23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Wednesday, XX/XX/XXXX XXXX purchases were made on my XXXXXXXX XXXX  app for pickup in the state of XXXX  using my Chime debit card. I live in XXXX XXXX. The first purchase was made at XXXXXXXX XXXX for {$100.00} and the second was made at XXXX XXXX for {$190.00}. XXXX has acknowledged that I did not make these transactions, but Chime has denied my claims over and over. They continue to tell me that they are escalating the investigation to deny it a couple of days later. I have provided them with screenshots from my XXXX XXXX app that shows the address of the XXXX where the order was picked up and XXXX told me that they have it marked in their system as an unauthorized purchase, so I don't understand how CHIME is finding that there was " no error that occurred ''.
Product: Debt collection

RESURGENT/LVNV FUNDING appeared on my credit this debt is not mine. looks like I am a victims of fraud or Identity theft
Product: Mortgage

The company " XXXX XXXX XXXX '' keeps sending us junk mail about VA refinances. The problem I have with them is the " Final Notice '' portion that appears on the envelope through through the transparent section next to our address. This deceives into thinking it might be a late bill, jury duty, etc. Fortunately I am aware of deceptive tactics like this but others may be fooled. Please make them stop using deceptive tactics like this.
Product: Credit card

I was applying for an American Express Gold card so that I could purchase presale tickets. I told the agent I only wanted the card if it could be issued before the presale date. He assured me the card would be expedited so that I would have it within 2 business days. Based on this information I applied for the card and was approved. After it was approved, the agent told me that in fact the card would take XXXX to 10 business days to be issued. I spoke with a supervisor and explained that I was given false information in order to apply for the card, but was told there was nothing they could do about it. Further, they told me that the Gold card can not ever be expedited, which means the agent knowingly gave me false information in order to get me to apply for the card. After spending an hour talking to customer service, all they would do was try to get me to submit another application for a Platinum card. They do n't seem to care that their agent gave someone false information to get them to apply for the card. All they care about is that I now want to cancel the card. The credit inquiry is now on my credit report and I now have a credit card that I do n't want.
Product: Checking or savings account

I was a victim of fraud and my accounts and personal information were used against me and my bank account with Wells Fargo leaving me with a high negative balance of over {$4000.00}. Most of information was stolen and used against my will. I reach out to the fraud department and claims, they said they can not help me, but theyre closing my account and they reversed the money taken into my account which leaves me at a negative balance on my account that they are closing. They said, they can not help me with a scam unfortunately.
Product: Debt collection

This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. 
The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 
Be advised that verification is defined ( XXXX 's XXXX XXXX, XXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 
The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z. 
The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.

The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX - XXXX partial account number XXXX and Transunion partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Credit reporting

I have a report of XXXX hard inquiries reflected on my XXXX XXXX reporting of my transunion credit report. There should only be XXXX : XXXX of the inquiries were made on the same date, and were made to obtain an auto loan ( had I know the car dealership was going to do that, I would not have authorized the inquiries ). According to all the credit scoring information out there for consumers, these should only show up as a single hit to my credit score, but they 're not. They 're showing up as XXXX. I tried asking the lenders for a letter of deletion, as I was instructed to by transunion, but the lenders refused, saying that to do so would be illegal.I have asked transunion to remedy the problem, and was directed to ASK THE LENDERS FOR LETTERS OF DELETION THAT THEY WILL NOT PROVIDE. The scoring model that XXXX uses is the XXXX model, and XXXX will not fix the problem either, directing me back to transunion. Meanwhile, I 'm trying to get a mortgage and can not pull my score up by those XXXX, very necessary, points. I feel as though I 'm being held hostage by this process and have no remedy except to sue somebody, an that wo n't solve the problem quickly enough to help me secure the mortgage I need to get my family into a very reasonably priced home.
Product: Consumer Loan

Can you please refer to case  XXXX  the information that was provided does n't make sense and I have not heard anymore from them. They provided documentation that actually supports that I have paid this loan in full and it 's not being reported correctly on my credit report. I stated in the original complaint that I believed my loan to be paid in full per their documentation the original loan amount was {$1600.00} as this place was a rip off when I sat down with the person enrolling I was skeptical because of the price and I was sure that my  2 p ayments was the enrollment fee and the  XXXX  was activity fees. The rest of their records are incorrect as you had to pay prior to each class. They state that my daughter attended all  10  classes and they allege I only paid thru  XXXX . That is ridiculous and untrue no company would allow me to atten d 4  more months thru  XXXX  without making a payment. per their records this is untrue and as you see I mostly paid with cash at the beginning of class prior to the start you could not attend without making a payment when you brought your child. I always paid prior to class. This amount is incorrect.
Product: Credit reporting

I have contacted Experian numerous times to have items deleted. There are XXXX negative accounts still reporting that clearly violate the 7 year fair reporting act but Experian refuses to discuss this any further. If I do not have this information removed in a timely manner as per the 7 year fair reporting act I will have no other choice but to proceed with legal action. Please review this case as the 2 reporting accounts have clearly surpassed the 7 year reporting requirement thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there are negative information reported by American Express in amount of {$3600.00}, and {$970.00}, XXXX XXXX in the amount of {$4500.00} and {$3500.00}, XXXX in the amount of {$1600.00}, XXXX XXXX in the amount {$0.00} openedXX/XX/XXXX and showing 120+Days Late and closed with a return mail request, XXXX XXXX XXXX in the amount of {$0.00} openedXX/XX/XXXX with charge-off status, XXXX in the amount of {$0.00} openedXX/XX/XXXX with payment status charged-off and return mail letter, XXXX XXXX XXXX in the amount of {$14000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$10000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$6500.00} with charge-off status, XXXX XXXX XXXX in the amount of {$5500.00} with charge-off status, XXXX, XXXX, and XXXX on my credit file they maintained under my Social Security number. I sent all the listed creditors letters onXX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked the original creditors as well as XXXX, XXXX, and XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked the original creditors I listed, as well as the XXXX, XXXX, and XXXX, that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. As of XX/XX/XXXX, no one from the original creditors and the Credit Bureau still have not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was also told by original creditors, as well as the 3 credit bureau, XXXX, XXXX, and XXXX, that they do n't have to show me any proof of a signed contract, bearing my wet signature, and that I heeded to take it up with the Credit bureau to get it removed. In other words, giving me the run around. When requesting documented proof of the contract and asking to show proof I consented to having the original creditors run inquiries, bearing my wet signature, the original creditors sent me billing statement stating this was verification. I never asked for billing statement because that 's not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Product: Money transfer, virtual currency, or money service

Sent a wire to coinbase on Tuesday. Called my bank and confirmed it was accepted but the funds are still not in my usd wallet in coinbase account.
Product: Debt collection

Thank you for the opportunity for XXXX to bear witness to your failure to respond to the issues I presented in my complaint # XXXXXXXX_through the CFPB. The issues which you avoided went right to my fundamental right to be free from inaccurate reporting as well as fraud and identity theft. One can only assume that the avoidance of those issues is an indication that you have more to hide. Your company failed to provide a responsive answer which would satisfy my right to information requested. I wish to make public notice of the following : 1. Notwithstanding the production of any substantively admissible facts to the contrary, the following shall stand as facts not reasonably in dispute in any adversarial proceeding : a. Your company furnished negative information to one or more consumer reporting agencies as evidenced in the above referenced complaint. ( See exhibits in the above referenced complaint ID # ) b. I filed a complaint with the cfpb. The complaint challenged the legal sufficiency of your actions. 
c. Your companys response appears intended to misrepresent and mislead me into believing that your company is in possession of sufficient substantively admissible facts to establish your right to report or collect on an alleged debt without having produced said facts. 
d. Your company has failed to provide me with substantively admissible facts sufficient to show that you have or had my express written authorization to use my personal identifying information in connection with the collection of the alleged debt in question. 
e. Your company has failed to provide me with verification of the alleged debt in question or contract in the form of a credit application. 
f. Your company has failed to provide me with substantively admissible facts which would show that I have agreed to any terms and conditions relative to an agreement with your company. 
g. Without a witness to swear to proof of service/proof of mailing of any billing statements, I am forced to deny the existence of any such account stated. 
h. Since the filing of the CFPB complaint specified above, I mailed a complete denial of the existence of any alleged debt and such mailing was not returned to me as undeliverable. 
i. Your company has portrayed me in a negative light to one or more consumer reporting agencies and in an unconscionable attempt to cause me to surrender money, rights, or property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received feed back from TransUnion of the complaint that i had on XX/XX/XXXX that stated my affidavit was not excepted when it was notarized and also had a police report attached to it the accounts the came back on my report where already previously deleted and i have proof of that. Trans Union never sent me a reinsertion letter telling me that these accounts will be put back on my report after they where already deleted on XX/XX/XXXX i was told by a transunion representative that they don't control what someone else puts on my report they just have to dispute it as it comes and i simply asked the lady why do they have to investigate something that was already closed out and deleted she told me i would need to speak with the creditor about that. From my understanding transunion is not doing there part by reporting 100 % accurate information and not taking proper legal documentation seriously a notarized affidavit and police report are legal instruments that can be used in the court of law but they are saying they where not accepted. So now i have to wait an additional 45 days for accounts that where already deleted off my account to be deleted again and the representative also told me that it does not matter if the accounts were fraudulent and that i sent in paper work showing proof they still would have to file another dispute and i would have to wait an additional 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and Equifax and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.
Product: Credit reporting or other personal consumer reports

I have tried many times with Experian to have a date put for the removal of a late payment on one of my cards, XXXX, but instead, they updated the company to make it stay on longer. I have called my attorney. All cards with a late payment should have come off after bankruptcy was discharged ; the only thing that should show is the bankruptcy itself. And if the accounts did not, they definitely should fall off in 7 years from the late payment. All my accounts had these dates except the XXXX, and now Experian is telling me they will stay on for 10 years. I called XXXX XXXX XXXX, and they even said it should come off in 7 years. Experian would not allow me to speak to a supervisor. I understand the bankruptcy stays on for 10 years, but each individual account should come off ; most were scheduled for 2025
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists my XXXX home loan as a revolving account credit card. The loan converted five years ago to a mortgage loan with no line of credit. It is now a real estate mortgage of $ XXXX on a $ XXXX house. 
Instead of showing the financial world this $ XXXX untouched equity, Experian reports that I am using over 60 % of my available credit which negatively affects my credit score. 
I have filed a dispute with Experian three times. Experian did not move this account from Revolving Credit to Real Estate accounts. They posted my statement on my report ( which no one reads ) and continued the negative effect on my Credit Score ( which everyone reads ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM VICTIM OF IDENTITY THEFT, I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XX/XX/XXXX Account XXXX Account Name : XXXX XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : XXXX5 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 or other personal consumer reports

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying XXXX XXXX XXXX tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and there are inquiries i do not recognize. I have an identity theft affidavit in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently asked XXXX  Consumer ID : XXXX .for my consumer report because i applied for 2 credit unions and was denied due to the contents of my report. I know i had nothing negative on my report so I was surprised when those Credit Unions turned me down for membership no thanks to a credit lookup they did on my XXXX report. Apparently there are 2 inquiries that are past 2years! Credit repositories are only supposed to hold inquiries for 2years. Credit inquiries are required by law to remain on your credit reports for 2 years. 1 ) Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. The list of following Inquiries are ones I dont recognize at all! and I didnt authorize to pull my XXXX  report. Per FCRA 604 To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.. Either Validate this data with them which i assure you they WONT BE ABLE TO! or delete the following as soon as possible as it has hurt my ability to obtain credit and goods both which are punishable by federal law. 1 ) UNKOWN Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) 1 ) UNKOWN Inquirer : XXXX XXXX  Inquiry Date : XX/XX/XXXX 3 ) 1 ) UNKOWN Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4 ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

The XXXX XXXX XXXX bought debt and has tried to contact me about paying off the amount that is no longer my responsibility. I have no knowledge of this account and the company could not provide me with any written agreement information regarding the responsibility of the debt