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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX, XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX - ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

To whom it may concern The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations.We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each. 
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX, XXXX CAD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit card

I am trying to dispute and clear fraudulent credit activity as a result of identity theft from a XXXX XXXX credit card issued by Synchrony Bank. Suspicious activity began on XXXX with the opening of a XXXX XXXX Credit Card and subsequent charge of {$10000.00}. The balance is currently on hold and remains on my credit. I have appealed this action XXXX  and they keep denying me. I provided evidence that i was subject to an identity theft and multiple credit cards were taken out in my name all at once.
Product: Checking or savings account

XX/XX/XXXX XXXX deposited XXXX in to my cash out problem ia my phone was stolen suggest XXXX by the time I got a new phone and in my account my money was gone I reported it right away and they only refunded me some of the merchant transactions but not the money that was transfered I had been in contact going back and forth for months and then they just closed my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, a court order was issued vacating a XXXX XXXX   judgment, I contacted Trans Union and forwarded them a copy of the court order, they were contacted three times about this matter, they fail to remove the negative information from my report, because of that my credit standing was affected with other lenders causing a financial meltdown, the information is still listed on my credit report, please be advice that when a court vacates a judgment, it is as if the judgment never existed, therefore all information related to this matter must be completely removed from my credit report, a vacated judgment should never remain on anyone report, I believe my rights has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I had credit cards lowering my balance and marking me late. I fought it and submitted payment, and. XXXX XXXX never paid while living in marital home, I uploaded decree, they clearly dont care I do not owe XXXX in mortgage I have a small equity loan of {$30000.00} left from {$80000.00}. Problem with CT XXXX XXXX   XXXX XXXX AND XXXX XXXX, We hired an investigator which I paid for his belongings where there until XX/XX/2016.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I m here because and i wish get help for anybody who s can help me please. 

On XX/XX/2022, I contacted PayPal because for days I could not access my account. After a long conversation, the agent was able to locate the account and realized that it had been stolen. 

Even all the money had been withdrawn to a bank account that is not mine with terminal XXXX. 

In that same order, the PayPal Analyst opened a case with the following information : This account was stolen from unauthorized access since XX/XX/2022. The client 's account was hacked. the email address was added ( XXXX XXXX XXXX XXXX ) does not belong to the customer. On my end i tracked many different device was used ( os device and phone devices ) do not correspond to the client 's history, I saw multiple connection from VPN and I have tracked the IP and it does not correspond to the client 's history. Withdrawals made to the terminal bank account XXXX XXXX XXXX XXXX were not authorized by the client and this account does not belong to the client. All transaction has been reported with the case CASE XXXX and all transaction has been reported in the case too. CASE XXXX PLEASE REVIEW ALL TRANSACTION HAS BEEN UNAUTORIZED. XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$100.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$2900.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1800.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1200.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1400.00} Get help to customer get a refund. 

So, all information was describe on the case, he told me many time VPN was used for login and other information was added too. 

After this problem my account was limited Reference ID : XXXX, I never had any dispute of my payment received, I never had any problem before, I always use PayPal in agree with all policy. 

XXXX Limitation ID : XXXX Case of unauthorized access and Transaction : CASE XXXX and Case XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and provided documentation it was taken off then placed back on. Police reports and ftc reports were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of a debt from my credit report in accordance with consumer protection laws. The complaint I filed under reference number # XXXX XXXX XXXX has taken more than 30 days to be resolved, which I believe entitles me to have the debt removed from my credit report. 

As you may be aware, the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate and respond to disputes within 30 days of receiving them. In my case, I filed a complaint with your agency more than 30 days ago and have not received a response or resolution to my complaint. I understand that the XXXX has the authority to enforce the FCRA and ensure that consumer reporting agencies comply with its provisions. I am therefore requesting that you take action to have the debt removed from my credit report, as I believe that the creditor has not provided sufficient evidence to justify its inclusion. I appreciate your attention to this matter and look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX account number ; XXXX, XX/XX/XXXX, {$450.00}, {$260.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$23000.00} XXXX XXXX ; XXXX, XXXX, XXXX, no verified date ; {$2600.00}, {$4000.00}, XXXX ; XXXX, XX/XX/XXXX, {$9200.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX, no verified date, {$9400.00} XXXX ; XXXX, no verified date, {$58000.00}. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. 

XXXX, XXXX, and Experian are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.
Product: Credit card

I purchased this airline ticket for a young traveler that needed to prove he had a return ticket back to his home country of XXXX. When the return ticket was presented to the outbound carrier, XXXX XXXX,, they denied him the ability to continue his travel to XXXX on a connection stating the airline ticket was from a company called XXXX XXXX which XXXX XXXX at XXXX airport considered an illegitimate company The demanded only passage from an XXXX country airlines would be acceptable. So the passenger was denied boarding to complete his destination and returned back to XXXX. I had purchased while in XXXX so when I tried calling XXXX, they did not list a phone number for customer service in XXXX. I attempted several times to try to cancel the ticket by website within an hour of purchase, but was unsuccessful. When I returned on XXXX XXXX I Contacted citicard.com for refund but weeks later, they stated that the investigation was complete, but never gave me an explanation as to why they ruled in the merchants favor XXXX charged {$270.00} back on my credit card for services I tried immediately to cancel. I was unsuccessful in doing so, but I made every effort to try to cancel the ticket, in a timely manner, but the XXXX system did not work favorably for me.
Product: Mortgage

My mortgage lender paid my Homeowners Insurance twice causing a large negative escrow. They have raised my payment by {$500.00} per month to make up for it. I have not been reimbursed for the insurance yet. I requested that they hold off on raising my Mortgage since it was their fault but they declined.
Product: Mortgage

Submitted to Selene Finance letter of their unfair practice, errors on their behalf on our income ( I reported this in writing ) misrepresentation, discrimination among bad faith. I requested to Selene to Please bring my loan payment back to the date I asked for assistance unable to pay my mortgage for XX/XX/XXXX, only, make arrangements just for the month due to temporary hardship. I was misguided to apply for loan modification instead of other ways I could have pay them for only one month. Their accounting errors, unfair practice, misrepresentation and discrimination, has led me to be in a situation that I can not handle. I dont know what else to do. Selene has replied to cfpb of my complaints with excuses. XX/XX/XXXX. Thank you
Product: Vehicle loan or lease

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  XXXX XXXX ( Original Creditor : XXXX DTE ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX 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
Product: Debt collection

A company called RMG ( Resource Management Group ) called me today stating that I have an unsettled debt from XXXX. 

They informed me that the address associated with the account in XXXX. The issue is the address is a known address of mine but I have not resided in that address since XXXX. 

They seem to know my personal email as well as the last 4 of my social. They offered to settle this debt in the full amount of {$590.00} and sent me an email indicating the creditor 's name as XXXX XXXX, which I'm not aware of at all. 

I have asked for specifics of the account such as when it was opened, and they were not able to provide this information. I have also asked for the direct contact of the creditor and I was informed that they are no longer in business and XXXX has taken over the account. However, they are not XXXX and they have not stated that they were representatives of XXXX in any shape or form. 

I was a victim of identify theft around XXXX and I have expressed that fact. They made threats that include the following : 1. Wage Garnishment 2. Lien placement 3. Legal Action 4. Negative feedback on my credit. 

Their contact information is XXXXXXXX XXXX XXXX  XXXX, XXXX, NC XXXX I have tried to visit their website but it redirects me to a landing page that has not been built. I have researched their phone number it appears they already have complaints with FTC as well. 

I am deeply concerned for my credit as it has taken me quite sometime to get it to be where it is and I'd like to file this complaint to avoid any further detriment as well as the calls from coming in.
Product: Vehicle loan or lease

XX/XX/2024 and XX/XX/2024 I called ( XXXX ) XXXX XXXX. 
Due to extenuating circumstances resulting in a financial hardship I contacted Mercedes Benz to ask for a payment deferral. I called on two occasions and spoke to two agents. Each agent gathered my information and the circumstances that led up to the hardship ; thus, requiring that I requests for a deferment. But neither provided an overview of the deferment program benefits, requirements and fees. I specifically asked on two occasions to be provided the information, the ladder occasion I asked to be provided the information before the request to defer the payments were processed. Mercedes Benz financial charged a {$600.00} fee to defer lease payments ; essentially the fee includes less than {$50.00} in taxes to put the payment on the back end of the contract. The other cost is the administrative cost for the deferment. Which led me to ask the question, How does this benefit the me, the owner, during financial hardship. Specifically, if I am required to pay {$600.00} that I dont have due to extenuating circumstances ; and that has led to financial hardship? The representative then said, '' the least I can accept today is {$300.00}. '' I explained to the agent that I did not have the {$300.00} and that the deferral program was at best - predatory and didnt offer a tangible benefit for persons who were experiencing a financial hardship but was a means for Mercedes Benz to either make money off consumers during periods of hardship or block utilization of the deferment program. Or possibly both. To date, all payments have been made on time and I attempted to
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that Transunion continues to violate procedure in case of disputed accuracy 15 U.S code Section 11681i. 
In a previous complaint filed in regards to XXXX XXXX XXXX, I stated that Transunion has taken more than 30 days to respond to my request to conduct a reasonable investigation. In regards to XXXX XXXX XXXX XXXX partial account number XXXX On XX/XX/XXXX I sent a certified mail with XXXX pages of the lease agreement which did not bare any of my signatures. Along with a letter asking for a reasonable investigation. Included in this correspondence, I included a copy of my state issued drivers license and a copy of my XXXXXXXX XXXX tax return, showing that I did not live in XXXXXXXX XXXX during that time. The written signatures sections on the leasing agreement sent to me by XXXX XXXX is actually blank. 
NO ACTUAL PROOF THAT I SIGNED THE LEASE ADDENDUM. XXXX XXXX then send me a threatening letter informing me that they would not do any investigation on the matter and that the item would remain on my credit file. Which is a violation of 15 U.S.C. 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
As of today, Transunion has just decided to respond to my correspondence. I submitted information regarding this matter on XX/XX/XXXX. I just received a response from the credit reporting agency dated XX/XX/XXXX stating that the item is verified. From XX/XX/XXXX to XX/XX/XXXX is 52 days which is a violation of The Fair Credit Reporting Act. This act allows 30 days to conduct a reasonable investigation. This incorrect information on my credit report has caused me to be denied for a home loan. My next option will be seeking remedies for damages. I have presented more than enough evidence that I did not sign a lease agreement with this company. And Transunion continues to ignore the evidence. I have encountered an overwhelming amount of disrespect from this company in regards to this item on my credit file. This company should be embarrassed to call themselves a consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have all info on files being sent
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$940.00} DP OF EDUC XXXX Balance : {$0.00}