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

Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   and XXXX
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

XXXX has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. XXXX   allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from XXXX.
Product: Debt collection

On XXXX, Diversified Consultants, Inc. forwarded me a debt collection letter from XXXX XXXX in the amount of {$420.00}. On XXXX, I contacted XXXX XXXX XXXX, supv. to inform him that if any thing XXXX owes me due to fraudulent information provided by their employee and XXXX which resulted in my XXXX destroyed. I explained that I have discussed this matter with XXXX on several occasions. And yet, to receive an intelligent response. Enclosed is a letter written to the XXXX XXXX dated XXXX XXXX, XXXX. I asked XXXX XXXX for his company 's bonding license number ( XXXX ) ; what he provided resulted in " no such record ''. Next, I asked XXXX for the contract which shows proof that Diversified Consultants purchase this disputed debt for XXXX. XXXX XXXX is unable to provide this contract. Next, I asked for all correspondents received by Diversified Consultants from XXXX reflecting that I had already disputed this account. No information of disputes were provided to his office. I asked XXXX XXXX to provide the full payment history of this account in an effort to verify the disputed debt. In the XXXX XXXX, XXXX, XXXX XXXX acknowledged that the XXXX employee provided inaccurate information which resulted in unwarranted cost charges against me, the consumer. I waited for XXXX to adjust the account but they failed to respond. Instead, XXXX obtained another collection agency. As embedded in the body of the XXXX XXXX, XXXX letter, the collection agency at that time was XXXX XXXX. This is the same fraudulent collection agency that was given a Stipulated Final Judgment and Order between Consumer Financial Protection Bureau and XXXX XXXX on XXXX XXXX, XXXX in another fraudulent credit collection case. In the XXXX XXXX, XXXX settlement, XXXX XXXX was ordered to pay {$320.00} in the form of a consumer rebate for violating federal credit laws. As result of this payment which was paid on XXXX. The identify thieves are using Diversified Consultants , Inc . The pattern that exist here is that rogue individuals are accessing my computer in order to destroy XXXX. In the account where XXXX XXXX paid me {$320.00}, this was a fraudulent collection matter where XXXX XXXX stated I owed a debt on what I believe was an XXXX account that was not mine. The circumstances of that fraudulent debt collection effort was during the time when I needed to get credit approval for a school loan to complete my dissertation. XXXX XXXX stipulated that I would not get the education loan unless I paid them. I believe that these were the circumstances. Now, out of retaliation of your office assisting me in that case, some rogue individuals have contacted Diversified Consultants. Please have Diversified Consultants provide the contract from XXXX as to purchasing this debt. This is a fraudulent account because XXXX allowed my XXXX to be hacked into ; resulting in my research being destroyed and uses a fraudulent collection scheme to claim I owe them when in fact, the record reflects that both XXXX XXXX and Diversified Consultants, Inc. are being illegally and fraudulently used as a distraction when the real crime was to stop me from competing my XXXX.
Product: Checking or savings account

I received a check amounting to {$4600.00} via mail from an XXXX  which was meant to finance setting up a home office for a XXXX  job. I took the check to the banker on XXXX XXXX ( bank of America ) for a deposit, the banker tried to deposit but told me his machine is having dificulty reading the check, that I can proceed to use the ATM inside the bank. This is the only thing he said to me, so I proceeded to deposit the check. The expected day of availability of funds was slated for XX/XX/XXXX. Firstly, my account was placed under review on XX/XX/XXXX, I couldn't do any withdrawal from the funds that existed in my account prior to the deposit of the check, Ttried to reach the bank but was told severally that my account was still on review. On XX/XX/XXXX, I couldn't open my mobile banking app because my account was locked, when I called the bank, I was told the check I deposited was counterfeit, and consequently, my account has been closed and a report written to the Check system. Due to this report, I might not be able to secure an account from a different bank. I tried explaining to the bank that I wasn't aware it was counterfeit check and was a victim of scam, I have evidences of the job interview, job offer letter and communications with the person who posed as a hiring manager
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a deliquent account from XXXX XXXX XXXX XXXX. That account has been paid in full and it needs to be deleted from my credit report.
Product: Debt collection

This place calls me multiple times a day, sometimes mere minutes apart ; they will rarely leave a message. I 'm trying to work and my phone is constantly ringing. It 's a real disruption to my day.
Product: Debt collection

My identity was stolen and a credit account was open in my name, i ask consolidated recovery group to remove the negative item from my credit but they wont comply
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Consumer Response Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Unauthorized Hard Inquiry on TransUnion Credit Report by XXXX XXXX Dear Sir/Madam, I am writing to formally dispute an unauthorized hard inquiry on my TransUnion credit report. This inquiry, made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), was recorded on XX/XX/2024, without my consent or authorization. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report. The FCRA mandates that all items on a consumer 's credit report must be fair, accurate, and substantiated. An unauthorized hard inquiry violates these principles, as it suggests a credit check initiated without my permission. 

The details of the disputed inquiry are as follows : - Inquiry Date : XX/XX/2024 - Reporting Agency : TransUnion - Inquiring Organization : XXXX XXXX XXXX XXXX I request that the Consumer Financial Protection Bureau investigate this matter and ensure the deletion of this unauthorized hard inquiry from my TransUnion credit report. I have not initiated any transaction or application with XXXXXXXX XXXX that would warrant a hard credit pull. Therefore, this inquiry is a clear error and must be addressed promptly to prevent any unwarranted impact on my credit score. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry and any other relevant documents for your reference. Please note that I have also contacted TransUnion and XXXX XXXX directly regarding this matter. 

I trust that the CFPB will take swift action in accordance with consumer protection laws to resolve this issue. I kindly request a written confirmation of the deletion of this inquiry from my credit report upon resolution. 

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

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List of documents enclosed, e.g., copy of credit report, correspondence with TransUnion or XXXX XXXX, etc. ]
Product: Credit reporting

Inaccurate Information, no d ocumentation received, company agreed in writing they would delete and has not been done. paid accounts are showing as late payments, old accounts continue to be reported and they are paid and closed and are more t han 7 yrs old.   XXXX  is the worst they wont delete anything or respond to inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation showing that the documentation from XXXX could not verify XXXX and update and correct my credit report and they did not. 

The certified mail was sent on XX/XX/XXXX and received on XX/XX/XXXX to date correction has not been made by Transunion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUn ion failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$560.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$400.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$11000.00} ). Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase. I initiated a {$12000.00} transfer from their website coming from my XXXX XXXX  account. The transfer was successful. Coinbase initiated a 2nd unauthorized {$12000.00} transfer that was declined by my bank. Coinbase then proceeded to remove XXXX XXXX ( XXXX ) from my account ( the equivalent of {$12000.00} ). There never should have been a second transfer attempt, Coinbase had the proper amount of money transferred to them, and they had no right to steal any of my assets. I have been emailing them and trying to contact them since XXXX XXXX. They do not have any way to contact them directly and they do not respond directly to my emails. I do not know what to do ... The attached file clearly shows the $ XXXX transfer from my XXXX XXXX account. The other attachment shows where I purchased XXXX then sent it out on XXXX XXXX. Then it shows a negative purchase ( removal ) of XXXX from my account on XXXX XXXX. They do not show and never credited me for the $ XXXX transfer shown in my bank statement.
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 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, 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: Vehicle loan or lease

Was a victim if fraud in our bank account and due to that had a returned payment. Left messages for the account  manager  and sent emails and no ine has gotten back to me. Everytime i call in they just tell me to pay in full or my car will be repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I responded to a pre-approval offer from Aspire Credit Card. Instead of a soft inquiry - which is standard for pre-approved offers - Aspire submitted a hard credit inquiry which is now reflected on my credit report. 

I called Aspire and asked to speak to the supervisor of phone operator XXXX. She told me her supervisor was not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent information on all three reporting agencies companies XXXX, XXXX and XXXX, my credit score is not increasing beyond 500.
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. 

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 has violated my rights. 


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 made a payment on XX/XX/2023 of {$800.00} via their third party payment processing company XXXX. & they have yet to give me credit for my payment. Ive faxed to them several times my bank statements but have still failed to give me credit and now they are threatening repossession. Attached is my proof of payment.
Product: Credit card

On XX/XX/XXXX I tried to utilize XXXX of my thank you rewards points to book travel. I attempted this x4 and email came back saying there was an issue with your booking due to a " system error ''. I proceeded to try to book the travel the following days when suddenly the spot where you enter the points to be transferred just disappeared, and wasn't even an option even though I have XXXX points available. I called and was told that this would be escalated to IT. There have been no resolutions. I tried having the representatives for Citi to do the booking and they also said that there was no option to utilize the points when trying to book the stay. 

So now I call the rewards department to transfer my points to XXXX as their system clearly doesn't work and now I am being told I can't do it because of a fraud alert from XX/XX/XXXX and it could take up to XXXX  days to complete the investigation. YET .... I CAN STILL USE MY CITI CARD! Why can I not use my rewards but I can use my card? If there was true fraud the WHOLE CARD should be put on hold. Yet no, I can still keep spending but I can't use my rewards points. 

I am really thinking that citi does not want me to utilize these points and thus there have been several blocks placed on the account due to my attempts to utilize my earned points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was online today looking for free pre-approval options for a new car loan. the website cleared stated it was a soft pull, however a third party website called "road loans" pulled my XXXX  credit report without my authorization. I tried to call the lender as well as XXXX  to try and dispute this, and no one was able to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$2400.00} XXXX XXXX XXXX : XXXX -- -> : {$710.00} XXXX XXXX XXXX : XXXX -- -> : {$900.00}
Product: Mortgage

I submitted a short sale packet ( complete including an offer of {$240000.00} ) and I was told the Private Investor refuses to review for loss mitigation options as they will not agree to accept a loss. I have been negotiating short sale for 7 years and have never for of a investor that will not participate, is this allowed? 

There is a foreclosure date set for XX/XX/2018 that we are trying to get postponed to allow for short sale consideration
Product: Debt collection

Mountain Land Collections is trying to collect a debt from me for a company called XXXX XXXX XXXX XXXX in the amount of {$1900.00} with an interest amount of {$28.00} to total {$1900.00}, this is claimed to be owed as of XX/XX/year>2024. 

The company is claiming a debt that I owe that is from dates that I did not have medical billing from at that time. I did have medical procedures done around that time but not in that amount. The place that I had my procedure done is a completely different name and company and they would have sent me a bill to my home address and not through an email. 

The company Mountain Land Collections has emailed me with this claim and I have emailed them back disputing the claim and asking for information about the original billing company and proof that the debt belongs to me. I have yet to get a response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this inconsistent off my Equifax report I have contacted these agency on several attempts and have been unsuccessful in results. I have contacted Equifax on this matter on XX/XX/23 and investigation was completed XX/XX/23. I launched a re-investigation XX/XX/23 and it was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : THESE ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE SEVEN YEARS FROM THE REPORTED DATE OF THE INQUIRY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXXXXXX XXXX XXXX XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Product: Mortgage

I talk with mrs..XXXX  XXXX concerning the loan whin I was in storm of XXXX of the year of 2017 whin chase bank said that you or trying to repair your home they will help you but I was trick I was only two months behind bacis on what chase bank said but come to find out it was way to put you in modification whin you really don't need it.