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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$750.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ), XXXX, XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1900.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$290.00} XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$61.00} XXXX XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

received on my credit from collection management co XXXX XXXX dont know or never received any services if they do have please supply a bill my signature and id showing i recieved any services. THIS IS DEFERMATION WILL BE SEEKING LEGAL HELP TO RESOLVE THIS CASE
Product: Money transfer, virtual currency, or money service

I signed a legal contract with a merchant to purchase goods and paid them through PayPal. I have a copy of the signed, legal contract with both my signature and the merchants. The merchant then stopped contacting me and is refusing to refund my deposit, which the contract states is refundable. The deposit was in the amount of {$500.00}. When I reached out to PayPal, they were unwilling to file a report to open a claim on this scam. I also contacted my bank, XXXX XXXX, who also refused to open a claim because it was a payment made from a bank transfer. XXXX illegally disclosed information to me about the merchant, such as their banking institution and account number. I did not do anything with this information, but I need someone to open a dispute about me losing {$500.00} even though I have a signed legal contract with the merchant. No one has been willing to open a dispute for me, claiming that the type of transfer is not insured even though it was through PayPal.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of the equifax data breach. I want these items deleted from my credit report effective immediately. I have attached proof that I am in fact a victim of the equifax data breach. Please help me delete these illegal items off my credit reports.
Product: Mortgage

Selene is in the process of a auction forclosure Sale date is XX/XX/XXXX. The judge ask me last time when I was in court do I wish for them to process the Forclosure. I dont understand why she asked this because I actually have a mortage statement from Selene that was issued on XX/XX/XXXX that says that they have completed the first Forclosure proceedingXX/XX/XXXX. Even though I never got notice that they had even started the process at first. I am not sure exactly when the exact date started of the forclosure but had my address but never sent me notice that they had started the process. I am trying to find out the initial day the forclosure proceeding started. I also see on XXXX that the house was sold XX/XX/XXXX for {$120000.00} so how is this possible if they are taking me to court now to do a forclosure. i dont know what is going on but can you see if you can get some answers to these questions.
Product: Student loan

Navinet has reported on my credit report to all three agencies XXXX, XXXX and XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was to be in forbearance at those times. I have disputed with the credit agencies several times and Navinet validates and says it is correct. I was told by Navinet that they report an account late every 30 days. They skipped the 30, 60 and went right to 90. I have since consolidated my loans and Navinet is no longer my provider. They told me I would have to dispute with them. Because the reports were 90 days I am unable to get a home loan and will be homeless soon. Due to the fact they were reported as 90 days it has completely ruined my credit. 
I need to move out of state where home prices are affordable. I am the caregiver if my mother who is XXXX. 
As I stated before I have been trying to fight this issue for some time. 
Navinet didnt even tell me about income driven repayment plans. They wanted me to go into forbearance to keep the high interest to accumulate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an amount on my credit report because the balance is XXXX but stated the account is still open. Experian deleted my entire XXXX XXXX  account. That is incorrect and will affect my credit score. The account is still open
Product: Credit reporting, credit repair services, or other personal consumer reports

The misinformation, inaccurate data and false accounts reporting on my Equifax consumer file is blatant neglect on this CRA 's part. Their lack of transparency with their investigation and willingness to furnish false information instead of maintaining maximum accuracy as outlined in the FCRA is ridiculous. 

Since XX/XX/2021, I have sent certified mail and documented my process concerning the inaccuracy of my consumer report. There is erroneous information reporting on my credit such as XXXX XXXX XXXX and XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, the lack of sufficient proof has been polarizing in terms of receiving no further documentation of their findings like I requested. Equifax has not been concerned in assuring the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

After reaching out to Equifax for months concerning these accounts and the companies helping them furnish fallacies I sent correspondence letting them know my next steps and have yet to receive a document of what I originally have been asking for concerning the questionable information on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX, I transfer XXXX USD from RIA XXXX to my bank account in XXXX XXXX some days after I did not received my transfer and RIA XXXX my RIA account and they did not refound the money, I have been calling RIA but always they say they do not have my money, then I do not know how can I get my money back.
Product: Credit reporting or other personal consumer reports

It is deeply frustrating that my credit report contains error and missing information. Despite my repeated requests for correction, this issue remain unaddressed, unfairly impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX & XXXX Account # XXXX XXXX Credit Bureau Account # 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

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Experian regarding inaccuracies and FCRA violations on my Experian credit report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Despite my numerous requests, they have not corrected those multiple problems nor, and most importantly, they have not posted a Notice of Dispute for each of these accounts on any of my credit reports since my initial dispute back in XX/XX/XXXX, which is required by law and must be done within 30 days of being notified. These actions are clear FCRA violations and make me entitled to {$1000.00} per violation. 

In follow up letters dated XX/XX/XXXX, XX/XX/XXXX and recently on XXXX XXXX, ( attached ), I again asked multiple times why they had not posted a Notice of Dispute to my credit report and have never received an answer, an addition or a correction. I have attached the four letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as evidence of my requests and have highlighted in yellow the accounts we are discussing. I have also included my XX/XX/XXXX and my most recent XX/XX/XXXX Experian credit reports so you can see that despite my certified letters requesting my dispute of these accounts over the last 12 months, they have not added a Notice of Dispute in the comment section of any of the accounts I have reference above. I have highlighted in yellow on both credit reports all these accounts and the absence of a Notice of Dispute in their respective comment / remark sections. 

As youre aware under the FCRA, credit agencies are required to place a Notice of Dispute within 30 days on any account when a credit reporting agency is notified of a dispute by the disputer. Failure to do that is a violation whereby the violating credit bureau is required to pay statutory damages of {$1000.00} for each violation. The way I, and a judge, will see this, Experian owes me {$3000.00} for not posting my Notice of Dispute on these three accounts for the last 12 months.
Product: Debt collection

Genesis FS Card Services are harassing me by repeatedly calling me every day and more than 7 times a day trying to collect a credit card debt. I have blocked them and from XXXX XXXX till XXXX XXXX I have screenshots of XXXX blocked calls from them. The phone number is XXXX. Now they have started calling me from phone number XXXX and emailing me. I cant take it anymore more, the account is closed, on my credit report as closed on XXXX XXXX. Please help me, I can provide screenshots of the call log.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I was lucky to catch it early and notify and freeze everything. However, the thieves were able to open account with the XXXX XXXX using my information. I have sent the law enforcement report to all three credit bureaus at least 5 times now ; however they keep ignoring this information. I have not gotten any response whatsoever. It has come to my attention that you have sought legal action against Experian for this. Please assist me. I know this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complement is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My loan : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hi, My name is XXXX XXXX, XXXX gave me a 5 % reduction to pay off my mortgage and they report to the creditors than I owe XXXX {$5000.00} back in 2014 XXXX. Loan # XXXX property address is XXXX XXXX XXXX XXXX, XXXX fl XXXX. <P/>XXXX report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the Recording with XXXX  county wrong. Which they are re-recording that 's what they told me and will take 2 to 3 months. Spoke XXXX refused to fix my credit with Experian. When I speak to them XXXX representative they tell me they did not reported as short sale. I am not getting my issue solved by my self.
Product: Credit reporting or other personal consumer reports

This account was charge off on the following date : XX/XX/year> since them the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This innacurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglet has violated my rights. I am demanding a deletion of the following account : XXXX : XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX 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 the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

LVNV Funding, LLC shows due amount. Accounts have been paid and should be deleted as of now.
Product: Debt collection

Paramount Recovery 's response to the Consumer Finance Bureau was that the accounts were now closed from their offices, and they requested that the trade line be removed. However, this is not the case, as they have updated the collection account on my credit file and are reporting the same information twice. They changed one letter in the account number but reported the exact information twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2012 I was made the POA for my elderly father. My father had credit cards with USAA and XXXX XXXX XXXX XXXX. I contacted them and provided them with copies of the POA documentation and asked that I be added to his accounts in the capacity of POA since he was no longer able to pay his bills and make decisions. I had complete signing and decision making for all of his affairs. In essence I was basically him. I was unaware that prior to coming to live with me my father had taken out a student loan in California that he defaulted on and they began to garnish his pension. As a result he was unable to continue to make payments on his credit cards because they were taking a considerable amount to repay the federal student loan. So USAA and XXXX XXXX decided to add me as a joint owner and on after me and my assets for repayment. I was never a joint owner I never signed to be a joint owner or gave my permission. The cards are now charged off and they have added these to my credit profile. I have tried to dispute through the credit bureaus and I am unable to get these removed. They are preventing me from purchasing a house and I have tried to resolve with no success. I need assistance in getting them to remove items that should have never been placed on my credit profile. Can you please assist me with this. I have included a copy of the POA. I also found the email from them acknowledging the POA and they also made us fill out their form and get it notarized
Product: Debt collection

Loan originated with Personify Financial. This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX - advised me that it was sold and they were collecting for the new account owner. Their phone number is XXXX. 

After XXXX contacted BOTH my brother and sister-in-law via phone, I immediately contacted them at XXXX XXXX on XX/XX/2022 and advised that I wanted contact to CEASE - I identified myself so they had established contact and no longer had reason to contact ANYONE ELSE. 

I advised I am on XXXX XXXX  and offered a settlement of {$1000.00}. They refused and even said " just say you refuse to pay '', trying to bait me into saying something that is untrue. 

At XXXX XXXX on XX/XX/2022 they called my mother 's phone number - XXXX - in yet ANOTHER skip-tracing effort. Ihave already established contact, advised C & D, and they STILL called a relative. 

I have enclosed a screen shot of my phone call on XXXX from MY number XXXX, that shows I spoke with them for 17 minutes trying to get something resolved. I was passed to a supposedly more experience person who was just more abusive than experienced - she was the one who kept saying " just say you refuse to pay ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached picture shows Transunion caught in fraud, I have one picture from XXXX XXXX that shows the correct amount, and one picture from Transunion that is malicious. Action
Product: Checking or savings account

I traveled to California to visit family the last week of XXXX. I was at my neighbor 's house for XXXX of XXXX and received an email saying that my account was low and that my transaction was sent. When I opened up my account to find out I had only {$13.00} in there. It showed that payments went through XXXX and one through XXXX. {$500.00}. {$600.00}. {$180.00}. {$500.00}. {$200.00}. And {$400.00}. Those were unauthorized transactions. 
I then called the fraud department and filed my report with them, she asked me about the XXXX {$200.00}. deposits that where put into my account from XXXX XXXX XXXX I was not working at that time so I had nothing to deposit. I did tell her that and that I didn't authorize any of those transactions and that I did not deposit any checks. 
She said my report was now filed and that my mobile banking was on hold and would only receive direct deposits and that I would hear from them within 7-10 business days.

I called them around the 7 day mark to get an update on my report and they said it was still under investigation. I did receive copies of those two deposits in the mail, but because they were fraud I did not deposit them. I took them into my local branch and they disposed of them. I did call the fraud department again on XX/XX/22 to let them know they sent me those checks and that it was not my money, he said that he would fix that and put it into the report. 
On XX/XX/22 I received letters in the mail stating that they denied my claims. I called them to find out why and she said that the report had no notes in it other then the two deposits. She asked if I told the whole story to the other person I had spoken to and I said yes, but they never added it into the report. She told me that because it went through XXXX, through the app that they said I authorized it. I told her that they were all unauthorized transactions and she said I can dispute the denial and try it again but it's going to be a very slim chance that I'll get anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I never had a XXXXXXXX XXXX XXXX. So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within XXXX business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX XXXX XXXX XXXX XXXX from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX XXXX XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.
Product: Money transfer, virtual currency, or money service

Unable to use account. XXXX. account not working, no solution provided from PayPal. Attempted to contact support over ten times.
Product: Debt collection

I received a bill after moving out of XXXX XXXX XXXX XXXX XXXX XXXX. I called them about the bill because I thought it was erroneous. I cleaned up very well, took pictures and video. But the bill was for cleaning and broken toliet seat that the complex maintenance man broken when he came over to remove them. They were also charging me for bills dated in XXXX when I moved out in XXXX. I asked them to send me a detailed break down of the bills and why I own them but that was never recieved. I then received a collection and derogatory report on my credit. 

The bill is for {$380.00} which I do not owe.
Product: Credit reporting or other personal consumer reports

It was XXXX loan from XXXX and they sold my information to another XXXX XXXX XXXX XXXX company with out my consent and now report XXXX XXXX XXXX report late payments and wrong information on my credit report when acct was in good standing and no late payment