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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I received a letter from Credit Corp Solutions about an alleged debt without a notice to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX did not do an proper investigation into what I reguested and stated they done a reinvention to these accounts I mail a certified letter to them on XXXX XXXX  and also they didnt notify within 5 day.tracking # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATA MAX-FRAUD DATE XXXX {$860.00} XXXX XXXX-FRAUD- XXXX {$590.00} XXXX XXXX XXXX-FRAUD-XX/XX/XXXX- {$250.00} XXXX XXXX-FRAUD-XX/XX/XXXX- $ XXXX ALL OF THESE ACCTS WERE OPENDED FRAUDULENTLY AND ARE BEING REPORTED ON MY CREDIT. I HAVE LIVED AT MY RESIDENCE FOR OVER 10 YEARS. I HAVE FILED AND IDENTITY THEFT REPORT WITH THE LOCAL POLICE DEPARTMENT, I HAVE ALSO FILED A REPORT WITH THE FTC
Product: Money transfer, virtual currency, or money service

I had a balance of roughly XXXX and XXXX of it got took for some type of fees and unauthorized charges. I requested for a phone number and an agent and didnt get either one.
Product: Credit reporting or other personal consumer reports

one main financial shows hard inquires on credit report that are not authorized. these are the dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally file a complaint against TransUnion for their continued failure to block fraudulent information from my credit report, despite my submission of multiple identity theft block requests. This ongoing issue has caused significant distress and inconvenience, as TransUnion has consistently denied my requests even though I have provided all the required information as mandated by the Fair Credit Reporting Act ( FCRA ). 

Details of My Complaint 1. Proof of Identity Theft : I have submitted the following documentation to TransUnion : Proof of identity, including copies of my drivers license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX for the past two years. 
A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
2. Denied Requests : Despite providing the above documents, TransUnion has denied my requests to block fraudulent information. Instead, they have treated my block requests as disputes and returned them as verified without any context or proof that the debts belong to me. 
3. Improper Verification Process : TransUnion has failed to conduct proper investigations. For instance, certain accounts listed on my report were verified by TransUnion, even though the respective creditors had already confirmed with me that they requested the information to be removed. It has taken several resubmissions by the creditors for TransUnion to finally remove the information, which is not in accordance with the law. 

Accounts in Question The fraudulent accounts that need to be blocked are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) TransUnions actions violate several provisions of the FCRA, including but not limited to : 1. Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

2. Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information. 
XXXX. Section XXXX ( XXXX XXXX XXXX XXXX ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 

Request for XXXX XXXX I respectfully request that TransUnion : XXXX. XXXX all fraudulent information from my credit report as required by law. 
2. Provide written confirmation that the fraudulent accounts have been blocked. 
3. Cease any further reporting of these fraudulent accounts to all credit reporting agencies.

I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against TransUnion to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested an update to my information on the credit report, but so far, I have not received a response. I have sent the requested documents, but I haven't received any replies. I only have an ITIN number, and I received two reports, one of which has no SSN information, and the other includes an SSN that does not belong to me. My ITIN is XXXX. I have attached all of my information.
Product: Mortgage

We are currently trying to refinance our current mortgage to XXXX from Ocwen. We had a loan modification with Ocwen XXXX. We are not late with payments or in foreclosure. We started the process for refinance over XXXX weeks ago with Cash Call. Ocwen will NOT provide the pay off to XXXX. They have been harassing me, stating they need various " bogus '' things. XXXX requested the payoff, but they call and harass me! An example of their misdeeds ... I spoke with them XXXX XXXX at XXXX very upset because they had not sent the pay off to XXXX. The agent told me after she spoke to her " supervisor '' that they DID indeed have a copy of that appraisal and the pay off would be sent to XXXX XXXX within 3 days. Come to find out someone at Ocwen cancelled the request for pay off the evening of XXXX XXXX, because they " could n't reach me to get authorization for the pay off ''. I had just spoke with them the day before! They assigned me to XXXX XXXX XXXX XXXX XXXX XXXX X XXXX. They keep with these types of games. An appraisal was done within the past 6 weeks. They are trying to make me pay for another appraisal by THEIR company. I have sent color copies of the appraisal and XXXX has ALSO sent color copies of the appraisal. I have just received another call from an appraiser from Ocwen today. They are breaking the law by withholding the payoff to XXXX XXXX. We have a right to refinance. They have all the documentation they need and are still playing games and breaking the law. We want our pay off to XXXX XXXX ASAP and litigation brought to Ocwen for their continued misdeeds and breaking the law.
Product: Student loan

I defaulted on my student loan and completed the loan rehabilitation process. On XX/XX/XXXX I logged into my account to see if there was a statement so I can start paying off the loan. I realized it said that the whole loan amount was due. I immediately called UAS and was told that they would reach out to a representative to inquire about a payment plan and to call back in a week if I havent received anything. I didnt hear back so I called back on XX/XX/XXXX to follow up and I was told that the representative still hadnt gotten back to them. I stated that I want to be on a payment plant because I do not want to default again. I was told that the only way to get on a payment plan was to fill out a financial hardship form which I submitted today XX/XX/XXXX, however my account is showing late charges and I have tried calling and am just on hold and am unable to speak with anyone.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me XXXX. Then they called and said because they noticed I was a federal employee that they would immediately garnish my wages because of the court order and make me look bad to my new job. 

The debt is long past collections limits.
Product: Debt collection

XXXX XXXX has a charge on my ( 3 ) Credit Report for {$3600.00} for a Credit Card debt. I never had a XXXX XXXX Credit Card. 
In XX/XX/XXXX this account was open ... In XX/XX/XXXX it was removed. 
In XX/XX/XXXX. XXXX it again report on my credit report as me opening it. 
Then it was reported to XX/XX/XXXX it was reported on my credit reports. 

The reference number under Cach Llc/Resurgent Cap is XXXX Balance {$3600.00} Original Creditor : Not Available COLLECTIONS XXXX ( XXXX XXXX XXXX XXXX ) Act. # XXXX Opened XXXX Reported Closed Condition
Product: Credit reporting

I have lived at the same address for 19 years. There are XXXX more addresses listed which i have never seen before. I have never lived in the XXXX area or suburbs. Someone seems to be using my name and/or soc to open XXXX and XXXX accounts again. I went through this same thing about 5 years back and it seems to have resurfaced somehow. I need to clear this up and need some guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax have violated Federal Consumer law.

1. Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting. Reporting inaccurate, erroneous, fraudulent information on my consumer report after given the correct information constitutes your willingness and negligence in breaking the law.

2. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft They have investigated and deleted in the past and reinserted without notice a violation and deletion is admission of error.

3. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance.

Consumer reporting agencies have the vital and grave role solely report infact they must correct or delete any and all inaccurate, incomplete, fraudulent or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681c-2 Block of information resulting form Identity theft within 4 calendar days and the above CRA 's are in thorough violation of that and I am seeking damages due to defamation of character liable and denial of credit due to their negligence and willful noncompliance with the below evidence that is attached below.

The Credit Reporting agencies provide dark web monitoring services and are privy to the personal data and account information that have been compromised by thieves however remained willfully noncompliant in removal of the fraud without cause, causing severe emotional and physical distress loss of creditability, creditworthiness an inability to extend credit and multiple counts of violations pursuant to 15 USC 1692 ( e ) ( F ) in which I am demanding immediate restitution from each individual Consumer Reporting Agency in addition seeking immediate removal and permanent correction of all the fraudulent, late and erroneous data that they have continuously been reporting despite verifiable evidence of otherwise and that as the consumer the transactions where not consented by my authority and therefore they have no permissible purpose in reporting any debt that I the original creditor have not validated as Pursuant to 15USC1692h.
Product: Credit card or prepaid card

Subject - Citi XXXX Preferred Card Per telephone call on XX/XX/2020 - I called company to inform them if i could get a reduced interest rate due to excessive medical expenses due to XXXX XXXX XXXX, and XXXX related medical cost, as i am a senior citizen on a fixed income. I definitely want to repay my debt just wanted some assistance with a interest rate reduction so i can get a handle on the balance owned on this card. 
I could get no assistance on this, and everything was no, with really no explanation.
Product: Debt collection

Ally Financial has contacted family, friends, and co/workers sharing personal information in regards to personal business. 
Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. Has neglected to correct my personal information. Ally Financial has contacted family, friends, and co/workers sharing personal information in regards to personal business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter on XX/XX/2020 in regards to inaccurate and unknown things on my credit report. I disputed this account with all 3 bureaus and it was DELETED from XX/XX/XXXXbecause they could not validate the information reported. So how is it that Experian and XX/XX/XXXXcan validate it, if all the information reported is supposed to be the same for all the bureaus? THIS IS A VIOLATION! My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the hands of the wrong person. As well as another data breach. And please don't come back saying this is not me because it is IN FACT ME XXXX XXXX. This has been going on for way too long! : - (
Product: Checking or savings account

My account was breach someone was using it Florida my account was overdraft multiple times from other people using it and wasn't authorized had close one account and open another
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. Identity Theft XXXX XXXX  Account Number : XXXX Delete this account. 6. Identity Theft XXXX Account Number : XXXX Delete this account. 7. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 8. Identity Theft XXXX Account Number : XXXX Delete this account. 9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 11. Identity Theft XXXX Account Number : XXXX Delete this account. 12. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Delete this account. 13. Identity Theft XXXX  Account Number : XXXX Delete this account. XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. Identity Theft XXXX Account Number : XXXX Delete this account. 16. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 17. Identity Theft XXXX XXXX  Account Number : XXXX Delete this account. 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I'm on the SAVE plan. My student loans are handled by Mohela, and they are currently using the wrong calculation for payment amount. My monthly payment should be around {$300.00}, but they are placing it at {$450.00}. I've triple checked the calculations, and they are unquestionably demanding too high a payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints and disputes with XXXX XXXX and EQUIFAX regarding them disclosing without my consent my non public information and I have disputed certain accounts because there is no contract between myself and certain companies that are showing on my consumer report. I have asked that they stop disclosing my non public information as I have told them I DO NOT CONSENT and they continue to report they are also attempting to disclose more of my information to these third party companies by trying to match up addresses telephones number and inaccurate names that are appearing on my consumer report and giving this information to these companies that I have no agreements with in order to keep the accounts on my report. XXXX EQUIFAX and XXXX are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. Furthermore XXXX EQUIFAX and XXXX are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and that being reported on my report is another violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. In fact all debts are XXXX according to the indenture agreement that these companies filed with the XXXX XXXX. I will reiterate that I DO NOT CONSENT to income being reported to my consumer report nor do I consent to XXXX XXXX and EQUIFAX disclosing more of my information to try and help the companies reporting on my consumer report to match up addresses telephone numbers and names instead of doing proper investigations into my dispute they are simply just updating the accounts improperly using immoral and unfair tactics to ruin my ability to obtain credit which is a violation of my right to credit.
Product: Credit reporting or other personal consumer reports

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 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX violated my rights. i looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalif, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

We are attempting to close my XXXX XXXX  Account with Optum Bank and have taken all appropriate steps to transfer all funds ( over {$87000.00} ) to my new XXXX  XXXX  Account at another institution ( XXXX Bank ). The process required sale of investments ( mutual funds/ETFs ) in an associated Health Savings Brokerage Account ( at XXXX XXXX XXXX and tranfer of the proceeds of back to Optum Bank XXXX That step was accomplished weeks ago. Also accomplished was our submitting a transfer/rollover form directing Optum to send all funds to XXXX XXXX  . The funds have been sitting in Optum Bank, uninvested and earning no return for weeks and Optum can not seem to explain why the process is taking so long. We have gotten conflicting information from Optum, both verbally in recorded telephone calls, and in messages through Optum 's online portal, as to what is happening. We are extremely frustrated at the slow pace of this process and every day that Optum holds this money without transferring it to XXXX XXXX is a day we are losing money until the funds land in XXXX XXXX  and the funds can be re-invested.