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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im dXXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct
reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I have a XXXX card that was serviced by synchrony bank it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and syrchrony bank. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.
Product: Credit reporting or other personal consumer reports

Im FILLING to you today to inform you I was the victim of identity theft. 

XXXX XXXX Balance Owed : {$2500.00XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXXXXXX XX/XX/year>
Product: Student loan

XXXX college mislead me, i was supposed to earn a " complete " diploma upon completion of the XXXX XXXX course, however after completing the course with XXXX XXXX i heard from multiple employers that i needed to take additional courses to obtain a XXXX XXXX position. Unfortunately i encounters around 18,000 of debt from the XXXX course. And immediately after completing i became unemployed for months and months i never received advice or options for repaying the loan during my time unemployed i was only offered forbearance agreements which lead me directly to collections and I am so lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I closed my account with XXXX company. There was an issue of returning back the receiver, due to an inefficient work of some XXXX employees. 
After the receiver could n't be returned for a few months, XXXX sent the account to collection, XXXX  company. XXXX opened the collection account in XX/XX/XXXX. 
After the conversations with both XXXX and XXXX the problem was resolved and in XX/XX/XXXX XXXX sent me a letter, with copy to EXPERIAN to delete the collection item from my credit report. 
EXPERIAN refused to delete the item, even if EXPERIAN acknowledged the receipt of the deletion letter from XXXX. 
EXPERIAN stated, that XXXX, notwithstanding the fact, that sent to me the deletion letter, insisted that the negative item stayed on the report. 
My calls to XXXX resulted in assurances by XXXX, that they asked EXPERIAN to delete the item. 
EXPERIAN is telling me, that XXXX said to EXPERIAN, that the item should stay. 
Enclosed please find the deletion letter from XXXX.
Product: Credit reporting or other personal consumer reports

Was notified by Experian that my credit rating had dropped significantly. There was a collection, that I was and still am, unaware of and is an absolute mystery to me as to what it is even for : Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3200.00} Highest balance - Terms 1 Months On record until XXXX XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX. 

Historical info Original creditor XXXX XXXX Balance history XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$3200.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Checking or savings account

On the XXXX of XXXX, I opened a checking account with Bank of America, located at XXXX XXXX XXXX XXXX XXXX, OR. The associate who helped me was named XXXX XXXX. I immediately deposited a check written to me in the amount of {$4000.00}. They did not give me a debit card but said it would be mailed, and told me I would be able to withdraw at an ATM the next day. Two days later, I attempted to use an ATM and it could not access my account. I attempted to use no contact card payment at a store and it notified me that my virtual card was reported stolen. I attempted to log into the bank of america app and it could not find my information. I called Bank of America customer service and they told me that my account was in the process of being closed based on a banking decision at the Branch. I called the Branch and they told me they do not know why my account was terminated and said to call customer service. It seems that no department of this bank knows why my account was closed the day after I opened it. Since my account is in the processing stage of closure until the XXXX, i asked to withdraw funds and expedite the closure, to which they have told me I can not do. They are only giving me the option of waiting 5-7 days after the XXXX for a cashiers check to be mailed to me. I need the money to pay my bills and can not wait that long. I am afraid that they have stolen my money and I will never get the cashiers check. I feel that someone with the Bank of America must know why they have made the decision to close my account but are just passing off responsibility to other departments and giving me the run around. I faced immense discrimination at multiple branches, just trying to cash the check which is associated with their bank. The only option I was left with was to open an account myself, which was also responded to with mild discrimination. I feel that their decision to close my account was based on discriminatory bias in regards to my physical appearance or noticeable XXXX, as I have good credit history, and the check was verified by the BofA account holder who wrote it.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, we need to remove any incorrect accounts from my credit report. Could you check the documents? Some accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Credit card

I have a few charge cards with Capital One and one of them has 2 payments past due. I have been always responsible with my payments, however, as of now I am facing challenges to make payments and I tried to work an agreement to pay them what I can afford. They are demanding certain amount for a 3 months payment plan and I feel like I ran out of options.
Product: Debt collection

I attempted to set up business with XXXX XXXX through my XXXX XXXX ISP provider. XXXX XXXX was unable to install service at my address and never provided any service to me. I am not liable for a service that was never rendered. This has now been reported to CRA 's and I have disputed this with CRA 's and successfully gotten this removed. regardless of the actions taken by me they have sold my account to collections and attempts continue.
Product: Debt collection

Vance & Huffman, LLC. 

XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Vance & Huffman , LLC., is reporting the collection account referenced herein. I did not receive correspondence from Vance & Huffman, LLC., notifying me of the debt prior to it being report the credit bureaus. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Vance & Huffman, LLC., cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a written request to the credit bureaus to block or remove all erroneous and fraudulent item. However, the request was never granted, and no feedback was ever provided by the agencies involved. Now, I'd like to ask for your assistance in getting rid of this item or having the credit bureaus contact me about the problem. Here is the issue that bother me : XXXX XXXX Bankruptcy Reference # : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about XXXX approach to handling disputes, especially in light of the recent CFPB lawsuit that revealed significant shortcomings within the platform. Despite frequent use of Zelle and reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was unfeasible. The CFPBs findings underscore XXXX failure to adequately protect consumers, enabling repeat offenders to exploit the system and leaving users increasingly vulnerable to scams.
Product: Payday loan, title loan, personal loan, or advance loan

Since XX/XX/XXXX I've been dealing w MoneyKey Loan. They have left me homeless due to my XXXX XXXX a loan which was to be paid to my landlord on XX/XX/XXXX the day which I was evicted. 
I made a payment to them required for taxes on XX/XX/XXXX of {$1300.00} and on XX/XX/XXXX another {$1300.00}. 
On that date XX/XX/XXXX funds were to be deposited the loan amount of {$13000.00}. 
I waited for 5 days nothing was deposited. So I've requested a refund up to today XX/XX/XXXX they are telling me it's not refundable. 
They are asking another {$750.00} so called XXXX XXXX XXXX and I'm REFUSING to pay them. 
Due to their negligence I've been leaving in a hotel since XX/XX/XXXX
Product: Mortgage

XXXX Veteran, lost job, had a fire in the building, tenant using space heater,XX/XX/2015, City Fire Marshall wanted to shut down the building unless owner upgraded the electrical wiring in the building, no money for this, quotes around 15,000 dollars, tenants move out, as fire marshall stated, '' Building is unsafe ''., one year and half no tenant income, must upgrade the electrical system, fell behind on all payments, struggle to upgrade, now upgrade is complete, mortgage is behind for 3 years ... .need desperate help financially.
Product: Credit card or prepaid card

Kohl 's Department store issued me a credit card. I made one charge on the card for XXXX dollars. Around the time that the bill was due they began to call me non stop day and night. I told them that I only owed XXXX dollars and that I would be in on Saturday to pay the balance. They continued to call and call. Finally after 20 calls I told them to close the credit card immediately and that as previously stated I would be in on Saturday to pay. I went in to pay and they had charged me a fee of XXXX dollars in addition to the balance. I paid the balance. Kohl 's has continued to charge me fees even though the account was only open for a month and I paid the balance. They say that I currently owe XXXX. I have repeatedly disputed that the late fees that they are charging me are based on THEIR own late fees NOT the amount that I owed for what I actually purchased. I paid for what I purchased how is it legal to have to pay fees after the account was closed and f the balance is only their fees? They have turned me over to a collections company and now I get the harassing calls from them.
Product: Credit card or prepaid card

I received a notification from XXXX XXXX XXXX regarding a new account being opened in my name. I checked my credit report and there was an account from CB Indigo/GF opened on XX/XX/23 found on XX/XX/, that had a balance of {$130.00}. I contacted the company with the number provided on the credit report and spoke with a representative, informing her that the account did not belong to me, she asked questions and verified that the address on file was not my address and would initiate a fraud investigation. She instructed me to file a complaint on this site and it would take them approximately 60 days to investigate and remove the account from my credit report. The contact number for CB Indigo/GF is XXXX XXXX ) XXXX. Thank you for taking the time to look into this fraudulent activity.
Product: Bank account or service

My employer uses ADP as a payroll service - ADP made an error on my paycheck. I was sent an " A LINE '' card to have immediate access to funds. When trying to contact the " customer service '' within ADP A LIne card - I have been on the phone for over 3 hours trying to determine how I can access my money. I was told direction by one rep - than was completely contradicted by another. I was then told I would have someone call me back in 3 -5 days with an " escalation ''. There was literally no recourse, no superior, nothing other than I would be called back within 3 - 5 days. Meanwhile, I have 0 access to {$3200.00} that is currently floating somewhere in cyber space. UNACCEPTABLE. Meanwhile I am racking up funds from my bank for my checking account being below a threshold, and automatic payments will be bouncing. I can not believe I have been sandbagged so completely and that these practices are lawful nd acceptable, 3 -5 DAYS - and I may get a phone call back! ADP - the worlds largest payroll company, a Fortune 500 - AAA Credit rating etc ... in 2017 this is the best you can do???
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.
Product: Debt collection

Over the past few weeks I have received numerous calls from someone stating they were with the office of XXXX XXXX. They stated that they were calling to inform that there will be an investigation made on my current employment to include contacting my employer to have wages and employment information obtained. To prevent this action I would need to contact the office of XXXX XXXX at XXXX. 

I contacted the number to find out that the company was XXXX XXXX XXXX. After researching the company further I discovered that the group has had XXXX other numbers with an address at a XXXX in XXXX NY. The number that come up on the caller ID was a XXXX number XXXX. I attempted to ask who the debt was being paid to and was told it was the XXXX. I closed the account over 5 years ago because of false statements on the agreements and excessive fees. The account was removed from my credit report after I submitted the case to XXXX. Now some investor has purchased the debt and is attempting to scam me for over 300 % of the amount that was settled 3 years ago. 

There is another instance where this company has contacted a person stating if the item is not paid it will effect their ability to get a bank account or even obtain employment.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I wired money ( {$25000.00} ) to XXXX XXXX XXXX XXXX out of the XXXX via their U.S. agent in Florida, XXXX XXXX, at Sun Trust Bank in XXXX, Florida. This scam artist stole the money. I filed a complaint with the local police, incident # XXXX, XXXX XXXX Police, of XXXX, Pennsylvania. The police issued a search want to Sun Trust to produce evidence of the crime. Sun Trust has failed to comply for two months. XXXX XXXX  was the origin of the wire.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, Ive been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; SXXXX XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX CXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} ; SXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX