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

My name as appears on my Birth Certificate and Iowa XXXX XXXX is different from the name on XXXX, Transunion and XXXX credit reports. My name is incorrect on XXXX, Transunion and XXXX. These names are all variations of my given name, but not my given name. I do not go by any variation of my name these names which I did not provide, and the information attached to these variations are not my information. I have attempted to address these inaccuracies and incorrect information, however XXXX, Transunion and XXXX refuse to update their files with my correct information. I have not been able to prove my correct identity to these XXXX bureaus, XXXX had a incorrect birth year XXXX and no birth date, i spoke to a rep and asked how are you able to verify information with an incomplete XXXX profile full of inaccurate and inconsistencies? I mailed a letter to XXXX and they received the letter on XX/XX/XXXX and XXXX has not updated my XXXX to reflect my correct information. XXXX has different variations of the name but not my name. there are addresses, phone numbers, and employers i do not recognize. Transunion is still to this date locking me out and making it basically impossible to get a response from them. Transunion has variations of the names, employers i never was employed by and addresses i have never lived at. also there are multiple inconsistencies with the XXXX file and according to law, I want the XXXX account deleted and XXXX am a government XXXX, being harmed by the malisious practices of these consumer credit reporting agencies, they are harming me financially, Personally and businesswise. I have provided all requested information in the past and still not able to verify the incorrect information pertaining to what is supposed to be a file reflecting my person, which it doesn't. The bureaus maintain their information files are correct and need to update my file to reflect my XXXX profile as it is, not as whoever provided this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but XXXX and XXXX have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record
Product: Credit card

Attention Amex Investors Relations and Legal Department : I hope this letter finds you well. I am writing to bring to your attention certain aspects related to the electronic chattel paper associated with my credit card application I originally issued to you on XX/XX/2020 for a Amex Blue Cash Everyday credit card which, based on my understanding, has been transferred into your Trust, American Express Credit Account Master Trust, via your Depositor and Transferor : American Express XXXX XXXX XXXX XXXX XXXX and/or Servicer : American Express Travel Related Services Company , Inc. , and subsequently became a trust asset and trust property. 

As a diligent investor and beneficiary with beneficial interest, I have conducted a thorough review of the information available in your 424B5 prospectus filed with the Securities and Exchange Commission and your Trust Indenture Agreement with XXXX  XXXX XXXX XXXX  XXXX. It is my understanding that, as the trustee overseeing the Trust, whether it be American Express Company, Travel Related Services ( " TRS '' ) or any other of your affiliate ( s ), you have a fiduciary duty to perform in good faith, with honor and clean hands. I am writing to assert my rights as an investor and beneficiary with beneficial interest based on the provisions outlined in the aforementioned legal documents. 

Asset-backed securities, as delineated in the prospectus, are a form of investment collateralized by a pool of assets. These assets typically generate cash flow from various sources, including loans, leases, or credit card balances. Given that I am an investor and beneficiary in the Trust, I believe I am entitled to claim and redeem my rights, titles, and interest based on the fiduciary performance of the Trust and Trustee. 

I kindly request that you provide me with detailed information regarding the status of my credit card application within the Trust, including any relevant documentation that supports the electronic chattel paper 's transition into a trust asset. Additionally, I seek clarification on how I may exercise my rights as an investor and beneficiary, as stipulated by the fiduciary duties outlined in the prospectus and the Trust Indenture Agreement. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Should you require any additional documentation or information from my end, please do not hesitate to contact me via the contact information you have on file. 

Thank you for your cooperation in this matter. I trust, no pun intended, that, in adhering to your fiduciary duties, you will provide the necessary transparency and assistance to address and rectify my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old credit card account listed on Experian as " XXXX XXXX XXXX XXXX XXXX listed as " Open '' which is incorrect. The account was closed three to four months ago and I let Experian know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. 

Experian verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. 

I submitted a second dispute with much of this information contained herein and called Experian dispute department to ask a few questions to see if I can get this resolved correctly this time. 

The Experian representative claims Experian contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. 

He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. 

Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. 

Experian is blatantly violating the FCRA by not investigating a dispute that has obvious merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, me and my Wife requested o copy of our report from XXXX XXXX XXXX. On every single spot where should be our birth dates on our report it says XXXX which is incorrect. We tried to contact Them so They may correct the birth dates on our reports but They told us to contact You. All other credit report companies has same issue with our birthdates. Seems like everyone is missing the correct ones. 
Please help. 
Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX Balance : {$40.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have filed a complaint against XXXX XXXX XXXX XXXX XXXX with the CFPB concerning fraudulent reporting of a non existent debt. The number is XXXX. 

I disputed the account with Transunion on XX/XX/2021. They " automatically '' validated the debt with the fraud company and sent me results on XX/XX/2021 that the debt was valid. 

I responded by filing a second dispute with Transunion stating that XXXX XXXX XXXX XXXX has not sent me any documentation validating the debt. I have asked REPEATEDLY for them to send me proof of the debt and they haven't. The first time I was ever contacted by the company ( by phone ) I DISPUTED the debt and confirmed with my credit union ( email attached ) that the debt is not valid. XXXX XXXX XXXX XXXX  has not sent me any information about the debt, I have not received ANYTHING in the mail from them. They are breaking the law. 

I asked Transunion on XX/XX/2021 to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I asked that the description of the procedure used to determine the accuracy and completeness of the information is needed. 

I asked for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof the debt is valid or bearing my signature. 

Today I received a form letter from Transunion saying that their " investigation is complete '' and that the collection company has verified the debt. However, I did not receive any of the information I asked for in the letter. No evidence to back up the debt, no signature, no name of anyone who personally verified the debt. 

Transunion is allowing a debt that has not been proven valid to remain on their system. It is not in " Disputed '' status, and XXXX XXXX XXXX XXXX continues to leave threatening messages on my cell phone, also in violation of FDCP as they are threatening mesasges AND they are using fake names and different phone numbers that all end up at someone at XXXX XXXX XXXX XXXX. 

These are clear violations of the FCRA and FDCP acts. The actions of XXXX XXXX XXXX XXXX, along with the INACTIONS of Transunion are harming my credit and causing me financial harm.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XXXXXX/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 shall 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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

XXXX and Transunion stated that I have been late on a payment in XXXX with my XXXX XXXX. XXXX XXXX has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.
Product: Debt collection

There was a judgment filed against me for default in XX/XX/XXXX. I was not notified or received any documents. I was not properly served or notified, therefore I could not defend myself. I did not sign an agreement to pay the debt collection company. They sent me an agreement I signed with car dealership that no longer exist, and on the agreement the debt collection company ( Lobel Financial Corp ) is not on the agreement, the original credit is XXXX XXXX XXXX.This is a third party debt collection company. Also the statue of limitations in California where debt was created has passed its maturity date. Lobel Financial has been garnishing my paychecks in XX/XX/XXXX. They have no right to collect a debt from over 10 years ago and I did not agree to pay a debt to Lobel Financial. They garnish {$280.00} from every paycheck. Also the judgement states I owe {$11000.00} but the attorney office of XXXX XXXX XXXX located in Hawaii states my debt is {$23000.00}. 

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

My current situation is, that I have been victim of fraud, since my XXXX XXXX XXXX account was hacked.Were I was denied from the total access into my personal customer portal.Consequences of this evil criminal action.Honestly, i'm facing the worse nightmare ever.So whoever took ownership of my hacked account.Had the audacity to contacted every single individual from my XXXX friends list, a total of XXXX persons, wich i consider long amount.Using my identity, trying to obtain personal data information from them, for financial purposes.After this incident was brought to my attention, immediately I report my problem to the XXXX customer support.Staff members, that haven't reply me back till today 's date.Then a couple days after.I couldn't access my chat messenger app, also from my two primary electronic emails address, we're I used to receive all my important personal events.Some of my debit prepaid bank cards was compromised, matter that is taking care already.Plus on my credit report it shows a dramatically amount of credit inquiries, the ones are impacting negatively into my current score.I start receiving emails orders confirmations from XXXX, XXXX, non authorized XXXX & XXXX XXXX  payments, regular phone text messages referring to personal loans, car purchases, such utilities bills debts that are not common, following thoses steps measures.So, after all this unexpected things start happening, i went to a local police station to file a report.There, the officers provided me a list with the steps for me to follow in order to resolve my concern.I filed a federal trade commission report fraud ( # XXXX ), another report to the XXXX & i contact my 3 credit report bureau placing an alert fraud & blocking the access to any of my personal info.
Product: Checking or savings account

Sandy Spring Bank froze my account with no notification. After wasting cumulative hours and multiple phone calks they are refusing to unfreeze or close the account unless I drive to a branch, the closest of which is an hour away
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS NOT PROVIDED A SCORE, A REPORT, ANY CREDIT INFORMATION SINCE XX/XX/2020 AND I HAVE 17 YEARS OF CREDIT HISTORY. CALLED THEIR GLOBLE CUSTOMER CARE AND NO OF THEIR OFFSHORE OUTSOURCED CUSTOMER SERVICES AND COULDNT PROVIDE A REASON OR TIME FRAME FOR WHEN MY REPORT, SCORE OR MYEQUIFAX.COM REGISTERED PAGE WILL HAVE ANY, ... YES ANY, INFORMATION UPDATED. THERE IS LITERALLY NOTHING ON MY REPORT OR REPORT HISTORY. I HAVE A LOAN REQUEST AND IT CAN NOT BE COMPLETED BECAUSE NONE OF MY EQUIFAX INFORMATION IS AVAILABLE FOR THEM TO COMPLETE THE LOAN PROCESS AS THEY REQUIRE 3 CREDIT BUREAUS REPORTS AND SCORES. NEITHER IS AVAILABLE FROM EQUIFAX.
Product: Debt collection

I discovered a debt was owed to XXXX energy at the end of XX/XX/year> when applying for a mortgage. The debt collector is/was CBE group XXXX The group itself took no action in contacting me. Not by phone, email, nor physical mail. When contacting the group to resolve this issue. They used misdirection tactics and gave conflicting information. Even tried to act like me contacting them was " an attempt by them to collect debt ''. When no attempt has ever been made. I tried to get a letter of deletion and paid said debt off. However, the company remains difficult and refuses to stay consistent in their information given. The manager at one point said " I don't know the rules for debt ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote them over three times this is my third letter they are in violation of usc 1681 s-2 15 usc 1681 ( A ) ( 2 ) ( B ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1681 ( A ) ( 1 ) I ASK FOR verification of this debt XXXX is using stall tactics by saying it isn't me but I provided proof that it was XXXX and Experian has yet to respond I have pointed ALL THE THINGS I NEED VERIFIED
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i report fraud because person use my social security but used other last name danger my credit report please remover all inquires by other out my authorized check my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to followup with Trans Union after they have not answered my numerous calls and letters I sent it to fix the errors on my credit report. I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX  XXXX and the us small business administration inquiries. credit plus did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX creditor : I tried disputing this many times with Experian. The only XXXX that I have ever had was prior 2014 Bankruptcy that has been XXXX for more than XXXX yrs. When I contact XXXX I can't get anyone to provide me with information regarding these XXXX accounts like the items purchased or the address shipped to. I have been disputing this with Experian and it is still appearing on my credit report.
Product: Credit reporting or other personal consumer reports

Dates: XXXX XXXX XXXX XXXX XXXX
Amount: XXXX
Action Taken: I sent several dispute letters
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violates 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I requested a refund for my XXXX payment from Mohela due to the amount ( {$710.00} ) being taken out on XX/XX/23. The refund was supposedly initiated. The representative I spoke to yesterday morning stated a refund was showed to have been issued on XX/XX/23, however, this payment was never received back into my checking account. I had automatic payments debit payments set up. I then asked the representative if she can tell where does the system reflect where my refund was sent to and she stated being unable to determine where this alleged refund was sent to. It is absolutely fraudulent to state in The Mohela system a refund had been issued to me, when in fact this is untrue and yet they are unable to verify where my refund was sent to. Also, a second {$710.00} payment was taken from my bank account on yesterday despite my current monthly payment being set to {$0.00}. 

Mohela has stolen {$1400.00} from me and have not refunded me. This is absolutely unacceptable and unethical. 

Please sent help have the government do an investigation on this loan servicing provider. Ive never had this issue with my previous loan servicing provider and had not missed payments. This is emotionally exhausting and causing me a lot of stress/anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experians, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.