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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Against XXXX, TransUnion, and XXXX for Violations of FCRA and Inaccurate Reporting To Whom It May Concern, I am submitting this formal complaint against XXXX, TransUnion, and XXXX for their failure to maintain accurate consumer reporting in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. Despite my repeated disputes, these credit bureaus continue to report inaccurate and fraudulent accounts linked to my identity, causing financial harm and distress.

As a documented victim of identity theft and a data breach, fraudulent accounts were opened in my name without my consent. The following accounts, with their respective opening dates, remain inaccurately reported despite my disputes : Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Collection accounts opened XX/XX/XXXX, and XX/XX/XXXX Additionally, the following inaccuracies appear on my TransUnion report as of XX/XX/XXXX : Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Opened XX/XX/XXXX Under 15 U.S.C. 1681i, the credit bureaus are required to conduct a proper reinvestigation of disputed information and remove inaccurate or unverifiable data. Despite providing evidence of identity theft and requesting removal, they have failed to comply, continuing to report these fraudulent accounts. This negligence negatively impacts my creditworthiness and financial well-being. 

I am requesting immediate corrective action, including the removal of all inaccurate and fraudulent accounts from my credit reports. I also seek a thorough investigation into these violations and enforcement of FCRA compliance. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Student loan

I took out student loans with XXXX XXXX financial to help cover my college tuition. 
The loans were later converted to Navient. After repaying on the loans for over XXXX years I saved enough to pay off the account. In order to ensure that the payment was handled properly I called their customer support line and their agent informed me of the payoff amount as of that day and that it could take up to XXXX days for the account to show paid in full. I made the payment at that time per their instructions for the posted amount. 
After XXXX days I have now been informed that they will not show the account as paid in full for up to another XXXX days for the account to show as paid in full. Please note, they changed the terms of their agreement XXXX days after the payment was posted and now claim they have up to XXXX days to show an account as paid in full. 
The loans in question were for XXXX University and the University XXXX.
Product: Checking or savings account

I have a bank called current. Current.com is their website. Login for the app is down, and there is no online banking information. I am currently locked out and so is everybody else because its currently down and having an outage. BANKS SHOULD NOT HAVE OUTAGES. I AM CURRENTLY STARVING AND CAN NOT USE MY OWN MONEY THAT I ENTRUSTED CURRENT WITH. I AM CURRENTLY LOCKED OUT, STRESSED, AND I NEED TO EAT. I TAKE CARE OF MYSELF AND OTHER PEOPLE. ALL MY MONEY IS ON CURRENT. THIS IS A HUGE RISK AND CAN LEAD TO HEALTH ISSUES.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a letter from my Health Insurance Company XXXX who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection/charge-off of {$1200.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. This inaccurate reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX bought a charged off account from ALLY CREDIT CARD and contacted me and offered me to " pay to delete '' the account. I paid it and the account was never deleted, XXXX XXXX XXXX stated that ALLY CREDIT CARD did not update the information with XXXX Credit Bureau and so they do not have the ownership necessary to delete it, the previous owner of the account ALLY CREDIT CARD stated that there is nothing they can do about it. 
XXXX XXXX XXXX provided me a letter stating that the debit is pad and the account should be deleted. 
I submitted this letter to the XXXX credit bureau and they deleted the account in two days. 
Please find the letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified equifax of three unknown accounts on my report about 2 months ago. The sent an email response that said the investigation was complete about a week later and asked me to go to their website to check it out. I can not get into their site anymore. It asks security questions I have no idea what the answers could be, about addresses and car loan and such. As far as I can tell by using XXXX XXXX, they ignored my problem because the three erroneous accounts are still showing and then they locked me out of their website. These accounts appear to be for medical bills in a state where I have never lived for things I have no problem with ... XXXX  ...
Product: Money transfer, virtual currency, or money service

Used Western Union to transfer money they sent me a email stating the money transfer is ready to then turn around and stop payment I then called them to discuss this action and multiple csr were uneducated about their practices I asked for. a manager miss XXXX and she told me very vaguely they stop due compliance my bank statements prove that the money is been taken out and not refunded and their confirmation email stating the transfer is ready for pick up Contradicting the whole process manipulated by them while holding my money and this may not be the only issue within the company
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

The following account are affected : ( 1 ) CREDITOR : XXXX LOAN TYPE : PERSONAL LOAN ACCT XXXX XXXX XXXX ( XXXX ) CREDITOR : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LOAN ACCT # XXXX ** The account with XXXXXXXX XXXX XXXX is in collection being serviced by XXXX XXXX XXXX  I did not receive any written notice as required by 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ). Which states that the consumer is to be notified within 3 business days by mail that my credit was being reviewed. 

Please block and remove the above accounts from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Product: Checking or savings account

I opened an account with XXXX roughly three weeks ago. I then deposited a paycheck for roughly {$2600.00}, from my employer as well as a direct deposit payment of roughly {$1300.00} from the same employer. They restricted the account, eventually suspending it, then closing it, this is after countless calls each ending with them not able to verify the check, even with the phone number provided on the check, as well as 7 other phone numbers, including the personal phone number and signer of the check XXXX XXXX XXXX. Initially they said they were able to verify it and spoke directly to the accounting department for the company which is named XXXX XXXX XXXX, located in XXXX XXXX, California. This was through a 40 year old phone number which has always been connected with the company, but they said they could not use it the next time I called and continued to withhold the funds. They then closed the account, and said the only way for the funds to be released is if a phone number I provide comes up as verified within their person verification tool, which seems to have limited if any information about actual phone numbers. I escalated several steps up, as well as had the CFO of the company on the phone with me to better understand whats going on. Its 6 weeks of my pay, and am without much needed finances due to this. I read online its a common issue and to file a complaint with this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that I am a victim of identity theft, I have reviewed my consumer report through XXXX and noticed there are companies I am not familiar with, reporting information to my consumer report which I am requesting to be blocked, as I am not responsible for this account. I will be providing all of the required documents to ensure this block can be executed immediately. 
The Accounts I am requested to be blocked are : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt.  TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

- [ ] in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XX/XX/year> Subject : Notice of Dispute Pursuant to 15 U.S.C. 1681n ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681n. The inaccurate or incomplete information listed below is causing harm to my credit score and, consequently, my financial standing. Please treat this as a formal dispute. 
Item ( s ) in Dispute : XXXX. Account Name XXXX XXXX  Account Number : XXXX I request that you investigate the validity of the disputed information. If it is found to be inaccurate or incomplete, I ask that you DELETE it from my credit report in accordance with the FCRA. 
As provided under 15 U.S.C. 1681n, I am aware that you are required to perform a reasonable investigation of the dispute and respond within 30 days of receiving this notice. If you do not resolve this dispute in my favor, I reserve the right to pursue further legal action, including but not limited to filing a claim for damages due to any willful or negligent noncompliance with the FCRA.

Please confirm receipt of this dispute and inform me in writing of the results of your investigation. 

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

My mortgage company, XXXX XXXX, sold my mortgage to their sub servicer company, LoanCare. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A XXXX XXXX  representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX  and XXXX  as those reflect the 15 point reduction. XXXX  hasn't updated this yet.
Product: Mortgage

Prior to 2014 my mortgage was handled by XXXX XXXX formerly XXXX XXXX XXXX .My note was coming out of my social security check every third Wednesday. Unknown to me XXXX transferred my note to XXXX who stated I was in default for the XX/XX/XXXX and XX/XX/XXXX. I disputed the default and sent information to XXXX showing the amount that was paid. XXXX did not post both payments until XX/XX/XXXX.XXXX transferred my not to BAYVIEW Servicing and my payments went from {$360.00} to {$510.00}. My check is {$1000.00} of which I have to pay life insurance on my XXXX greatgrandchildren and myself, light, gas and water. I have tried to resolve this matter to no avail. Now I 'm threaten with a bill of {$1000.00} by XXXX XXXX or face forclousure. All information requested by XXXX was sent including bank statements .XXXX is no longer in the XXXX area I do n't know what happened to the money that was coming out of my check but i would like to know. Any advice will be greatly appreciated.This loan was supposed to end in 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus on several occasions and I have yet to receive a response on these items in question that I submitted for investigation. Can you please assist me here. As a consumer I have the right to submit disputes and they are supposed to by law investigate them within 30 to 45 days and it has been 5 months top with absolutely nothing at all from any of them. Please help me. 

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

Consider this complaint as a follow-up to my previous attempt dated XX/XX/XXXX, to make sure that these items are deleted ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$84.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Purchased in excess of {$1000.00} in various Cryptocurrency via www.CoinBase.com between XXXX and XXXX. 

Upon attempting to withdraw funds in XX/XX/XXXX, account was locked and access to funds was revoked. Completely unable to access account funds, or close account. 

Attempts to contact support and their legal teams have produced no results. Funds have been locked in excess of 2 months without resolution. Completely unable to access my account wallets.
Product: Credit reporting or other personal consumer reports

I started the process of repairing my credit as it is important to me. I settled and closed the accounts that were listed on all 3 credit reports. I also disputed any inaccurate information on all 3 credit reports. I followed all instruction given to me by all 3 credit bureaus. I called all 3 credit bureaus to confirm that all information and payments were received, they sent me letters confirming that the paid/settled accounts were closed. I lowered the balance on all active credits cards and made sure they were all in good standing. I also registered with XXXX XXXX to make sure I monitor my credit report daily as instructed to do so. However, there has been XXXX change in my credit score, all 3 credit bureaus are providing completely different information as well as XXXX XXXX 
Example : Transunion site is stating my credit score is XXXX XXXX XXXX site is saying my transunion credit score is XXXX. I pay a monthly fee to monitor these 3 reports and I feel like no matter what I do or what instruction I follow or what monthly fee I pay, I am being scammed because I have yet to see any significant changes in my credit report & score. I am being given the run around and non of my questions answered, and if I want " more access '' its a different fee added. Now that I am complaining to them, all of a sudden I have no access to my accounts. This is exhausting and discouraging. I am trying to make things right with my credit and I am getting no where. I truly need assistance with this matter as I feel I am being scammed by all 3 credit bureaus and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Domestic violence survivor. I had a restraining order and still do. They were aware of me being harrassed daily and assaulted on the property. Neighbors also made them aware. Everyone was. Scared! Feared for my life and I expressed that to them. Also overcharged when they tore down to remodel lived here 10 years company reported an inaccuracy that shouldnt be on credit report lease needed to be broke without penalties. For safety reasons dates of lease inaccurate move in XX/XX/XXXX moved out XX/XX/XXXX! Please remove and or correct the price so that the courts dont have to get involved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account XXXX has Violated My Rights Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 

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

I have been dealing with Experian credit bureau concerning a bankruptcy they are reporting since XXXX 2017. I have went back and forth with this company concerning this entry and they have done nothing to help me or remove this inaccurate entry. They have not showed me or verifyed any proof this is my debt. I am sending documents to help with my case because they are breaking the law in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute number XXXX was not addressed. Equifax did not verify the inquires. The inquiries are not factual. Equifax did not contact the creditors regarding the unauthorized inquires. I DO NOT WANT ANOTHER PREMADE LETTER STATING THE INQUIRIES ARE FACTUAL. The creditors have already told me they was not contacted by Equifax nor do they have any applications in there system under my personal information. CPFB is supposed to be the mediator to make sure these credit reporting agencies are following the laws. This is bogus and the unauthorized inquiries need to removed immediately!
Product: Vehicle loan or lease

Yes I've been trying too get another car exstention on loan. Due too hardship. I'm XXXX XXXX XXXX living paycheck too paycheck. Trying too make ends meet. Been diagnosed with XXXX. Also on SSDI. Now ally bank. Every time I call them for another car exstention. I get the run around. They run my information into some bot. Computer. Get denied. Only asking for 1more month. Trying too avoid putting car into XXXX XXXXbanktupsy. Wana try work with them too avoid XXXX XXXX. Know body wins in the end with XXXX XXXX. Wana work with them. Also please have a top Manager get back too me. Don't want same old person on my case getting back too me. This same old guy is pathetic also my landlord raised my rent too
Product: Credit reporting

This is a complaint pertaining to a background check completed by my employer. The company Checkr , Inc is reporting false information - none of the items listed belong to me. 
I contacted them for proof and they were unable to provide.
Product: Checking or savings account

Starting the week of XX/XX/2024, I tried to check on all my bank accounts as I always do at least weekly. I was unable to sign in to my online Synchrony Bank Accounts that I have had in place for at least XXXX years ( some ). Any other websites or accounts I was able to sign in fine as usual. Of course I tried many times. 
I have had numerous phone calls, including today, with various representatives in different departments of Synchrony Bank, with no information available and no solution in sight. 
I spoke with a representative in the IRA Department this morning, XXXX, and he has no information, as well. He advised me he will 'contact ' the tech department and try to get an update on the problem The bank has admitted that there are several customers dealing with this issue. Of course, every employee you speak with has different or no information. Customer Service has been dwindling lower and lower over the past year, which makes this situation even more concerning. 
All they do is say, I'm sorry, we're working on it. I am unable to access my XXXX IRA accounts, and a savings account, and a XXXX account. It is now XX/XX/2024, and I have not been able to sign in and/or access my funds since XX/XX/2024. This is unacceptable, of course, and no explanation or remedy has been provided.
Product: Credit reporting or other personal consumer reports

My personal information has been involved in XXXX data breaches involving XXXX & Equifax. 
I am demanding the following Fraudulent accounts be Blocked or Deleted from my credit file due to Identity Theft pursuant to FCRA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX These accounts DO NOT belong to me & I gave NO permission to anyone to use my personal information without my consent or knowledge.
Product: Credit reporting

I disputed with Transunion around XX/XX/XXXX, about an account with XXXX XXXX stating that the insurance company paid them late, not me XX/XX/XXXX. Which made that account 30 days late. 
But not only was my dispute rejected from XXXX XXXX according to Transunion, they deleted a perfectly good Tradeline from my Transunion report, which lowered my score by XXXX points. It was XXXX XXXX XXXX XXXX a credit card that was deleted. I never disputed this account. 
So I called XXXX XXXX XXXX XXXX to see if a dispute was presented to them in error. 
And XXXX said " no dispute was ever sent to our company From Transunion ". 
So, I think that Transunion did this on purpose. Or error. Which ever one, I need to know.
Product: Debt collection

Under Investigation of the New Mexico XXXX XXXX, the State has Frauded, Scamed and Made Theft of, a XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX