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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX **Subject : ** Formal Complaint Regarding Inaccurate Credit Reporting Dear TransUnion, I am writing to formally lodge a complaint regarding the removal of a positive account from my credit report. This account was paid off in XXXX, and its removal has negatively impacted my credit score and financial reputation. 

I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, concerning the accuracy of reporting. I did not provide written consent for your company to furnish my credit report, and the removal of this account is both inaccurate and unjustified. 

To support my claim, I am uploading the following documents : 1. Payment history for the account in question.

2. A paid-off letter confirming the account 's status. 

I request that you correct my credit report to reflect the accurate information regarding this account. If my credit report is not corrected promptly, I will escalate this matter by contacting XXXX as indicated below. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the correction of my credit report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX an auto finance company financed a vehicle in my name without my authority or knowledge in XXXX of XXXX. Though I have repeatedly indicated to the XXXX XXXX that this was a case of identity theft. They have continued to report to the credit agencies a charge off of XXXX. The entire amount of the loan. In XXXX of XXXX my name was added to the title weeks before the XXXX XXXX charged off this loan. I have gathered copies of the contract and other documents and they show that the signatures are computer generated, all exactly identical. There are some areas where a signature belonged but is not present. This puts act to have been between the dealership which sold the vehicle XXXX of XXXX and the XXXXXXXX XXXX. I want immediate removal of this blight from my credit report and for XXXX to clearly follows the laws and due process I have as a victim of identity theft How it started Date fraud began : XX/XX/XXXX {$27000.00} I have no connection to XXXX AND NEVER bought a car through them the signatures were computer generated the vehilcle was the vehicle i leased through XXXX XXXX and turned in and XXXX months later i get a bill for first month payment ..i contacted them immediately told them it was a mistake identity thedft or some ething but it was not me XXXX months later they charged the vehicle off in my name and its still there nearly XXXX years later
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 First Investors Financial Services Group performed a credit check without my consent and it resulted in a hard inquiry on my report. 

My husband has an auto loan with this company. However, I DO NOT. Nor am I a cosigner, nor do I have anything to do with my husbands vehicle loan. I am also not car loan shopping as I already have a vehicle. 

First Investors Financial Services Group had not a single reason to be pulling my credit report. I want this THOROUGHLY investigated as to why this company felt it had any right to view my credit WITHOUT my permission. 

Or I would like to see something IN WRITING, giving them permission to pull my credit, because I did not grant any such permission for any reason. 

I am in the process of applying for a mortgage and this hard inquiry has done great harm in my ability to receive a home loan.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and TransUnion for their failure to correct inaccurate information on my credit report despite multiple dispute submissions. The inaccuracies have caused significant harm to my creditworthiness and financial standing. 

I have provided the credit reporting agency with detailed information regarding the inaccuracies and have requested corrections in accordance with the Fair Credit Reporting Act ( FCRA ). However, they have willfully and negligently failed to comply with the following statutes : 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance : The agency has willfully disregarded the accuracy of my credit information.

15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance : The agency has negligently failed to address the inaccuracies on my credit report.

15 U.S. Code 1692k - Civil Liability : The inaccuracies have led to unfair debt collection practices, further compounding my distress and financial damage. 

I have attached a formal letter sent to XXXX, XXXX and TransUnion, detailing my demands for correction and the legal basis for my claims. I would like the CFPB to be aware of the wrongful actions by the credit reporting agency and to intervene to ensure that they comply with their legal obligations under the FCRA and rectify the inaccuracies on my credit report promptly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXXXXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Student loan

I was initially assigned to XXXX XXXX XXXX for my student loan repayment during my time in graduate school. Due to the restructuring of the Student loan system, I was reassigned to XXXX XXXXXXXX, then ED Financial before finally being reassigned again to ED financial on XX/XX/. Then again to ED economic a third time. 

Interest rates restarted XX/XX/. 

I have had my additional student loan payments reversed and had to pay additional interest I would not have needed to pay due to payment reversals. 

The first occurrence occurred before student loan interest started to accrue. This happened on XX/XX/XXXX   when I made a payment of XXXX, a payment of reversal occurred for {$2000.00} the same day XX/XX/. 

Payment on XX/XX/XXXX   for {$8700.00} was made ad a payment reversal occurred on XX/XX/XXXX  for {$370.00}. 

I made my third final payment to pay off all of my student loan balance on XX/XX/XXXX   for {$1000.00}. It was entirely reversed on XX/XX/. As of XX/XX/2023 at XXXX XXXX, I currently have a total current balance of {$1000.00}. XXXX $ of interest that I have necessarily paid on top of interest accrued when my prior payments were made on XX/XX/2023. 


I have sent ED Financial a message on XX/XX/2023 due to the face they lacked a contact page or email for me to contact them in regards to this issue. I find it unacceptable that they selectively cause payment reversals, leading me to pay unnecessary interest when I make additional payments throughout the month to bring my principal balance down so I can reduce interest fees from accruing.
Product: Debt collection

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I was a victim of fraud to a impersonator of Wells Fargo. The person acted as an employee and called me with all of my information complaining they were from the fraud department. The phone numbers and all of the questions matched up and the impersonator got into my account and wired money to theirselves. My bank Wells Fargo refused to refund my money and said they were not liable for any wire fraud what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$480000.00}
Product: Credit reporting or other personal consumer reports

Department of XXXX, account number XXXX XXXX u.s.c. XXXX XXXX A. XXXX I have the right to privacy. 
XXXX u.s.c. XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX u.s.c. XXXX. ( a ) ( XXXX ) XXXX XXXX no consumer agency XXXX make any Consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX years. 
XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX has reached out about the inquiries. Experian has not updated the report to reflect the correct information. XXXX said the inquiries should be soft not hard inquiries. 
I spoke to a XXXX representative today regarding the last CFPB complaint. The bureaus continued to report the wrong information on purpose.
Product: Checking or savings account

Bank of America failed to reverse a transaction for which I did not receive services promised by merchant. 
XX/XX/2020 for {$32.00} is being disputed by me. 
Merchant changed the terms of the agreement without sufficient notice making it not possible to use their services. COVID related situation. Merchant is charging for services they are not delivering. 

Bank of America promised to help resolve this matter and failed. I am being punished financially due to COVID related issues and mandatory shutdowns. 

This is theft.
Product: Debt collection

I have never had an account with XXXX and this account showed up on my credit reports earlier this year. I have contacted XXXX and submitted all info requested and contacted the credit bureaus to remove this information and this has taken more than 90 days without resolve. 

I did not open this account and never used the services.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 we were sold solar panels by a company called XXXX; we were told we needed to complete a loan application that same day which I did with GOODLEAP ( which we later found out was not true ). We later learned that XXXX sold us twice as much product as needed at about twice the cost of another solar company. I immediately cancelled the sale with XXXX on XX/XX/2022. I called Good Leap on XX/XX/2022 and also requested they cancel my loan application. I called Good Leap on XX/XX/2022 requesting they cancel my loan application. I called Good Leap on XX/XX/2022 requesting they cancel my loan application. They continue to REFUSE to cancel this loan application ( for over {$80000.00} ). Today I was told by a XXXX XXXX that it is still NOT CANCELLED and she has no intention of cancelling this loan application because they are HOPING I will change my mind. She literally told me " this doesn't hurt you in any way ''. It does hurt me ; they are holding me XXXX. I am not able to work with a different solar company or loan product.
Product: Debt collection

I dont know exactly what date but I dont know why they are contacting me when I have my Social Security number which is an account number and they still try to collect from the Individual
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated co report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXXXXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX  Financial XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries I would like to bring to your attention that these inquiries have been made without my knowledge or authorization. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory that any inquiry or application made on my behalf must be authorized by me. 

Furthermore, I would like to point out that the late payment account reported by XXXXXXXX XXXX XXXX  is inaccurate. I have been a responsible borrower and have made all my payments on time. I urge you to investigate this matter and remove this erroneous information from my credit report. 

These incorrect and unauthorized inquiries are causing me emotional distress and are adversely affecting my credit score, which in turn affects my ability to secure loans and credit at favorable interest rates. I request that you take immediate action to correct these errors and ensure that my credit report reflects accurate information. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I received a XXXX XXXX XXXX XXXX from a family member who originally purchased the car from XXXX and financed it with XXXX XXXX XXXX XXXX. When I received the car in XXXX, the loan was paid off and had been paid off for more than XXXX  years. However, when I went to transfer the title to my name, XXXX XXXX XXXX XXXX was still listed as a lien holder. The XXXX XXXX was never provided any information about the payoff from XXXX and as such, provided me with the title that still includes XXXX XXXX XXXX XXXX as a lien holder. Ive reached out several times by phone and email and have not received a response from XXXX XXXX XXXX XXXX and now because of this lien on the title I am having a hard time trying to sell this vehicle to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX on XX/XX/21, they stated they are having issues with their system that incorrectly sent out information to Transunion and XXXX. They also stated the problem would be fixed. The information caused me to lose out on getting a house. As a result of the incorrect information my credit score decreased by XXXX points. I am getting no where with this issue. I have not received a call back as they said they were going to call. They also stated that they did not see any debt under my name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I cant access my account as of XX/XX/23 and i contacted Chime support, they keep ignoring my request to speak to a supervisor and keep playing games
Product: Money transfer, virtual currency, or money service

on the XXXX XX/XX/2020 i first contacted Coinbase support as they restricted my account for a completely unapparent reason. this has made it impossible for me to withdraw my money after i sent 4 tickets their last response was " Coinbase reviewed your account and has determined that you are not eligible to use the Coinbase platform to purchase cryptocurrency or use our deposit services. As such, you are no longer eligible to link any payment methods. We are not able to provide you with any additional information '' this is very distressing i know longer know who i can trust and i am afraid using any other financial services over the internet. 
i have XXXX  us dollars sitting in the account and it may not seem alot to some but i worked hard for that sum
Product: Checking or savings account

I was deceived into opening a new debit card account and transfer on XX/XX/2024. But the person who convinced me to open this account used the digital debit card off of my XXXX to send himself and people in his family money. XXXX XXXX and XXXX XXXX. I did not authorize this. The amounts of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I went to the XXXX XXXX XXXX  Police because this happened on campus. XXXX XXXX they said the bank can contact the police and they should reverse the charges. I opened this dispute over 30 days ago.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent a dispute to Equifax regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to your response to our complaint ( XXXX ) with  Consumer Financial Protection Bureau ( CFPB ). I refuse your decision on the fraud as I will not be held liable for documentation with forged signatures. Please see attached detailed correspondence.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I saw a couple of negative accounts on my credit reports that are not mine. I reported this but they said they verified it as accurate but no letters or proofs or anything was even provided. These accounts are not mine and I really need your help to address this for me please. It's been going on for almost 7 months now and the disputes are still pending. I am starting to think that this has something to do with my race. I feel neglected whenever I speak to their customer service. I will attach here the FTC reports that they told me to resend again and again. Pls delete the following fraud accounts and inquiries : Fraud accounts : XXXX XXXX - XXXX - XX/XX/XXXX DEPT OF ED/XXXX  - XXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX - XXXX XX/XX/XXXX. Please delete this fraud inquiries too : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agencies on XX/XX/21 about the Fraudulent accounts that are appearing on my credit report. under 15 USC 1681C-2, these fraudulent accounts should've been removed after 4 days, but yet these credit reporting agencies did not remove the items. they instead chose to broke the FDCPA/FCR laws. As a consumer and the one with ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.