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

I have disputed Inquiries that's on my TransUnion report numerous of times but TransUnion have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF TransUnion have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and  stopping me from getting a mortgage.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX CARD - XXXX - XX/XX/year> - {$5800.00}
Product: Debt collection

This debt is not mine and has never been. It keeps getting sold every time I dispute it and they can not verify the debt so it seems to never go away and is negatively affecting me. 

Plus the original date that this first started showing up was over 7 years ago. Every time they sell debt they change the date to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account XXXX XXXX - collection account XXXX  XXXX XXXX XXXX - charge off account XXXX XXXX XXXXXXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX XXXXXXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

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

In accordance to the Fair Credit Reporting Act XXXX accounts : STUDENT LOAN Account # XXXX **** STUDENT LOAN Account # XXXX **** STUDENT LOAN Account # XXXX **** STUDENT LOAN Account # XXXX **** XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Have 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 : States a consumer reporting agency can not furnish a account without my written instructions. I have not given these people written instructions to furnish my information. I would like a proper investigation done and these accounts removed.
Product: Debt collection

I received a lawsuit in the mail- I immediately contacted the company - they stated debt was from PayPal credit card from XXXX  - I contacted XXXX as I didnt have a credit card attached and did not owe them almost XXXX  XXXX - XXXX asked the lady from the debt collection company for more information and she said- I guess you need a lawyer, huh?
Product: Debt collection

I asked for verification from upgrade about this account because it was opened from family idenity theft. In return they automatically sent my account to a collection agency.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XX/XX/year> ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : Creditor Name : 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/year> FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX Banking and XXXX XXXX XXXX XXXX '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''
Product: Money transfer, virtual currency, or money service

I had opened an account with Robinhood ( RHS ) Acct # XXXX around XX/XX/2022. I connected my bank account, verified my identity, sent in the proper documents including face scans, Drivers License and a copy of my Social Security Card. I was told that I could not access my account to transfer, withdraw or invest due to my identity not being confirmed. I challenged that and contacted Robinhood multiple times, sent copies of my social security card as requested and was told the matter was being investigated. It has been one week since a hood has been placed on my account and my money is being held under false and unlawful reasons. I simply want to close my account, transfer to another broker and have access to my funds as would be expected under the terms of service. 


There are multiple complaint/case files from Robinhood. They are ; # XXXX, # XXXX, # XXXX, # XXXX.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXXXXXX XXXX I sent {$350.00} to world remit money transfer to my beneficiary bank account in XXXX. Till the time of filling out this complain. My beneficiary account has not been credited. I make several calls and several mails to them to no avail The transaction number is XXXX
Product: Credit reporting or other personal consumer reports

Equifax, 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 all violated 15 USC 1681 c-2, 15 USC 1681 eb, 15 USC 1681b and 18 USC 1028A.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, while trying to purchase a vehicle, I was informed, by the bank that my score was different than that reported by XXXX XXXX for XXXX and XXXX. As a result, I was denied credit. XXXX score showed XXXX, Experian XXXX. the bank showed XXXX. I enrolled in XXXX to try and get a more accurate score. {$19.00} month subscription, plus {$29.00} to get all three reports. those scores have been consistent as to what XXXX XXXX was reporting, along with the score reported by my XXXX XXXX credit card, XXXX XXXX XXXX, and XXXX XXXX ( credit monitoring by XXXX XXXX XXXX ).
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After doing some things to boost the score. Yesterday (XX/XX/XXXX ) I checked my scores on XXXX, my scores were, XXXX XXXX, XXXX XXXX, and Experian XXXX. I went to XXXX XXXX XXXX XXXX XXXX to try and refinance my rv. With the scores showing on the XXXX site, I would have been eligible for the financing. I was informed by the bank I has an Experian Score of XXXX ( 98  point difference ) and was given a copy of the report. I was denied. I went outside and enrolled in Experian Credit tracking. {$20.00} a month. Their 3 scores were XXXX XXXX XXXX XXXX ( the only one in the above range ), and Experian XXXX ( not a XXXX ). I called the support line for Experian. She stated that there are 1000 's of scoring models and that the banks and dealers can essentially make up their own scores and they cant be held to the scores they post. she also stated, that in their system, there were 4 different models, one of which showed a XXXX score. I would have NEVER gone to an institution with a score sub XXXX. I have bought 3 new vehicles sinceXX/XX/XXXX. two were at 18 % ( with the same bank ) and the most recent, 16.1 %, which the dealer called and friend at the bank to do the loan. I got it refinanced last week at 12.99 %. I have had 1, 30day late payment in 5 years. yet my score stays hovering around XXXX. And banks see an even lower score than that. This scoring in costing me {$1000.00} 's in interest. I spoke with a credit repair lawyer yesterday after all this, he stated that I need to go into the banks KNOWING my score will be 50 to 70 points lower than showing.
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there are 2 scenarios that are happening 1 ) the credit bureaus are defrauding the customers by making issues for you to keep paying for their services.
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2 ) banks are not abiding by the fico score system they say they use to charge outrageous interest rates.
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3rd ) both I should see
Product: Money transfer, virtual currency, or money service

I pay a " realtor '' in desperation for an apartment and it was a scam and their business wasn't registered. They have a XXXX page called XXXX XXXX XXXX XXXX utm medium=copy link And I noticed they have a lot of fake followers. Also I made two payments of {$200.00} for an aplication fee and {$1600.00} for security deposit under the term of Refundable. Neither transaction has more than 12 hours ( application fee ) and the {$1900.00} which I reported like 4 hours later. The bank its telling that there is a more higher porcentage that I would not be able to ge the money back even though the transaction was pending and the money wasnt still available for the other party. I was desperate for an apartment because Im having such a bad and now I got scammed for almost 20 % of all my savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX CO XXXX Balance {$0.00} FXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Your failure to indicate that the account in question was disputed within the required 30-day period violates 15 U.S. Code 1692e ( 8 ) - False or misleading representations. This oversight constitutes a breach of the provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Convergent : XXXX  XXXX XXXX  NA, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXXXXXX XXXX  Account XXXX XXXX XXXX, Account 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A little less than 60 days ago I reached out the credit bureaus to inform them of my recent encounter of being a victim of identity theft. Repot number # XXXX which included several accounts including XXXX XXXX # XXXX and Access credit # XXXX. These accounts are still appearing on my credit file after these agencies have been notified by me as well as the bureaus. I never received any services or goods in relation from neither of these accounts and they were established from the direct result of identity fraud. It has been more than 30 days and no accurate verification has been made as per the Fair Credit Reporting Act nor the Fair Debt Collection Practice Act. I am familiar with the Health Insurance and Portability Act and its regulations protecting the privacy and security of certain medical information. My consumer rights continue to be violated as well my denial of future credit lines. I find this unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX 30 days past due 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0} I am writing to formally dispute the collection account referenced above, as it is currently subject to litigation. Per the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, I request the immediate removal of this account from my credit report until litigation is resolved. 

This account '' XXXX inclusion on my credit report during active litigation violates principles of accuracy and fairness. Until final legal determination is made the validity of this debt remains unconfirmed, and reporting it as an outstanding collection is misleading and potentially damaging. 

Under Florida Law, all debt collectors must be registered with the Florida Office of Financial Regulation to legally operate within the state as required under Florida Statutes XXXX Florida XXXX Collection Practices Act ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, DEPTEDXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Mortgage

In accordance with the Fair Credit Reporting act Select Portfolio Servicing regarding Loan 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Select Portfolio Servicing was contacted by me dozens of times over almost a year period and never resolved the issue on their end which resulted in them reporting a late payment on my credit. After a dozen or so attempts to rectify the issue with them, they refused to acknowledge their error and correct the inaccurate reporting. In the 15 years I've had lines of credit, I have had a flawless payment history and have never missed a payment so this error has drastically affected my credit score and has caused damage to my ability to use credit in the future. When I requested them to remove the late payment, they stood by their decision and refused to correct the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliants with Credit Reporting Agencies are reporting errors on my credit reports that not accurate, I have disputed serveral times with Credit Reporting Agencies and provided documentation to show they are reporting errors on my credit reports Credit Reporting Agencies overlooked my proof still go with thier own decisions not acknowledge my documentation that I'm showing proof to take into consideration when correcting or updating my credit report. XXXX  reporting three late payments and comments on closed accounts which is Error, XXXX  reporting Bankruptcy and comments on closed accounts which is an Error and Transunion reporting Bankruptcy and comments on closed accounts which is an Error. I have also disputed with all three Credit Reporting Agencies Transunion, XXXX  and XXXX  of unauthorized inquiries serveral times and contact company that reported to let them know as well it was unauthorized inquiry still no one wants to take actions to remove from my credit report.
Product: Debt collection

Hauge Group / Hauge Associates is marking my credit report like a XXXX tree for medical bills that are 1 ) NOT MINE and 2 ) NOT MINE & 3 ) it is against hippa law to collect on medical debt with medical information on there, this is a HIPPA VIOLATION AND IT IS ILLEGAL - lastly its fraudulent as these bills are not mine remove them from my credit report immediately THERE ARE 18 REPORTS OF MEDICAL BILLS YOU R TO REMOVE THEM ALL this is illegal and i will involve news stations and attorny generals office i demand them removed.

THESE ITEMS ARE FRAUD THEY DO NOT BELONG ON MY CREDIT NOR ARE THEY MINE AND THEY VIOLATE HIPPA LAWS AS I CALLED ON THEM AND THEY TOLD ME THEY ARE MEDICAL BILLS AND THEY ARE NOT EVEN MINE TO BEGIN WITH I DEMAND THEM REMOVED WITHOUT DELAY AS THESE ARE NOT MINE YOU AHVE NO RIGHT TO USE MY SOCIAL SECURITY NUMBER AND I DONT EVEN KNOW WHO THIS HAUGE COMPANY IS NOR HAVE I EVER USED THEM.
Product: Mortgage

STATEMENT OF PROBLEM : We applied for a VA Mortgage Loan through USAA.com. We received a mortgage Pre-Approval letter from USAA. We sent an Offer to XXXX at XXXX XXXX XXXX XXXX XXXX, Mo XXXX, dated XXXX/XXXX/2016. We provided USAA with all the requested documents by the dead line XX/XX/2016. 
XXXX/XXXX/2016 we received a loan estimate ( extension agreement ) to lock the interest rate since USAA were unable to get the title cleared by the original closing day XXXX/XXXX/2016. The processor during this time were XXXX ( XXXX ) XXXX ext XXXX. 
XXXX/XXXX/2016 we received a voice message from XXXX XXXX XXXX # XXXX he is now our new processor for the loan. We were not provided details as to why XXXX XXXX were removed from the loan process. We were told our new closing date would be XXXX/XXXX/2016 as you know by now that did not happen either. 
XXXX XXXX received a call from XXXX XXXX requesting another loan estimate ( extension agreement ) on XXXX/XXXX/2016 since USAA will not able to meet the closing date for XX/XX/2016. The title company is working on the payoff figures. Now they are requesting statement from XXXX TSP account which we provided. We now have a new closing date for XX/XX/2016. 
We received a call from the title company XXXX XXXX XXXX on XXXX/XXXX/2016 advising not to show up for closing at XXXX because they have not received the closing package from the lender USAA. My wife spoke with XXXX on XXXX/XXXX/2016 and he did not inform her/us that the closing package has not been provided to the title company and closing we not be taking place as scheduled. He requested bank statement for 30 days which we provided. 
XX/XX/2016 XXXX request proof of my wife XXXX for 30 days. XXXX only come out each quarter. We provided USAA with 30 day history of my wife XXXX 
XXXX/XXXX/2016 Called XXXX at USAA to get a status updated for closing. We were told the underwriter now wanted an updated 30 day statements from my wife XXXX with her name and account number. My wife informed XXXX the website does not allow her to provide the account number from here retirement account but it will show her name and history transaction from XX/XX/2016 - XX/XX/2016. 
XX/XX/2016 This is the last email we received from USAA rep XXXX XXXX From : XXXX, XXXX [ XXXX ] Sent : Monday, XXXX XXXX, 2016 XXXX To : XXXX Cc : XXXX Subject : RE : EXTERNAL : RE : XXXX Ma'am are you having trouble obtaining that statement? We need to get the final approval from underwriting in the next few minutes in order to close tomorrow. If we ca n't make a decision shortly, we 'll have to postpone closing again at the cost of another lock extension fee. Please advise. 
XXXX XXXX XXXX, XXXX # XXXX | XXXX, USAA XXXX, Texas XXXX Office : XXXX ext XXXX | Fax : XXXX XXXX usaa.com | XXXX/usaa | XXXX/USAA If at anytime your needs or expectations are not being met please call XXXX ext. XXXX
Product: Credit card

They blocked my account for " security reasons ''. When I inquired about why, they wanted to verify I own the payment account. I informed them that I do and that I shouldn't have to prove that I own the account. They said under the terms of use, they can. They did send me the terms of use, and after reviewing it, there is nothing saying that I have to prove that I own the payment account. I have been unable to use the account even though I have fully paid the account.