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

This is XXXX direct CFPB Report against Transunion for Inaccurate Reporting, the information that is being reported is a result of identity theft. Please refer to earlier complaints against Transunion. 

XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Transunion not only failed to remove/permanently block the inaccurate information from my credit report, but provided responses to CFPB earlier complaints that the inaccurate information is removed or not showing on the credit report. Please refer to the latest copy of the credit report from Transunion attached to this compliant, the inaccurate information is still being reported by Transunion. Apart from XXXX requests through CFPB, several requests by certified mail and phone calls were also made to Transunion, but still Transunion continue to violate FCRA Laws by reporting inaccurate information. 

I am reattaching the following documents XXXX. Police Report XXXX. FTC Report XXXX. Latest Transunion Credit Report - showing inaccurate information XXXX. Copy of my Drivers License XXXX. Copy of my Utility Bill This is the last request to Transunion to remove/permanently block the inaccurate information from my credit report and provide me with a copy of my credit report. Orelse I will forced to proceed with legal lawsuit against Transunion and also file complaints with other State and Federal Authorities. Hope this would not be necessary.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   (  XXXX  of    XXXX   XXXX  , Co. ) was was contracted by hospitals for medical bills I could not afford to pay when I became  XXXX  in  XXXX . The court awarded them {$2000.00} to get from me in  XXXX . Meanwhile I went to work for  XXXX   (  who hires the  XXXX  ) in order to try to pay some of my medical bills and    XXXX   XXXX   gar nished my wages an amount of {$1300.00} in  XXXX . Until labor laws made it unlawful to garnish wages when a person only makes minimum wage. They never sent a bill for the remaining amount until this year they ran it back through the court and never claimed they had already collected the money they had garnished and only claimed the original amount awarded was still unpaid. Now they are trying to collect the full amount awarded by the court of {$2000.00} all over again. I have documents to prove all of this.   Thank you  XXXX   XXXX
Product: Mortgage

XXXX XXXX have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to Owen Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per XXXX, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).
Product: Debt collection

On XXXX XXXX/2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXXXXXX claims that i am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX  XXXX, if this matter is not resolved immediately by deleting this unverified debt from my credit file.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft over the years after my Wallet with all my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo Auto is reporting a late payment of XXXX in the month of XX/XX/2023. 

This is adversely impacting my credit score and should be removed as I have never been late on any of my 3 Wells Fargo accounts.
Product: Checking or savings account

I was notified by XXXX that they could not debit my account on Friday, XX/XX/2022. I knew I had enough funds in my account to cover the payment. I called PNC and spoke with a lady named XXXX. She said my account was under investigation because of a wire transfer which posted to my account in XX/XX/2022. I told XXXX that I was working with the FBI on the transaction. I also told her I had paperwork to support the transaction. The sender got upset with me when there was a delay in the purchase of XXXX for the sender. I went on to explain to XXXX that I had to notify the FBI when I received a call from a gentleman named XXXX XXXX in FL who stated the funds were supposed to be sent to him and take a 10 % commission. I told him that I had an agreement with the FBI and that I had to notify the FBI XXXX XXXX XXXX because he was asking me to commit money laundering. I notified the FBI and made them aware of the issue. I tried to explain this to XXXX. She began to assert that I was lying. I gave her the XXXX XXXXXXXX XXXX name and email address. I did use inappropriate language in my call with her and demanded that my accounts be closed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I disputed the account listed on my credit report as ONE MAIN. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought Springleaf Financial. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and  closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My XXXX and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.
Product: Credit card

XX/XX/year> XXXX XXXX EST- I used XXXX ( XXXX XXXX MA ) service to send cash to my account with Cred ai -partners with XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXX EST- XXXX XXXX messages XXXX confirmed funds were delivered to the receiving institution XXXX XX/XX/year> XXXX  XXXX Inquired with XXXX about money not yet received and was instructed it could take up to XXXX business days XX/XX/year> XXXX EST- Inquired with Cred ai emergency support about money not yet received and was instructed it could take up to XXXX business days XX/XX/year> XXXX EST- Inquired with Cred ai emergency support about money not yet received after XXXX business days, requested an escalation, and was told to wait for escalation XX/XX/year> XXXX EST- Phoned XXXX but was instructed to work with Cred ai XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX Cred ai escalation emails with requests for the XXXX XXXX XXXX XXXX, to which I said I do not know what that means. Later, I phoned XXXX, and the agents denied me the XXXX trace code. Relayed the XXXX investigation email to escalation. Cred ai escalation states they can not help. I called the emergency line back, and another agent said the escalation was closed without my knowing. The agent said a new ticket needs to be opened with the higher dispute team that executes the investigation when I asked why it was not automatically done by escalation. The agent provided the dispute, which will take up to 90 days to get an answer. I stated it was missing money, not fraud, and the agent agreed. Phoned XXXX and XXXX suggested a XXXX call, and I agreed. XXXX representative phoned XXXX XXXX and listened in on all calls with the next XXXX Cred ai agents from the emergency line to the dispute team, where I received changing responses, the same questions already responded to in documentation, hangups, vague responses, denial of transfer to management, and requesting of information that the agents should have as part of their expertise. XXXX rep. connected me with her manager to help. XXXX and Cred ai know my money 's still missing, and I need immediate access to funds for required work travel on Monday morning. 
XX/XX/year> XXXX EST- I phoned XXXX about my missing money, and the agent automatically placed it on investigation and told me to wait up to 25 days. A supervisor placed an expediting request for the investigation. XXXX investigation responds with an email stating the denial of a refund, stating the money was received by the receiving end. XXXX is aware my money is still missing, and I need immediate access to funds for required work travels on Monday morning.
Product: Credit card or prepaid card

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}XXXX XXXX XXXX Balance : {$3200.00}XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I XXXX XXXX, Never gave ( EQUIFAX EXPERIAN, OR TRANSUNION ) any VEBAL or written consent to report anything on my consumer report. NO consent is identity theft A COPY of the law is attached with this dispute. I HAVE not given you permission to access my credit report and you have no permissible PURPOSE by law to contact third parties with my private or personal information your offenses amount to aggravated theft pursuant to 18 U.S.C. ( a ) You have knowingly transferred possessed or used without lawful authority a means of identification of me which is a felony punishable with up to 2 years of imprisonment in addition civil liability the FOLLOWING accounts are a direct reflection of this FRAUD XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. The follwinf INQUIRIES AREN'T MINE XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX THE ONLY NAME & ADDRESS THAT SHOULD REFLECT ON MY REPORTS IS XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2021. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion is putting a derogatory decrease credit scores because I have been filing Federal Government complaints with Consumer Finance Burau and ADA Department of Justice. 
XXXX, had my score at XXXX on XXXX XXXX and now it has been lowered to XXXX. 
I apply for a VA home loan with three lenders on XXXX, XXXX XXXX and my scores shouldn't have been decreased. 

Also I have XXXX balances as of XXXX XXXX on my credit cards XXXX, XXXX XXXX XXXX Credit Card # XXXX, XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXXXXXX XXXX XXXX  XXXX balance {$200.00} My credit score with XXXX should not be decrease because of Charge Off accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Auto XXXX XXXX 

XXXX is violations of Federal and State Laws and violations of my ADA XXXX  Act under Department of Justice. 
I am XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Bank of America on XX/XX/2023 and on XX/XX/2023 have not heard any thing back from them. the issue is that they are reporting an account that their employees opened fraudulently with out my consent.nor knowledge. I would like to resolve this issue I am having with bank of america
Product: Consumer Loan

I bought a vehicle and the Santander Consumer usa is the leasing bank. I had several financial isssues and the vehicle was repoed, i paid XXXX in debt. But the day the vehicle was repoed they cause several damages to the door bumpers and the permanent damaged the battery. Till this day nothing has been done they aledge never recieved the papers but they did. I sent all papers numerous times and my vehicle continue to be damaged.also now the vehicle is facing reposation and nobody has helped me. I want to file a small claims suit but due to my budget i cant. Please help me im a veteran witha family that counts on me to get things done. Please help
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Currently I am paying on a Barclaycard Mastercard that was closed by Barclaycard even though I made my monthly payments. I called and told Barclaycard that I would be late on monthly payments because COVID 19 cut my work hours. I still made the miminum payments they were just a day late I believe in XXXX and XXXX. I told Barclaycard over the phone my payments would be late and since I made my payments every month could the late fees be exused because I paid my monthly minimum payments on time as always. However Barclaycard raised my minimum payments and is reporting my account delinquent to three credit reporting agencies XXXX, XXXX, and XXXX. I want Barclaycard to stop reporting this closed account as delinquent to the three major credit reporting agencies. I have a stellar credit reporting history this delinquent account will tarnish my credit reports and payment credit history. I will still pay the minimum monthly payments that I was paying before Barclaycard recklessly raised the minimum payments starting in XXXX.
Product: Credit reporting

For several years I have not been able to get a FREE credit report from XXXX and Transunion. Every time I ask I get a different reason for not allowing me to see my credit report that they have on me. One of the reasons is that Transunion has false information that they will not divulge nor allow me to challange.
Product: Vehicle loan or lease

I extended my 24 month lease with Nissan. I had called them to extend the lease in XXXX as the due date was approaching. We agreed on a 3 month extension. Late XXXX comes I get a new car- I tried to have the dealership where I purchased my new car return the Nissan, they weren't able to and the car could not be returned to a Nissan dealership without an inspection. I called XXXX, the inspection company in early XXXX to make an appointment to return the Nissan, they said they couldn't come inspect it until XX/XX/XXXX which was past the XX/XX/XXXX due date with Nissan. Once I found this out, I called Nissan to advise them it couldn't be inspected until after the cars anticipated due date. They said no problem they would make NOTE of it in their system and there wouldnt be any issues. Now we're in XXXX and they send me a bill, which I expected for not getting another Nissan, a disposition fee. Nissan has decided to bill me for an additional 4TH payment bc the car was returned after the due date which is exactly why I had originally called to communicate to them. I promptly called Nissan customer service to clear up the additional one months payment they were charging me. When I finally spoke to someone at NMAC they told me, well too bad you should have made the inspection appointment sooner. I gave them ample time to schedule an inspection and actually got stuck with this car for 3 weeks longer than I had anticipated bc I was awaiting the inspection. I had responsibly communicated with all parties so I would not run into any issues.