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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2020 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: Mortgage

I have not been able to pay my mortgage for 7 months. I closed my business XXXX XXXX, 2019 because I could no longer make ends meet. I am XXXX yrs.old and living on social security only right now. 
I wanted to put my house on the the market back in XXXX or XXXX, but XXXX XXXX and XXXX at Pinnacle Bank said I could not do that til I paid the payments I was behind on. I believed them, but found out in XXXX that that was false information. Now the house is due to go to auction XX/XX/ 2019. I would like time to sell my house and pay what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : 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 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

Equifax, XXXX, XXXX fails to investigate the situation properly.
Product: Credit reporting or other personal consumer reports

For over a year I have been disputing these incorrect items on my profile. These items belong to my father. 

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: Debt collection

XXXX is claiming that I owe them money when I clearly dont there services were on a month to month basis. I even paid them the last month bill and they sent me a bill asking for a specific amount once I told them that what you are asking is another month of service after I switched to a new car insurance because it was more affordable they said either pay us or we are sending you to collection and potentially hurt your credit and to me that is not fair. At all they are thieves.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXXXXXX AMOUNT {$510.00}, US DEPT OF EDUCATION ACCT XXXX, JEFFERSON CAPITAL SYSTEM ACCT XXXX AMOUNT {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  on XX/XX/XXXX my daughter purchased a car from XXXX of XXXX in SC. We filled out the application as my daughter being the owner and myself as the co-signer. The ran our credit and she paid her down payment of {$2500.00}. The next day she went to pick up the vehicle and XXXX sales man talked her into purchasing a warranty. Well the contract changed from daughter as the owner to the co-signer and put my name as the owner ( first red flag ). My daughter total the car on XXXX XXXX but the insurance company couldnt payoff the vehicle. Because XXXX of XXXX didnt have the title to the vehicle. Finally in XX/XX/XXXX XXXX of XXXX gave the insurance company the title but not after going o the DMV and lying about us purchasing the vehicle in XXXX to get the taxes paid on the car. Once XXXXXXXX XXXX XXXX XXXX  got the check we asked about the warranty refund. It took them until XX/XX/XXXX to apply the amount to our account but it wasnt the full warranty amount. Then XXXXXXXX XXXX XXXX XXXX charged off the account to handle the scandal. I contacted the company and spoke with XXXX that called the warranty on three-way. The company advised us that the warranty was voided by XXXX of XXXX and to contact them directly. So XXXX called XXXX of XXXX on three-way call and spoke with XXXX who explained that a representative from XXXXXXXX XXXX XXXX XXXX advised her to send the warranty refund minus the amount they owed the company from another consumer auto deal. And she thought it was okay to cheat me out of my full refund amount.
Product: Money transfer, virtual currency, or money service

Hello, This will be my third time reaching out to Venmo about the same scam issue that's been going on since XX/XX/2022. I attached the past 2 complaints as the references. XXXX and XXXX. Please refer to them for the scam that I have been involved. I've been getting the same copy and paste responses from Venmo, where they repeat my history and their policies and don't really resolve anything with the responses. But from where I am after going through the scam, I am still responsible for that negative balance that I got scammed for. Ever since then, I wasn't able to use Venmo because the balance has to be recovered first. I basically gave up on using Venmo again at this point, but my next worry and main concern comes here. I know that you guys will be make attempts to recover the negative balance on my account by it being reported to the outside collection agency. Is there any consequence if i continue to leave the negative balance as it is? Can I first get a confirmation from Venmo right now that this won't affect my credit file in the future? As long as it doesn't affect me in the long run, I'm planning to just leave it as it is and just move on with my life as this has been screwing up my life ever since. Let me know what the consequence is and give me a confirmation that it won't affect my credit or life in the future. I will just stop using Venmo. Thank you, Venmo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for inaccurate credit reporting. I disputed an account that was charged off and sold, yet it is still reporting a balance. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Despite my dispute, Transunion has failed to remove the inaccurate information, violating the Fair Credit Reporting Act ( FCRA ). This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I secured an auto loan with Santander Consumer USA on XX/XX/2017 for a used car. I have been paying my auto loan on time for over a year and it has still not reported on my credit report. Per recommendation from the car dealership Santander is required by law to report to the credit bureaus quarterly or I am not liable for the loan. I contacted Santander and they stated that I would need to file a complaint through the credit bureau. Unfortunately, I am not able to file a complaint on something that doesn't exist on my report. Please assist with this. I have been trying to build my credit back up and I thought this was reporting. If I am not held liable for the loan I would like to see what is needed to do to get out of the loan.
Product: Money transfer, virtual currency, or money service

Hello, I have made four requests with Gemini.com starting on XX/XX/XXXX to solve this issue but there has been zero response from the company via phone or email other than automated emails saying they will get back to me. 

The problem is they are not allowing me to withdraw or transfer any funds due to a technical glitch ( I believe ) and I need these funds. The current value is approximately {$22000.00}. 

I do not know who to contact since the company will not respond in any way. My email on file with that account is : XXXX and I have a full verified account and have completed all KYC over a year ago. I have used this account for over a year to buy crypto without any issues but when I want to take the crypto out I have this problem. 

The company also continued to withdraw funds from my bank even after cancelling auto draft but I was able to solve that ( I think ) by contacting my bank, XXXX, and they put a stop to all transaction with Gemini.com Please respond via the email in this message. 

XXXX
Product: Debt collection

Midland credit hasnt been able to validate the so call debt and threatening to sue if not paid. Attempted to dispute account with both credit report agencies and debt collection agency
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
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

It is a XXXX Bill that they had told me. I did not make that bill. I have told them over and over. I did n't make that bill. I want it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by SageStream ( now XXXX? ) Made request for credit report to determine problem. Letter from XXXX indicated " unable to process request ''. Made numerous phone calls... no response ; not XXXX. 
Letter from XXXX " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against SageStream. What's it take to get action on this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Netcredit took part in Identity THEFT by giving person ( s ) a loan under my name without verifying income. Netcredit 's website clearly states they " require that you have a verifiable source of income. '' I was in a major car accident where the vehicle flipped with me 3 times 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 

Starting sometime mid XXXX around XXXX I started receiving emails from NetCredit/XXXX XXXX XXXX Seeing XXXX XXXX I assumed they were spam similar to the XXXX XXXX we all know about, but around XXXX I realized I was wrong about the XXXX because they took money {$150.00} from my bank account. I contacted them and they told me I applied for a loan in XXXX and it was given to me. 

Netcredit 's website clearly states they " require that you have a verifiable source of income. '' I haven't been able to work or have a steady stream of income in almost 2 years due to the accident, no way I would qualify for a payday loan without a job. Netcredit took part in my Identity THEFT by giving person ( s ) a loan under my name without doing their job and verifying income. Now they are destroying my credit by reporting false material to the credit bureaus. Can I Sue them? Obviously, they did not do their job by not verifying income. All it takes is a single phone call to job on the application. 

They are destroying my credit, by reporting multiple times a week a new loan or increasing the amount of the loan on my credit reports. in 2 weeks my score has dropped about 150 points. And loan increased by {$500.00}. 

Obviously, including being part of the XXXX breach I must have had some sort of virus or malware that allows remote desktop connections on my pc which I keep on 24/7 because I went through something similar with XXXXXXXX XXXX  XXXX signature credit card, but they were able to see and fix the issue asap. Netcredit security isn't up to par. But this could have all been prevented if they verified a source of income like their website states they are REQUIRED to do. Call the job on the application and ask if a XXXX works there... they could have ran a background report and see I did not have a job.
Product: Credit reporting or other personal consumer reports

I am requesting you to remove these unauthorized inquiries from my credit report. I have provided documentation for verification. Please expedite your investigation into this matter asap. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Equifax Credit Reporting Agency on XX/XX/XXXX to try to get a credit freeze and their phone menu did not work. It collected all my personal information and then when it asked questions about previous employers and creditors, the menu did not accept my responses and went into a repetitive loop and finally disconnected me. 

When after much convoluted effort, I was able to get human beings who said they were in XXXX, they both had XXXX XXXX accents and not a XXXX accent. I hung up. 

This is a very suspicious scenario, because Equifax was apparently hacked in XXXX.
Product: Debt collection

I called the credit reporting agencies and let them know the debt collection in the document included below are not suppose to be visible on my consumer report. 


XXXX XXXX XXXX - XXXX XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the following unauthorized hard inquiries on my TransUnion credit report. These inquiries were placed on my report without my consent, and I did not authorize them. Under my rights established by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a consumer reporting agency is permitted to furnish a credit report only when authorized by the consumer. Since I did not grant permission for these inquiries, they must be removed immediately.

The disputed inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 U.S. Code 1681i, TransUnion is legally required to investigate and correct any inaccurate or unauthorized information on my credit report. Since these inquiries were made without my authorization, I demand their immediate removal. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

I expect written confirmation of the removal within 30 days, as required by law. If these inquiries are not removed promptly, I will be forced to take further legal action. 

Please respond in writing to confirm the deletion of these unauthorized inquiries. I appreciate your prompt attention to this urgent matter.