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

Re : XXXX XXXX XXXX ( AND ) XXXX XXXX Additional information to add to original complaint. BOTH TU and XXXX XXXX are reporting derogatory illegal inaccurate reporting under FCRA. They are both showing ( 2 ) Federal Bankruptcy filing as opposed to ONE! Enclosed hard copies reflect from the court, the ( 1 )  federally approved Chapter XXXX bankruptcy filed. Both XXXX  and XXXX  contacted the XXXX XXXX Federal Court in Texas and verified the facts. They both removed the reporting or corrected my credit file. However not TU or XXXX XXXX. 

2 ) In addition, please see the attached records. Where both TU and XXXX  are now reporting a XXXX XXXX XXXX " hard inquiry '' from XX/XX/XXXX. Since my credit file was froze during that time frame ... .How can it be, that XXXX XXXX was allowed to make any inquiry? Never-mind a hard inquiry ... Dropping my score causing me further harm. 

3 ) Therefore, please accept the enclose additional claim. To " add '' XXXX XXXX a subsidiary of XXXX. For reporting 2 as opposed to one bankruptcy filing. In addition, for reporting the XXXX XXXX hard inquiry. When based on material evidence my credit file was considered froze. 


4 ) PLEASE SEE ATTACHED MATERIAL HARD COPIES OF EVIDENCE ; PLEASE CONFIRM TU AND XXXX CONTACT THE FEDERAL COURT TO CONFIRM ( ( ( ( 1 ) ) ) ) FEDERAL BANKRUPTCY FILED FROM XXXX. As opposed to ( ( ( ( 2 ) ) ) their reporting is showing that the one filed from XXXX was " discharged ''. The court will confirm. There is ONLY Claim, one Case No. and one Federal Discharge in XXXX. Please see the court record attached. Thank you
Product: Money transfer, virtual currency, or money service

I started to invest in this crypto mining thing. everything was going good, but one day, the app suppose to have a pledge, where you could put your money on it and you will have to reach certain goal to earn a price, but the goal was to high for me and the money that I had there, so, somehow with out my authorization my money end up entering that pledge and due I couldn't complete the task, they said that I will lose the money that " I put '' on the pledge, this pledge finished this last XX/XX/XXXX, but it seems that my money is gone and nobody answer on the customer chat or emails or calls. 
The link of this mining node is XXXX XXXX XXXX XXXX XXXX XXXXXXXX I just want the money that I lost back, and try to avoid more people got scammed like me. 

I made a transfer for {$2400.00} USD on XX/XX/2021 XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXCoinbase Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX This is the bank info Coinbase Inc XXXX XXXX XXXX XXXX XXXX United States California XXXX Routing number XXXX Bank name XXXX XXXX XXXX  Account number... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion XXXX XXXXXXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX XXXX XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Checking or savings account

{$400.00} was taken out of my checking account for 2 ATM withdrawals that did not dispense any funds. On XX/XX/22 i attempted to withdraw {$200.00} at an ATM. No funds dispensed, so I tried again. No funds dispensed the second time. I called my bank on XX/XX/22 and opened 2 disputes for the transactions. On XX/XX/22, I received a letter from my bank stating one of the disputes was denied. I have not heard anything regarding the 2nd dispute. I have called the bank more than 10 times and spent hours trying to get the funds returned. The bank acknowledges that one of the disputes is still in process, well after XXXX  months, but no one can assist me in getting the funds returned. On at least 3 occasions, I have been told a manager would call me back, but no one has. 
I contacted the ATM company. According to their records, no funds were dispensed. Their records show 3 attempts to withdraw {$200.00}, all of which show XXXX dollars were approved and XXXX dollars were dispensed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agencies under the name XXXX XXXX XXXX appears on my Credit Report with an a amount of {$59.00}. I do not recall to had any contract or agreement with this Company or to own them any thing ... I called this company and gave them all my personal Information as SSN, Names, Adress and Phone adress and the representative couldn't find any thing in their system.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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: Vehicle loan or lease

I had purchase a truck from this dealership at a certain price that I took out that same day everything happened so fast that I didnt believe it that I had boughted a car by my self I took it in give a down payment if it promised to pay in one month while I made my first payment on the load made my first payment on the loan but one week before the 30day warranty period the truck broke down which I had to pay out of pocket because I could not afford to loose any day of work fix the truck for couple day driving it white no ac for the matter that I had fix up until I need to make my down payment already but second payment on the loan came by since it way on a holiday XX/XX/XXXX one on my derelict deposits was not made until the next business day so second payment fail got the call from the dealership say that there contract with this lender was rejected and we had to apply for another lander which was libel finacial give me a higher interest rate and payment plan with a an additional hidden fee called GAP got approved had a cal from the lander asking me additional questions about the vehicle that the dealer told me to say in other word lie to value more the car and get approved with out my acknowledgement of there intention got approved never seen the original contract from the second lander in the mean while my truck was getting fix driving a loaner car from a the dealership missing afew Daya work getting fired from one job a had out 2 in that time frame and never got Reimburse of anything out of my pocket 6 to 8 pass the lender harassing me that I had not made my full payment that I had trusted the dealer I was going to pay XXXX $ instead of XXXX $ before with the other lender long store short I couldnt negotiate nothing with the lender and told the lander yo just come and repo my truck have to loose a lot from this deal that I felt was wrong as a costumer I feel being a fist time buyer things like this should not happen to no one very upset of this deal never again I ll buy a used vehicle in my life.
Product: Credit reporting or other personal consumer reports

I received a letter from TransUnion stating their information is Accurate and Verified. I have submitted documents from the CFBP from XXXX  stating their investigation into inaccurate information has been removed. But TransUnion still refuse to remove this fraudulent placement. My XXXX  credit report doesn't show any bankruptcy reporting as well. I request its deletion in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. This letter pertains to my rights under the following statutes : This inaccurate information has never been updated nor corrected. XXXX updated inaccurate information on my credit report without notification by mail. I submitted proof of documentation of the following account XXXX is inaccurate and I've submitted proof of the contract with original creditor. 
Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : Credit Reporting agency : TransUnion Reasons for Dispute : Fraudulent Bankruptcies Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. TransUnion stated if I wish to request proof of their investigation procedures it will be provided by TransUnion. It states to which I did and in return I was on hold and when I spoke with a representative from another country I was told that information wasn't available. So I've submitted my FTC reporting with TransUnion and yet they can't and will not confirm this bankruptcy reporting account address it's attached too. This inaccurate account doesn't belong on my credit report. I want proof of the furnisher information to dispute this fraudlent claim.
Product: Debt collection

XXXX is showing the two following accounts on my credit ; XXXX XXXX XXXX Account XXXX and MIDLAND FUNDING Account XXXX The two accounts do not show on XXXX or XXXX where my credit reads over 720+ but on XXXX because of these two fraudulent reports show a score of XXXX. 

Neither company is the real party in interest. Neither company ( debt collectors ) can provide any legal capacity to attempt to collect or report an alleged debt. There are no court orders or judgement ( s ) in place and therefore where there is no contract there is no claim! The entries are in direct violation of Ohio Revised Code 1321.45 and MUST be deleted. 

Further I was not notified of the 'requirement to authorize ' them before you closed out my previous complaint. Stop shielding them!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX 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

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian is not doing a proper investigation on XXXX disputes Ive disputed the same XXXX negative items on my report at least 5 times and they come back verified in an hour! The XXXX negative items have been charge off or written off should have a XXXX balance but they show a balance Ive consistently ask them to report it fair and accurate according to Statue us 1681 that says according to the statue they are required to report it accurately and fairly! I disputed the same XXXX items last night XXXX and today they drop my credit score XXXX points today to get back at me for saying if they didnt remove the items I would contact cfpb!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day to all at the CFPB. Thank you for your service. My name is XXXX. I am being discriminated against and treated unfairly by the false and deceptive business practices of the for profit and non government affiliated company called EQUIFAX. I contacted EQUIFAX on XX/XX/XXXX and spoke to the agents about the discrepancies on my report and that my consumer report is more accurate and much different on XXXX than Equifax and I also notified them that I sent over a hand written letter outlining my instructions on how my personal information on my consumer credit report is inaccurate and came from the EQUIFAX data Breach in XXXX including but not limited too misspellings of my name, employer, collections, and negative accounts and that I want them removed within 5 days because I want to buy my XXXX home. The EQUIFAX agent told me that in order for any information to be disputed on my consumer credit report by me that I need to send in a copy of my Social Security Credit Card. I found that odd considering what I told the agent. I asked the agent to start a consumer investigation on my behalf and the agent said I had to send in my Social Security Credit Card.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized inquiries made on my credit report. I have noticed that there are inquiries listed on my report that I did not authorize, and I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Details of Unauthorized Inquiries : Inquiry Date ( s ) : [ List the date ( s ) of the unauthorized inquiry/inquiries ] Company/Organization : [ List the name of the company or organization that made the unauthorized inquiry/inquiries ] Credit Reporting Agency : [ Specify the credit reporting agency/ies ( Equifax, XXXX, XXXX ) where the inquiries are listed ] Legal Background : Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain conditions, such as with the consumer 's written consent or for purposes directly authorized by the consumer. I did not provide my consent for these inquiries, and they do not appear to meet any of the criteria set forth in the law. 

Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized inquiries are removed from my credit report. Additionally, I would like to request that any entity responsible for these unauthorized inquiries be held accountable for their actions, including any applicable penalties under the law. 

Please keep me informed of the progress of your investigation and any actions taken. I am also attaching a copy of my credit report highlighting the unauthorized inquiries for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

Provident Bank purchased the bank that my mortgage was initially though, Lakeland Bank. The official switch occurred in XX/XX/XXXX. My first payment to Provident Bank was lost by Provident and I spent hours trying to set up online banking trying to correct the issue. Finally on XXXX, I scheduled a payment over the phone to be done with it, and put a stop payment on the check that had been lost by Provident. Subsequent payments were made to Provident and withdrawn from my bank account at XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, none of which have been credited to my account. They claim that a payment was returned, the duplicate payment for the payment on XXXX, and claim to not have received the XX/XX/XXXX payment. I have offered proof of my bank statements to show all three payments being withdrawn from my account. It is not my fault if they lost a payment, however, they want me to make an additional payment to make my account whole and this additional payment would be REQUIRED to make ANY of the payments I have previously made already to reflect my mortgage balance. Statements have been provided for XXXX and XXXX, the XX/XX/XXXX payment will be reflected on my XXXX statement which I'm happy to provide once it's printed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Equifax for reporting incorrect information on my credit report. I have filed numerous disputes and it is still not resolved. XXXX XXXX XXXX should have been removed off of my credit in XX/XX/XXXX. I have contacted XXXX XXXX XXXX directly numerous times and they have confirmed that the first late payment on this account was XX/XX/XXXX and the first missed payment was XXXX. All other credit reporting agencies have the correct information and have removed this from my credit report except for Equifax. Equifax has been very rude and will not even try to help me resolve this issue. The last time I called XXXX I spoke with XXXX on XX/XX/XXXX, XX/XX/XXXX and she confirmed this information is correct and that Equifax was reporting incorrect information and advised me to contact them. I have all documentation and records of who I spoke with and when from both Equifax and XXXX XXXX XXXX. Equifax did remove this from my credit on XX/XX/XXXX and then added it back. So they had the correct information at first to remove it and now they are reporting incorrect information.
Product: Debt collection

I have been getting telephone calls from someone who identifies herself as " XXXX XXXX '' who claims she is a debt collector but refused to give the name of the company with which is was supposedly associated. She said that in order to stop further action on this issue I needed to call XXXX. 

Then today, I got what was obviously a bogus collections email, from some place claiming to be True Accord ( XXXX, XXXXXXXXXXXX ) and claiming that I owed " XXXX XXXX XXXX the Current Creditor-Debt Purchaser '' {$1400.00} for some balance on an old XXXX account. It claims the account went into default in XXXX ... 

I have n't done any business with XXXX for about a decade. I was provided with NO PROOF of any debt owed. 

I looked up True Accord online and found that : " TrueAccord Corp has been sued for using debt collection practices that allegedly violate the FDCPA. '' Since they came back to back, I 'm assuming that the bogus telephone call ( which obviously violated debt collections rules ), and the bogus email which claimed I owed money I do not owe for an account that is over a decade old ( also in violation of debt collections rules ) were from the same company/individual.
Product: Debt collection

they called me every day before payment was due, now that it is past due they are calling 10 times a day.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that my personal information had been compromised in a data breach, resulting in unauthorized accounts and transactions. 

I took the following actions : Contacted the companies involved : I reported the fraud and requested that the affected accounts be frozen or closed, as required by the Fair Credit Reporting Act ( FCRA ). 

Filed a police report : I reported the theft on [ Insert Date ], in accordance with the Identity Theft Enforcement and Restitution Act of XXXX. 

Notified the credit bureaus : I contacted Equifax, XXXX, and XXXX to place a fraud alert, in compliance with the Fair and Accurate Credit Transactions Act ( FACTA ). 

Filed an FTC Identity Theft Report : I filed a report with the Federal Trade Commission ( FTC ) on [ Insert Date ], as per the Identity Theft and Assumption Deterrence Act ( ITADA ). 

I am taking steps to protect my identity and prevent further misuse of my information, including requesting credit monitoring and fraud alerts as required by applicable state and federal laws.
Product: Credit reporting

There is incorrect information on my credit reports that I wish to dispute. My lender agrees and intends to correct the information, but needs to receive the dispute electronically from the XXXX credit reporting agencies. 
I was able to start disputes online through both XXXX and XXXX. However, when I tried to start an online dispute with Experian, I received the message " We are unable to honor your request for a credit report online. '' Information about how to dispute by mail was provided but no telephone information. Eventually I found a number to call, but there was no way to talk to a live person. I was hung up on several times by the automated phone system as I tried to navigate the system. 
Eventually, I was able to order a copy of my credit report by mail. Now I have to wait up to 10 days to receive a copy by mail, when I already KNOW there is an error and want to start an investigation. I will keep trying to initiate a dispute online until I receive my copy in the mail. This is costing me valuable time, because I need XXXX to send the dispute to my lender, who intends to correct the information. 
If the Experian system is not able to process online requests for credit reports, there should be an option to talk to a live person.