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

I have tried calling, via certified mail and get no response other then a standard auto reply! It wasnt a signature showing I requested the inquiries on my TransUnion report! XXXX  and XXXX have deleted ALL inquires! Still I had no SIGNTURE showing proof my next step is to sue!
Product: Money transfer, virtual currency, or money service

On XX/XX/, I deposited {$5000.00} into my Coinbase account. On XX/XX/XXXX, I attempted to withdraw the same {$5000.00}, but was only allowed to withdraw {$3000.00} without further identity verification. I attempted to verify my identity, but Coinbase 's third-party verification system " could not locate my ID. '' I contacted Coinbase on XX/XX/ and was instructed to attempt different variations of my personal information. After many more attempts this was also unsuccessful. I again contacted Coinbase on XX/XX/ and explained that I continued to have issues with their verification system. I further explained that this was mostly likely due to my status as a XXXX XXXX XXXX since my personal identifying information has been blocked/removed from public records. The only solution Coinbase provided was to keep trying. My identity will never be able to be verified using traditional third-party methods and Coinbase is holding my funds hostage without providing an alternative verification method.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX. This inquiry was not authorized XXXX Inquired on XX/XX/year> Please remove it from my credit report XXXX. This inquiry was not authorized XXXX Inquired on XX/XX/year> Please remove it from my credit report 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account number : XXXX Please remove it from my report.

4. This agency is in violation 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I don not validate this debt. 
XXXX XXXX  Account number : XXXX I am a victim of identity theft. Please remove it from my report.

5. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX Balance Owed : {$10000.00} XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed XXXX {$10000.00XXXX XXXX XXXX  Balance Owed XXXX {$150000.00} XXXX XXXX XXXX XX/XX/XXXX Collection XXXX  Balance Owed : {$1100.00} XXXX  Balance Owed : {$730.00} XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account has created immediate and severe consequences for my financial wellbeing. Most notably, this negative mark has already led to the rejection of my recent loan application and triggered concerning increases in interest rates across my existing credit accounts. The impact extends beyond mere financial metrics, causing significant emotional distress as I grapple with the ongoing implications for my financial future and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute filed in XX/XX/2019. 

Synchrony Bank Mastercard gave a temporary credit while they investigated. In the meanwhile, I returned the item. It was verified returned on XX/XX/19 by XXXX ( XXXX XXXX ) at XXXX x XXXX. He was unable to refund because Synchrony Bank Mastercard still had a dispute noted. He said he'd do a 3-way call but couldn't because the Synchrony Bank Mastercard dispute line was full and continues to be full even when their own supervisors have tried to help me connect. You can't get through. 

The dispute number to call imessage is mailbox full! Called 2 Synchrony Bank customer service supervisors on XX/XX/19 and XX/XX/19 ) and they were also unable to access the dispute center at XXXX. 

This charge is {$190.00} for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an FHA loan on my property for the pass 5 years. I've been rejected multiple times by different banks and credit card companies due to loan to Income ratio. According to my credit report, my Mortgage loan appears as a personal loan. I've filed a complaint to the credit report company and they said to wait for the result as they will communicate with my lender. I also reached to my lender and they said that the credit report was incorrect. 
I have waited more than a year and My mortgage loan still appears as a personal loan.
Product: Credit reporting or other personal consumer reports

Subject : Ongoing FCRA Violations by TransUnion and XXXX XXXX XXXX - Investigation Delays and XXXX XXXX XXXX XXXX XXXX : - TransUnion LLC - XXXX XXXX XXXX - Account Number : XXXX - Original Dispute Date : XX/XX/year> - Current Status : Unresolved Chronology of Violations : 1. Initial Dispute and Investigation Failures : - Filed initial online dispute : XX/XX/year> - TransUnion provided initial results ( screenshot attached ) but failed to correct errors - Submitted follow-up paper dispute via certified mail - No response from Elan Financial despite 30+ day statutory requirement - TransUnion continues reporting incorrect information without dispute flag 2. Systematic Obstruction of Dispute Process : - TransUnion has removed access to XX/XX/year> dispute results from online portal - Switched to sending results via email with non-functional links - Previous dispute documentation no longer accessible through their system - Continue updating erroneous account information during active dispute period XXXX. Specific Reporting Violations : - Account shows contradictory status : charged-off yet actively updating - Mathematical discrepancies persist : * Original Balance : {$4500.00} * Current Balance : {$4500.00} * Post-closure high balance : {$5900.00} - No dispute flag despite ongoing investigation - Monthly updates continue during unresolved dispute period 4. Timeline of Non-Compliance : - XX/XX/year> : Initial online dispute filed - XX/XX/year> : Received inadequate investigation results- XX/XX/year> : Submitted paper dispute - XX/XX/year> : No response from XXXX XXXX - XX/XX/year> : TransUnion removed access to previous results- Current : Account continues to update incorrectly without dispute flag Violations of FCRA : 1. Exceeded 30-day investigation requirement ( 15 U.S.C. 1681i ( a ) ( 1 ) ) 2. Failed to maintain accurate dispute records 3. Continued reporting disputed information without investigation completion 4. Failed to provide accessible investigation results 5. Did not properly flag account as disputed Supporting Documentation : - XX/XX/year> online dispute submission records- XX/XX/year> TransUnion results screenshot - Certified mail receipts for paper dispute - Current credit report showing continued incorrect reporting - Email communications with non-functional dispute result links This pattern demonstrates a systematic failure to comply with FCRA investigation requirements while actively hindering dispute resolution through deceptive practices. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I didnt approve or authorize any release of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX continue to ignore my requests to correct the dates which are incorrect. I've sent the info to XXXX XXXX directly several times & to the CFPB for both Equifax and XXXX XXXX. Yet the dates reported continue to be dispute rather than paid and closed dates. Equifax has lowered my score with their inaccurate reporting. XXXX XXXX could care less. They don't want to fix it and I've tried several times going to them, then to Equifax. Yet the dates are still showing as the dispute dates for 2023 which are incorrect, and Equifax continues to report the accounts as " pays as agreed '' which makes them look like they're open rather than closed accounts. They're paid, closed and no longer active! Yet Equifax and XXXX XXXX keeps saying the dates are accurate which means they're being lazy or just don't care. I'm going with both! So the below will take place should they continue to fail to fix the problems. I won't keep fighting it. I'll take it to the legal system as I have every right to do for anyone violating Fair Credit Act Laws. I don't want to hear that you're abiding by them because you're both lying! I filed a complaint against XXXX XXXX with the XXXX XXXX XXXX too. I want someone above their credit area to see what the problem is since they fail to read or understand the issues.
Product: Bank account or service

I received a check in the mail for about {$2000.00} and I deposited it in my account. My bank fulfilled the check 2 days later. I then withdrew a certain amount from that check and deposited it in another account. Another 2 days later, my balance is almost - {$1500.00}. It turns out that the check was fictitious and I was left to pay back money that was n't even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX 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 2 It also state a consumer Reporting agency can not furnish account account without my written instructions.
Product: Credit card or prepaid card

I have 2 closed cases in which the bank resolved the complaint then resubmitted the charges. On the second complaint they said they did an investigation which is a FLAT OUT LIE. I have written letters from XXXX that I did not make the purchases I am disputing. I also have a letter from XXXX that states that they did not contact them about my dispute. I have filled a complaint with the FBI internet fraud dept. I have contacted every senator that oversees the Banking system. I am filing a formal fraud case with my local police dept. I want both of these cases REOPENED and a FORMAL INVESAGATION as to how this bank can OUTRIGHT STEAL for consumers. I have all the paperwork in writing documenting my claims.
Product: Credit reporting or other personal consumer reports

I have never applied nor perform services or business with XXXX XXXX XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023
Product: Checking or savings account

Deposited 4 checks into checking account via ATM for XXXX each on XXXX XXXX funds were said to be made available on XXXX XXXX. However SunTrust sent a letter stating they were going to hold funds an additional 7 days at that time once it clears they will release the funds. On XXXX XXXX XXXX when I logged into online banking it was restricted I contacted customer service who advised me to visit a branch which I did the bank advised me they were needing to hold funds until they were validated from issuing party which could take an additional few days, those few days came and I tried again to logon to online banking which was still restricted. I reached out to customer service again who then stated they decided to close my account due to federal rules and regulations and that I would receive a check for the deposited funds in the checking/saving account. Once I received funds from SunTrust they were for XXXX and XXXX?? which were the cash deposits left on the account and not the XXXX funds made available from deposited checks that were credited to account on XXXX XXXX, XXXX and that they will not release hold for deposit until XXXX XXXX, XXXX that deposit will sit it bank vault until that time unless I have issuing party reclaim checks and reissue in which issuing party is stating that I need to obtain funds from SunTrust as they have already release payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove from my credit report.
Product: Credit reporting or other personal consumer reports

i sent usps certified mail letters on XXXX, to transunion, XXXX, and experian for the reporting of the inaccurate and incomplete information on my credit report, which is a violation of 15v usc 1681e ( b ). I am requesting that they be deleted from my credit report within 15 days of receipt. 

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

On XXXX I received alerts to my phone that my credit had been ran, and it was also ran without my permission. The dealer is a scam. The inquiries that were added to my account were 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

Immediate Removal of False Information from My Credit Report To Whom It May Concern, TransUnion is reporting inaccurate and unauthorized information on my credit report, which must be removed immediately. I requested a copy of my wet signature on the alleged contract associated with XXXX XXXX ( Account : XXXX ), yet no such documentation has been provided. 

Since you have failed to produce valid proof of my authorization, this entry is fraudulent and must be deleted from my credit report without delay. Failure to do so constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I demand immediate action to : 1. Remove the inaccurate account from my credit report.

2. Provide written confirmation of its removal.

3. Ensure no further unauthorized accounts or inquiries are reported under my name.

If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. I expect written confirmation of the removal within [ reasonable timeframe, e.g., 10 business days ].

Failure to comply will result in further action.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

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: Mortgage

Since loan inception - XXXX XXXX, I have made every payment on time, and most times paid additional principal along with my regular payment. I did not set up auto pay because I would pay the additional principal every month and I would vary the amount based on the extra cash I had on hand. 

In XX/XX/XXXX I became very ill with XXXX and forgot to pay the mortgage payment that was due on XX/XX/XXXX. The late notice was issued on XXXX XXXX XXXX and I paid the late payment the day I received the notice on XX/XX/XXXX, along with {$300.00} in additional principal. I also set up auto-pay immediately so this would never happen again. 

I contacted Rocket Mortgage to request that they remove this derogitory mark from my credit report and they would not. I asked to speak to a supervisor and was told there is nothing they could do. 

If they would have sent me a late notice in XXXX ( instead of XXXX XXXX ) I would have paid it immediately and could have avoided this problem entirely. 

I also want to mention that prior to this one late payment, I had paid in an additional {$2700.00} in additional principal payments during XXXX. Couldn't this extra money that I've been sending over the years be viewed as an advance payment in some way? 

I need to move from my home residence and recently found a home. Unfortunately when I contacted the bank for a mortgage today, I was informed that this one late payment makes me ineligible for a mortgage. They suggested I contact the lender and ask them to remove the late payment from my report.. 

With all the accomodations that were made during the XXXX pandemic, all I am asking is that this temporary blip in my credit report be removed so I can go on with my life and my plans to relocate.
Product: Credit card or prepaid card

Over the summer, I had two packages of " beauty serum '' mailed to my house using a name very similar to mine. The envelopes had no return address and the packing slip had only a phone number that no one answered. They also began charging my credit card {$89.00}, XXXX, and then XXXX. I disputed the charges. My credit card disagreed and said not only was I liable for the charges, they would not stop these fraudulent charges on my account unless I closed the account. My credit card company also informed that they could not tell me any information on the company charging my card. Eventually, my credit card company sent me the address of the fraudulent company, and I returned all of the merchandise to them via certified mail. I then asked my credit card company for a refund, and they told me I am liable for all charges because I did not return the merchandise in a timely matter. I had to close this credit card to prevent any more charges, hence closing an account I had open for over 17 years.