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

Hello. I've sent in request to have old address and names taken off my report profile with TransUnion, XXXXXXXX XXXX XXXXXXXX. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate not to exceed {$1000.00} each. Each incorrect name and address. I've sent in my photo id to avoid any complications and my request has still not been met. 
I am also including hard inquiries on my TransUnion report that are legally not connected to me with any open accounts. XXXX XXXX ENQUIRYS ARE ACCURATE. All other inquiries need to be removed as soon as possible.file attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Enhanced Recovery Co, reported address XXXX XXXX XXXX XXXX FL XXXX, phone # XXXX reported a debt owed of {$2400.00} from XXXX XXXX. I attempted to contact the number provided and it is not in service. 

I have not had an XXXX account in over 7 years, and it was paid in full. I have never been contacted by XXXX or Enhanced Recovery Co regarding this debt. It suddenly appeared on my credit report in XX/XX/2020. 

I attempted to contact the company with a number I located on XXXX search on XX/XX/XXXX at XXXXPST. I was told that I had to provide my entire social security number in order to pull up my file. I am not comfortable providing my social to a company who I have no idea their interest or intent. The company does NOT list an account or reference number on the file in order to discuss the account without giving my personal data I contacted XXXX on XX/XX/XXXX at XXXX PST and they advised via my social security number that I do not have any associated debt with their organization.
Product: Student loan

I have XXXX XXXX XXXX Loans which were originally serviced by XXXX XXXX but were transferred over to Aidvantage in XX/XX/XXXX. I have been assured by Aidvantage that repayment on my XXXX loans are on pause until XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX debited my checking account for monthly payment amounts per each loan account without my authorization. I have reported this to my credit union as a nonauthorized ACH debit withdrawal and requested that I be reimbursed immediately. Furthermore, I requested that XXXX be blocked from making any further ACH debit withdrawals given that they no longer service my loan accounts since XX/XX/XXXX. XXXX did not provide me with any prior notification that they would initiate ACH debit activity beginning XX/XX/XXXX.
Product: Mortgage

My experience was the absolute worst. We received a XXXX ( HUD ) statement with our name and someone else address. The pre-closer XXXX XXXX never noticed the error. XXXX XXXX never called to advise on any updates. No phone call was returned until I called their corporate office. Then she requested, I request all my own pay offs and have them sent directly to her, which was completed numerous times. I also addressed all the incorrect documents. I contacted /emailed the acct manager but to no avail, still no returned calls. The only way we received updated on our closing was to call several times on the closing date until someone was able to confirm the cancellation. Two days prior to the closing XXXX XXXX requested I get a new payoff since she does not have access to my service mortgager acct. Consider my closing was delayed by two months, she should have requested access to my servicer so she could have access to my mortgage info. This confirmed that none of my documents were worked on by the firm. I received the settlement statement 4 hours prior to the closing which is unlawful. Its now the XXXX the day after closing and we still havent received a congratulatory letter or the wire info per their closing attorney. After further research, I came across similar complaints from many XXXX American clients. It makes me wonder if there was an alternative motive to my poor experience. This type of treatment is unfathomable and very unprofessional. I would never refer anyone to such unprofessionalism and XXXX treatment. 

XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

A XXXX sales agent contacted me in XX/XX/XXXX to inquire as to whether or not I was interested in switching from my phone provider to XXXX. The agent explained that the promotion entailed XXXX free minutes a month to any country of my choice. I inquired if the promotion included the XXXX XXXX. The agent replied in the affirmative. I expressed my surprise at this and ask for confirmation that the XXXX XXXX was included in the promotion. The XXXX agent again replied " yes - the XXXX XXXX is included ''. I selected the XXXX XXXX as my country for the free minutes and indicated to the XXXX agent that this was my sole and only reason for accepting the promotion and offer to switch to XXXX. She congratulated me on my selection. 
In fact, the promotion did not include the XXXX XXXX and the bill for the XXXX month was {$800.00}. I called XXXX and the agent explained that the promotion in fact was never intended to cover the XXXX XXXX. I explained that I relied on the XXXX agent who misinformed me and cancelled my XXXX phone service. XXXX apologized for its error and indicated that I would not have to pay the bill. I received a credit for {$800.00} on my final bill. When I contacted XXXX on XX/XX/XXXX, a representative confirmed that I owed {$0.00}. 
However, I recently discovered that XXXX has turned the bill over for collection, ( the name of the company is Debt Recovery Solutions ) which has negatively impacted my credit score and has prevented me from refinancing my mortgage. 
I have contacted the debt collection agency, which indicated to me that it has no information to support my assertion that the money is not owed, and that therefore, they will continue to try to collect the {$800.00}. 
I again contacted XXXX, which informed me that since they sold the debt, that there is nothing that they can do to assist me to resolve the matter. 
Thanks you for your assistance and keep up the good work that you do on behalf of the American people.
Product: Credit reporting

I have disputed with Equifax Credit Bureau and the creditors and pointed out the errors that are listed on my credit report. After pointing out the errors, the items are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and noticed that Experian is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows XXXX XXXX to repost anything on my consumer report. Without my consent XXXX XXXX has committed Identity Thief. There are fiv different accounts that need to be removed. I have given them 5 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by XXXX XXXX, a signed letter from a Notary Public, and a invoice for the 5 federal violated rights. Each violation made my XXXX XXXX are for {$1000.00} dollars per violation.
Product: Credit reporting

I have contacted Experian twice since XX/XX/XXXX to remove inquiries from my report because they do not meet the FCRA requirements which that they are only permissible purpose for pulling someone 's credit port is a ) firm offer or credit b ) insurance c ) employment or d ) court order the following credit inquiries are related to non of the aforementioned permissible purpose nor did I authorize these companies to pull my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items should be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint outlining the error in student loan accounts on my credit report. ( Complaint # XXXX ). During the investigation in where they say they verified these items as being mine and accurate, they updated inaccurate late payments in order to intentionally harm my credit score and well being. This is also highlighted in a updated credit report which shows how transunion " verified '' and put a false derogatory on each of those student loan accounts which triggered a drop of 58 points on transunion credit score conveniently three days into there 6 day investigation. Those accounts went from paid as agrees on both XXXX  and transunion and then 90 days late on transunion. I want these accounts removed from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX  XXXX XXXX Date opened XXXX XXXX, XXXX Balance XXXX XXXXLate/Open Late Date XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX-Late/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Dates XXXX
Product: Debt collection

On XX/XX/year>, I checked my XXXX credit report and noticed a collection account from Jefferson Capital Sys on behalf of a XXXX  Card. I never received any notice or letter in the mail about this debt. I ask that they provide proof that certified notice was sent to me for this debt pursuant to the FCRA or please remove immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I scheduled a wire transfer on XXXX early morning to a gardener contractor for some backyard work. The wire never got approved on XXXX and still shows a review status on XXXX. I was about to call ally and see whats going and only found out they locked my account without any notification. I called their support on XXXX and got transferred to their back office and answered several security questions. After the agent finally has assess to my account, she later found out she didnt have the authority to do anything and advised me to continue to wait. At the mean time I may end up having to cash out some of my funds in brokerage account just to pay for the home remodeling.
Product: Money transfer, virtual currency, or money service

I Purchased bitcoins through CashApp for investment but noticed it was scam companies. 
please see attached
Product: Money transfer, virtual currency, or money service

I got a notice of an unauthorized transaction on XX/XX/2023 for a total of {$190.00}. I tried to dispute the transaction as fraud and unauthorized with Cash App but they denied my claim. I then took the complaint to my bank, XXXX XXXX and filed a claim, which was ruled in my favor and I received a final credit for the money that I lost. 

I received a message XX/XX/2023 that I had a negative balance in my Cash App account. Cash App charged me back for that previous unauthorized transaction of {$190.00}. They withdrew {$160.00} that I was unaware of from my Cash App balance and the rest was charged but caused my balance to go into the negatives. I called customer support and they told me that " the Add Cash transaction was reversed and the funds had been removed from your balance ''. They then told me to call my bank for further details. The bank told me that the claim was approved on their end and that it was Cash App trying to charge me back for that {$190.00}. So in the end, I am still losing money for that fraud charge. I called various times to Cash App and they kept repeating the same thing over and over and then at some point they would just hang up on me and even started to ignore me. They told me that there was nothing that they could do on their end and that in order to resolve this issue with the negative balance was to add money or get someone else to send me money. 

I am still being charged for a transaction that I did not authorize. My bank, XXXX XXXX credited me back this amount of {$190.00} but I am still being charged by CashApp.
Product: Credit reporting, credit repair services, or other personal consumer reports

EquiFax just had all its data ( 1.43M people impacted ) bleached to the hackers. Now the hackers have all the critical information needed to open accounts, apply for mortgages/loans, and so on and so forth. This caused me tremendous trouble and inconvenience. Yet the CEO of EquiFax only issued a light-hearted annoucement, trying to downplay the impact of this devastating disaster. What is more, the top executives sold their stocks before this was reported to the public, which is a typical example of inside-trading. I would like EquiFax executives to compensate our losses.
Product: Debt collection

XXXX XXXX says I opened some account for XXXX dollars on XX/XX/22. Ive XXXX XXXX XXXX for 10 years I never opened any account with XXXX. Im confused as to where this is coming from and I disputed the collection. But it came back the infor was accurate which is 100 % false so I would like this looked into further because I am totally getting scammed on whatever this collection could be considering {$6100.00} dollars for any mobile or any cable is just absurd and definitely was never agreed soon by me. I would like to see what copy or contract they are claiming I signed stating or agreeing to this.
Product: Credit reporting or other personal consumer reports

( to drop into the comment section of a new claim HERE ) Greetings XXXX, I am requesting immediate XXXX action to remove all of the following hard inquiries from my credit report. 
In XXXX to code 15 USC 1666a : Regulation of credit reports, all hard inquiries made without my approval must be removed within XXXX hours to prevent any further damage against my personal credit history and active business endeavors on behalf of my company. 

PRIMARY DISPUTE : The following inquiries were not authorized by me and must be removed : XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By way of code 15 USC 1666a : Regulation of credit reports, I standby my rights to a fair & accurate credit report. I would like to express my advance gratitude to the CFPB for protecting my rights. Should this not be removed in XXXX i will follow up with a fee schedule that establishes the amount due per damage to myself, my company, and all other corporate personnel. 
Thank you in advance for your assistance. I am on standby for a confirmation number as indicative of the CFBs notice & implementation. 
Please contact me here for any further clarity or assistance. 
CFPB XXXX XXXX Sincerely, By Direction of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am subscribed to Equifax premium service which allows me to lock and unlock my credit report. For the past three weeks, my report been locked and as a result, creditor cant access my report for credit making decisions. I have spoken to several representatives and supervisors but my report continues to be locked as of today. Was giving reference number XXXX. This situation ( report being locked ) is really preventing me from doing what I want because creditors cant approve me for anything if they have to use my Equifax report.
Product: Mortgage

I applied for mortgage assistance, and have been told on each call that I am in the decision process. I was even given an extension on the forbearance financial assistance I applied for back in XXXX of 2020. Still having no job due to covid and the need to attend school recertification to gain employment no payment could be made without sacrificing other items needed to get back to status quo. My request was to place the missed payments at the end of the contract, which there is no reason this could not be done. I received a call, no notice, no email, nothing to inform me this might be done and I can appeal the process or the process to appeal the process. They have immediately reported the payments as late making it almost impossible to refinance the property at a reasonable rate. I dont have any documentation to send because all I have received is a phone call.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX A Account number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account number : XXXX, & Account name XXXX XXXX XXXX Account number : 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 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: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX