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

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ( XXXX ) ; XXXX XXXX XX/XX/2022 ( Transunion ) ; XXXX XXXX  XXXX XX/XX/2022 ) has lead me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX doc reflecting all items that were found to be authorized by any such. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received " Take Nothing Judgement '' in which the Plaintiff, Discover Bank take nothing against Defendants XXXX XXXX. Cause No. XXXX Discover and the 3 credit reporting agencies refuse to change this from a Charge Off to removing from my credit report or to list it as a Take Nothing Judgement.
Product: Credit reporting

Have been working with you and Equifax many months. Several items have finally been removed. I have requested several times a corrected, updated copy of my credit report and score but still have not received it. 

SEND MY CORRECTED/UPDATED COPY OF CREDIT REPORT WITH SCORE
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX  account number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent
Product: Credit reporting or other personal consumer reports

I have not authorized these hard inquiries, they are fraudulent, and affect my credit score negatively. 
These are the fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent dispute letters to Trans Union,  XXXX  and  XXXX . TransUnion and  XXXX  put an initial fraud alert on my credit report without my permission, against my will, and without my knowledge. My dispute letters did not indicate any type of fraud ; this action was done by TransUnion and  XXXX  unsolicited. I called TransUnion but was hung up on/disconnected six different times.I tried to call   XXXX   but can not reach a human being. I need the fraud alert that I did not request to be removed from my TransUnion and  XXXX  credit reports. I believe this may be the reporting agencys ' new tactic to avoid handling disputes from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}
Product: Mortgage

PNC is guilty in acting as a foreclosure mill and denying legal right to avoid foreclosure. At issue is a foreclosure sale date on XX/XX/19. PNC has received documents from my new lender stating they are paying off PNC in roughly two weeks and they need a foreclosure postponement. PNC is refusing to postpone and continues to request additional docs on top of the docs provided that are sufficient. As you will see on attached docs lender has approved the loan, all conditions met and close date has been set with closing disclosure. They are requesting a hud from a " title company '' when in CA title companies don't provide huds, escrow offices do. This is financial negligence on behalf of PNC and unacceptable.
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 15 U.S.C 1681. 

Account Name : 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 XXXXXXXX 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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( 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: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit from XX/XX/XXXX to XX/XX/XXXX XXXX
Product: Credit card

I cant necessarily see the transaction because navy federal is blocking access from me from my account but it was numerous purchases from a retailer or company called XXXX from the ranges of XXXX purchase going well over XXXX Dollars was taken from my credit card I notified navy federal they issued me credits for the trouble and stated a investigation will be conducted once the investigation was concluded all I seen was my credit card maxed out by XXXX dollars at that time and no explanation or details on why only just that no fraud occurred when I told them numerous times that Im not associated with that account
Product: Mortgage

I applied for mortgage assistance with ROCKET MORTGAGE under the CARES ACT OF 2020. I was told to pay my bill until I receivd a letter that I am approved and that would take 30 days. We were well into XXXX and I asked what I should do about the XXXX bill and I was told to pay and if I am approved XXXX I will get my money back. My approval date was by XX/XX/XXXX so I made sure they got my payment by XX/XX/XXXX and filed for forebearanced as instructed. 

I got my letter today and called in to confirm, and no one knew what to do until one resolution specialist said they don't have to return my money or start the forebearance next month. They can keep it AND charge it to forebearance and there's nothing I can do about it. I can not appeaL, I can not create a complaint. I can not speak to anyone else. I can not send a letter. I shouldn't have paid my mortgage on time. I begged that even if I was given the wrong information when I called in for filing information this was still a hundred year horrible world wide pandemic and Rocket Mortage should do the right thing. The right thing that they did was hang up on me after 40 minutes. Thank You Rocket Mortgage. 

I publish this so other consumers don't get abused by the policy -- they want you up to date or you won't get approved for forebearance, and then when you get approved for forebearance they will keep your money anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus. Two weeks ago i decide to check my credit reports and there was  de 60-120 la te payments on the  XXXX    XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they declined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.
Product: Credit reporting or other personal consumer reports

My credit debts and information was shared without my consent. I also have numerous Charge Off 's on my credit report but has not recieved 1099 's for said charge off. Alco there are negative instances on my credit report after they were paid off and closed. Also there are inquiries that didn't lead to successfully secured loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Debt collection

I received a letter dated XXXX XXXX, 2016 from Genesis Credit Management in which they asserted that I owe a debt of {$1400.00} to XXXX XXXX XXXX. I sent them a letter dated XXXX XXXX, 2016 disputing this debt and asking for the name and address of the creditor and proof of my responsibility to the debt, along with requesting that the debt be reported as under dispute to credit reporting agencies, and also requesting that any further communications should be in writing and limited to either their failure to verify the debt or the information I requested. I sent the letter certified mail, return receipt requested, and I received proof of their receipt of my letter dated XXXX XXXX, 2016. To this date, I have not received any written communication at all, the disputed item remains on my credit report, and the company continues to call my wife and me on a weekly basis.
Product: Payday loan, title loan, or personal loan

time financing services XXXX XXXX XXXX XXXX XXXX Nc XXXX accountXXXX I walked into the business looking to get a loan for less than 1k. The agent looked at my credit and salary and said hey i can get you approved for XXXX. I accepted the loan. I paid on the loan for about a littler over year. I called them because i had some extra funds and wanted to apply it towards the account. They gave me the balance on the account and i still owed ok XXXX. I asked how was that possible when the original loan was only 5. They explained that my payment where only going towards the interest on loan. I am looking to purchase a home and showing my current balance on this loan is over 7k. When I only was loaned XXXX. I want to report this company for have predatory practices and have this removed from my report.
Product: Debt collection

I being sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while in XXXX XXXX. I did live there for 3 years, XXXX, after XXXX military service. I moved back to XXXX XXXX for medical treatment. I was not properly notified, the debt is 7 years old, and the funds are exempt from collection, ( social security for XXXX, veteran compensation ) XXXX XXXX, XXXX is the collection company in the states, represented by XXXX in XXXX XXXX.
Product: Checking or savings account

I had a XXXX membership account and i was overcharged for more than the contract of 3 months commitment. I couldnt cancel due to not having phone number linked to account. I couldnt stop transactions. I had chargeback when first started in XX/XX/year>. And for XX/XX/year> for the double accounts. I still needed the rest of the illicit charges on my card. Included are the charges and the contact correspondence for the dispute claim and hoe many time I tried to get back into my chime bank account. 
Please help, XXXX has not responded with a human and ask incompetent questions when thy should have read what I was asking for instead of asking. If I needed help getting into my account. 
I've waited long enough, this has caused financial hardship and need to be reimbursed. 
Thank you
Product: Money transfer, virtual currency, or money service

There was a payment sent to me of {$450.00} on XX/XX/2021 in exchange for trip service, In order to send money through Venmo you have to know the receivers first name, last name, last 4 numbers of social security and phone number. These security reasons are put into place to prevent fraudulent activity. I got an email on XX/XX/2021 stating that I violated an agreement because the sender reported the payment as unauthorized. There are certain procedures you have to go through to authorize a payment and that was done. 
So Venmo allowed someone to send money receive a service from me and report the payment and took the money out of my account and shut it down.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I received an alert from XXXX that JP Morgan Chase ( " Chase '' ) checked my credit. I called them and spoke with their fraud department. I was really upset because I already had a credit alert on my credit file saying to contact me on my cellphone if anyone applied for credit, because I had previously been a victim of ID theft. However, Chase did not contact me. I told them I did not apply for a credit account with them. They told me they would be removing the inquiry and not opening the account. They sent me a letter stating that too. It's been almost a year. I'm now purchasing a home and I realized this fraudulent inquiry from Chase is still on my credit. This inquiry needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all   XXXX   bureaus  XXXX ,  XXXX , and Equifax. Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified Mailed dispute letters disputing accounts with Transunion 3 different times.They are verifying the accounts are accurate. I called them and asked how they were verifying and they told me the creditors verified by my name and a address. I then asked are they not to verify all things they report on my credit report as accurate and that it is mine by validating proof such as an original signed contract with original creditors according to THE FCRA Section 609 ( a ) ( 1 ) ( A ). She said that is true. I then asked then why aren't you all doing that. She stated that Transunion does not have to verify anything and that I needed to contact the creditors. I told her that I was writing this down and asked if Transunion validated my debt with the creditors by seeing if the creditors had an original signed contract with my signature on it. She said no they did not. I reminded her of the FCRA section 609 and section 611 and asked if they were going to continue to ignore it by violating the federal law. She chose to not comment. I have attempted to solve these problems with Transunion 3 different times to no avail. I only wanted to know if they are accurately validating this debt and that it is accurate and mine, which is the federal law.If they can not verify this information, they are to promptly delete ( FCRA Section 611 ( 5 ) ( A ) ). I am a litigious consumer and fully intend on pursuing litigation. I know the remedies available to me ( FCRA section 616 & 617 ) for failure to comply with the federal law.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically U.S.C. 1666b, I am challenging the accuracy of this information. The information appears as a result of identity theft. I have been a constant repeat victim of identity theft dating back to before 2018. It is documented, I have police reports and FTC reports along with other supporting documentation. This information was submitted and ignored and the items in question, which are surely not mine, still remain on my credit report. I am currently in the process of attempting to get a house and this is a huge problem/obstacle that needs a solution as soon as possible. I have sent multiple letters explaining this information and have not been able to get any assistance for months. This matter has been negatively affecting me for more than 6 months. My last letter was mailed earlier this month. 

I am requesting that XXXX, XXXX, Equifax, and any other relevant credit reporting agency re-investigate this matter and remove/block the inaccurate accounts along with the corresponding information from my credit reports. As stated in U.S.C. 1666b, I am entitled to have any incorrect or incomplete information corrected or deleted from my credit report as an victim of identity theft.
Product: Debt or credit management

I have been contacting Equifax for over one year. I have mailed in the requested documents, such as my ID and Social Security card. Equifax continues to refuse to provide me with a temporary password. I have provided all the information before a live representative and when I get a live agent. The problem continues no matter what I have provided. At this point, Equifax is causing me financial damages and preventing me from accessing my account to verify my accounts. I have made it clear that I'm dealing with fraud, a human trafficking situation phone hacking, computer systems, mail fraud and theft, and phishing phone calls. I needed to get into my account and email their customer service department at XXXX. I get automated email responses with no assistance at all. All I need is to access my account and be able to gain access to fixing my accounts due to dealing with terrorists that my XXXX is involved with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX according to USPS Certified Mail XXXX received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is obligated by the Privacy Act of 1974 to balance the need to maintain my information with my rights to be protected against unwarranted invasions of my privacy. On XX/XX/XXXX TRANSUNION shared my personal information to include my transactions and experiences to XXXX, XXXX, XXXX, and XXXX XXXX, which are a third-party companies. This reporting is in direct violation of 15 USC 1681a ( 2 ) ( 1 ) and the Privacy Act of 1974. TRANSUNION are liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Trustee ) XXXX XXXX XXXX XXXX, XXXX XXXX, South Dakota. In addition to this complaint, I will be filing a form 211 treasury omb form to have my consumer account audited. I am aware that TRANSUNION is securitizing my consumer data, but continues to break the law by sharing my data illegally.