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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

XXXX XXXX Case Fraud number : XXXX Bank of America Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. A wire recall was supposedly requested by Bank of America as requested by XXXX XXXX over 6 weeks ago. I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. Bank of America won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and Bank of America aren't responding. Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXX # #, XXXX XXXXXXXX XXXX XXXX Enhanced XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Discharged XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Credit card

I'm deeply troubled by the addition of this late payment to my account, given my consistent history of punctual payments. This issue is causing me significant distress, and I urge you to promptly rectify it by removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX doubled the balance of my loans on my Transunion CRA. A lot of the loans are duplicated. Please fix this as it is showing an inaccurate statement of debt.
Product: Credit reporting or other personal consumer reports

Equifax Failing to Conduct Proper Investigations and Verifications Complaint I am filing this complaint because my information was expose in the data breach Equifax has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Equifax continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Equifax failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically Equifax has failed to notify me of the methods used to verify the disputed accounts. Equifax has not provided any proof from the furnishers of the disputed information to confirm its accuracy. My disputes have been dismissed without proper reinvestigation, as required by law. I request that the Consumer Financial Protection Bureau intervene to ensure that Equifax adheres to its legal obligations under the FCRA. I demand the following actions : A proper investigation of all disputed accounts. Written documentation of the verification methods used. Immediate deletion of any unverifiable or inaccurate information. Equifax neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress. Thank you for your attention to this matter.
Product: Debt collection

On XXXX 2019 a debt collection was placed with both XXXX  & XXXX  for {$3000.00} from Midwest Recovery System, LLC. I contacted them and informed them this is NOT my debt. They refuse to remove it. I filed a complaint with both credit agencies and sent a letter to Midwest to provide me with documentation on this so called debt. To date nothing has been received. 

I have never received any calls or letters about this debt. It just showed up on my credit report at the end of XXXX 2019 out of the blue Negatively affecting my credit score. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

XXXX keep using unethically my credit card details without my aproval to charge me on XXXX for a service I do n't want and I did n't request
Product: Debt collection

A XXXX XXXX XXXX was totaled in a car accident on XX/XX/XXXX ; a claim was filed with my nationwide insurance, as the XXXX XXXX XXXX had full coverage. A check was issued to XXXX from XXXX on XX/XX/XXXX in the amount of {$5900.00} to pay the loan in full. 

Since my XXXX XXXX XXXX was totaled I have since bought another truck from XXXX in XXXX a XXXX XXXX XXXX Vin # XXXX and no issue has ever been brought to my attention about an outstanding balance on a previous loan with them. I am requesting an investigation be conducted ; I am attaching proof of payment from XXXX to XXXX. 

I have never received a previous notice from the original creditor Autosmart telling me I had an outstanding balance and now Deatrick and Spies, P.S.C is trying to garnish 25 % of each check I receive.
Product: Money transfer, virtual currency, or money service

I purchased a pair of shoes on line and paid via PayPal. I tried contacting the vendor per their suggestion. Apparently because the vendor 's name is an individual 's, Paypal does not offer any protection. 
The vendor 's name is XXXX XXXX. I paid him {$62.00} I tried to contact him to this email address to no avail. There is no reply and no product has been delivered. 
Paypal also does not have an email address for this individual. The message I got from Paypal is : " you are unable to send this user a message '' How does PayPal allow this type of vendors is beyond me. ( see attachment ) Thank you for your help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX criminal trespassing XXXX  XXXX XXXX XXXX attacking Homeowners Homeownership At XXXX XXXX XXXX. XXXX, Louisiana XXXX XXXX office of Public Affidavits And XXXX XXXX XXXX And Boarder protection Fraud Alerts Serving Federal Civil Rights Notice Lawsuit to XXXX XXXX, XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX . Louisiana XXXX eviction notice verification of Family Administrators funding XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX impacted XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Company 's Response We have confirmed that we are not responsible for the actions of XXXX XXXX XXXX XXXX and the XXXX XXXX Soft Mortgage program, therefore we can not respond to the issue regarding the advertising of XXXX XXXX in order to profit from the home ownership program. Chase was not involved in the application, processing, underwriting, or closing of your loan. The original lender was XXXX XXXX XXXX XXXX and the loan originated on XX/XX/XXXX. On XX/XX/XXXX, we acquired the servicing of your loan in good faith, and we relied on the loan documents as proof that you understood and agreed to the terms presented. Also, we never serviced the loan for the address of XXXX XXXX XXXX, XXXX, LA XXXX, so we can not respond to the allegations of illegally being evicted. Weve enclosed the following documents : Note Mortgage Good Faith Estimate Loan application HUD-1 Settlement Statement Truth-in-Lending Disclosure The servicing of your loan transferred to XXXX , IXXXX, on XX/XX/XXXX. Weve enclosed a reprinted version of the letter we sent to you on XX/XX/XXXX, to explain this. Your new servicer will answer any questions you have about the current status of the loan. You can contact the servicer at : Mail : XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Weve carefully reviewed the history of your loan and we have confirmed that we were consistent with our lending guidelines. We didnt find any instances of unfair tactics or attempts to deceive you regarding your loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XXXX of 2021 that I did not file and they are up to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) gave false information about the federal bankruptcy court in their response to a previous complaint. In their response they state, that the federal bankruptcy court is the " furnisher '' of the bankruptcy information. The federal bankruptcy website, the court states that " The US Bankruptcy court does not report to, nor verify information reported to, any credit reporting agency. Therefore, the court is not a " furnisher '', or provider '' of information as defined by the fair credit reporting act. As such, the court plays no role in the correction of inaccurate information contained in credit reports. On the consumer financial protection bureau website, it states in 'furnishers obligations for consumer credit information under the CARES act, FCRA , and ECOA ', that regulation V defines a furnisher as " an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. Due to the fact that the courts do not furnish information, the information XXXX has obtained does NOT meet the FCRA requirements. Transunion states that XXXX is the " 3rd party '' company that verifies the bankruptcy.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

my information was exposed in the XXXX data breach, its has gotten in the wrong person hand..
Product: Credit reporting, credit repair services, or other personal consumer reports

acct with bank of america na is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.
Product: Mortgage

Had a number of events that led to getting behind on our mortgage. We have been trying to get a loan modification for over a year now and our mortgage company keeps denying us saying our income to debt ratio wo n't allow them to help. I have contacted hud and XXXX other organizations that say our income now is more than sufficient to make payments to get caught up. Our mortgage company US Bank will not return phone calls or give the organization trying to help us any information on trying to resolve this matter. The other reason we were denied is because I 'm presently employed which makes no sense to me. Me and my wife are willing to do whatever we can to resolve this issue we just need a chance to get back on track
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am contacting your company about the credit company Transunion because they are reporting things on my credit report that are fraudulent and I want them removed at once because they do not belong to me and are fraudulent. The first fraudulent item is an address which I never lived at and is fraudulent XXXX XXXX XXXX XXXX XXXX ny XXXX this is fraud and does not belong to me please remove at once from my credit report also there is a credit inquiry from CFNA Inquiry : XX/XX/2018 this inquiry is also fraudulent and doesn't belong to me please remove it off my credit report and raise my score where it should be.
Product: Credit reporting or other personal consumer reports

I disagree with the inquires listed in my consumer report which still appears on my credit report, even after your Investigation. I would like these inquiries immediately re-investigated. The inaccuracies are highly injurious to my credit score ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, The report is even addressing me as XXXX XXXX which is not my name. I have attached a copy of my current state identification along with proof of residence and FTC report. And the results from this initial investigation. 


please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I wrote to Transunion expressing my concerns about multiple discrepancies on my credit profile which has indeed caused me a great deal of suffering. I ask Transunion to investigate the matter and they said they needed my information, which I sent them via certified mail XXXX XXXXXXXX and XXXX, they sent me a response by stating that it was not legible, so I sent them another saying I would like the various accounts investigated of which I had itemized and gave very clear specific instructions, but they keep sending me the same automated response. I have been back and fourth with them for for about 6 months now, which are now grounds to sue them. This is my last attempt on rectifying with Transunion. They have given out my information without my consent and having wrong information on my account, which I need to be rectified. I am sure the SEC would be interested in finding out about Transunion 's Trading of securities on the stock market and selling my information to companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have any contracts with this company. The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I have also sent letters to Equifax over 30 days ago and have not received a reply or response. 
I have spoke to an agent and I was told that these items would be removed from my consumer report immediately and they still remain on my consumer report. This company has violated my right to privacy and multiple other violations. 

I am protected by the ( FCRA ) Fair Credit Reporting Act ( Right to Privacy as a consumer ) 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave this company any written consent to report or furnish anything to my consumer report. 

15 USC 1692- I am the consumer and the original creditor I am not obligated to pay any debt, I do not owe any debt 15 USC 1681 ( a ) ( e ) - States that you have to interview my family, my neighbors, or any of my associates to verify any account on my consumer report which this company did not do 15 USC 1681e ( b ) - You shall follow reasonable procedures to assure maximum possible accuracy of the information on my report. 

They have not complied which is another violation of 15 USC 1681n ( a ) ( 1 ) ( a ) which makes them liable in the sum of up to {$1000.00} for each damage you are causing in my life pertaining to my consumer report Any person or company gaining or gathering information from a consumer pertains their consumer report is doing fraudulent business and can get prison time and anyone involve with another company other than the consumer Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.
Product: Debt collection

Some time ago I lost XXXX speeding ticket trials and was forced to pay the fines. Due to unemployment issues I was unable to pay the fines. The fines were sent to GC Services where they got my driver 's license suspended. I sent a cease and desist certified letter to GC Services while I determined what was going on. I found out the GC Services is extorting money from me illegally so that I can get my license back. Since I do n't have the money nor will I for quite some time, I am sure this act of extortion is illegal. This action also places a huge burden on my employment situation since I ca n't drive to get to work. Without a job, how can I pay them anyway? For the record, I fought XXXX tickets in court and from my point of view I won. But was found guilty. I fought XXXX tickets in appeal and from my point of view again, I won. I lost XXXX appeals. I have already filed complaints with every state and federal agency asking for an investigation and so for I ca n't get any help. I am hoping that the CFPB can help. 
I define extortion as an act of forcing someone to pay for something they ca n't. GC Services suspended my license forcing me to pay or I will never be able to drive again. Since I do n't have the money and I ca n't get a job without paying, they are extorting money from me ... illegally.