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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$7100.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 DEPT OF ED XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I have hard inquiries on my credit report that are unauthorized and were done without my consent
Product: Credit reporting or other personal consumer reports

Im sending thi complant again, to inform you, that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 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/XXXX
Product: Credit reporting

My TransUnion account is showing a " new employer '' on my list that I do not work for. I have had the same job for years, nothing new should be appearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit suffered from my divorce in XXXX. To help improve my credit score, I bought Trans Union credit score monitoring service. As part of the service, they provide advice to improve your credit score. Since 2018, I have followed their advice keeping my debt down to manageable amounts and when possible increasing the amount of credit that I had available ( to reduce the credit utilization ratio ). After several years and a lot of hard work, per my purchased TU credit score, I was finally able to increase my score to a respectable score of XXXX. So with my improved credit, I decided to buy a house. However, after spending a lot of time, energy, and money, I selected a home to purchase. However, when I applied for a mortgage, I was shocked to find out that my mortgage was denied because my TU credit score reported to the lender was XXXX. I tried to work with TU to determine why there was a 70 point difference in the score that was reported to the mortgage lender and the score that I purchased ( and was using to drive many of my financial decisions over the last few years ). I never spoke to a live person and they were absolutely not helpful at all. I have no idea why there is such a huge discrepancy in the two scores and how I can improve the lower score reported to the lender. 

I feel it fraudulent and dangerous for Trans Union, or any other credit agency, to sell credit scores to individuals that don't represent the score that will be supplied to lenders.
Product: Credit card or prepaid card

I attempted to use my Citi credit card on XX/XX/20 and the charge was blocked or closed ( both terms used by the Citi ). There was no reason that I was aware of that the card should be invalid. When I called the Citi fraud unit, and provided the asked-for password, the representative ( speaking broken English  ) refused to help, refused to connect me to a supervisor, and told me a letter would be mailed to me ( not received ). 

Thus, I was shut out from understanding if/what fraudulent activity had occurred, which prevented me from filing a police report in the proper jurisdiction. Or possibly there was some internal failure at Citi. Either way, I have no account access, and no ability to gain that knowledge until a lawsuit is filed and it is adjudicated. 

A credit card company should be required to communicate with card holders in a timely and responsible manner. By maliciously keeping me in the dark, Citi is free to engage in violations of the Fair Credit Reporting Act and Fair Credit Billing Act by refusing me access to billing activity, which may result in erroneous credit reporting. 

Citi has a notoriously bad reputation, as evidenced by the litany of lawsuits on record, as well as the numerous enforcement actions and judgements brought by various regulatory agencies. Citi also has a notably worse reputation among all credit card issuers from among law enforcement and fraud investigators who have to deal with Citis incompetence. Not to mention the F rating at the XXXX  XXXX  XXXX. 

This company should be out of business. Hopefully, this information is of assistance to the CFPB, regulators, and legislators.
Product: Debt collection

On XX/XX/XXXX the debt collection agency ( " Law Firm '' ), " Kimball , Tirey & St. John LLP '' of XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX provided a letter to us with intent to validate a supposed debt owed of {$480.00} after we had asked. The creditor to whom the debt was owed was XXXX XXXX - XXXX which is managed by XXXX XXXX. 

The debt being described is a resident disposition which includes an itemized list of ( see attached documents ) cleaning and repair. We had provided a forwarding address to our new residence, which we had remained in for the entire duration of a 1 year lease ( See attached move out document from XXXX XXXX  ). We had never received this correspondence from XXXX Apartments or XXXX XXXX which is outside the 21 days ( California Code, CIV 1950.5 ) until we were contacted by " Kimball , Tirey & St. John LLP '', which is around 2 years after we had provided the intent to vacate. " Kimball , Tirey & St. John LLP '' had stated that XXXX XXXX did not have a forwarding address for us which is incorrect ( See attached move out document ). Additionally, the itemized list is dated XX/XX/XXXX which is also outside of the 21 calendar day policy ( 22 days ) ( California Code, CIV 1950.5 ). 

According to the above this would make the itemized list with the amount of {$480.00} without enough information to validate the debt, and a violation of California Civil Code which makes the debt invalid. Without providing enough proof or validation that despite the above facts, we owe the debt, " Kimball , Tirey & St. John LLP '' still reported this debt to my credit.
Product: Debt collection

XXXX XXXX XXXX Opened : XX/XX/2017 Origianl Creditor Name : XXXX XXXX XXXX XXXX XXXX  Amount : {$600.00} Account Closed. First Credit Card. Inexperienced with credit. Want to pay interest. Financial Hardship.
Product: Money transfer, virtual currency, or money service

XXXX 
am XXXX complaint against 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 seek appropriate redress for these violations.
Product: Debt collection

Debt was paid to other collection agency. XXXX agency and XXXX also said is the same account.
Product: Debt collection

This is regarding XXXX and the " newest '' collection agency that they're using-4th one in almost 3 years. The name of the newest one is The Collection Firm of Franklin Collection Service , Inc. in XXXX, MS XXXX XXXX has a known habit in disposing of one collection agency and moving on to another when they don't get their way. This one, however has offered a {$74.00} " discount '' if I pay the bill-they state that I owe {$240.00} which is false. 

I returned equipment at my expense XX/XX/XXXX and was informed that I would have to pay an early cancellation fee which at the time was {$350.00} yet when I moved from one home to another " in the same area '' I was told that no fees are applicable which I knew as it was just a transfer of service. 

After this they decided to implement the above fee but it was changed to {$480.00} and the total they were trying to obtain was {$650.00} which I knew was wrong but ... .they even tried to bill my credit card for {$650.00} XX/XX/XXXX without my permission but luckily the bank denied it. 

I've paid them {$410.00} as of XX/XX/XXXX and they owe me money for falsely adding premium channels at {$53.00} a month which I never authorized or ordered-they did this automatically. 

They're determined to get {$650.00} and at this point I'm realizing that no one will ever assist us people who have been ripped off by XXXX, they're not on this site either-they have too much power and every day I pray for someone, anyone to bring them down once and for all. 

This problem should have been resolved a long time ago and I should have received a refund from them but I haven't and now another collection agency has contacted me asking for {$240.00} and {$170.00} if I accept the discount. 

Again, I paid them {$410.00} which is over the {$350.00} early cancellation fee AND again, they added those premium channel fees at {$53.00} a month. 

I wrote to them so many times, to various addresses that they use. They continue calling me as well from various area codes. They have NEVER replied to my correspondence and I have finally stopped writing to XXXX. 

Thank you for your time and please help us from this deceptive, lying company once and for all. There are so many others in the same situation as us. 

Thank you.
Product: Mortgage

I have tried to refinance my mortgage with BB & T for the last 3 years and am not successful. 
In 2008 the value of my property dropped below the loan amount so I did not quality for refinacing. The property is not marketable with the loan above the loan value. I have looked at the haarp program but my exusting loan was closed two months before I would be eligible for the XXXX program. I have had a law firm helping me, XXXX XXXX XXXX firm, but they have not helped at all. 
I have retired since purchased this home and my total income is from SSI of {$1600.00} per month and my payment are {$910.00} per month. I have continued to make payments but they are very steep for me. If I could refinance with a interest rate of 3 % my payments would be reduced around {$200.00} which would be more affordable at this time. I would like to keep the home and stay here but with ssi not increasing this year and inflation still going up at 3 % it will be a matter of time before my home will not be affordable.
Product: Mortgage

I asked SPS if they could provide me with the Note and Deed Holder and who this owner of my Note and Deed is on my property located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. 

Instead they provided a DEED to a different property therefore, have NOT provided me with the requested documents on XX/XX/2023 CFPB claim # XXXX. I just received SPS 's response in the mail today and yet CFPB closed my case so I am having to submit again. Until I have actually received this requested information please DO NOT close my claim. 

I also would like all Assignments, Allonges, owner and holder of my Note and Deeds ' Ledger of accounting showing my alleged debt on their books, showing who paid what for my loan, when, where up to current calculations since the inception of this loan. 

To date, I have not received this information, let alone a Note and Deed pertaining to my property which I have given the loan number for. Instead I received documents on a completely different address/property! Yet, SPS claims they have provided sufficient information?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus where I applied for credit with your organization. I do not recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Debt collection

XXXX XXXX is a dept collector at drivetime, he has sent text messages threating repossession using a phone app which leaves .he leaves Anonymous text. He also leaves messages to references comitting third party disclosure messages to references
Product: Credit reporting or other personal consumer reports

After Reviewing the credit file copy that you sent I have recognize multiple errors on my personal information So i will like for you to remove everything and update the only thing that should be reporting is My name - XXXX XXXX XXXX My address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I wish to opt out of reporting my work place as it is a private company and dont want to be seen.
Product: Credit card or prepaid card

I had all but two disputes with this bank before they abruptly closed my account! All because of what -- Because they completely screwed up both disputes and I called them out on it and demanded they reopen them and handle them properly and appropriately?? Absurd!! The one dispute ( XXXX ) they went in the merchant 's favor after I told them that the merchant closed my account and would not allow me to return the merchandise. With the other one ( XXXX ), after I clearly labeled the type of dispute as " Merchandise was defective '' and not only told them but showed them proof that the merchant refused the return, TWICE, they emailed me on XX/XX/XXXX stating, '' Unfortunately, we are unable to move forward with the dispute as we do not have dispute rights because the merchandise was kept and not returned. Additionally, we are required to allow time for the merchant to resolve the matter on their end. '' Absolutely absurd!!! Clearly whoever handled my dispute doesn't know what they're doing whatsoever and should be demoted if not fired... So after I emailed them and called them out on the lousy way they treated my dispute, I received an email on the XXXX which states, " I've escalated your appeal to our disputes team for further review. We will contact you should we need any additional information or the issue is resolved. '' Two days later I receive an email stating they closed my account!! What is wrong with these people?!? I could really care less if they reopen my account or not. But they need to reopen my disputes and handle them the way they should be handled or else I will file small claims suit against them for the funds...
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my credit was checked by OneMain Finance. It has now been two years, and this entry should have been removed from my report, but it is still there. While this information has been removed from my XXXX report, it remains on my XXXX report. I would like it removed as quickly as possible.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against. XXXX Credit Bureau, Transunion Credit Bureau and XXXX XXXX XXXX. for their failure to correct and update my personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 

On [ XXXXXXXX  ], I submitted a formal request to. XXXX XXXX, Transunion Credit Bureau and XXXX XXXX XXXX. asking for updates to my personal information. I provided all necessary documents to verify my identity, including : [ A copy of a government-issued ID ( drivers license, passport, social security. ] [ A recent proof of address, bank statement. 

However, to date, some of my personal details remain incorrect or incomplete.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against TransUnion for failing to accurately verify and rectify incorrect information on my credit report. Despite multiple disputes and requests, TransUnion has not complied with their obligations under the Fair Credit Reporting Act ( FCRA ). 
TRANSUNION IS THE ONLY BUREAU THAT IS REPORTING THIS ACCOUNT. 

**Details of Disputed Information : ** 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 XXXXXXXX **Nature of Dispute : ** These accounts do not belong to me and have been inaccurately listed on my credit report. Despite contacting TransUnion numerous times, they have failed to : - Provide a detailed description of the verification method. 
- Supply evidence proving the ownership of these accounts.

- Offer contact information of the verifying creditors.

The inaccurate information has caused significant distress and negatively impacted my financial standing. I believe TransUnion is violating the FCRA. I request the CFPB to investigate this matter and ensure TransUnion complies with federal regulations by properly verifying the disputed accounts or removing them from my credit report.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! Capital One XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since last year I am trying to correct and delete this repossesion from XXXX XXXX Because is to many inaccuracies been reported by Equifax and XXXX XXXX XXXX XXXX report a balance of XXXX then in a second letter they are reporting to equifax and XXXX another differnt balance of XXXX and the problem is that if this a charge off both XXXX and Equifax must report a XXXX balance. XXXX XXXX is reporting this same account as charge off with a XXXX Balance
Product: Credit card or prepaid card

I made a payment of XXXX dollars to my Target credit card on XX/XX/2020. I checked my account on XX/XX/2020 and my credit limit is XXXX dollars instead of XXXX dollars. The funds were withdrawn from my bank account as a payment to Target. I called Target CS and they told me that even though I made a payment of XXXX dollars they are holding a credit of XXXX from my credit balance. They are refusing to tell me why. I have never had this happen before.
Product: Credit reporting or other personal consumer reports

Im very devastated that i have paid off a {$23000.00} dollar car loan with only 7 % left to pay and NOT ONE credit burial has given me any points on my credit report. Transunion has never given me any credit points for a 100 % flawless car payment. and XXXX and XXXX has never even reported it on my credit file. it's like im the most hated at Transunion because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX  XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for this.