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

I'm deeply concerned about how my rights as a consumer are being violated due to the unauthorized and inaccurate information being reported on my consumer report by XXXX, TransUnion, and XXXX. It's incredibly frustrating to see these credit reporting agencies mishandle my personal data, especially considering their crucial role in assessing my creditworthiness. 

The fact that unauthorized information has found its way onto my consumer report is a clear breach of my right to privacy. I've always believed that I have control over my personal information, but with this inclusion of accounts I never opened and activities I never engaged in, my privacy is being compromised, leaving me vulnerable to potential identity theft or fraud. 

What's even more disheartening is the impact of these inaccuracies on my right to fair and accurate credit reporting. I've always strived to maintain a good financial standing, knowing how crucial it is for my future endeavors. However, with XXXX, TransUnion, and XXXX reporting inaccurate information, my credit profile is being distorted. This can lead to unfavorable credit decisions, higher interest rates, and even difficulties in securing loans or finding employmentultimately hindering my financial opportunities. 

The repercussions of these violations extend beyond my immediate concerns. They have the potential to harm my reputation and overall financial well-being. Lenders, landlords, and potential employers often rely on credit reports when making important decisions about my eligibility. With unauthorized and inaccurate information tarnishing my credit profile, I may face loan denials, higher interest rates, housing rejections, or missed job opportunities. It's disheartening to think that these violations can have such long-lasting effects, hindering my ability to achieve my goals and maintain financial stability. 

In light of these violations, it's crucial for me to take immediate action to rectify the situation and ensure that my consumer rights are protected. I need to assert my rights to privacy, fair credit reporting, and the opportunity to dispute and correct errors. By doing so, I can work towards restoring the integrity of my consumer report and safeguarding my financial future.
Product: Prepaid card

I were previous XXXX and a card were issue to me from my car loan company with a refund amount of {$6500.00} est. I were XXXX  from XX/XX/XXXX to XX/XX/XXXX. Once my dealer informed me of a refund I called around to find info about it and I was informed that all the funds were used and gone. So I filed a dispute with the company and they gave me a 30 to 45 days time frame of the investigation they denied the dispute just b4 the end. I dont think they investigated nothing because they would of knew I never received the card I was XXXX  at the time I need help please I doesnt know the physical card company but my card have XXXX on the back I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the name of the company. I sold my house and closed escrow on XXXX XXXX. XXXX reported me late as far as XXXX XXXX after escrow closed. I was late once at most, not even 30 days late, and they counted it as 2 rolling lates which looks like 4 lates. They have ignored my pleas, calls, letters, and emails. Their company is changing in XXXX to the name XXXX XXXX mortgage and they do n't seem to care. I keep getting the run around, transferred, told to email, then mail, they promised action in 3-5 days, before that 7 business days.I was given an email address that was dead. No responses whatsoever. No response, no letter, no action. I am desperate as I am a retired XXXX trying to get a good home loan out of state. This derogatory information is making it very difficult. I thank you in advance for helping me with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported missing payments on house loan. 
Company 's name NewRez. 
Address XXXX XXXX XXXX XXXX XXXX MI XXXX Phone # XXXX Fax # XXXX I have auto debit bi weekly payment since i have this Mortgage Loan. 
They reported i miss the payment 3 times in six months. 
Its totally incorrect. 
I file dispute with them on XX/XX/2020 and after 30 days they send me letter saying will take more time not mentioned any period. they dont allow me to talk to Manager or supervisor about this matter. Even not provide name of them or ext. no for them. I am trying to refinance to get lower rate but i am suffering due to this reason no finance co. accepting our application.
Product: Money transfer, virtual currency, or money service

XXXX. Paypal holds money randomly for no apparent reason and is misrepresenting my credit situation which is worrying me that it will affect my credit that I have been working hard at rebuilding. 
XXXX. I was stuck in another state when my sister sent me money ( {$150.00} ) through Paypal. For no apparent reason, and she has sent me money before through XXXX, when they held it, stating that it would not be available for like 72 hours. I had to sleep in my car as I was stranded in another state ; and, despite numerous communications, Customer Service did not help me, telling me to stay near my phone. Mind you, that was becoming uncharged from me sleeping in my car. 
XXXX. I have been using Paypal 's Pay in 4 option for some time ; and, all of a sudden, it is no longer available to me. That is not the issue though. Paypal sent me several decisions, indicating that fraudulent activity is tied to my Pay in 4 and that I have late/NSF payments XXXX All of which is false. I have no fraudulent activity tied to my account and I pay my payments EARLY always. These misreprentations ( and, outright lies ) can affect my credit. 
XXXX. I call Customer Service and all I get is that it is an automated process ... Their response from a manual or something, and they never correct the errors, only telling me that there are no restrictions on my account or problems with my account. However, they send decisions with totally FALSE information. 
XXXX. Customer Service does not have a good handle on the english language, and does not understand what is being said to them. 
XXXX. It is interesting that Paypal always finds a way to get their fees. They do not put " holds '' or ask for extra documentation when it comes to them getting their fees. I But, put " holds '' on my money, ask for extra documentation, and give decisions with INACCURATE INFORMATION. 
XXXX. I have looked on the Paypal forums and this seems to be Paypal 's standard practice. Their is clearly some sort of computer " glitch '' XXXX n addition, they advise they do not have access to the decisions, which is very odd. I have repeatedly forwarded them to them though. 
XXXX.They let false invoices get sent to me routinely that I always forward to their phishig department, but for ones I generate that are real give me issues and when it is my money give me issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to investigate and remove a 3rd party collection agency incorrect information on my credit report. I have no knowledge of this of this agency XXXX XXXX. I have NO CONTRACT OR SIGN A CONTRACT WITH THIS 3rd party COLLECTION AGENCY. I have disputed this fraudulent information 4 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Equifax will not remove this 3rd party NO CONTRACT debt. After disputing the fraudulent charged Equifax let the consumer/3rd party XXXX XXXX XXXX place a refusal to dispute on my credit report ; which states I can no longer dispute the 3rd party XXXX XXXX XXXX charge and it will remain on my credit report along with the collection agency statement for other creditors to see if i apply for credit. XXXX XXXX refuse to take any more of my complaints or disputes. The issue I have is why Equifax allow a collection agency to put a statement on my credit report to reject any of my disputes or complaints and also to let other creditors see ony credit report? This is not the law for FCRA Fair Credit Act Report guidelines. This type of action from Equifax is out of FCRA compliance requirements for a customer contesting incorrect accuracy of information on their credit report. This is the type of treatment these credit bureaus need to stop immediately. I have every right to dispute 3rd party collections NO CONTRACT fraudulent information. These 3rd party collection agencies have no right to collect a dime when a client have no contract or agreement with their business. Also, Equifax never increased my credit scores after Department of EducationXXXX informed them that over {$150000.00} school loan debts were paid in full. Equifax removed the debt, but no increased credit score. My understanding when debts are paid in full credit scores should increase. There were 25 Department of Education/XXXX loans paid in full ; however, there were no credit score increase to show loans were paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am personally reaching out to you that there are inaccurate filings on my credit report. In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Names, and Account # 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 XXXXXXXX All these account have violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 even years.

15 U.S.c. 1681s2 ( 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 informations inaccurate.

This inaccurate information is preventing me from the ability to attaining new credit cards, or a car loan.
Product: Credit reporting or other personal consumer reports

I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/ which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my mental health, not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again. I should not continue to be punished for being a victim, and all I can do is reach out to your company to correct it
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the TD Auto Finance account and includes several inaccuracies that need correction.

**Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$21000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date Reported : XXXX XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date Opened : ** XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX ) - **Balance Owed : ** {$690.00} ( TransUnion ), {$690.00} ( XXXXXXXX XXXX XXXXXXXX ) - **Closed Date : ** XX/XX/XXXX ( TransUnion ), not provided by XXXXXXXX XXXX XXXXXXXX - **Account Rating : ** Derogatory - **Account Description : ** Individual - **Dispute Status : ** Account not disputed - **Creditor Type : ** Auto Financing ( TransUnion and XXXX ), All Banks ( XXXX ) - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff XXXX **Creditor Remarks : ** Charged off as bad debt ( TransUnion ), Merchandise was taken back by XXXX XXXX ; there XXXX be a balance due ( XXXX ), Charged off account ( XXXX ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( TransUnion and XXXX XXXX, XX/XX/XXXX ( XXXX ) - **Term Length : XXXX XXXX XXXX XXXX XXXX ) - **Past Due Amount : ** {$690.00} ( TransUnion ), {$690.00} ( XXXX and XXXX ) - **Account Type : ** Auto Loan - **Payment Frequency : ** XXXX ( every month ) ( TransUnion ) - XXXX Limit : ** {$0.00} This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across TransUnion XXXX XXXX, and XXXX XXXX 
2. **Date Reported : ** Different reporting dates across the credit bureaus.

3. **Date Opened : ** Discrepancies between TransUnion and the other bureaus.

4. **Balance Owed : ** Inconsistent amounts reported by TransUnion and the other bureaus.

5. **Creditor Remarks : ** Differing comments about charge-off status and merchandise return.

6. **Last Payment Date : ** Different last payment dates between the credit bureaus.

Attached are copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
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/XXXX2025, 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 : XXXX XXXX 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. 

XXXX 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 XX/XX/XXXXXXXX
Product: Debt collection

Continues to call my work. I 've been told by XXXX different representatives that they have removed my work number.
Product: Credit card or prepaid card

I received a U.S. bank ReliaCard. The flyer with the card said I was receiving this card because I applied for unemployment. I have not applied for unemployment. I live in Nevada. The card was sent from the Colorado Department of Labor and Employment. Several years back my identity was stolen and it took a long time to straighten it out. I don't want to have to go through that again. The name used on the card is XXXX XXXX.
Product: Debt collection

someone stole my identity and opened and account with XXXX. I currently have XXXX  and I do not owe them that amount. It says date assigned XX/XX/2015
Product: Money transfer, virtual currency, or money service

I have an account with the money transfer service Transferwise. 

On XX/XX/2019, I received an e-mail about a money transfer being sent to a recipient in the XXXX, which I did not recognize nor authorize, in the amount of XXXX US Dollars. 

I contacted Transferwise and they informed me the money had already been sent and wasn't recoverable.

I strongly believe my Transferwise account was hacked into and this person used saved payment data to make a transfer to themselves ( or a fake alias ).

Once I logged onto my bank accounts and cards and noticed no money was taken out of my accounts, I immediately contacted Transferwise again to inquire how could the transfer be completed and the money sent, and no transaction be showing in either of my bank accounts. They informed me, then, that the payment method used was a Debit Card from XXXX XXXX XXXX. I do not have nor did ever have business with that bank institution. 

After realizing the money that funded my transaction had not come from my personal accounts, Transferwise said the matter was resolved. 

However, I called XXXX XXXX XXXX to inquire if any accounts had been opened using my personal data and they were unable to find any accounts under my name ( and all possible variations ), nor my Social Security Number. 

My best guess is some fraudster ( details below obtained from the Transferwise Transaction receipt ) used my account and someone else 's payment info to make this XXXX US Dollars transfer. 

I did inform XXXX XXXX of that, and did forward a copy of the transaction receipt to their representative XXXX XXXX, who was very helpful in trying to find if any accounts had been opened under my name or SSN. 

This is all the information I was able to retrieve from the recipient to which the money transfer was sent. I managed to obtain the following details in the Transfer Receipt : Recipient Details Recipient : XXXX XXXX Order Number : XXXX Address : XXXX XXXX XXXX., XXXX, XXXX, XXXX XXXX Phone : XXXX XXXX XXXX Bank Account Details Sort Code : XXXX IBAN : XXXX IBAN BIC : XXXX Account Number : XXXX I have also submitted a report with the National Fraud & Cyber Crime Reporting Center in the XXXX XXXX, home of the Recipient of the transfer.
Product: Credit reporting or other personal consumer reports

I sent a letter to update my personal information as well as to investigate the inaccuracies on my Consumer report.. I sent the information on XX/XX/ certified mail. 

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

On XX/XX/year> I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting late payment after late payment several times which is a violation of my consumer rights under 15 USC 1666 ( b ) and 15 USC 1637 ( a ) under the Truth in Lending Act. This company has also written this debt off but never sent me a XXXX letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all XXXX credit bureause until they can give me a XXXX and removed this debt off my credit.
Product: Mortgage

I made a complaint in XXXX regarding paying on my mortgage for 19 years and have only paid {$8000.00} towards my principal in that time, which I think is wrong. I brought this up to my first mortgage company XXXX, to which when I started to complain they sold me off to NewRez.. I am now asking questions, requesting information and complaining to NewRez and now they are switching me off to another mortgage company. Is this legal? When can we the consumer actually get help? Do these companies get off the hook by keep passing us on to other mortgage companies when we start to complain and ask questions? Shouldnt we the consumer get a notice of who we get switched to? Its awefull how I just made a complaint with yall ( CFPB ) on XX/XX/year> and I received a letter today XX/XX/year> from Shellpoint that New Residential mortgage has acquired the rights to service my mortgage loan account. Can somebody please explain this to me?