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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, and I have no idea how they got there. Everything was normal when I last checked, but now there are discrepancies that appeared unexpectedly. I tried refreshing my browser, hoping it was a mistake, but the inquiries are still there. I'm requesting a detailed examination of the documents I provided so that I can put this issue behind me once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

his page lists some civil complaints filed against XXXX XXXX XXXX, in the United States. ... Here is a page listing 116 lawsuits filed against XXXX XXXX ( XXXX ). ... ( 3 ) enrolled consumers in onlinebanking services that they did not request ; and Date XXXX XXXX ; FileXXXX XXXX reaches $ XXXX settlement in accounts-scandal lawsuits XXXX sues XXXX  for {$800.00} XXXX as card split sours the dump credit card XX/XX/2017 - Since the settlement more XXXX XXXX   lawsuits have been filed and ... FREE XXXX XXXX  TCPA VIOLATIONS LAWSUIT EVALUATION ... were received and cashed by this fraudulent XXXX XXXX and placed ... 

XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX or XXXX is a third-party collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ),  including attempting to collect debts not owed and failing to verify debts.
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

I have been trying to get information for the past 3 years and they have yet to send me anything. This has ruined my credit due to this incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

I demand that the collection agency XXXX XXXX service immediately stop reporting to the credit bureaus on a completely fraudulent debt. I am attaching the FTC report. The company can prove that the debt belongs to me only by the fact that they know my name and date of birth, they do not have any other supporting information, as well as my signature on the contract does not match my signature. I have never lived in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT I'M A XXXX  YOUNG MAN THAT HAS BEEN A VICTIM BY A UNKNOWN PERSON THAT IS ACTING AS THEY ARE ME THEY ARE OPINING FRAUDULENT ACCOUNTS UNDER MY NAME
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 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

This is my XXXX 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, OH XXXXXXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXX/XX/XXXX
Product: Mortgage

I took a home loan from XXXX XXXX in XXXX of this year. On XX/XX/XXXX, XXXXXXXX XXXX sold the loan to LoanCare , LLC ( hereinafter " LoanCare '' ). XXXX XXXX informed us that no further payments would be taken on the loan, but that any previous or future payments would be forwarded to LoanCare to be applied to the Loan. 

On XX/XX/XXXX, XXXXXXXX XXXXXXXX took my {$4600.00} mortgage payment from my account any via autopay. On XX/XX/XXXX, XXXXXXXX XXXX  wired the funds to LoanCare via interbank transfer. XXXX provided us ( the borrowers ) with the wire number, date, and amount, which we have provided to LoanCare. 

It is XX/XX/XXXX, and LoanCare has refused to apply this payment to our loan. We have otherwise kept up with our monthly payments. I have attempted to resolve the issue and provide the wire information via six letters, eighteen emails, and nine phone calls. LoanCare representatives still claim that they can not find the funds or the wire. 

My first concern is that this {$4600.00} payment needs to be applied to our loan. 

My second concern is that, had I not pursued this issue, LoanCare would have just pocketed the {$4600.00} and not credited a loan for it. Under basic accounting principles, every debit from one account should correspond to a credit to another account. I'm curious as to what a forensic accountant would uncover by looking closer at LoanCare 's records, or if I'm the only person whose mortgage payment LoanCare just kept but didn't credit a loan with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent everything certified mail as well. 

Experian is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : 1. Deformation of Character. 
2. Neglect meant enablement of identity fraud. 
3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of my most recent complaint about unfair credit reporting, both XXXX and Equifax have since dropped authorized credit lines with XXXX XXXX, XXXX XXXX and XXXX XXXX all compromising of XXXX in total credit limits, thus dropping my score further. My original complaint was specific in requesting no adverse actions be taken against me as a result of my complaint to the CFPB. However, I have been further impacted as a result of this complaint. If FCRA is protecting us from unfair credit reporting with creditors. Who is protecting us from the bureaus? 

On XX/XX/XXXX, following this complaint, I attempted to login to my equifax account to find that it no longer existed. It had been deleted. I had to re-enroll and to reinstate my subscription. Upon doing so, I came to find my tradelines were deleted. 

Additionally, they updated unpaid collections balances on XX/XX/21 causing further impact to my score. I will file this complaint with every governing agency up to and including the Supreme Court until they stop impacting me as a result of these complaints. 

Any blocks they have placed on these and and existing reporting creditors are to be removed immediately. 

I want all three accounts reinstated as actively reporting with the tradeline, credit limit, balance, high balance and payment history all fully reported and accurately.
Product: Debt collection

To Whom it may concern : XXXX XXXX from Weinmamn Acquisition Group called me today XXXX XXXX. He stated that I owed a debt that I told him repeatedly, That i had not taken out. At the time i allegedly took out that debt I was XXXX years old living with my mother. I never took out any debt or credit until i was at least XXXX. Despite the fact that I adamantly denied being responsible for this debt I felt pressured to sign the repayment agreement that he sent me because of his threats and coercion. I was told that if i did not sign it a sheriff would show up at my house and i would get judgment put on my name. I was told that i would have a judgment placed on my credit if i did n't sign regardless if it was my debt or not. He continued to threaten me. And even told me that he talked to the attorney to see if they would settle the debt for XXXX, even though i said i did n't remember opening this and I 'm only doing this because i want my house and i do n't want a judgment place on my name. Thinking i was going to get sue and have a judgment place on my name and threats of having attorney sent down and it would cost me close to XXXX. He even said though this is not my debt, its my best option to settle for XXXX. 

After speaking to several people in the financial industry who told me about the debt collection process and my rights in this area i was told to file a complaint with this bureau. I signed that repayment agreement under duress. I contacted the company that i had the alleged bad debt with and they confirmed that I did not owe them anything. I felt that i was lied to, threatened and manipulated. I want the agreement that i signed revoked because i only signed it based on untrue threats and manipulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$24000.00} XXXX XXXX $
Product: Debt collection

In XXXX of XXXX my XXXX XXXX XXXX was repoed by Ally Financial for delinquent payments. During this period I never recieved any paperwork or breakdown of what they had resold this vehicle for. XX/XX/XXXX I recieved a call from XXXX XXXX about the debt that I had with Ally Financial. XXXX XXXX and myself had settled on a contract of XXXX dollars and monthly payments of XXXX dollars every eleventh of the month until I recieved my taxes to pay of the remaining settlement. XX/XX/XXXX I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that Ally Financial had placed a hold on my payments because bthey were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. 

In XXXX, XXXX I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/XXXX and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted Ally Financial and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a XXXX and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a flight through XXXX XXXX. I used a XXXX account and the Citizen 's bank Debit card attached to it. The price was XXXX XXXX dollars. 

The amount was quickly withdrawn from my Citizen 's bank checking account. Simultaneously, a hold for an additional XXXX dollars was placed on my account, for a total of XXXX for my purchase for half that amount. 

I have called citizens, paypal, and the airline. Three times each. Each blamed the other in turn. I was told this is normal practice, and the hold will resolve on XXXX. In the meantime, my checking account is missing XXXX dollars that I can not access to pay my bills or make any purchases. 

I find it completely unacceptable that a company can withhold my money for double the amount. None of them can tell me even which is responsible for it. I was told if I dispute the hold I may lose my flights. So I have no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago I checked my scores on XXXX, only to find that my TransUnion score dropped an amazing XXXX points in the 2-weeks since I last checked it. What Changed? A derogatory report dropped off my account and a car payment was processed. So 2 positive things happened to my account and I lose points?! This " game '' doesn't seem to have consistent rules. 

I contacted TransUnion via their site the day I found this information, but have yet to hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does no belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please advise that this is a continuation of CFPB complaint number XXXX. I previously contacted Comenity/Victoria 's secret advising that I dispute the account listed on my credit report under FCRA 623 XXXX a ) ( XXXX ) ( D ). At this point my issue has still not been resolved and this company has left me no choice but to file a lawsuit in the state of Georgia due to their unwillingness to delete the inaccurate account that they have included in my credit report, which has damaged my credit rating and caused emotional distress. 

This company previously responded stated that they will not delete this account because they're required by law " to report factual information ''. They stated that they will update the account to discharged in chapter XXXX bankruptcy instead of as a charged off account. First of all, I have never had a bankruptcy. Secondly, this account was updated on my XXXX credit report on XX/XX/21 as a charged off account in the amount of {$71.00}, which is completely opposite of how this account was " allegedly '' supposed to be reported. According to Comenity Bank/Victoria 's Secret, they are required " to report factual information ''. However, none of the information they have reported is factual. 

This is my final request to have this account removed from my credit report. If I get another pointless response saying this account has been " verified '', this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit files, namely XXXX, XXXX, and XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing XXXX XXXX XXXX  with charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. This account also pass the statute of limitation and should no balance.
Product: Debt collection

The collection agency told me if I paid XXXX this would resolve my XXXX  account as paid in full. I paid the money they removed it for a year now it's back with another company with demands.
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 XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

In XXXX of 2012, they financed my car XXXX XXXX XXXX XXXX. I was recently told the company no longer exist. I paid the car off in a year or less. I was unaware I was supposed to mail in the lien release since they were the ones who notified DMV I assumed they would do the same to release the lease. I also can not remember that far back if one was mailed to me. 
I recently requested a new title and was surprised the lien was still on it. I have tried contacting the company, but have discovered they no longer exist. I tried FDIC who directed me to XXXX  of State who directed me to a company XXXX  XXXX XXXX. XXXX  XXXX was not able to help me, and they said they have no such access to XXXX XXXX or loans outstanding or paid off. I then contact DMV Title Service who directed me to XXXX XXXX  to look up XXXX and was finally directed to you. 
Any help you can give me would be greatly appreciated.
Product: Student loan

I am filing this complaint because I believe my private student loan information has been accessed illegally, violating my rights under FERPA and other consumer protection laws. Recent reports indicate that XXXX XXXX and his team have gained unauthorized access to the Department of Education 's systems, which store sensitive borrower data, including Social Security numbers, loan details, and financial records. This unauthorized access raises serious concerns about privacy, security, and the integrity of my student loan account, and I have lost confidence in my loan servicer and the Department of Education to protect my personal information. If my data has been compromised, this is a breach of trust and legal protections, and I should not be held responsible for loans that may have been mishandled, accessed, or altered without my consent. XXXX XXXX XXXXXXXX Due to this breach, I am formally requesting that my student loans be dismissed. If third parties, including XXXX and his team, have had access to my financial records without my permission, my loan balance, repayment terms, and account status could have been tampered with or misused in ways beyond my control. As a borrower, I should not be expected to repay loans when the security of my data has been compromised at the highest levels of government oversight. Furthermore, I demand a full investigation into whether my personal data was accessed, how it has been used, and whether any changes or unauthorized activity have occurred within my loan account. The CFPB must hold all responsible parties accountable and ensure that borrowers like myself are not forced to suffer financial consequences due to a system-wide failure to protect our private information. Until this matter is resolved and full transparency is provided, I will not accept any obligation to repay loans that may have been subject to unauthorized access, data breaches, or mishandling by government agencies or third parties.
Product: Money transfers

I purchased a service using PayPal for {$290.00}. The seller instructed me to send the payment through the Friends and Family gift method to avoid paying transaction fees. The seller then disappeared and never completed the service. I noticed his PayPal account is unverified and also uses a fake name " XXXX ''. I opened up a claim with PayPal, and they said that they can not do anything about the dispute if its the Friends and Family gift transaction. They said I can try to chargeback through my bank. However, some of the funds for the transaction were paid for using my PayPal Balance. They said that money can not be refunded. PayPal closed my claim in favor of the scammer and now I can not reopen or escalate the claim. I have proof of the seller ignoring me after payment was sent.