23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I CONTACTED THE COLLECTION AGENCY ABOUT AN UNKNOWN DEBT I DISCOVERED ON MY CREDIT REPORT ON X/X/2017 AND ON X/X/2017 THEY RESPONDED AFTER OBVIOUSLY ZERO  INVESTIGATION INTO THE MATTER THAT IT IS ME THE CONSUMER THAT NEEDS TO PROVIDE THEM EVIDENCE OF THE DEBT NOT AND THAT I AM NOT ALLOWED TO RECEIVE A VALIDATION OR VERIFICATION OF THE UNKNOWN DEBT THEY ARE REPORTING ON MY CREDIT FILE. THIS IS OBVIOUSLY A TACTIC TO CONFUSE AND CONCEAL MY AND PROBABLY OTHER CONSUMERS OF THEIR CONSUMER RIGHTS. EVEN YOU THE CFPB TELL US WE ARE ALLOWED TO ASK FOR A VALIDATION .... A FACT THAT THESE JOKERS DENY ME THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each bureau by certified mail and they have not corrected the unverified accounts. Here there are : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 these 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 and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing the late payments for account FIRST INV SERVICING CO # XXXX from XXXX 2021. I had some issues with my income being affected by XXXXheCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$8500.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$560.00} XXXX APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Product: Debt collection

I have been contacted incessantly and at all hours by various representatives of Alltran Financial LP. They state I " owe '' {$2200.00} for a " judgement '' to XXXX on behalf of XXXX dating back to XX/XX/2011 but offer to " settle '' it for {$1600.00}. I do NOT owe Alltran Financial LP, XXXX, XXXX nor anyone else they claim to represent ANY balance! I have asked repeatedly for written proof of a valid debt and have yet to receive it. In addition, my numerous requests that they CEASE & DESIST from contacting me other than in writing have been ignored.
Product: Credit reporting or other personal consumer reports

ALDOUS AND ASSOCIATES i don't know this company, never didn't any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an incorrect item on my XXXX credit report since XXXX. Instead of investigating XXXX continues to accept Zion Debt Holdings word for the incorrect item. I have personally requested that Zion Debt Holdings send ME verification of the account, such as, the name and telephone voice recording of who originally ordered the service from XXXX , the date of the request, the billing address given, and the name on the credit card securing the order. Zions Debt Holding has NOT provided this information to me or to XXXX. I have never received a bill for this account because I do not now nor have I ever had an account with them. I am XXXX XXXX XXXX under doctor 's care and the stress of this is further damaging my health. I have maintained excellent credit for more than 60 years. This incorrect collection on my credit report has knocked my XXXX score down from XXXX to below 700. I keep trying to contact XXXX about this, but their phone number takes me to a robot telephone loop. My complaint is about XXXX AND Zion Debt Holdings. Because of my age, I feel totally taken advantage of that borders on elder abuse. I have no documents to submit, because I did not order this service, have never received a bill. I don't know how to upload my letters to Zion Debt Holdings or XXXX. May I send you copies through the mail?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted disputes to the credit reporting agency for late payments to be removed from my credit report due to an error on the creditors part. The credit bureau reporting agencies have failed to look into this and remove the late payments. I recently received a letter from XXXX XXXX regarding the late payments being removed and they stated that they indeed have notified the credit reporting agencies of the changes that need to be made yet they have not updated my credit report to reflect this.
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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a personal loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a personal loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Checking or savings account

Hello, Beginning on XX/XX/XXXX I have been in contact with PNC bank, the lender with which I have my first draw PPP loan that I acquired in XXXX. I took a conservative approach when I took out my XXXX PPP loan and did not request it for as much as I was eligible, as I did not include my own personal salary for which I pay myself biweekly. This year, when the SBA announced that they would be relaunching the PPP program with a number of different amendments, including allowing Customers to apply for an increase to their first draw PPP loan. The procedural notice was issued Wednesday, XX/XX/XXXX, and today is XX/XX/XXXX. PNC still does not have a method by which a customer who has their first draw PPP loan with them can actually apply for said increase. The guidance given by the SBA dictates that increases to first draw XXXX loans can be made only by the lender of record for the loan i.e. the lender that is reflected in the SBA system as the current owner of the loan. Because I bank with PNC, and because my first draw PPP loan is with PNC, I am unable to apply for an increase. Its been three entire months that PNC has had to actually stand up a process to meet the customers needs. Other financial institutions like XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX have successfully set up processes. By not complying to this SBA procedural notice, PNC is doing me and many other customers a disservice. I have contacted my banker no less than six times since XX/XX/XXXX, each time Im given a vague reply like its still in the process as an established yet, will let you know when it is. This back-and-forth and runaround has gone on long enough. The funds allocated to PPP by the SBA that Congress approved are dwindling with a {$10.00} XXXX a week run rate, at this rate folks are projecting the funds to run out in the next 2 to 3 weeks. Even at a more conservative run rate, it is not likely that the funds will even last until the program ends on XX/XX/XXXX. Even still, I do not have faith that PNC bank will actually have an established process for me to even apply for an increase. All Im asking for is the opportunity to apply for the increase as laid forth by the SBA according to their procedural notice. 
I would appreciate if the CFPB could investigate as to why it is taking so long to stand up this process at PNC.
Product: Credit card or prepaid card

Dear Sir / Madam I recently obtained a copy of my credit report from XX/XX/XXXX It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

US BANK CONSOLIDATED All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

I have already paid off this debt with XXXX XXXX at XXXX XXXX XXXX I have told XXXX XXXX agent about it several times and the courts have provided this information as well. Yet they continue to harass me and refuse to take it off my credit or provide more information. I have had identity theft and this account was closed in XXXX. Yet they are saying there are transactions from XXXX. Which is impossible.
Product: Credit card or prepaid card

On XX/XX/21, my wallet was stolen from me and the person went to XXXX and attempted to use all my credit cards to purchase {$200.00} worth of stuff. The only card the person was able to use was my Barclays credit card. I contacted Barclays about this and they dismissed my case as valid purchase when it was clearly fraud as I have location receipts/emails from where I was that day and from my other credit companies notifying me that it might be a fraudulent transaction. 
I have consistently called them as they put the {$200.00} charge back on my account and additionally put another {$200.00} charge with the same transaction number. Each time I have talked to a representative, they each give me a different answer and told me it will take 2 months to resolve and that I must pay the minimum payment or else it will further ruin my credit score. I am currently facing financial hardships and this is furthering the financial strain for me as it is even damaging my credit score. It has been over 4 months now and they have not sent me an email or letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called AES and submitted disputes with all Three bureaus. AES updated late payment reporting on my XXXX but has refused to update my XXXX or XXXX. I have been getting the run around without a response.
Product: Mortgage

Today I received a Notice to Vacate my property despite the fact that I am currently in litigation with XXXX and XXXX. Additionally, I filed a Notice of Rescission which neither organization filed an action in court to challenge as required by law and the recent Supreme court decision. This is now the XXXX entity/ company working as agents for XXXX and XXXX contacting me via mail or in person harassing or attempting to intimidate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

received emails stating my credit had been ran by XXXX XXXX XXXX  and Barclays Bank but no further contact information was sent
Product: Credit card

I had a PayPal account and made payment electronically from my XXXX XXXX checking account. My checking account was hacked, and the XXXX XXXX closed the account and opened a new one. I had payments to Paypal returned insufficient funds. I called Paypal to explain the reason why. They recorded the information but then closed my account and won't let me re-open it. Account was paid off early and XXXX balance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an 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

More then 10 years ago my name and social Security number with part of a major security credit breach with ( XXXX ). Since then I been struggling to keep fraudulent information off my report. Although, I received a financial settlement from ( XXXX ) its not worth what I been dealing with my credit still having fraudulent reports. I have many credit cards old and new on all three of my credit reports that do not belong to me. 

Please help,
Product: Money transfer, virtual currency, or money service

I made a deposit to my account and it was successful. The said amount is {$45000.00} and I got it right in my Gemini account. I bought XXXX  of {$45000.00} from it and they charged me {$1000.00} as buying charges and I didnt complain. When I decided to move my XXXX  to safe and cold wallet after reading peoples review and all I could see is, you cant transfer your XXXX  right now because you need additional risk review. I immediately contacted customer support and they gave me ticket number XXXX and asked me to take a picture with my already registered and verified documents and I did and they said will get back to me. This is day XXXX and nothing have happen. Theyre criminal and I dont trust them anymore. Im not ready to provide any other document they need because going on their history, they sell peoples personal documents to scammers and Im scared since my account is already verified why asking me for SSN, drivers license and many other things with selfie? Government please come to my aid and please ask Gemini trust to allow me transfer my XXXX  and leave in peace
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after being investigated. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send a updated copy of my credit report after the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate and incomplete credit information on my personal credit report. The following information does not belong to me and are completely unauthorized by me : XXXX XXXX XXXX Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

In trying to apply for a mortgage refinance, I learned that Equifax does not provide my credit report to consumers anymore. Not sure why, but they stopped. I then went online to see if I could get into my account and was stopped immediately and informed, I needed to call. Upon calling, Equifax had me provide information to identify who I was through a secure link. I provided my passport through the secure link, and then the representative validated other information on the phone, SS # to ensure my identity. The representative identified that I had not applied for credit in the past several years and that is why they needed to determine my correct information. This is incorrect as I have. The representative then informed me if I wanted to access my account online that I would need to send the documents through the mail. Confused, I stated I just provided you this information through a secure link ( including a current photo which I had to take with my phone ) why would I send it through the mail and risk my information being lost or stolen and being exposed to fraud? I am reporting this as I believe this practice is exposing people to possible information being stolen. I inquired if I could provide it through a secure link, as I just did, and the representative said they only allow that if you have an account. So, I am unable to gain access to my credit report as well as creditors ( I am trying to purchase a home ) unless I send them my social security card and driver 's license through the mail ( not through the secure link ) they will not release my credit report. I think this contributes to individuals ' information being stolen and fraud happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I HAVE TRIED TO FIX THIS ISSUE WITH THE BUREAUS, WITH THE CREDITOR, I HAVE GONE TO THE POLICE DEPARTMENT, I HAVE CONTACTED FTC AND THE ACCOUNT IS STILL ON MY CREDIT RPEORT. THIS IS NOT MY ACCOUNT. I DONT KNOW THE PERSON THAT COULD HAVE DONE THIS, BUT EVERYDAY WE HEAR THAT MILLIONS OF PEOPLE ARE A VICTIM TO DIFFERENT TYPES OF FRAUD. AND SCHAMS. AT THIS POINT I STRONGLY BELIEVE THAT THE BUREAUS PROBABLY SOLD MY INFORMATION ON THE BLACK MARKET AND THE CREDITOR BOUGHT IT. AND NOW THEY ARE PENALIZING ME WITH A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I DONT KNOW WHO ELSE TO CONTACT TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT FROM MY ENTIRE PROFILE.
Product: Credit reporting or other personal consumer reports

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  ACCT NUMBER : XXXX DATE : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXXXXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report. This account has been reporting on my credit report in over seven years it should have been dropped off, but still being reported as a charge off