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

On XX/XX/2019, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Transunion there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. On XX/XX/2019, I wrote to Transunion advising of this issue with the creditors and have the tracking numbers for it to monitor. TU Tracking : XXXX, they received it on XX/XX/19 and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/19 and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had ZERO unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the last couple years, as you will see if my numerous CFPB filings/complaints, I have been a victim of identity theft. It has now come to my attention that recently I have had multiple other fraudulent accounts now appearing on my credit report. In addition, I have also seen that multiple accounts that are reporting on my behalf via all ( 3 ) credit reporting agencies ; XXXX, XXXX  and Experian are now reporting extremely inaccurate ban ] lances and pay history accordingly. 

I have not been disputing any of my accounts over the past 6 months because for whatever reason I have been unable to obtain a credit report and also have not been successful getting in to my online monitoring services. Of course, these are both separate issues entirely. However, upon further investigating my reports, particularly Experian in the last couple of weeks, I have noticed of plethora of items of concern. I have also received documentation via email, mailed collateral etc., from XXXX  claiming that I was one of the millions apparently breached in the XXXX security breach a couple months ago. I am concerned that this is one of if not the sole reasoning for several of these both fraudulent accounts and some unauthorized charges attacking accurate accounts on my behalf. 

The following is a breakdown of the accounts that are either fraudulent and or reporting inaccurate balances and pay history for the " accurate '' accounts. 

( FRAUDULENTLY OPENED ACCOUNTS ) 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX Acct : XXXX 6. XXXX XXXX XXXX XXXX Acct XXXX 7. XXXX XXXX XXXX XXXX $ XXXX limit 8. XXXX  XXXX XXXX ( COLLECTIONS ) * XXXX XXXX XXXX XXXX. 
Acct : XXXX Client : XXXX {$8300.00} ( INQUIRIES ) * XXXX XXXX XXXX XXXX, 2017 UNAUTHORIZED CHARGES AND INACCURATE PAY HISTORY. These accounts are mine, but have had unauthorized charges and subsequently are reporting inflated balances and pay history inaccurately. 

1. XXXX / XXXX XXXX * not 120+ days past due, balance should be {$8800.00} Please note that each individual creditor has been contacted by me via phone calls and certified letters to no avail. I would greatly appreciate your helping me with these matters accordingly.
Product: Debt collection

A collection agency named Afni, Inc. is trying to collect a debt from me of {$5000.00}. They claim to be collecting on behalf of XXXX. Afni says they are willing to accept {$2500.00} from me as a discounted offer. This is not money I owe. 

The account number is : XXXX. 
The creditor account number is : XXXX I do not owe money to XXXX and I have never had an account with them. I suspect this is fraudulent activity and harassment. 

I have contacted XXXX and they agree that I have never had an account with them. They have no record of any accounts under my name or SSN. 

Afni, Inc is threatening to report this fraudulent debt to credit bureaus. 

In XXXX of 2020, a different credit agency, XXXX, claimed that I owed {$5700.00} to XXXX and reported me to the credit bureaus. I disputed my debt with XXXX and made a complaint to CFPB. Again, XXXX corroborated by claim that I've never had an account with XXXX and have no outstanding debt. XXXX stopped contacting me, but now I am being harassed by Afni, Inc.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion for failing to respond within the required XXXX timeframe as mandated by the Fair Credit Reporting Act ( XXXX  ) XXXX ( XXXX U.S.C. XXXX ) XXXX XX/XX/XXXX, I submitted a formal dispute regarding XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX. Status charge off Balance {$3700.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Status charge off Balance {$440.00} XXXX XXXX XXXX # XXXX opened XX/XX/XXXX status charge off Balance {$630.00} XXXX XXXX Bank XXXX XXXX XXXX XXXX opened XX/XX/XXXX status charge off Balance {$2600.00} XXXX XXXX # XXXX opened XX/XX/XXXX status Charge off Balance {$1100.00} XXXX Bank XXXX # XXXX opened XX/XX/XXXX Status Charge off Balance {$1600.00} XXXX  financial XXXX # XXXX opened XX/XX/XXXX Status Open ( past due Balance {$69000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX Charge off Balance {$67000.00} XXXX? XXXX XXXX XXXX # XXXX opened XX/XX/XXXX status open XXXX {$230000.00} XXXX XXXX XXXX # XXXX opened XX/XX/XXXX status XXXX XXXX {$290.00}, which contains inaccurate and unverifiable information on my credit report. According to the FCRA, the credit reporting agency and/or the furnisher is required to complete an investigation and respond within XXXX  days. However, as of today, I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XX/XX/23 XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Current XXXX XXXX XXXX  - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my  ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Product: Credit card

Synchrony Bank is charging customers {$1.00} per month for monthly paper statements to be mailed home. The specific cards that Synchrony Bank is requiring this is for their Care Credit, a medical credit card and XXXX 's, a store credit card. I should not have to pay extra to have a bill sent to me via the mail. This puts the onus on the customer to retrieve and print their own statements at home. It also means that I need to have wifi at home. Consumers also need paper copies of bills and statements to store safely in their home and not have to rely on retrieving digital copies of bills and statements. 

This fee should not be tolerated!
Product: Checking or savings account

My problem began with Chime, I transactions that I didn't make. I emailed them if not every day every other day. From XX/XX/XXXX thru XX/XX/XXXX I didn't have a active XXXX XXXX card so how did these transactions get approved? 
Also I have sent in my XXXX and XXXX account status which was on the checking account. And I have never heard of XXXX. And if you look at the other amounts they are low amounts when I go shopping which is usually once a week I spend more than XXXX or XXXX dollars. And definitely not XXXX dollars. I told the company my account had been hacked and I didn't have a card on both accounts at the time of some transactions. The company didn't listen and sent items to the dispute team which after what they have called no error I had absolutely no faith in that team and requested the Fraud department over and over but no fraud department ever contacted me. I over and over told them my account was hacked and it was fraud. They didn't listen. I finally sent a message stating this was my formal affadavit. A day or two later my account was closed. And I haven't been able to receive any information on why it was closed. But it's awfully strange it happened right after my formal affadavit. I have contacted the OCC and they sent a letter to the main bank XXXX  and they in return sent a letter stating basically what the dispute team said no error. Without even looking into my account to see if it was possible to make these transactions. When I finally got my cards and activated them a transaction tried to go through the same night and how could that happen if not for hacking/fraud? How would anyone know I activated them? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe I can't read my writing and I can't go online to my app - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUT I DIDN'T WRITE THE REST OF IT DOWN AND I CAN'T GET INTO MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  FOR A TOTAL OF {$600.00}
Product: Credit reporting or other personal consumer reports

Yes, Transunion was sent a letter from the Internal Revenue Service ( IRS ) that an ( XXXX XXXX XXXX ) account of a balance {$100.00} was cancelled per its 1099c! transition still reported this account as a delinquent collection account and could not verify this account. 
Transunion is also in violation of Federal law 15 USC 1681 ( B ) permissible purpose by reporting an account without the consumers consent. This account is also a violation of a private trust on record with the United States Secretary of State office, said trust name is XXXX XXXX XXXX a Private trust that transition has used its likeness and image this said trust is copyrighted XXXX XXXX XXXX. Transunion must remove this collection account immediately or face copyright infringement they have 5 business days to respond.This company has also violated federal law 15 USC 1681 ( I ) procedure in case of disputed accuracy and 15 USC 1681 ( C ) 5 Treatment of inaccurate or unverifiable information. This account is unverifiable because it has been cancelled by the i.r.s and discharged per private Trust on the record. Remove collection account XXXXXXXX XXXX XXXX {$100.00} now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX  ACCOUNT NUMBER, 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: Credit reporting, credit repair services, or other personal consumer reports

We have made multiple attempts with XXXX to help us contact Caliber Home Loans and we provided from our checking account the timely payments we made our mortgage. They quickly rush to a decision in 2 days saying its accurate and it will stay as late. 

This is impossible when the customer is providing proof- they dont even investigate. 

This is the recent # XXXX This is for both my husband and my mortgage account for the late reported payments of XX/XX/2021, XX/XX/2021, this should be corrected as timely on all 3 credit reports immediately.. 

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

Partial Account number : XXXX My wife and I have been loyal customers of Chase for nearly 20 years for our deposit accounts, mortgage and credit cards. We have run several XXXX dollars through our accounts over the years. Prior to the current issues on my Chase credit card, I have never had a negative mark on my credit reports and my scores were well over 800. 

My wife and I are wanting to refinance our home in both of our names, however, when we had our lender pull credit, we were shocked to see a huge decrease in my scores due to recent 30 - 60 day late marks reporting from Chase. This account was to be closed and paid off at the same time the branch closed my business deposit accounts. 

After months of going back and forth it seems the branch closed by deposit accounts correctly and they even closed by credit card, but they failed to transfer the money to pay off the card balance during the transactions as authorized in person by me during the closure process. Since I lost my online banking access with the closure of my accounts, I wasnt made aware of the balance not being paid off and that bank fees were added to my account, in error. Eventually the bank removed the fees and I paid the account off but that was after I was already reported past due to the credit bureaus thus dropping my credit scores 60XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment listed on my credit report with GM Financial on my XXXX   credit report. I disputed this late fee, as it was for the last month of my lease, and was supposed to have been rolled into my final payoff amount ( which I paid promptly ). My  dispute results came back as " updated '' but still show the inaccurate late fee. It now also shows additional inaccurate information. My lease was paid off in XXXX of XXXX, but it now shows regular payments being made ( on time ) on that account until XXXX of XXXX. The {$0.00} balance is accurate, but the late fee was not removed, and is still showing on my credit report ( but was changed from XX/XX/XXXX to XXXX of XXXX. I have not had a late payment on any account in almost 10 years, and am trying to protect my credit score. This inaccurate reporting is very frustrating, and the dispute service is not  satisfactory at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2018 Mr. Cooper ( mortgage servicer ) offer me a repayment plan omitting XXXX payment. At that time I was assured that this would not have a penalty. At this time I am trying to refinance my loan to make a bill consolidation and save some money but I was informed by the lender that I could not do it because my mortgage account reported a XXXX x XXXX on my mortgage, even though I am making my payments according to the payment arrangement. I have contacted Mr. Cooper and they acknowledge that I am making my payments according to the payment arrangement but they are not willing to correct the information on the credit report.
Product: Credit reporting

Equifax is still reporting a bankruptcy on my credit report that was discharged 9 years and 9 months ago. They are the only credit bureau doing this. I want it stopped and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX XXXXXXXX XXXX Balance {$0.00} Date Opened XX/XX/2013 XXXX
Product: Debt collection

I received a noticed on my various credit reports that I had been reported by collection agency Mercantile Adjustment Bureau on XX/XX/XXXX for a debt of {$1400.00} that was transferred by XXXX XXXX XXXXXXXX XXXX XXXX. 

I called Mercantile Adjustment Bureau on XX/XX/XXXX and reported that as fraud as I never had an account that I opened at any point with XXXX XXXX XXXX 

I then called XXXX XXXX XXXX and they indicated that there was an account in fact with my social security # opened in XXXX of XXXX and Closed in XXXX of XXXX. They were unable to collect payment and then turned the report over for collection. At this point I am trying to get a report from the FTC to provide to XXXX  as I dispute with XXXX XXXX XXXX and Mercantile Adjustment Bureau that I am the victim of fraud. I have also made claims to my various credit score agencies.
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. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to TRANSUNION with FILE number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Vehicle loan or lease

I mailed them a {$3300.00} check around XX/XX/XXXX to bring my account current and then pay towards my principle balance. Almost a month later they still have not applied the check to my balance and they continue to charge me daily interest on the past due balance that should not be past due.
Product: Debt collection

On XX/XX/2021 I sent a validation request and Cease & Desist to The Dept of ED NELNET INC. Sent via certified mail with receipt. I REQUESTED copies of any papers to show I have agreed to pay such alleged debt and information on the identity of the original creditor. My letter was received and ignored by this company which is a direct violation of 15 USC 1692g My consumer rights have been violated and my rights to privacy have been violated as well. An this company continues to violate me to this day with false information reported to the credit bureaus negatively affecting my credit worthiness and ruining my reputation. which is a direct violation of 15 USC 1692d ( 1 ) and defamation of character. This company is aware of the all the violations against me and the remedies I demand to rectify their wrongdoing.
Product: Credit reporting or other personal consumer reports

I found on my consumer report in XXXX of 2024 that account number XXXX is listed as a closed account with a balance of {$240.00} and noted as charged off by the debtor. I have requested a XXXX for this because now it is income for me and have not received XXXX. Even though it has been charged off, I am still receiving calls attempting to collect payment for this.
Product: Money transfer, virtual currency, or money service

I am complaining about cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send an opt out letter to XXXX, XXXX, and Experian. On XX/XX/2022. I haven't got a response from any of the companies above.