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

A natural person and a consumer. I am aware of the rights I have, which are secured by the Fair Credit Reporting Act ( FCRA ) of the United States of America. According to 15 USC 1681, the information on the list below has infringed my right as a consumer to secrecy and privacy. 

I reviewed my original credit report, which I bought from your company, and found multiple fraudulent inquiries and pieces of personal information. 

INQUIRIES TO REMOVE- XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XX/XX/2022 ADDRESSES TO REMOVE- XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX NAMES TO REMOVE XXXX. XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a vehicle in XX/XX/XXXX and financed it with TD Auto Finance ( division of TD Bank, NA ). In XX/XX/XXXX I refinanced the vehicle with my bank after multiple issues dealing with TD Auto Finance. They have not released the title to my bank, and my vehicle state registration is now 2 months expired. The state will not renew my registration until the title is filed properly. We did not know about this issue until XX/XX/XXXX when we tried to renew the registration. We have called TD Auto multiple times, filed complaints with the XXXX, called the DMV and called our bank multiple times. We are at risk of getting a citation every time we need to drive this vehicle, and have made payments every month. From what I can find online, legally they have 30 days to release the title, and it's been 8 months. 

TD Auto Finance XXXX ( Former lienholder, still holding title ) TDECU  XXXX ( current lienholder as of XX/XX/XXXX )
Product: Debt collection

The amount of the debt is wrong. I went to school for one year. They say I owe {$58000.00}. This is wrong!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My medical information was sold to a creditor in accordance with The Fair credit reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 604a section 2 it is also States a consumer reporting agency can not furnish accounts without my written instructions 15 USC 1681 section 602a States I have the right to privacy XXXX XXXX also violated the HIPAA law
Product: Debt collection

When this happened I had medcaid, but the hospital billed me instead of the state..
Product: Checking or savings account

I have attempted to open a checking account in person and over the phone with Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my applications have been denied. Each time I reach out for clarification or assistance, I am either redirected to nonexistent phone numbers, transferred to automated messages, or provided no clear explanation. This has left me without answers as to why my applications are being refused. 

I feel that I am being unfairly treated, possibly even discriminated against, as I am unaware of any valid reason for these denials. I am seeking assistance to understand the issue and to have it resolved fairly
Product: Checking or savings account

People I dont know sending money from Zelle  I want my Zelle back please
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint to XXXX XXXX they provide a response stating that because the applications were fraudulently submitted that they would contact the credit bureau to have the inquiries removed. XXXX/XXXX XXXX date of inquiry is XX/XX/XXXX, XXXX date of inquiry is XX/XX/XXXX and XXXX date of inquiry XX/XX/XXXX are the three inquiries in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH EXPERIAN AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND THE BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Mortgage

Hello, I am reaching out for assistance with my new mortgage servicing company not releasing insurance money they received for a fire claim for my home. I have submitted all documents they've requested since XX/XX/2024 and they continue to refuse to send the money with no reason. This was money they received from my insurance policy at the time of servicing transfer from XXXX XXXXXXXX XXXX to ShellPoint Mortgage. The fire occurred on XX/XX/2024 and I can not rebuild due to their handling of my claim and requests continually being ignored. This is devastating and causing extreme financial hardship. Please help. 

Thank you, XXXX
Product: Debt collection

the nationawide collection inc represent XXXX XXXX the XXXX XXXX told me that they take legal action through the collection agency, they are helped a powerfull person who has money and power from XXXX XXXX XXXX people 4 men 6 women they know everything about this the collection agency threat me to take to the court within one week
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THIS COMPNAY WEEKLY ABOUT FALSE INFORMATION BEING ON MY CREDIT REPORT AND THEY HAVE DONE NOTHING!!! EVERY TIME I CALL THEM THEY CLAIM THEY HAVE PUT THINGS IN DISPUTE BUT THE WHEN I CALL BACK DAYS LATER I AM TOLD THAT THEY PREVIOUS REP LIED AND THINGS HAVE NOT BEEN PUT IN DISPUTE. I CONTACTED ALL OF THE COMPANIES LISTED UNDER MY INQUIRIES AND WAS TOLD THAT THEY HAVE NEVER RECEIVED ANY INFORMATION FROM TRANSUNION. I WAS ALSO TOLD THAT BECAUSE THEY WERE FRAUD ACCOUNTS THAT TRANSUNION SHOULD HAVE DELETED THEM IMMEDIATELY! THIS COMPANY HAS DONE NOTHING!! THEY HAVE A XXXX XXXX ACCOUNT ON M CREDIT REPORT THAT I WAS LISTED AS AN AUTHORIZED USER ON ... .THAT ACCOUNT HAS BEEN TERMINATED AND THEY STILL HAVE IT LISTED ON MY CREDT REPORT!!! I CONTACTED XXXX  XXXX AND THEY ASKED ME WHY WAS IT EVEN ON MY TRANSUNION REPORT!! I DISPUTED IT AND CONTACTED XXXX  XXXX AGAIN!!!! AND THEY INFORMED ME THAT THEY HAVE NOT HEARD FROM TRANSUNION!! SO THIS IS LISTED AS A NEGATIVE ON MY CREDIT REPORT AND IT SHOULD NOT EVEN BE ON MY CREDIT REPORT!!! THIS COMPANY HAS XXXX YEAR OLD STUDENT LOANS ON MY CREDIT REPORT AND I HAVE TRIED TO BE NICE AND WORK WITH THEM BUT THEY JUST GIVE DIFFERENT ANSWERS AND LIES!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Western Funding is reporting a balance of {$9200.00} on my credit account for a vehicle that they picked up due to mechanical issues to repair. The vehicle was never returned to me fixed and I moved to another state. They have the account listed as a charge off. Ive disputed and disputed several times and they fail to remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies XXXX, XXXX, Equifax Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof that the debt in question was paid in full and balance in {$0.00}. They are still refusing to remove false or paid debt from my credit report.
Product: Checking or savings account

I bank with Ally and have various accounts with them. Two weeks ago they froze all of my external accounts making it impossible to do transfers. After speaking with them for a couple of days they reinstated my ability. Then a few days later I am completely locked out of my account. I spent two days trying to contact customer service. I sat on the phone hours at a time without anyone answering. I finally got ahold of someone who helped me get into my account. Once in, I see all of my external accounts are deleted. I reinstate one of the accounts to prepare to transfer money out of Ally so I can close out my accounts. After realizing I can only transfer out {$150000.00} a day I emailed Ally telling them I want to cancel my accounts. I received an email back asking why and listing all the benefits of why I should stay with Ally and then asking for information they need if I really want to close my accounts. I responded, told them why I am leaving, and gave them the information they requested. A few short hours later I receive three emails saying my savings account is frozen, my external checking account is frozen and my ability to make transfers is frozen. They are making it impossible to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. Upon reviewing my credit report, I have noticed several unauthorized inquiries that I believe to be fraudulent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that these inquiries be removed from my credit report immediately. 

The unauthorized inquiries are as follows : XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I do not recall authorizing any of these inquiries and suspect that they may be fraudulent. I am concerned that these inquiries have negatively impacted my credit score and ability to secure loans and other financial services. 

I kindly request that you investigate these inquiries and remove them from my credit report. According to the FCRA, you are required to conduct a reasonable investigation into any dispute and respond within 30 days of receipt of the dispute. I request that you provide me with written confirmation of the removal of these items from my credit report. 

Thank you for your attention to this matter. 

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

According to the 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX  2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent breach my husband & I placed a freeze on our credit. No issues and easy to do. On XXXX XXXX, XXXX we decided we wanted to purchase a new car. The finance company we were applying with uses XXXX so that is the one we needed to place a lift with. XXXX has an option for temporary lifts. One is called a Selective lift and the other one is a Global. After reading the definition of each we chose the Selective lift, which allows only those creditors we give the access code to, to be able to view our credit file. Each lift is {$5.00} each time you place one. Now we give the motor finance company this access code only to be told they can not view our credit with that type of lift. We then have to go back into our TransUnion account on XXXX XXXX, XXXX and place the global lift. This too cost another {$5.00} each. They viewed our reports and all went well. On XXXX XXXX, XXXX I contacted TransUnion to see if they would credit back the {$5.00} for each myself and my husband for the Selective lift that does not work. After much frustration with the customer service representative I asked if I could please speak to a supervisor. He transferred me to his supervisor. However, that too was a waste of time. I explained the selective lift does not work. This is when I am told it only works with creditors who have the special software that can allow them to input the access code. I asked over and over again why is that information not included on the website where the definition of each type of lift is explained? I received no answer. I asked how would the consumer know about this when they are making the choice of which type of lift? I received no answer. I read her exactly what it says which is this " An access code is a code generated by the website when you create a selective lift. ANYONE with the provided access code can use that code to access your TransUnion CreditReport for the specified time period. '' I then told her since no where on the website does it mention anything about special software. I asked for the {$5.00} each credit to be told no.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mention in their Privacy Notice ; No Sale, No Sharing We do not sell personal information. We do not share personal information for cross-context behavioral advertising. We do not allow our vendors to sell this information or to share this information for cross-context behavioral advertising. 

However my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX, XXXX, XXXX, Experian, and XXXX. XXXX did not engage in this Transaction. This is Infringement to my Privacy. 

I recently disputed XXXX ( XXXX XXXXXXXX XXXX ), because laws were broken in regards to my privacy. They responded and stated that they Service the account on my behalf, which is A violation under FCRA. ( Please See Attachment With The Statement ) ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Also Under the FDCPA Violations were broken as well.

~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX an TransUnion credit report agency allowed someone to report me deceased illegally with proving identification an death certificate or report it to the social security agency an why my date of birth was illegally change contain credit in my name by other companies this company an agency or in violation of my civil rights cause me have credit problems lost wages in the data systems I want to know who use my name an reporting me deceased everything should be removed off my credit report should nobody have access to my personal information with out my consent my life been toking from me an reporting me deceased an I still have to suffer with bad credit XXXX or XXXX why someone using my credit in my name I requested a full disclosure report from XXXX an XXXX from TransUnion an XXXX see who was using my identity
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 XXXX 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 and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 card

Barclay Card stopped sending me bills ... therefore I am delinquent. Sent me to a collection agency. Then they closed my account and I 've been paying them all this time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud happened nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX  and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Transunion has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Transunion refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal. 

I demand that Transunion cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally notify you that I am a victim of a data breach, and I request the deletion and blocking of the accounts listed below on my XXXX credit report. As provided for in XXXX XXXX XXXX ( a ), I am entitled to request the blocking of any fraudulent accounts that result from such breaches. 
Please find the following details related to the breach : Full name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fl XXXX Date of birth : XX/XX/XXXX Social Security Number : XXXX Accounts affected by the breach : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR INQUIRIES : ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I ask that you block all fraudulent accounts that have been compromised or opened as a result of the breach, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681c-2 ( a ). I also request confirmation that these accounts have been deleted or blocked from my credit report.

Please send me written confirmation of the actions taken within the required timeframe. 
Thank you for your prompt attention to this matter. Should you require any additional information or documentation to process my request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Debt collection

As of XXXX XXXX I contacted both the company XXXX XXXXXXXX XXXX and Midland credit management I was trying to get information on the account that states i owe {$1000.00} to XXXXXXXX XXXX XXXX But they failed to disclose any information because they sold the account and the information with it as well as personal information to midland credit management. I contacted midland credit management and one of the representatives told me that a transaction was made with the card which i never owned and the transaction took place in XXXX, Fl on XX/XX/XXXX and many more transactions were made during that time as well. Midland credit management representative stated he could not send me a complete list of the transactions even though i requested that list, in my defense i stated i never owned a XXXX XXXX  credit card nor was aware that an account was opened in my name.