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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Payment balance has been paid off resulting in a XXXX balance.
Product: Debt collection

I received a call from IC Systems regarding a account last week. Was told they just received a account opened in my maiden name in which I havent used in over 22 years. Also the rep couldnt provide any information. I requested validation ( a  wet signature ) of the contract. Told him it wasnt mine & I need more information. Was told they just received the account 7 days ago. However I received no letter, 3 calls in the same day after I requested No calls. And the account should still be in the validation period collector requesting payment. Huge FDCPA violation. I recorded the calls as well. This is Not my account and was not opened by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I done paid collections and theyre still on there. I also have inquiries on my credit that I have no idea about.
Product: Checking or savings account

I discovered on XX/XX/2020 that Chase Bank closed my account with them. I called them and they can not and or will not give me a reason for doing it. I'm on XXXX and have my monthly check direct deposited in my checking account. Now with them closing my account I have no access to my money till my direct deposit can be change by Social Security which will take 2 months. I have spoken to several people who Chase closed their account also at the same time. So it has nothing to do with any of my banking transactions. This is wrong for them to treat a person on XXXX like this.
Product: Checking or savings account

On XX/XX/2022 at XXXX my card was fraudulently used at a smoke shop called XXXX XXXX  in XXXX XXXX XXXX CT in the amount of {$47.00}. I contacted Cash App as soon as I noticed the transaction and inquired about disputing the purchase and reporting my card stolen. As you can see in our chat, they gave me the steps to do so after many hours of waiting. My card was lost and used for this unauthorized purchase. I never found my card. 

On XX/XX/2022 the transaction settled and I was able to dispute it. Today, XX/XX/2022, I received an e-mail saying my dispute was denied and I could check the app for more info which I did, and it said it was because " no error occured and I or someone I authorized made this purchase '' which is blatantly false. I contacted support asking for their reasoning for denying my dispute and was told they can't handle that over chat so someone will e-mail me but I was given no timeline for how long that would take. Back in XXXX I had a dispute for a separate fraudulent transaction which was denied because I referred too many people to their app. I will include documentation of this. I don't care about the money from that as it's probably a lost cause but I refuse to allow them to let me be stolen from AGAIN. 

I believe Cash App is treating me extremely unfairly and they are not protecting me from fraud. I'm unsure if they're discriminating against me because of the referrals I mentioned or if they just treat all of their customers this way but I would really appreciate any and all help in retrieving the {$47.00} that was stolen from me via an unauthorized transaction that I promptly notified Cash App of. I'm unemployed and that amount may seem small but it was my grocery money for the week. Regardless of that, I shouldn't have to lose my money to fraud because this " bank '' refuses to protect me against fraud. I will attach screenshots of the dispute denial reason from back in XXXX ( the referrals I mentioned ) as well as all communication thus far regarding this dispute. Thank you in advance for your assistance in this matter.
Product: Checking or savings account

I opened a savings account with Affirm in XX/XX/2021 and transferred all of my savings into this account. On XX/XX/XXXX, without warning, Affirm locked my account and denied me access to withdraw my own money. When I spoke with Affirms customer service, the representative said my account was locked for security reasons and sent me a set of questions to respond to as well as a list of documents to submit. I responded to these requests and when my account was not reopened, they sent me a new set of questions and requests, again saying it was for security reasons. Each time I responded, they said I needed to wait 5 business days for a decision. When they ran out of questions, they said that the online withdrawals were not going through because of technical issues on their end. They then promised to do a manual withdrawal, but this also did not work. The withdrawal would show up as in process in my account and then disappear before completion. The reason they stated for this was that there was a different name on the account that I requested money be transferred to, which is not true, and then they started asking for copy of documents from the bank I want to transfer my money to. To date, I have opened several complaints with customer service, and they were all closed without being resolved. All the records related to my withdrawal requests have been deleted or disappeared and customer service says there is no record of any attempt to transfer funds. Despite answering all of their requests and following their instructions in good faith, I have been unable to access my money for over four months while they have the ability to use my money for other purposes. I am concerned that despite all of my efforts, I will not ever be able to get my money back from Affirm. I am a United States citizen, however, I feel that Affirm is trying to take advantage of me since I was not born  in the US and have an accent.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND FUNDING for committing identity theft. I have never given MIDLAND FUNDING any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any type of documentation requesting validation from MIDLAND FUNDING before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND FUNDING can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND FUNDING can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND FUNDING continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND FUNDING will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

someone got online and tried to purchase a vehicle in my name
Product: Debt collection

XXXX XXXX from JMS Associates ( XXXX ) XXXX called our office asking for XXXX XXXX who is an old associate of this company. The gentleman advised that it was impertinent he speak with XXXX this instant regarding a financing settlement in their office and pushed and used aggressive speech and tactics to try to get me to give away XXXX contact info. I advised him that XXXX no longer worked in this office and he rudely replied again in an aggressive tone that this is the number XXXX provided, as if I was lying about XXXX no longer being affiliated with us and demanding to get his contact info. Once again I said to him that he was calling an office line and that XXXX no longer worked here but that I would take his info and give XXXX the message. We hung up. The next day the same guy calls me with the same tone, I reminded him XXXX no longer worked here but that I did him the favor of giving him his info for him already and that he was not to call this office anymore. He began yelling at me telling me I did no favor for him and that he had every right to call and that I had no idea what I was talking about and proceeded to harass and use aggression and yell at me with rude behavior until I finally hung up. This is a violation of section XXXX which constitutes a {$1500.00} fine. This man # XXXX should not be discussing someone elses debt with me over the phone and telling me about XXXX settlement and I am not the debtor nor is he allowed to use those tactics with the debtor. He also did not identify himself as a debt collector when calling. He said he was a law office calling about a financing settlement. When I look online it is clear this office is a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My car was stolen and my personal information was inside it. My id was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute process was not done correctly per the FCRA. The paperwork is not being attached to the dispute and I am not getting copies of the verification process.
Product: Debt collection

I am not liable for this debt and I do not have a contract with this company. They have unlawfully placed a collection on my consumer report!
Product: Mortgage

We have a mortgage loan # XXXX with XXXX XXXX XXXX. Is the XXXX note subject to the same settlement and remidies as the XXXX note, ordered by the Department of Justice?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

American Advisors Group license number XXXX has been promoting their reverse mortgage program on television and social media. They offer a free information kit. I have inquired a number of times over the past 6 months and they have failed to send the promised kit. My last contact with them was on XX/XX/XXXX, XXXX. I was persuaded to speak with a loan representative. He was reluctant to give me his NMLS id #. He finally said he only recently received his license. I did a search and found that he has had a license for over a year. His name is XXXX XXXX XXXX XXXX XXXX # XXXX. He assured me the kit would be sent and I have not received it as of today. 
I am not even sure this company is legit or just phishing for info. Don't companies have an obligation to deliver their product or kit as promised?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am writing to formally request that you block information appearing on my consumer credit report that is the result of identity theft and fraud, as provided under FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect this action to be completed within four business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX XXXX XXXX Services Account Number : XXXX Date Fraud Began : XX/XX/XXXX These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries as they were not opened, made, or initiated by me. All mentioned accounts are the direct result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof that these accounts and inquiries are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The bank Wells Fargo has been keeping the balance same for almost a XXXX now after paying almost {$3000.00}. When asked why is it still the same customer service always says its the interest or late fees always making up non sense. Loan was originally signed for XXXX XXXX and during the pandemic they changed the duration with my knowledge but its been XXXX XXXX since loan was opened and i still have XXXX XXXX of loan payments to do which makes no sense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX I have been trying to get the clear for 3 years now. My address, phone and email are above. Remove all addresses other than the one listed, I have never lived in Florida. This is my life and my informarton I need you to get this corrected. I just viewed my credit report and this is destroying my credibility. 

My one and only First and last name is XXXX XXXX XXXX and I have no other names or aliases. Please remove all other versions of information from my report I am requesting you remove all information that is incorrect. I am including my notarized License that I sent you all for up to two years now. Update my identifiers. 
USING YOUR INDIVIDUL WEBSITES DONT WORK Equifax you cant even reset a password, XXXX wont allow you to update or even dispute, XXXX does everything for payment 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in person
Product: Checking or savings account

On XX/XX/2023, I opened an ESTATE OF XXXX XXXX ( DECEASED ) account, with a {$100.00} deposit. This account was opened for the disbursement of funds held in escrow. 
On XX/XX/2023, late afternoon, XXXX XXXX XXXX, wired {$55000.00}, to this account. The account had no checks, or ATM cards issued by Bank of America ; Yet, someone using CUSTOMER WITHDRAWAL IMAGE, withdrew {$1000.00}, on XXXX XXXX. XXXX days later, CUSTOMER WITHDRAWAL IMAGE for {$10000.00} was taken from my father 's estate account. There are approximately {$55000.00}, taken from this account without my authorization, and without my knowledge. This had to be done within the banking system. Today XXXX XXXX, my account is overdrawn {$3.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Credit card or prepaid card

There were many charges made to my credit card from XX/XX/XXXX through XX/XX/XXXX, mostly at gas stations that I did not make. The fraudulent charges at gas stations in cities that I had not even gone to totaled {$2600.00}. I reported these as fraudulent charges to Citibank and they responded with the following message : " We've completed our investigation and your dispute is now closed. During the investigation, it was confirmed that you participated in the transactions with the merchant-we didn't find any evidence of fraud. Additionally, you verified that your card was in your possession a the time of the transactions. '' Although the card was in my possession I DID NOT MAKE THESE CHARGES. Someone obviously stole my credit card info and was using the card to make gas purchases, mostly in XXXX Michigan. I have been to XXXX only once since XX/XX/XXXX and yet there are numerous charges for gas at XXXX gas stations.
Product: Checking or savings account

on Monday, XX/XX/XXXXi went to deposit a check into the wells fargo ATM. i went to the Wells Fargo ATM because a Wells Fargo bank teller told me that if i deposit a check into an ATM, the funds will be available immediately. after depositing the check, i checked my account to see if my funds were available and they were not. they were pending. i proceeded to call Wells Fargo customer service to ask why my funds are constantly put on hold when i deposit a check. they didnt help at all, they just told me the funds will be dispersed the next morning. This has happened every time i deposit a check. Wells Fargo also blamed the Federal Reserve and stated that they were still processing the transaction. i then proceeded to call the Federal Reserve to make sure. The Federal Reserve told me that it was all on Wells Fargo and it wasnt up to them. they then told me to file a complaint with this service. Wells Fargo has put a hold on my funds several times and that is not okay with me because i depend on those funds on that day and am now XXXX on how im going to XXXX today.
Product: Credit reporting or other personal consumer reports

At the beginning of this year I requested from all the major credit report companies my credit report because I notice while checking XXXX XXXX, that it said I had {$64000.00} in XXXX loans debt when I reconfirmed then and again today with my federal XXXX XXXX provided XXXX that my account balance is only {$30000.00} dollars. Plus its just impossible for me to have that much debt when I got the maximum amount of loans I could four years ago in XX/XX/XXXX. XXXX XXXX XXXX and TransUnion are reporting that I opened more XXXX XXXXoans years after my graduation date including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I requested the a credit report via mail in XXXX I believe because thats the only free option they gave me. XXXX and XXXX both mailed me the report but I never received my report in the mail from TransUnion and I can prove this because both the XXXX and XXXX reports have exact same date for when the report was made. I then submitted a dispute via XXXX XXXX, which notified TransUnion on XX/XX/XXXX, that I believed my entire report was incorrect but all they did was change a the single loan that the dispute is attached to because you cant dispute more than one loans at a time and it takes at least a month for the dispute to be processed. Around this time I was literally getting promoted to be a XXXX so I let the matter go for some months till now again seeing TransUnion and XXXX XXXX are seemingly adding my brotherXXXX XXXX loans and other personal/auto debt onto my credit report and I believe its ruining my chances of getting loans to start my own business or simply getting credit cards or anything having to do with credit. After sending a dispute sayingy entire report was wrong they only changed a single loan on my statement. I explicitly expressed that the entire report was wrong. And honestly I dont even know how long its been since theyve been misreporting my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Against : Avant XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Illinois XXXX My loan details Customer ID : XXXX Loan ID : XXXX My Complaint : Company is reporting account incorrectly on credit report, deliquent account was never charged off, creditor continued to poison my credit report for 3 years, reporting 120 days late every month. Number of days late per month was incorrect. Contacted company to pay off loan and come to a fair good will compromise and the company refused and states they were reporting my account correctly every month and would not revise the reporting.