23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Transunion provided my information to XXXX XXXX who submitted my social with a false address. I called Transunion to request they remove the credit inquiry since their dispute service online does not allow me to dispute inquiries. They told me to send a letter with several pieces of information. I sent that letter to Transunion on XX/XX/2018 and have not received any communication from them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why my FICO IS XXXX WHEN OTHER CREDIT COMPANY REPORT MY CORRECT FICO SCORE?
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was opened fraudulently without my knowledge XXXX I have no knowledge about this account because my identity was stolen XXXX XXXX XXXX XXXX {$13000.00} account was opened without my knowledge and I have an FTC report XXXX XXXX XXXX XX/XX/XXXX Capital XXXX XXXX XX/XX/XXXX XXXX  stride bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Self lender XX/XX/XXXX XXXX Federal XX/XX/XXXX Personal information Address XXXX XXXX XXXX XXXX XXXX, KS was never at this address and need to be removed from my credit report XXXX country XXXX XXXX wrong address on my profile needs to be deleted XXXX XXXX XXXX XXXX XXXX wrong address on my profile XXXX XXXX XXXX XXXX XXXX need to be removed from my credit report because I had no idea on these
Product: Money transfer, virtual currency, or money service

On XXXX I purchased {$500.00} dollars in bitcoin on the cashapp app. 

Because I was going to have " XXXX '' on XXXX to invest it to make me money in bitcoin mining. 

I soon after sent her or him two separate bitcoin transfers of {$250.00} dollars and {$240.00} dollars in bitcoin to the Bitcoin address server XXXX XXXX few days later got the email invoice from XXXX asking me to pay an extraction fee of {$1600.00} to receive my profit. 

XXXX never told me about this. This wasn't the agreement I made with her or him. 

I thought this business proposition was real because there was video testimonials of other people on XXXXXXXX XXXX XXXXXXXX profile saying and demonstrating this was legit. 

I contacted the cashapp company about this. And asked for my {$490.00} dollars sent back to my cashapp account since I now know this is a scam. But the customer support agent named " XXXX '' on Cashapp told me. " Cash App is unable to reverse a bitcoin transaction once it is initiated. ' That doesn't seem right to me that Cashapp is just going to let this scammer, or these scammers steal from me, and continue to steal from others.
Product: Credit card

I disputed a transaction with USAA back in XXXX! At first they denied the credit and then later on this past XXXX they gave me the {$1000.00}, back to me but they never took the balance out of my account balance. So basically it shows on a statement but never took it off of my credit card balance. Also they fraudulent put the credit supposedly back in XXXX when the dispute was reopen in XXXX which is very strange to me because then the credit should show in XXXX statement not XXXX. I really need some one to look into that because they show it on my statement but never credit the {$1000.00} dollar to me on my account balance and my account summary and balance prove that. If that was credited I wouldnt still have {$1000.00} shown on my account l.
Product: Mortgage

Have been contacting the company non stop since XX/XX/XXXX. Customer service is the poorest & get different information with every representative I speak with. The collection company is no help & dishonest & when requesting contact with their superiors is a waste because they won't return messages. I requested a payment arrangement & was advised I didn't qualify. An modification was suggested & when I called the number provided to request a packet I was advised I did not qualify. What am I to do at this point & it seems as if rushmore loan management is a problematic company who doesn't listen or truly try to assist consumers. I am positive there ultimate goal is to complicate as many transfer loans as possible so that they can ultimately foreclose & sale for an higher profit.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, i found a decent amount of inquiries that I have never authorized to occur, I understand that soft inquiries do not affect my credit report, however by allowing third parties and other companies to gain access to my personal information as well as my private information ( name, address, phone number place of employment etc ) it puts me at considerable risk to potential personal/financial harm or fraud, and is also a violation of my right to privacy. 

There was also no permissible purpose for these inquiries, in order to obtain a consumer report on an individual you need permissible purpose under 15 USC 1681b, which is either a court order, or a written request from the consumer authorizing an inquiry, I would like to request from transunion the court order or written instruction that was given to any of the below listed companies that authorizes them to make an inquiry into my report. 

LIST OF UNAUTHORIZED INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The following account was charged off as of ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX originally applied for and received a loan of XXXX dollars from XXXX XXXX ( XXXX XXXX. No. : XXXX XXXXXXXX XXXX XXXX  ) a company whose loan products seem to now be owned by XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) assumed servicing of the loan. I have since paid the balance down to XXXX dollars ( as of XX/XX/XXXX ). However, on my Experian credit report it still shows a balance of XXXX dollars dating from XX/XX/XXXX under lender name of " XXXX ''. 

A few days ago, I contacted Experian repeatedly and even filed a dispute resolution request online with them. Experian then rejected the request and upheld the false balance entry, citing the fact that the lender maintained the balance is correct. ( I do not know if they spoke tXXXX XXXX XXXX XXXX XXXX XXXX ) to make this determination. I then contacted XXXX XXXX via phone, who refused to help in any way, giving me the phone number for XXXX. I called XXXX  and they said it is XXXX 's responsibility to report the loan correctly, not theirs and that they ( XXXX XXXX had been reporting for me monthly ( a claim that is false as there is, as of XX/XX/XXXX XXXX PST no entry for XXXX on my Experian credit report ). In sum, XXXX puts the responsibility on XXXX and vice versa. Experian defers to the " lender '' - I do not even know who they spoke to or who the " lender '' is at this point. In any case, my XXXX XXXX is unfairly and materially adversely affected by the false balance appearing.
Product: Credit card or prepaid card

Dispute of {$1600.00} on my chase card was initiated by me on XX/XX/XXXX, for the charge that posted on XX/XX/XXXX. The merchant is XXXX XXXX XXXX XXXX  in XXXX XXXX, VA. I disputed it on the fact that services were not performed nor did I receive the services. After several months, Chase informed me in XX/XX/XXXX that they were siding with the merchant. The merchant has provided false information to Chase and I have provided proof that the information and answer by the merchant are lies/false. Chase refuses to understand even with proof that the merchant 's answer is fraudulent. The balance has remained which I will not and will NEVER pay any of this balance. Chase is allowing fraudulent activity by a merchant. There were never any services performed or received.
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 XXXX 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 on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$2200.00} that appears related to the aforementioned personal loan account opened at 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 # ( 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.
Product: Credit reporting or other personal consumer reports

I applied for an Apple Card yesterday XX/XX/XXXX and was automatically denied. 

The emailed report had false credit scores. 

My score is around XXXX while the denial application shows XXXX. 

The department supervisor for the Apple Card division mentioned nothing could be done regarding my credit worthiness and proceeded to defy federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquires on my report or someone applied for something in my name. According to the FCRA ( Fair Credit Reporting Act ), Legally these unverified & unauthorized items must be Removed. All inquires are listed Below. 

XXXXXXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Last XXXX XXXX FCCFINANCE {$8200.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account This account has XXXX late payments because it is fraudulent thats why payment is not being made but yet it stills reports FCC FINANCE continues to report an open fraudulent account. They continue to report late payments, which is affecting my credit worthiness and my ability to get a home. XXXX XXXX and FCC Finance continue to report incorrect information to my credit report. I will be filing a consumer lawsuit against XXXX XXXX XXXX, XXXX XXXX and XXXX for their negligence and total disrespect to my claim. Ive disputed this account over 6 times and yet it still reports on my credit. Ive sent in verifying documents such as, police report, sign affidavit, dispute letters, even called XXXX and spoke to the special handling department and was told my social security number and personal information did not match and my XXXX account was going into maintenance to correct errors that XXXX has reported. 

I spoke with XXXX XXXX XXXX XXXX XXXX of FCC who ensured me that the fraudulent account would be removed immediately from there system due to fraud but yet it still continues to report. If this account is not removed with in 24 hours. I will be filing a lawsuit against FCC Finance LCC and XXXX. For violating my consumer laws and violating the FCRA. I also believe that FCC Financial has violated the ( The federal Fair Debt Collection Practices Act ( FDCPA ) after countless times of me letting them know that the debt was not mines. They still called and harassed me concerning the account. 

Under the FDCPA, lawsuits alleging violations of the FDCPA must be brought " within one year from the date on which the violation occurs. '' ( 15 U.S.C. 1692k ( d ) ). In the case of Rotkiske v. Klemm, 589 U.S. ___ ( 2019 ), the U.S. Supreme Court clarified that the one-year statute of limitations for an FDCPA violation begins to run when the alleged violation occurs, not when the offense is discovered, absent the application of an equitable doctrine. 

Ive also contacted the FTC with FDCPA concerns. 

Ive also contacted the states attorney general concern this matter. And plan on pursuing full legal action on XX/XX/XXXX FCCFINANCE {$8200.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account FCC FINANCE , LLC XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX IN Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Account Name XXXX XXXX Account # : XXXX Account date open : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
ACCORDING TO FAIR CARES ACT
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, Tomy surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, XXXX  continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. XXXX, transunion, and XXXX  needs to remove these items my scores are supposed to w   in the XXXX.
Product: Checking or savings account

XXXX deposited a workers comp insurance payroll check from XXXX for {$1600.00} The check was placed on hold even though chime already received funds. They keep saying it's to ensure it doesn't bounce but they already received the funds.
Product: Debt collection

I recently checked my credit report and saw that IC SYSTEMS , INC is reporting a debt on my credit report and I never was notified of this debt
Product: Credit reporting or other personal consumer reports

Landlord hired a debt collector using the lease as proof of debt. Lease stipulates that landlord is required to attempt to fill the vacancy left by a tenant who is breaking the lease. XXXX XXXX the debt collector posted the debt XX/XX/year>, but the lease itself did not complete until XX/XX/year>. Also as a multi year resident we made friends with the neighbors, so we know roughly when the new tenants moved in, and could swear in court that it was before XXXX of XXXX. We pick up packages from the new residents intermittently that are shipped there by mistake.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

There are medical things on my report yet i have Medicaid and have no medical balances owing. Some credit card accts are not mine and i need to dispute them. How can i despute these accounts?