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

As per the completed complaint XXXX Affirm Inc took my full pay off amount for all my loans in XX/XX/2024 by cashing the check I had sent to them. They proceeded to lose my deposited check and sat on my money for 4 months while marking my loans as delinquent. XXXX is refusing to remove the delinquency status from my credit report. The loans are all paid off now ahead of time as Affirm finally found my check as they admitted in my previous complaint. I should not have been expected to essentially double pay the loans I had with Affirm especially after I sent them a {$5000.00} check.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX CARD Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX IN XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX XXXXXXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have  either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$610.00} 8.  XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) Dept of EDXXXX  {$31000.00}
Product: Credit reporting or other personal consumer reports

I wanted to view XXXX  Transunion credit report but you are required to buy a membership to view the full report. the website states you can cancel anytime but when you try to cancel there is no place to do so. I contacted a customer service representative who said I could cancel it online within the account but could not show me where to do so. He then said that her would cancel it and send me the cancellation to my email. we talked for over XXXX minutes and I kept advising them that it was never received and kept requesting proof. eventually he just ended the chat discussion without providing the proof of cancellation letter. when I log in to remove my information I can not. it will only allow you to put in a different card and I believe this is because they want to keep charging my card against my wishes.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I reviewed my credit report with Experian and disputed things that was not mine. I stated fair debt collection practices Act 15 U.S.C 1692 eq seq. And the claims against my credit report is unfair and not legal due to the act. Now I want my civil rights to be enforced due to this act mentioned. If the companies isn't authorized to use the XXXX credit reports take them off my credit reports. Disallow all third parties credit reporting against my credit report. They are profit for any out dated information they can come up with. XXXX XXXX is one of the companies that keep reporting against my credit report. I noticed cfpb has filed a lawsuit against this company and I am due damages from this company for the total of {$900000.00} please see to it that I receive the funds for my damages.
Product: Checking or savings account

I have not used my wellsfargo account for awhile to save the money. However, XX/XX/XXXX, I received an email my account reached XXXX XXXX. I was surprised and logged in and saw fraud transactions under merchant name XXXX. The merchant took out {$22000.00} from my checking account! I have never used that merchant and called the company right away and called the wellsfargo to stop my account. However, I received an update from wellsfargo fraud department saying the charges were valid. I was shocked! How is that valid when I did not used my wellsfargo account for awhile and money was gone without my consent. Please reimburse my fund, I need that money for my start up business.
Product: Mortgage

I have a FHA mortgage with Midland Mortgage. My previous employer went out of business in XX/XX/2021, and I received an unemployment forbearance. After that, I found new employment and applied for and received a COVID Partial Claim. So far so good. 

I have made all payments since the partial claim before due date and without incident. 

However, the credit report reads a 90 day delinquency for XXXX through XX/XX/2021. As the attached guidance shows, the mortgage company should not report a delinquency for those three months, and in addition, the unemployment forbearance payments were all timely made. Therefore all months from XX/XX/2021 to date should show timely. 

This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy inaccuracies on my credit report numerous times from Equifax and XXXX. And the results remain the same as verified from XXXX XXXX. So I contacted XXXX and requested my public consumer report and there is no bankruptcy on there. I even called XXXX and they confirmed this as well. My question is ; if reporting is done monthly, and there's nothing on my report from XXXX how is that fair in verification? This is hurting my credit and needs to be removed. It is not valid. Furthermore, bankruptcy does not report to credit bureaus and XXXX doesn't have a bankruptcy on my file. Where is this validation coming from. The XXXX bureaus will not remove this. This should be illegal, or some sort of violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : # XXXX XXXX XXXX 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 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: Debt collection

XXXX from XXXX ID # XXXX XXXX keeps calling to collect a debt that does not exist.
Product: Mortgage

We filed a bankruptcy which was discharged more than 10 years ago. Loan Care is reporting my loan in violation of the fair credit reporting act. I have disputed the loan and as of today one of the bureaus have deleted the trade, but the other two are still reporting negatively ( due to the forbearance ). When I call the number, I get in a loop that I was on hold for 45 minutes and gave up. Today I attempted to call again and reached a representative in Cust Serv that assisted me with several questions. They were not able to assist with the bankruptcy issue, so I asked to be transferred to the Bankruptcy Department so they can correct my account. The person I was transferred to was VERY RUDE. She said it was reporting my loan accurately, which it was not. I requested that she correct the incorrect information or I would file a complaint and SHE HUNG UP ON ME! I called again and spoke with XXXX in XXXX XXXX office and she helped me with my payment issue. She was Amazing and a wonderful customer service representative. I will work with the credit bureaus to get the credit fixed and if Loan Care refuses to correct the erroneous reporting ( bankruptcy greater than 10 years old ), I will seek Legal Counsel. I'm very angry that the girl in the Bankruptcy Department that I was transferred to hung up on me when I asked for her to correct the error. I did not swear at her and they can review the call, as I'm sure their lines are recorded.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX  XXXX XXXXXXXX Shows up on XXXX  XXXX  and XXXX Ask them to send me a copy of the information reporting and have yet to do so it's been a bout 3x I have requested it
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the lack of response and ongoing negligence shown by Trans Union in resolving discrepancies in my credit report. Despite my numerous attempts to rectify the situation, it has become evident that my concerns have been disregarded thus far. 

I have recently received a copy of my credit report. I discovered multiple errors in the personal identifiers section. These inaccuracies pose a significant threat to my identity and could potentially cause severe consequences if left unaddressed. 

Furthermore, I need to highlight the incorrect reporting of my Name and address. 

In addition, I strongly insist on the immediate elimination of any employers and phone numbers incorrectly associated with my credit report. I do not provide consent for any unverified or potentially outdated information about myself to be retained or reported. 

I understand that it is the responsibility of Trans Union to ensure the accuracy of the information provided to lenders and other stakeholders. The erroneous data currently present in my credit report is not only diminishing my financial opportunities but is also negatively impacting my chances of securing my financial freedom. 

I have attempted to address these concerns through various communication channels, including letters, phone calls, and online submissions, but Trans Union has failed to respond to any of my inquiries. This unresponsiveness has left me feeling ashamed, embarrassed, and frustrated, as I am unable to rectify these inaccuracies promptly. 

As a responsible consumer, it is my duty to bring this matter to your attention as the competent authority within Trans Union. I kindly request your immediate intervention to ensure the verification and removal of all the inaccuracies mentioned above within the shortest possible time frame. 

Please understand that time is of the essence in resolving these issues. I urge you to take immediate action to correct my credit report so that I can regain control over my financial standing.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by ForexXXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I had concerns because I was impacted by Equifax data breach, I'm positive this is a violation of my consumer rights
Product: Credit reporting or other personal consumer reports

I was stunned to see incorrect accounts listed on my credit report tonight, and I cant figure out why. I regularly check my report, and there have never been any issues beforethis just came out of nowhere. I even tried refreshing my browser in hopes it was just a glitch, but the inaccurate accounts remained. I am now asking for the documents I submitted to be carefully reviewed so I wont have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Experian my written consent to do so. Experian is in violation of the USC LAWS listed below. 

Experian, please send me a copy of my letter that I handwritten and gave you my permission to report these items. 


Attached is photos of the accounts that has been reported without my WRITTEN consent. 

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )
Product: Credit reporting or other personal consumer reports

Recently found out my personal data was leaked in a breach. There were multiple accounts on my report that I dont recognize. On XX/XX/XXXX a XXXX XXXX XXXX bank was reported with a {$690.00} balance. On XX/XX/XXXX XXXX XXXX reported on my report with a {$8000.00} balance. On XX/XX/XXXX a Collection Account by XXXX XXXX A was opened with a {$830.00} balance. To make matters worse on XX/XX/XXXX 2 accounts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were opened and reported with an insane {$23000.00} balance. These debt are not mine and i have made claims about accounts before because I have been a victim of this in the past.
Product: Credit card

I have a TD bank credit card that is I used for many years and I was racking up points on that Card. However recently when I used it, it wouldn't work so I tried calling them and accessing it online and was told that my card was shut down on XX/XX/2023 but I never received a letter in the mail or any email letting me know my account was shut down. They also took away all my points and said that they gave me 100 days to redeem them but I was never notified that my account was closed so I didn't know about the 100 days. Now they wont give me cash back on all the points I had over the years and they also won't help me get anything back. I called and some employees are saying you should've got a check in the mail automatically after closure of the account, while others are saying we don't send a check unless you redeem the points. This is unethical business practices. The employees at TD don't know about their own rules and credit card agreement 's but they expect the customer to know them. They also are not notifying their customers on such an important matter which is really unfair. I have been with TD for over 10 years, I also run all my business checking accounts, and personal accounts through them. I will be switching to a new bank soon.
Product: Credit card or prepaid card

I have XXXX retail credit cards through Comenity Bank. For the last several weeks, I have been unable to login to my account. I cant view my statement, my payment that is due, my account information, or anything else. It says to call for assistance at the website screen, but when I call, the associates say their system is down and they cant access any of my information. They say that I should call back in a few hours. This has been ongoing for weeks now. I need my account information as I am consolidating these debts with a loan from another bank and they cant pay these off without my account information. This is extremely infuriating and Ive never experienced anything so awful in my life in terms of my finances and personal information.
Product: Credit reporting or other personal consumer reports

I asked Transunion to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Transunion has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide resolving the inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

I rented an apartment at XXXXXXXX XXXX on XXXX in XXXX, FL between XX/XX/XXXX - XX/XX/XXXX. During this time, I attempted to sublease my apartment. I had another tenant ready to take the lease with all documents signed, but failed to pick up the keys due to Covid 19. When I paid my last month through the online renter portal, my rent amount wasn't prorated, but I paid the full amount in good faith and was told by XXXXXXXX XXXX the excess amount of {$510.00} would be returned. After moving out, I was informed there was a claim on my security deposit due to not giving a sufficient notice to vacate, even though a deposit wasn't required upon move in, and the overpayment of rent was going to be used for that claim instead of being returned to me as promised. I did not pay the amount due to not receiving the money that was owed to me and was sent to collections. 

I recently reached out to the collections agency during XXXX of XXXX to resolve the issues and asked them to provide supporting documents validating I did not provide sufficient notice to vacate because I did not recall not providing a sufficient notice upon move out. The collections agency, National Credit Systems, provided me an illegible document of what they claim to be a copy of my lease, and a copy of a notice to impose a claim on my security deposit. During this time I also contacted XXXXXXXX XXXX  on XXXX to provide me with supporting documents showing I did not give a sufficient notice to vacate but they informed be they had no documents supporting this claim as well as no documents whatsoever of me or my lease in their systems. I do not understand how National Credit Systems continues to validate the account after my multiple disputes with XXXX, XXXX XXXX XXXX when there's no supporting documents from the Original Creditor ( XXXX XXXX on XXXX Apartments ) that I didn't give a sufficient notice to vacate. 

I can not include a copy of what National Credit Systems claims to be my lease due to the file size restrictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # 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 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: Mortgage

XXXX XXXX ( my mom ) passed in XXXX XXXX.I 've ( XXXX XXXX XXXX remained in contact with PHH regarding our intent to improve the property & sell or purchase outright. On XX/XX/XXXX we received a payoff statement reflecting a XXXX for a legal fee of {$2300.00} which they claim was used to start foreclosure. I was not made aware of this. In fact, I spoke with them on the evening of XX/XX/XXXX to request a payoff and inform them that they would be receiving a sales contract. There was no mention of foreclosure. The sales contract was sent to them on XX/XX/XXXX. On XX/XX/XXXX they came to the property drilled out a deadbolt and gained entry. I had just left but returned while they were there. I'm requesting they deduct the legal fees from the payoff amount. 

Other unapproved charges include title examination fee of {$380.00}, and {$580.00} in landscaping fees and inspections. I want these charges removed as well. 

We've had the yard professionally maintained. they claim HUD requires them to mow the yard at our expense? According to HUD this is not true. The company they hired to actually made the lawn look worse. It looked like it had been done with a weed eater and the driveway and sidewalks were full of clippings. We couldn't figure out what kept happening and we were asking neighbors if they knew who was cutting the grass. When I received the payoff notice I realized it had been PHH. The amount they're attempting to charge is double what we pay to have the yard cut. 

This is their way to nickel and dime customers out of thousands of dollars. With reverse mortgages it generally comes at a chaotic time for families. PHH is taking advantage of that.