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

1 ) Can not temporarily thaw/unfreeze my credit report via Transunion.com 2 ) Can not access my credit report via XXXX and/or TransUnion.com 3 ) Can not submit online disputes via TransUnion.com 4 ) Can not manage fraud alerts via TransUnion.com 5 ) Can not manage my consumer statements via TransUnion.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my credit report that is the result of fraud. i did not apply for these products nor did I give my permission for my credit to be ran for these items. XXXX XXXX XX/XX/22 XX/XX/22 XX/XX/22. XXXX XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XXXX  XX/XX/22. I filed multiple disputes with Transunion in the past months with no action taken. These fraudulent inquiries are causing my family and I a great deal of hardship. Its harming my credit and making it very difficult to obtain new credit. I need these items removed asap please.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries.

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information.

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue.

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future.

Your prompt attention to this matter is highly appreciated.
Product: Debt collection

Dispute of Debt - LVNV FUNDING LLC, Dear CFPB Team, I am writing to formally dispute a charge-off listed under my name with {$2700.00}. I believe this debt is inaccurate and have specific concerns regarding the validity of the charge-off. Firstly, I have not received a Form 1099 nor any other documentation validating this debt, which should have been disclosed to me as part of the debt collection process. I understand that under the Fair Debt Collection Practices Act, I am entitled to receive proper notice regarding any debts that may be claimed against me. To the best of my knowledge, I did not incur the debt associated with this charge-off, nor have I ever been contacted by the original creditor regarding this matter. Additionally, my attempts to obtain documentation validating the debt have been unsuccessful. In light of the above, I am requesting a thorough investigation into this charge-off and any supporting documentation that validates the existence of this debt. I am also requesting that you provide me with a complete account history, including any communications sent to me regarding this matter. Please do not hesitate to contact me at XXXX or XXXX should you require any further information or clarification regarding my case. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX ---
Product: Credit reporting or other personal consumer reports

Please see the attached document regarding proof that the XXXX XXXX XXXX XXXX  has received my FTC Identity Theft Report as evidence of my dispute, along with my FTC Identity Theft Report and proof of identity.
Product: Debt collection

Took no interest loan - whole home window replacement ( XX/XX/XXXX). XXXX Windows/sliding doors installed early -mid XXXX. Failed inspection by City Building Inspector ( XXXXXX/XX/XXXX ). Windows passed, 2 large sliders not functioning- wrong size. Need to be re-ordered. XX/XX/XXXX Sliders not yet re-placed/corrected. 
" Goodleap '' collection -- multiple calls since early XXXX XXXX ( multiple calls/day ) - First payment for COMPLETED job per contract from XXXX XXXX XXXX XXXX XXXX XXXX was due XXXX. I am able to pay the entire amount, but will not do so until the job is complete and passes inspection. GOODLEAP calls multiple times from different phone # 's. Called XXXX XXXX XXXX. Called 4x XXXX XXXX. We've provided Goodleap with daily emails with videos and photos of the issues. The 2 sliders are totally accessible from both inside and out with a mere push of the glass- I have to keep wood planks in the slider track to prevent entry to my home. Job started early XXXX, it is mid XXXX and still not complete ( i.e.still failed by XXXX XXXX XXXX ). The installers made a mess of our home -- not one of them spoke my language ( XXXX ). Buyer beware XX/XX/XXXX ( the SUB contractor! ) and the loan co, Goodleap.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Credit score was lowered from XXXX to XXXX for no change in report and remained low for 5 months. 

2. They have failed to properly investigate dispute on my credit report from XXXX XXXX. XXXX XXXX failed to respond to debt validation letter sent by certified mail. Letter was sent to XXXX in XX/XX/2019- no response to date. 
Ive disputed this debt with XXXX and Transunion, most recently in XX/XX/2019.
Product: Credit card or prepaid card

I have had my care credit card since approximately XXXX. I finally used it for the first time in XX/XX/XXXX at the XXXX XXXX XXXX in XXXX XXXX, CA. 
I only signed for their promotional offer of no APR if I pay my balance within 18 months. 
I did not sign for any other promotional offer especially a card security. 
However, when I finally checked my statement, it shows that I had been getting charged the card security with the amount of ranging from $ XXXX {$42.00} a month without my knowledge. 
Until now, I have {$530.00} balance on my account despite them showing that I have been credited that amount on XX/XX/XXXX. 

The payment due date is fast approaching which is on XX/XX/XXXX and I am afraid this will damage my credit score. 

Please kindly help me with this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

Fraud accounts that were not completed by me, incorrect reporting. The accounts are as follows : Collection Accounts -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

MRS BPO LLC sent me a collection letter in the mail alleging that I owe {$39.00} on an account with XXXX. MRS BPO LLC account number XXXX. I have never heard of MRS BPO LLC nor do I owe XXXX any money. I don't have an account with XXXX and I don't owe any money. When I contacted MRS BPO LLC they were hostile and aggressive towards me. MRS BPO LLC engages in flagrant violations of the Fair Debt Collections Practices Act with their hostile debt collection practices. I don't owe them any money nor do I have an allege debt with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below are reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed items which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

La Curacao is reporting a chargde off account on my report incorrectly. It opened in XX/XX/XXXX and the last payment was XXXX.It was a toy car for a kid. The item immediately broke and they refused to honor the warranty for the defective merchandise. I returned the item to the store to be fixed and they kept it. Now they are illegally re-aging the account trying to show that the account is constantly 90 days late every month since then to hurt my credit even though this has charged off over almost 6 years ago. The credit report erroneously shows that that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows that the account closed in XXXX of XXXX. An account can not be closed and be late every month and be charged off all at the same time. This account is hurting my ability to obtain fair and reasonable housing and I am seeking the advice of counsel and the fair housing authority.
Product: Debt collection

Caine and Weiner added progressive to my credit of {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth 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, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$170.00} ; XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO XXXX.
Product: Credit reporting or other personal consumer reports

I do not understand why this is so difficult. I provided my driver license and a copy of my passport with my other complaints to CFPB. 
Now I look at my transunion report and they have the wrong date of birth. They have XXXX As shown on the submitted documents it is XXXX It was always correct before but now all of a sudden it has changed. Do I need to get a attorney to handle this? This is crazy! This is taking hours, days, weeks even months of my time.
Product: Credit reporting or other personal consumer reports

The following accounts were fraudulently opened without my knowledge or authorization : XXXX XXXX  Account # XXXX and XXXX XXXX, Account # XXXX. I have lost count of how many times I have disputed these accounts. I even filed a police report because I am a victim of identity theft, yet TransUnion continues to report these fraudulent accounts as if my rights mean nothing. After recognizing they were unauthorized, XXXX and XXXX removed these accounts months ago, but TransUnion refused to act. This outright failure to comply with the Fair Credit Reporting Act ( FCRA ) demonstrates a blatant disregard for my consumer rights. I am beyond frustrated with this constant cycle of disputes. It is unacceptable that I have to fight this hard to protect my credit and hold TransUnion accountable. Under the FCRA, violations like this can result in statutory damages of up to {$1000.00} per violation. I am prepared to pursue every legal option available to ensure this negligence is addressed. I have uploaded documented evidence, including an invoice detailing these violations, and I will not stop until these accounts are permanently removed. TransUnions reckless actions violate permissible purpose requirements and the standard for maximum possible accuracy in credit reporting. Enough is enough. I demand the immediate removal of these accounts. If TransUnion continues this shameful non-compliance, I will escalate this matter in court and with every regulatory agency necessary to ensure that justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write experience and XXXX  and asked for any closed accounts to be removed from my account and they still appear. I want any closed accounts removed from my account for employment purposes
Product: Vehicle loan or lease

after several attempts as of this date I never received the requested information. 
Thank you. I appreciate your help. as of today XX/XX/year>, you can send them to the following address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am looking to get the following documents from you which I previously requested more than 30 days ago and have not received an answer. I believe 30 Days is more than sufficient to respond. 

Presale Letter Post Sale Letter Commercially Reasonable Manner of the transaction Letter Awaiting your response XXXX XXXX ( XXXX ) XXXX Was not able to out the information in my taxes since it wasn't correct
Product: Credit reporting or other personal consumer reports

Im submitting this complaint to follow up to you today, giving you a notice of my issue that I recently forwarded to regarding of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Again, please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX -- -- -- EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 fraudulent activity, not later than 4 business days after the date of receipt.
Product: Debt collection

I have two loans that were taken out in my name but I never approved it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  ( XXXX House XXXX ) : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX : # XXXX and # XXXX, XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Re : Overpayment on refinancing Account # XXXX On XX/XX/XXXX I refinanced my student loans with XXXX and they paid Navient {$69000.00}. This is an over payment of {$930.00} of the last principal balance fromXX/XX/XXXX. I calledXX/XX/XXXX and was told that the over payment went towards the loan you still currently house ( XXXX ). Upon adding the numbers that was applied to loan XXXX the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and  XXXX XXXX when XXXX paid you for the loans and during that time interest had accrued, however, I know that {$400.00} of interest had not accrued during 6 days. So can you please tell me where the missing {$400.00} has gone?
Product: Debt collection

Pressler & Pressler representing XXXX XXXX swept all my funds from my bank account, then threatened me that if I fail to sign the agreement of debt repayment or upon signing I would fail making repayments, a lien will be placed on my payroll and my salary will be garnished. 

This is so shocking to me because I knew that only government and its agencies can put a lien on your account for nonpayment of child support, alimony, school loans ; and IRS for owing taxes but financial institutions such as credit cards who 's funds are insured by the FDIC - that 's completely new to me! 

I had no idea that I was being sued by Pressler & Pressler representing XXXX XXXX since due to an illegal eviction I am no longer at XXXX XXXX XXXX for over a month and I do n't have a new mailbox address as of yet. 

So, I called Pressler & Pressler and after my conversation with Pressler 's representative and making payment arrangements, they still refused to release my frozen funds back to me. I had {$1800.00} in the account, which represented my Federal and State Income Tax Refunds that I just received as EFT to my account that week! 

After crying on the phone pleading with them to release my funds and informing him that since they took all my money from my account at XXXX XXXX XXXX I have only {$2.00} in my pocket thereby left without any funds to purchase groceries for the next XXXX weeks, the representative made a promise to release {$300.00}. THE MONEY WAS NEVER RELEASED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a car loan from XXXX XXXX in XXXX XXXX, Missouri on Monday XX/XX/2020. I was told that because of a student loan for XXXX they could not give me a loan. I told them because I am 100 % permanently and totally XXXX through Social Security, and considered individually unemployable and being paid 100 % XXXX by the VA, that those loans were going to be dismissed. I then told him that I thought they had already been taken off my credit report. He said it was on one of the credit reporting agencies reports and none of the financiers would touch the loan because it would mean a XXXX a month payment if it went into repayment. I explained to him that I was told by XXXX that the accounts had been removed from the account. He said when I got a letter saying they were dismissed to come back and he might be able to do something. On XX/XX/2020 my wife emailed the letter laying out what XXXX was doing. I am attaching that letter to the com [ plaint it is dated XX/XX/2020. Today, XX/XX/2020, I called Trans Union, as I had determined they were the only reporting agency that still had them on my report. I was told the item was not on my report. I told the customer service person, that I had been turned down by several finance businesses and asked if Trans Union could send a letter telling them that it was an error. I was told they don't do that. 

This afternoon, because I have not heard anything from XXXX XXXX XXXX I call XXXX XXXX XXXX, XXXX, XXXX and explained what had happened at the XXXX dealer and asked if they could take a look at financing me. His name was XXXX, and he asked his finance person if there was any way they could get me a truck. He called me back and told me that if I had a co-signer he might be able to, but he had looked at what at what at his sister company and he really couldn't do it. 

Trans Union bears the responsibility for this mess and they need to do something proactive to fix it. They had almost 2 months to do what XXXX told them to do, and even though the other two got it done, Trans Union sat on it till yesterday. As a result I am unable to go anywhere and get a truck.