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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan opened at XXXX on XX/XX/XXXX under the account number XXXX ; a loan opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX ; an auto loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX  ; and a credit card collection account opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, including inquiries from XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the aforementioned fraudulent items be removed from my consumer report. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been paid in full with settlement offer they are still reporting that I owe {$590.00} when my balance is now {$0.00} they also said that they will remove it from my report. I have proof that it was paid off onXX/XX/2018.
Product: Debt collection

While reviewing my credit report on XXXX I notice a mark against my credit report from a company that I did not recognize. I filed a complaint through XXXX  however, nothing has been done. 

I then contacted Debt Recovery Solutions , LLC ( original Creditor Name : XXXX Mastercard ) who apparently holds the debt. I asked them to provide me with documentation of when the account was open, and any documentation of a signature. As of XX/XX/XXXX, I have not received any information. 

According to what is showing on my credit report the account was open XX/XX/XXXX. I don't recall ever opening an account, receiving a card or using a card.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from OneMain Financial. I paid off one loan and they added all kinds of interest fees. I didn't understand where all the charges were from so I was negotiated into taking out another loan to satisfy the first one. Now I'm stuck.. I don't remember the exact date but it was about 4 years since I've been dealing with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported these inquiries as unauthorized and fraudulent and ask the bureaus to remove them they will not respond! Only inquiries I authorized are active good standing accounts on my credit report any inquiries not associated with a active account was not authorized by me
Product: Checking or savings account

On XX/XX/XXXX I opened a CIti checking and Savings accounts as a result of a {$500.00} advertised promo I got in the mail. In early XX/XX/XXXX I contacted Citi to verify what else is needed for me to get the {$500.00} promo, they told me that my account wasn't eligible for the promo. That was the only reason i opened the account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm sending this complaint to Equifax on behalf of the XXXX accounts that are suppose to be removed from my credit report as of XXXX XXXX, XXXX XXXX Please see the CFPB XXXX XXXX XXXX. I spoke with XXXX XXXX with the XXXX loans company and he stated that the request has been sent. Equifax is the only credit reporting company that still have these accounts on my report. This accounts are hindering me obtaining any type of credit to establish life after hurricane XXXX. Please see the CFPB XXXX XXXX attachment for my complaint and their response. Please see that i sent a Validation request and that is the reason why i sent the complaint to CFPB because they did not answer my XXXX, but someone signed off on the certified.
Product: Debt collection

I have 2 debt collections creditors for the same debt amount. This is being paid to the original creditor. The amount this debt collector has listed is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Money transfer, virtual currency, or money service

XX/XX/2023. 
I was selling a couch on XXXX and a scammer wanted to Zelle me. I did not know this was a scam hype. I sent the scammer {$200.00} because I thought Zelle was updating my account to business so I could get all the funds. I googled Zelles customer service number and as soon as I called them asking what was happening, they assured me they were here to help. I wanted to know if it was a scam and the representative told me they would help me, but needed to see my screen. I downloaded the XXXX app that screen shares and I was immediately nervous and confused. The representative lead me to believe he was helping me get the full amount, the buyer on XXXX was trying to send me. I told him I dont want that money, its fake, and I want my {$200.00} I sent them given back to me. 
Then he continued to make me believe that I needed to have all these transactions on file to match some amount that I was being refunded and I yelled at him that it makes no sense but XXXX me, I did it anyway. I Zelled an unknown email with my name on it ( wasnt mine ). I also sent money through XXXX XXXX to a friend. He sent it back and then the guy made me buy bitcoin and withdrawal it! Why?! 

I called two different Zelle representatives. Both were male, non English speaking, and nice to me the whole time. They drained my account and after they couldnt touch my savings account, they told me Im out of luck and to ask my bank for help. 
I disputed all transactions through XXXX and ten days later they told me I sent the money so I wont get my money back. ( I saw the documents they sent me but they are no longer there ) The act that protects people like me says otherwise. I was a naive victim to some kind of crazy scam, that I am upset at myself for falling for. That {$1500.00} was not sent for any material or service reason. 

Update* XX/XX/2023 We called Zelle this morning and they stated there was no record of me ever calling. *
Product: Mortgage

I was a customer of Wells Fargo home mortgage from XXXX. I had to sell my home through a short sale in XXXX. I have read there has been a settlement to help customers affected during that time period and would like to know if I was negatively affected or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have attached letters for my new complaint to the bureaus.
Product: Mortgage

Bayview Loan Servicing is trying to take advantage of their customers. I went for a loan modification & was origionally denied. I appealed it & still was denied until I spoke with someone who has helped me get a modification. The only problem is that the modification is really not a modification but only 1/4 of a point off. Instead of saving at least {$200.00}. - $ XXXX.a month, they only gave me {$100.00}. a month witch does not help much. Then, on top of that, they want to raise the APR by 1 % every year after the 5 year period for 5 years.That is NOT how a modification works. That is not saving me anything. It is a big fraud modification. All they have is excuses when I call them. I will Not pay {$200.00} extra a month for 13 years, just for " saving '' me {$100.00}. a moth for 5 years. 
I hope this problem can be resolved. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing two inquiries Fraudulent from Transunion Credit Report. XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit Reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Account charged off. {$2900.00} written off. 
XXXX XXXX XXXX Potentially negative ount info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment $ 400 Monthly payment {$380.00} XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$390.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00}. 









ALL FCRA VIOLATIONS SEE HANDBOOKS : NOT MINE
Product: Credit card or prepaid card

I had disputed the following transaction with chase bank : XXXX - {$14.00} from XX/XX/2021 iI had raised this dispute because I had purchased a pack of chocolates from XXXX  and when I got home and I opened the box, I saw that half the chocolates were missing so I went back to the merchant to return it for a refund as its wasn't my fault that half chocolates were already consumed but the merchant refused to refund me so I called chase dispute department to file a dispute and the lady over from customer service was so XXXX, she asked me questions and I answered her and she told me that I have to wait for 15 days to get a refund from the merchant? Are you serious? The merchant clearly told me that they are not giving me a refund for anything and the lady over chase kept arguing and hung up on me.
Product: Debt collection

EDFINANCIAL DEBTED ME A {$2000.00} DEBT I DO NOT OWE AND FAILED TO PROVIED PROOF OF DEBTAND PROOF OF CONTRACT SAYING I AGREED TO THIS DEBT
Product: Prepaid card

I received an AMEX gift card for XXXX. I have never successfully used this card anywhere, even though it remains active. This is a physical card, and it is declined both online and in brick-and-mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take this card. I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the card ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balance for my unusable cards to a virtual card. They can not offer me a refund. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not resolve with AMEX customer service nor can the original purchaser. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account number : XXXX
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 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 had a recent unauthorized hard inquiry that showed up on my transunion report. I contacted the company who had no knowledge of the inquiry. I contacted transunion about this inaccuracy and was told that they can not do anything about it. According to the FCRA, it is their responsibility to investigate and delete the information if proven not to be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : ALLY FINCL # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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: Debt collection

I paid this debt before I got it properly verified. After I paid the debt, I wanted to make sure none of my rights were being violated. I am concerned that m y HIPAA rights  have been violated. The original creditor of this debt is  XXXX   XXXX . I a sked for verification for this debt ALONG with my consent to release this debt. Frost Arnett sent me a complete itemized statement with my cpt codes concerning some very private tests that I '' ve had. This is a very d elicate situation for me and I do not want my files sent to anyone and any company without my permission. Although they sent the statement, they failed to send me any documents that allowed them to have possession of my personal belongings. Thinking that maybe this was a mistake on their end, I sent a letter on  XX/XX/2017    for the verification AND proof of consent of the release of my documents and I have a receipt that shows they received it o n the 3rd. This time I heard nothing back from the company.
Product: Checking or savings account

On XX/XX/2024 I began a new job as a XXXX XXXX for XXXX XXXX who owns a company named XXXX XXXX XXXX XXXX and allegedly worked for my XXXX. I was then given many instructions on what i would be doing. Then on MondayXX/XX/2024 XXXX sent me a check of {$18000.00} via email and was told to print it out on XXXX paper and deposit it as it would used towards investing into XXXX  on his behalf and I would receive 20 % of the deposit. Upon depositing the check the same day my account became restricted. I then called Capital One on XX/XX/2024 to clear the restriction and was told that it sounded like a scam and how the check may have been fraudulent. The bank then told me that they would close my account because i fell for a scam but they would keep an open investigation. The next day,XX/XX/2024 I went to make a police report of a potential scam.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion.

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$4700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account number : XXXX Balance : {$710.00}