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

I have reached out to TRANSUNION LLC concerning fraudulent activity on my consumer profile but have yet to receive a response. I have provided my FTC Report, state ID, Social Security card, proof of address, and a letter detailing the specific items resulting from the fraud. Please ensure a block is placed within four days of receiving this correspondence. The letters will be attached to this complaint, and all documents will be sent via the United States Postal Service. This company is in breach of 15 USC 1681N, and these fraudulent accounts must be removed within four days as stipulated by 15 USC 1681C-2. XXXX Case Number : XXXX REMOVE FROM MY CONSUMER REPORT XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Remove from consumer report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX REMOVE FROM MY CONSUMER REPORT Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached ALL the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ) XXXX XXXX Thank you, XXXX XXXX XXXX
Product: Debt collection

The Fraudulent item was with XXXX mobile provider services. I never had them as a carrier. I have XXXX XXXX However, I noticed on my credit report the fraud and I addressed the item. The item was with XXXX XXXX XXXX. In which I disputed and the item was removed. Therefore, how is XXXX able to then utilize credence resource mgmt collection and have a removed item placed back on my credit. In compliance with the FCRA that's ILLEGAL!!!!!. The item was removed and should not reappear again. So in high insight in compliance with the FCRA I would truly appreciate this account be deleted from my report to never appear again. 

XXXX XXXX Acct # XXXX XXXX ref id # XXXX
Product: Student loan

Good afternoon, My student loans were previously with XXXX XXXX.They were transferred to Nelnet in 2019. 

While with XXXX XXXX, these student loans were consolidated into one repayment account. Nelnet immediately created separate repayment accounts without cause or explanation. 

While with XXXX XXXX, these student loans were repaid based on income. Upon transfer to Nelnet, these student loans have been approved for income-driven repayment. All necessary income information was submitted directly to Nelnet from the IRS via the Federal Student Aid website. Nelnet has illegally driven these loans into forbearance/deferment, and requests for explanation have gone unanswered. 

I have repeatedly requested the following : 1. Loan consolidation ( as per the previous provider ) 2. Income-driven repayment ( These loans have been approved for income-driven repayment for 2019. ) My letters and e-mails to Nelnet have gone unanswered. These loans have been illegally unconsolidated and have been illegally driven into forbearance/deferment. These are not my wishes. 

A student loan attorney has recently been contacted. The attorney has advised me to contact the Consumer Finance Protection Bureau prior to legal recourse. 

Please contact me at your earliest convenience about the best course of action. 

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

In accordance with the Fair Credit Reporting act : : XXXX XXXX INQUIRY DATE XX/XX/2020, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX US DEPT ED acct # XXXX XXXX XXXX US DEPT ED acct # XXXX, XXXX XXXX DEPTEDXXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX, DEPTEDXXXX acct # XXXX FRAUD REMOVE 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, credit repair services, or other personal consumer reports

A & D Mortgage LLC has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized credit inquiries on my credit report due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681c-2 ( a ), I am entitled to have fraudulent inquiries removed from my credit report. 
Unauthorized Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Back in XXXX Chase bank dissolved an IRA account that I had with them and sent the balance to God knows where. They made me travel to USA from XXXX to rectify the problem. At the time my daughter was small and we had family support for me to travel. 
Now comes XXXX about XX/XX/XXXX. Somebody at Chase bank got the notion that my account is being hacked. They requested from me my old addresses which I unfortunately under pressure and personal XXXX XXXX XXXX started at the oldest trying to get to the newest. they didn't like the minor information I gave them and requested 100 % address. I didn't do good. I fumbled. They requested my debit card which I left in XXXX. 
Once I got to XXXX from my vacation I called them back but they still wouldn't give me access. To top it off my debit card was blocked and I cant use it in XXXX. 
They asked me to leave my daughter unable to get out of bed and into her XXXX  and my wife who doesn't speak English in XXXX and travel to USA for an x amount of days to prove who I am. To spend at least XXXX dollars which they wont pay for. Nor will they pay for my mobile phone calls I made from XXXX.
Product: Debt collection

I changed my phone number in XXXX of XXXX. Since that time I have been receiving frequent phone calls from Radius Global looking for who I assume is the previous owner of this number. I have spoken to them on the phone on several occasions stating that I am not the person they are looking for and told them to stop contacting me. They repeatedly call asking to speak to " XXXX ''. I am not XXXX. They have called sometimes several times a day. At XXXX point I again answered and said I am not the correct person and they asked to speak to my spouse instead. 

They have left voicemails stating the next step is court and I can no longer state that I did not know about this debt. Again, after I have told them I am not the correct person. 

On XX/XX/XXXX I sent them a written message through their online portal ( https : //paymentportal.radiusgs.com/contact-us ) telling them to stop contacting me. I do not have a copy of this because their portal does not send a confirmation response. 

The calls have stopped since then until today, XX/XX/XXXX. Radius Global has called me twice. I have the phone log to show this. I again sent them a message on their online portal, this time video recording my submission which I can provide.
Product: Credit card

XX/XX/year> payment of {$370.00} made to my credit card from Bank of America at their ATM. Filed claim they say the cash payment was not found. Again today XXXX XXXX. Cash payment of {$120.00} was made at the same atm. ATM took my money and no receipt again. Payment not showing ATM Id XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed source receivables management multiple times on my credit report. The keep reporting that I have a XXXX  account and I do not. I have requested proof showing the debt was mines and I havent received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. TRANSUNION has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give TRANSUNION written instructions at any time to report. The following XXXX XXXX accounts are being reported on my consumer report without my written consent. The CFPB STRICKLY prohibits this behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on  XXXX / XXXX / XXXX  from  XXXX  Identity Monitoring services that an account had been opened w/ Avant Credit under my SSN and maiden name. I received notification fro m Avant shortly after confirming the credit application had been processed. I promptly contacted Avant Credit and al erted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on  XXXX / XXXX / XXXX . I also contacted the (  XXXX   )  credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from Avant during the period of  XXXX   XXXX   XXXX . I contacted Avant 's compliance department multiple times and provided them with a second copy of the affidavit and police report on  XXXX / XXXX / XXXX  and requested again that they close the account and notify the credit bureaus. I received an email from Avant on  XXXX / XXXX / XXXX  confirming receipt of all documents and stating they would contact  XXXX . I responded on  XXXX / XXXX / XXXX  alerting them to the fact that the delinquent account was shown on my   XXXX   XXXX   XXXX   reports as well and that I expected them to remedy the situation w/ all  XXXX  credit bureaus. I ran my   XXXX   credit report today (  XXXX / XXXX / XXXX  ) and the account is still showing as open and delinquent so I contacted Avant yet again to ask them to close the account on their end and notify   XXXX   as I requested on  XXXX / XXXX / XXXX . Customer s ervice representatives at Avant continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. Avant 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

Here is the transcription of the text from the image you provided : I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : 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: Debt collection

I received phone calls and now letters saying that I owe {$310.00} for a phone loan that I never applied for or received. This is fraud. It is from Debt Recovery Solutions. Last letter received today XXXX saying 50 % off! If I pay {$150.00} the will close my account. this has been going on for about 1 year. 
I have report to credit score company and XXXX that this is fraudulentI never applied nor received a phone loan.
Product: Credit card

Bank of America contacted me regarding suspicious charges on my credit card at XXXX. I informed them it was not me, at which point they issued new cards and said the charges would be refunded. One charge was refunded but the other 2 were not. When I received my statement I called again and they said they would add the other 2 charges to the claim. Another statement came and the charges were still on there. I called AGAIN and was assured it would be handled. Now they are showing me past due. I have impeccable credit. The balance on this account is comprised solely of the fraudulent charges. These 3 charges occurred early XXXX. They have had ample time to resolve this issue.
Product: Credit card

i paid off the card and than charged XXXX on a XXXX balance card on XX/XX/year> they charged XXXX interest on this transaction, on XX/XX/year>
Product: Checking or savings account

A merchant charged my bank account, even they were not supposed to. The merchant agreed to send the money back but they needed communication back from my bank to accept the money so I can get my refund. My bank is refusing to communicate with the merchant and block me getting my money back.
Product: Credit reporting

There is a negative report that I have a collections open. This was for a never received bill from XXXX which I did not get because I moved and it was not forwarded to me by the landlord from XXXX. It went to collections. I paid this immediately when I was informed over 5 years ago. I want this removed. It has been so long I have no record.
Product: Debt collection

I have received a response from my first complaint from southwest collections svc stating they have not contacted me since 2015. I have a saved voicemail from XXXX for the law offices of XXXX XXXX just left less than 60 days ago. There is a judgment but that judgment only last for 7 years. You are not legally allowed to damage my credit by pulling it under false reason of opening a new account which I have provided proof that you have done. Do not contact me since it is passed the legal statute of limitations or I will take further action. In regards to threatening jail or suing, this is what you threatened me with when we first went through the court process. My mom was there when you were being aggressive and unconcerned about what was happening. Stop pulling my credit stating its a new account which is a lie and is not permissible since the limitation to obtain the debt is passed its 7 years.
Product: Checking or savings account

This is from a transcript from XXXX XXXX XXXX XXXX XX/XX/2024 Third Federal Savings and Loan received a call from a call from an XXXX from XXXXXXXX XXXX XXXXXXXX department notifying them of an attempt by a third party to take over XXXX XXXXXXXX XXXX account. XX/XX/XXXX message left to discuss claims by XXXX. I didn't return call. My account was locked. XXXX, I called customer care to request access to my account online. I was told an investigator would call back. I did not return call. XX/XX/XXXX I called customer care to get access to my account online. I was transferred to Third Federal 's investigator. I told her I was unaware of any online activity on my account. She seemed to think it was strange I answered questions by saying '' I didn't know. '' She told me there were incoming transfers from XXXX into Third Federal checking account and various external transfers out of the account to an account titled with XXXX XXXX name at another financial institution, I still don't know what this account is and what institution it is at. She said the XXXX transfers would be returned to XXXX. I have not heard anything form XXXX and I don't know what their role was in this situation. XX/XX/XXXX I got a letter from Third federal that my account was closed and the " funds '' were returned to XXXX. I lost {$11000.00}. i don't understand how I was held responsible for what happened. I didn't do anything at all. Third Federal seems to think it was my fault. This was an account hadn't used for a long while. I still don't know exactly what happened. If she had told me straight out at the very beginning I would have responded better. I still don't understand how this is legal and I am being held liable. I put my in a bank and thought it was safe. Now I have lost my money because some hackers did something. This isn't right!
Product: Credit reporting 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 USC 1681.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$260.00} INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/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 XXXXXX/XX/XXXX
Product: Student loan

I reached an agreement with NAVIENT and madepayment arrangements. I have FULLY compliedand paid as agreed for many years now. However, they continue to report me as making late payments. 
This is negatively affecting my credit. Because I ampunctually paying as agreed, I believe I should NOTbe reported NEGATIVELY on my credit reports. 
My school was XXXX XXXX University XXXX. XXXX, FL
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed and paid as agreed. Due to COVID-19 pandemic I was adversely affected due to the XXXX industry coming to a complete halt. I spoke with AMEX regarding correcting or removing the 30 day late and was assured that AMEX would not report a late on my credit if my account was paid in full. The account was paid in full and closed.
Product: Mortgage

I submitted a HELOC payment of {$800.00} via ACH in XX/XX/2023. XXXX sent me a letter saying that I was delinquent in my payment. The payment was not and has not been applied to my balance. I had the bank that sent the ACH ( PNC ) verify that it was sent and accepted by XXXX bank. I worked with telephone customer service, HELOC customer service, and even went to the branch to explain and show all of the documentation. I have sent all documentation showing the payment on multiple occasions but they will not respond to me. I have no where else to go as it has been over 4 months of me trying to resolve this.