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

I have reached the peak of my peatiece because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : 1. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove these unauthorized accounts from my credit report.. 


XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  Date opened XX/XX/XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX  XXXX Date opened XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I had just placed an order with XXXX XXXX 's, when my computer locked up, and I got the Blue Screen of Death notice from XXXX on my computer. There was a telephone number on the notice, and I XXXX called the number. Before calling, I saw that my XXXX XXXX and XXXX XXXX XXXX had also locked and were frozen. Instead of turning my computer off, I called the " supposed '' number for XXXX and got XXXX into their criminal scheme. They told me that it would cost me {$490.00} to restore my equipment and I fell for it. I am even more embarrassed to tell you that I gave them remote access to my computer and wrote a {$500.00} check to XXXX XXXX , XXXX of which I again stupidly allowed them to scan it from my computer. During this entire process, I was able to call my IT person, and he told me that XXXX never contacts clients this way and that I had been a victim of fraud. I " immediately '' called my bank, Wells Fargo ( " WF '' ), to put a Stop Payment on my {$500.00} check, and the WF representative I spoke with told me that it would not be a problem. She also told me that it was a good thing that I wrote a check instead of giving them my credit card and that they could stop payment. I was assigned Stop Order Confirmation No. XXXX. After hanging up from my Stop Payment call to WF, I immediately called the FBI in Washington D.C. and placed a complaint. They took all of my information and then instructed me to immediately go online and file a complaint with the FBI 's Computer Crime and Intellectual Property Section ( " IC3 '' of which I did - a copy of my IC3 Report is attached. On Monday, XX/XX/XXXX, I contacted the Federal Trade Commission 's ( " FTC '' ) Identity Theft Division to inform them that my and my husband 's Social Security Numbers may have been compromised. They took down the information and instructed me how to further protect our Social Security information. Next, at the FTC 's instruction, I contacted XXXX ( one of three credit services given to me by the FTC ) and placed a 90-Day Security Alert and was assigned Transaction Report No. XXXX. I also cancelled my three credit cards and requested new cards with new account numbers, in addition to changing my passwords and PINs. On XX/XX/XXXX, I was informed by Wells Fargo that they would not reimburse me my {$500.00} because XXXX XXXX , XXXX was also a XXXX and that they were able to cash my check - and WF would NOT stop the payment. I then filed a claim with WF 's Resolution Department, Claim No. XXXX, and the WF Manager of the bank I went to ( XXXX XXXX, CA ) assured me that I would get my money back. On XX/XX/XXXX, the manager at the XXXX XXXX WF branch informed me that WF would NOT refund my money because I gave my permission to cash the check. I disagreed and aid I did not give my permission. I asked, " why would I put in a Stop Payment with WF if they would not honor my desperate request? '' The manager then told me in her call that " it was no use because WF was not going to return my money no matter what! '' What good is a Stop Payment Order if WF will not stop payment - whether the payment was electronically or by hard copy?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I 've been using the app Activehours for payday loans, never given me problems til now. You can only get {$100.00} a day and my max for my pay period is {$450.00}. I have a bank statement showing that they deposited {$300.00} in my account in one day which is impossible because you can get {$100.00} a day and I did n't ask for the loan nor did I even use it and they are going to take almost {$500.00} out my account for something that I did n't ask for. I sent them an email still waiting on a response
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I experienced my first encounter with being scammed through Cash App. Someone managed to manipulate me into transferring money under false pretenses, and as soon as I realized what had happened, I contacted Cash App for help. Despite providing all the details and evidence of the scam, the issue was never resolved, and I never got my money back. Unfortunately, this wasnt the last time it happened. In XX/XX/XXXX, a similar situation occurred where I was scammed again. Once more, I reached out to Cash App, hoping they would take the necessary steps to investigate and resolve the issue, but to my frustration, I received no resolution or reimbursement. Then, in XX/XX/XXXX, it happened for the third time. Even though I acted quickly and provided all the necessary information to Cash App, the response was the same : no resolution and no refund. Each time, the lack of accountability and support from Cash App left me feeling helpless and frustrated, with no way to recover my lost funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I sent investigation requests to the credit bureaus. They were supposed to respond within 30 days, but they have not.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, XXXX, and Experian are consumer reporting agencies and I am the consumer. The consumer reporting agencies XXXX XXXX, XXXX, and Experian have been reporting inaccurate information onto my consumer credit report without my written consent. It is illegal to report transaction history Per 15 U.S.C 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give my written consent for inquiries listed on my credit report so please remove all inquiries that is not an open ended credit account Per 15 U.S.C. 1681 ( b ) permissible purposes. If your investigation concludes the account is verified, please provide me with the documentation that was used to verify the open account.
Product: Student loan

My student loan with AES/National Collegiate trust was closed as derogotory and collection account was opened with XXXX, XXXX, XXXX for the same debt. The debt has since been settled in full but I am being XXXX-dinged for the same debt by XXXX parties. IF the debt was sold by NCT then they should have now right to the debt and the closed account should not be reported because the new account with the collector is valid as they would hold the rights to collect. If NCT owns the debt and Hired XXXX to collect then XXXX should remove their collection account from my report as they dont have rights to the debt only NCT does. XXXX-dinging a persons credit report is unethical and a gross misstatement of defaults on my credit history.
Product: Credit reporting

The complain is filed to TransUnion that it did not conduct dispute investigation as a credit agency is expected to do - verify claim evidence for its legitimacy. 
A creditor made a fraud claim of debt to my account in TransUnion by providing a set of fraud delivery evidences, showing the delivery address not my address, the recipient signature neither my signature nor in my name. At my request, the creditor had provided me the same set of delivery evidences so I know exactly the story. When I saw this claim on my TransUnion credit report, I filed first dispute with TransUnion in XX/XX/XXXX, and was notified " no change after investigation ''. I have a credit repair agent filed 2nd dispute in XX/XX/XXXX, the same result came back " no change after investigation ''. I doubt what is the procedure for TransUnion to conduct dispute investigation, but in my case obviously it has not even verified the basic evidence including delivery address matching and signature matching, but simply ignoring the dispute and kept " no change after investigation ''. 
I would urge TransUnion to conduct a diligent investigation and verify the legitimacy of claim documents ASAP. Thank you very much for your help.
Product: Debt collection

I receive repeated phone calls for a {$300.00} debt. They don't know what it is for. Conns XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I purchased the vehicle from XXXX XXXX XXXX in XX/XX/XXXX. I received a bill from XXXX XXXX XXXX in XXXX/XXXX XXXX for personal property taxes paid for XXXX to XXXX XXXX XXXX in the amount of {$750.00}. 

I lived in XXXX XXXX XXXX in XXXX when I leased the vehicle and moved to XXXX XXXX XXXX in XX/XX/XXXX, which are different taxing authorities. I notified XXXX XXXX XXXX of the move and they accurately reflected my address in XXXX XXXX XXXX and sent me correspondence at the XXXX XXXX XXXX address for the remainder of XXXX and XXXX. Taxes were not payable to XXXX XXXX XXXX for XXXX as I did not reside in XXXX XXXX XXXX at anytime during XXXX. 

Upon receipt of the bill, I contacted XXXX XXXX XXXX and discussed the issue with them. At that time I was asked to send documentation of my move. I sent them the requested information, although they had been previously notified of the move. A couple months later I started receiving collection calls from Northstar. I contacted XXXX XXXX XXXX and they said they would pull the credit from Northstar and work with XXXX XXXX XXXX to obtain a refund of the taxes incorrectly paid. In XXXX/XXXX XXXX I started receiving calls again from Northstar. I called Northstar and they told me that my account had a {$0.00} balance. They began calling again within a couple weeks and I called them back and I explained to them the issues. At this time they notified me that they are reporting this matter to the credit bureau. I contacted XXXX XXXX XXXX again and they told me they have no record of an amount due. I have fully exhausted my efforts with XXXX XXXX XXXX and NorthStar and neither are able to assist me as they each tell me to the contact the other. 

My credit score is 820+ and I pay my bills. Northstar or XXXX XXXX XXXX is incorrectly reporting this issue and it is affecting my otherwise excellent credit score. This is not a bill I owe and it is XXXX XXXX XXXX responsibility to obtain the refund from XXXX XXXX XXXX. I was never late to XXXX XXXX XXXX in the 3 years that I leased the vehicle from them. I request that my credit reporting be immediately fixed and it properly show that I do not have an outstanding amount and that no payment was ever late. 

Attached is the Utility Service Request for utilities at XXXX XXXX, XXXX XXXX, XXXX XXXX, which is located in XXXX XXXX XXXX dated XX/XX/XXXX, the date I purchased/closed on the house. Also attached is the first page of the HUD dated XX/XX/XXXX showing I sold the house located at XXXX XXXX, XXXX XXXX, XXXX XXXX, which is located in XXXX XXXX XXXX.
Product: Student loan

This is a continuation of a prior complaint that was not fully addressed. The case number for the prior complaint for reference is XXXX. There are unanswered feedback items on the company 's response below. I have attached a copy of the supporting documents, including the company 's initial response. 
Thank you for your response. 

Based on the admission within the response, as well as the backup uploaded, of mobile internet access inabilities to allocate payments and reflect loan-level detail I respectfully request that all credit reporting be adjusted. Further, the statement in the response regarding numerous website payments made previously by me is irrelevant. I say this as I log in from my mobile internet frequently to arrange payments. The online experience on my mobile phone should match that of the environment of the website from a computer, especially if it relates to payment allocation on numerous loans serviced and the information ( or lack thereof ) regarding the state of the loans. Also, related, as a consumer AES ' relationship with XXXX is irrelevant to me as my direct relationship is with AES as the loan servicer. It was referenced in the letter, and has previously been conveyed to me in several phone calls with AES, that XXXX is the entity to be dealing with on many of these issues. I disagree, again, as AES is the loan servicer. Lastly, on this point, the credit adjustments and concessions made by AES do not offer relief as credit reporting strings on each loan do not go back to XX/XX/XXXX on the national credit agencies ' reporting. 

AES states that the XX/XX/XXXX long-term modification package can " now '' be reviewed due to assumed procedural changes. I 'd like clarification on the procedural gap, along with the corresponding procedural change to address said gap, that previously prevented me from applying for long-term assistance. This " new '' ability to submit for long-term assistance after a missed packet return was never communicated to me before this response and the most recent telephonic communication with AES, and I believe this gap has adversely impacted my abilities to make on-time payments this past year. Further, AES states that a loan must be contractually current in order to request long-term assistance. As a consumer I absolutely do n't understand this policy. The point of assistance is to assist consumers during times of hardship. This should be reviewed and I 'd like clarification on why AES operates under this non-industry standard policy. 

Lastly, AES failed to address the error notices attached. I am requesting additional information related to the error notices received. The clarification previously requested telephonically led nowhere as AES could not clarify XXXX ' error ... again baffling as AES is XXXX ' loan servicer. 

I respectfully request additional clarification and reconsideration. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is completely ignoring the evidence I sent them that proves all of my payments were on time.
Product: Debt collection

Dear Sir /Madam Re falsification of Information by XXXX XXXX XXXX  and transfer of The Said False Information To debt collection company Credence Resource management base at XXXX XXXX XXXX XXXX XXXX Texas Zip code XXXX who had call me From a XXXX to my Telephone Line XXXX repeatedly asking several interrogating questions without giving me reasonable time to address their false claim and statement repeated and uttered over eight times supervisor for the company was over aggressive even when i told him i have not received any services from XXXX XXXX  XXXX from XX/XX/2021 when I engaged the company with an intent to contract them as service provider after they collected payment of XXXX XXXX & XXXX XXXX Dollars and XXXX cents { XXXX } XX/XX/2021 for gadgets and service that they said they would provided and did not deliver on the date and time agreed upon i call several time there customer service department to have the service cancelled which they told me they did. the confirmation number i cant provided the immediately but there records that must save for seven years should be available for reference. these calls were made between XX/XX/XXXX and XXXX when I have to call my bank to dispute the initial charge which was paid back on XXXXAs a result of this false claim i am respectfully asking for an investigation for this false claim of payment of XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents which i am not owing and was never gotten any service to this address .Submitted for your immediate attention.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I recently submitted a request for investigation of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


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 writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX  days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card

No purchase was made : When I tried to purchase one XXXX XXXX supplements I could not make a single purchase, they the credit card co. chase amazon wanted me to sign up for a subscription plan for multiple bottles. I tried several times to order without signing up for a subscription. " on XX/XX/23 afternoon from my computer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

My name is XXXX XXXX XXXX. I was checking my credit score and I noticed XXXX hard inquiries that I did not make. They were booth on the same day XX/XX/2022. One was reported by Equifax and XXXX by XXXX. 

The Equifax one was showing the inquiry done by " XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX. FL XXXX ''. I tried to contact this agency on the phone number I found online ( XXXX ) XXXX which no one answered. I research that institution online and it says that agency is closed. 

XXXX was showing that inquiry done by " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I found their phone number and contacted them on ( XXXX ) XXXX ''. They confirmed they received the request but were investigating because they could not confirm it was really myself, they told me I was victim of fraud. They said they would stop the process right away and send a letter to XXXX and to myself. 

I contacted Equifax and they directed me to file a complaint with CFPB for fraud and send them the document. 

Someone used my information with XXXX and XXXX XXXX XXXX. I was victim of fraud. I am contacting XXXX, Equifax, XXXX, XXXX and XXXX XXXX to put a fraud alert. 

Thank you.