. My checking and saving account was frozen for 2 months. This has caused a financial hardship in my house. I contacted the local branch but no one answered the call. I called the XXXX number to get understanding of why the account was frozen instead of just verified. The call center consistently told me to contact a judge or collection agency instead. I signed a {$300.00} agreement with the collection agency for them to send a release to my bank 5/3rd and open my account. Instead of giving the collection agency {$300.00}, the bank gave {$380.00}. I asked the bank why and they can not explain why the amount that was given is more then what was agreed upon. Also I contacted the collection agency and they only received {$300.00}. I have called numerous times asking where did the other {$80.00} go? No one from the bank can tell me. I have just had a recent transaction of {$300.00} from my account and again no one from 5/3rd can tell me why it has been taken. The collection agency has been paid off and now the 5/3rd bank has given away more money to the collection agency which they are paid off. I called the collection agency asking about the {$300.00} charge again and they have not received any money from my bank. I called the 5/3rd legal department and they tell me to call back in the morning because they close at XXXX but I called at XXXX so how are they closed? this has been a complete nightmare having 5/3rd as a bank and this is seriously ridiculous how no one can tell me where my money is going and why they can't help me. I need help asap because now my account is in the negative with no money to pay for bills. I also have every call recorded and will provide if needed for proof of lack of help and disrespect from certain customer service reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.