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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute with XXXX  and XXXX  for the information reported for Bridgecrest. Bridgecrest customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. XXXX  is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to XXXX  and XXXX  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. XXXX  shows the exact same date closed. i have reached out to XXXX  and XXXX  as well as Bridgecrest. There is no reason for XXXX  to show no late payment and only XXXX  to show. XXXX  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.
Product: Credit card

On XXXX XXXX XXXX account opened with XXXX for a credit card in the Amount of {$XXXX0} Acct # XXXX was opened in my name with out my knowledge or consent. and mailed to the Address of XXXX XXXX XXXX, XXXX mi XXXX a home in which i have never stayed but was being used to create a false identity using my personal information and have goods mailed in my name. I have tried to reach out to this company about this matter concerning this fraudulent account several times. I was hung up on or Ignored all together when talking to customer service representatives for this company. This company has received a copy of the police report filed by me at my local police station and FTC Report from the Federal Trade Commission naming this account as fraudulent but still is trying to collect this debt and is still reporting this debt to the 3 major credit bureaus making me ineligible to obtain housing or reliable transportation due to this companies negative reporting of this fraudulent account. This company has Ignored all Requirements of its obligation of furnishers under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 section 623 I have tried all that i can, but these companies do what they want.
Product: Checking or savings account

I received a refund check from XXXX for canceling my Homeowners insurance. I deposited into my Chase account and I was informed by Chase it will be on hold for 11 days. This has caused undo stress and failure to pay bills ontime. The check was for {$1900.00}. I'm still waiting, my mortgage check was returned, this will cause me to be late. I'll be unable to refinance as planned and my credit will be affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, after me being released from the XXXX XXXX XXXX XXXX, XXXX  ; XX/XX/XXXX, XXXX XX/XX/2021, I checked my credit report thru XXXX report confirmation number : XXXX, Transunion.com file number : XXXX, and found many fraudulent notations on that report : XXXX XXXX XXXX account XXXX, in amount of {$440.00}, XXXX XXXX XXXX XXXX account XXXX in the amount of {$460.00}, XXXX XXXX XXXX account XXXX in the amount of {$300.00}, XXXX XXXX account XXXX, in the amount of {$490.00}, XXXX XXXX XXXX XXXX. account XXXX, in the amount of {$550.00}, and found many fraudulent notations on the reports and immediately contacted the reporting companies fraud department and I submitted a complaint to no avail has the issues been resolved nor has the erroneous notations been removed from my reports, Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I cosigned a recreational vehicle loan with my then-husband. In our divorce decree a year later, my ex-husband was held accountable for the loan and I was to be held indemnified in the case of default. 
All payments were made on time to the loan. 
In XX/XX/XXXX, I received a credit monitoring notification that the RV had been repossessed due to unpaid storage fees from a reseller lot. All payments to the RV loan were still being made on time. Despite my legal indemnity, I immediately made arrangements to pay the outstanding fees and reclaim the RV. 
In violation of the XXXX code, Huntington never sent me written notification that the vehicle had been seized. They never sent me notification of how I could reclaim it. They did not abide by the 15 day redemption period set forth by the XXXX. The vehicle was sent within 6 days to be auctioned. Had I not gotten a notification from my credit monitoring service, the vehicle could not have been redeemed and the bank would have taken a loss. 
Also in violation of the XXXX, the vehicle was stripped of personal items such as unattached electronics, propane tanks, the license plate and the keys. By law, I should have been notified in writing of the personal items contained in the vehicle and given an opportunity to retrieve these items. They never provided this notification and the items were never returned. 

Additionally, the reporting to the credit reporting agencies is inaccurate. The date listed for the repossession/voluntary surrender, according to my credit report, is XX/XX/XXXX. According to the account payment history, as shown on the Huntington online account, the repossession occurred on XX/XX/XXXX. 

I insist that this account be removed in entirety from my credit reports as it is, in numerous ways, false and misleading and Huntington violated the Michigan XXXX by sidestepping the notification process that could have prevented the whole repossession to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus to correct the balances reported into my credit reports to two credit cards. I have also contact XXXX XXXX  regarding the incorrect balances reported in my credit report. XXXX XXXX  account representative has advised me that I have a {$0.00} balance in both accounts, and they have sent the information to the 3 credit bureaus and that I need to contact them if they haven't updated the information from the end. XXXX XXXX  as advise me that has sent the updated information in couple of occasion. I called the 3 credit bureaus and they had completed the investigation and they come up with the balances are correct. I requested for what type of verification they used to proof the balance is corrected and they can provide me with that information. This account has {$0.00} balance back since 2021. The credit bureaus and XXXX XXXX  has me back and forth and no resolution has been made to my credit report. Please help me to resolve this situation. This should be an easy fix. I do not want to go to a legal process when XXXX XXXX  states that I have a {$0.00} balance in the following accounts : XXXX  XXXX balance on 3 credit Reports {$1000.00} XXXX XXXX balance on 3 credit reports {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax 2 certified letters to remove inquiries that I didnt authorize, one letter a month, we are now at month three and nothing has been done to resolve thisEquifax refuses to remove or even dispute these findings, they are breaking the law and I had enough of the credit companies always strong arming the consumerdo what they please instead of what the law reads ... now these inquiries are listed here ... .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 XXXX, ..XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been falsely reporting information on my credit report that has impacted my score and credit report. 
The following collection accounts listed below have been furnished on my credit report a totalling a balance owed collectively {$1400.00} The companies are : XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$280.00} XXXX {$520.00} At no time was written consent provided to Experian or the debt collectors to furnish the information on my credit report. Without my WRITTEN CONSENT the accounts are considered frauduent under the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY
Product: Debt collection

My banking accounts with CHASE Bank were compromised from a scammer. Resulting from 3 fraudulent atm transactions. The bank paid back the money owed to me to investigate. The bank representative that called told me that I made the purchases and they then took the money back out of my account resulting in a very huge negative debt. The scammer got ahold of my information, log in, my data was exposed to this thief. The scammer then said that they had a hold on all my accounts if i did not pay the debts that took out of my account. I called a branch manager right away to report the theft. The banker said i had a few months to pay the debt, that was never my debt. Someone stole from me and seized all my personal information. The bank closed my account and threw my account in collections. Now i have a huge debt to pay that i never made. I am asking for legal help or write a right to sue letter to the bank for my personal information being exposed in a security breach or i do not know what it is called. Point is, someone stole from me and got ahold of my information. I do not know how to go about this. I get repeated calls from Ohio area codes constantly harassing me for the debt for my CHASE bank account being stolen from me. What can I do? The phone number that keeps harassing me about the debt is XXXX They in one day called me more than 10+ times in one morning. I do not understand how to resolve this issue. And, i would like legal help and advice on what to do. What can I do to make this stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX  XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021
Product: Vehicle loan or lease

I bought a new XXXX and it was to have 90 days to make the first payment. I bought this car in mid XXXX. I received a bill with a payment due at the end of XXXX, well within the 90 days. There is nothing on this statement indicating the payment is not required by XX/XX/27.
Product: Money transfer, virtual currency, or money service

XXXX XXXX First thing that I have noticed is that they use XXXX as a third-party money transfer. when I go to enroll in XXXX, XXXX told that I have to have an account for 90 days. Furthermore, I have this account since XX/XX/XXXX so XX/XX/XXXX qualifies me to have an account over 90 days, but the message I received is that you can not enroll because you do not have an account for 90 days. 
When I reached out to the representative, I let them know the message that I received. They said OK we see that you do qualify for the upfront qualifications, but we do have a confidential qualifications that you do not qualify for. So basically Im being denied to use XXXX without a verse action on the reason why.

Also, another money transfer that they offer is XXXX XXXX XXXX XXXX does not allow you to add money back to your bank account. I have went through the verification process and they said that they are still fixing the issue regarding you adding money to XXXX XXXX. 
The error message that I received are totally invalid and theyre misleading and misrepresented of the reason why I am unable to conduct services under the third-party services that they offer
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED ACCOUNTS THAT WERE OPENED FRAUDULENTLY DUE TO ME BEING A VICTIM OF IDENTITY THEFT. THIS COMPANY HAS IGNORED MY REQUESTS, ALTHOUGH I HAVE PROVIDED PROOF OF IDENTITY, A POLICE REPORT, A FTC REPORT, AND FILED A CFPB COMPLAINT PREVIOUSLY. I HAVE SINCE FILED AND WON A LITIGATION AGAINST TRANSUNION FOR THEIR MALICIOUS TACTICS NEGATIVELY IMPACTING MY LIFE. SINCE THEN, THEY HAVE REMOVED ONLY A SELECT FEW OF THE ACCOUNTS OPENED WITHOUT MY PERMISSION, BUT HAVE LEFT THE INQUIRES THAT FOLLOWED. I HAVE REACHED OUT TO TRANSUNION MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE BROKEN THE LAW BY DOING SO ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. TODAY XX/XX/23 I SPOKE TO XXXX XXXX AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT TRANSUNION DOESN'T DELETE INQUIRIES WHICH IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST. THE FCRA STATES THAT NO ITEM CAN BE REPORTED ON MY CONSUMER REPORT WITHOUT VALIDATION/ MY PERMISSION. SO THAT IS ALSO A VIOLATION OF MY RIGHT TO PRIVACY. I HAVE NO CONTRACTS WITH XXXX XXXX OR XXXX XXXX XXXX. I HAVE REACHED OUT TO BOTH COMPANIES AND REQUESTED A WET SIGNATURE OR ANY PROOF COLLECTED TO VERIFY IT WAS ME WHO REQUESTED TO OPEN AN ACCOUNT WITH THEM. THEY HAVE NOT BEEN ABLE TO PROVIDE ANYTHING, SO WHAT INVESTIGATION IS BEING DONE BY TRANSUNION IF THEY COMPANIES THEMSELVES HAVE STATED THAT THEY DO NOT HAVE ANY PROOF? I SENT ANOTHER FTC, POLICE REPORT AND A LETTER TO TRANSUNION ON XX/XX/23. ON XX/XX/23 I RECEIVED A LETTER IN THE MAIL STATING THAT MY FTC REPORT WAS " NOT VALID '' BECAUSE OF MISSING INFORMATION, WHICH IT WASNT. TWO OF THE FOUR DISPUTED ITEMS WERE REMOVED FROM THAT SAME FTC REPORT SO HOW COULD IT BE " MISSING INFORMATION ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, XXXX, and XXXX on XX/XX/01 and was told I needed to file out an FTC report to get inquires removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is not mine. 

XXXX XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectXXXX XXXX - Incorrect XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I am writing to dispute some information that has appeared on my consumer credit report. 

About three weeks ago I was contacted by credit bureaus due to a change in my rating that reduced my credit score by XXXX points. It appears that Dovenmuehle Mortgage has reported that my thirty year fixed rate loan has been increasing by over {$4000.00}. 

My loan is in forbearance and as per Accommodations under The Cares Act and XXXX XXXX regulations, the overdue amounts are not to be reported to credit bureaus since they will be eventually either be paid in full, paid in installments or added to the end of the loan. 

Please see below for Cares Act regulatory language : As defined by the CARES Act ( referred to as an accommodation under the Act ), your servicer or creditor is required to report your account as current. 
Consumer Finance Protection Bureau Therefore, as per regulation, creditors are to report the account as current and in good standing. I have contacted Dovenmuehle via telephone and email on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2020 but have received no response. Since my last attempt to reach them ; the company has yet again added additional charges that seem like an increase on my loan or a delinquency. 

Unfortunately, my family has suffered loss of income and salary, have contracted XXXX ( XXXX  included ) and are struggling to make ends meet. Therefore, at this time, my credit score and credit line is extremely important because it can help us pay for groceries and support us in staying afloat financially. This situation is placing further financial hardship in our lives. 

My hope is a resolution that will include a withdrawal of this information from my credit reports since it is indeed erroneous ( and perhaps illegal ) as defined by The Cares Act, XXXX XXXX and XXXX XXXX 

Thank you so much for your time and support in the matter. I appreciate your help. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my report that I will like to be removed, Ive sent serval by disputes in regards to these inquiries, these inquiries are fraudulent and I want them all removed XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2025
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance, a car financing company, reported to XXXX, XXXX  and XXXX that I was 30 days late in XX/XX/2020 for acct # XXXX. Before my payment was due, I called the company to let them know I was affected by the XXXX. I requested for help and if I did not receive my unemployment in time, could they mark my account as " Affected by Natural Disaster ''. 

Credit Acceptance instead, reported my account as late, which dropped my credit score 85 points, I'm so sad. I contacted credit acceptance and they refused to change the reporting. This late payment has affected my Excellent payment history with them. Please investigate the inaccuracy of Credit Acceptance reporting of my account.