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

TransUnion is reporting inaccurate information on my consumer credit report. I have previously contacted them but did not obtain cooperation. I have also attached proof of my identity XXXX Driver 's license, social security card, and credit card ) because TransUnion has failed to investigate prior complaints alleging that they were not submitted by me. It should be noted that these after investigation, these accounts were removed from my XXXX  consumer credit report. Please see attached FTC Fraud Report and other related attachments
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit bureaus all 3 XXXX, Equifax and XXXX XXXX would not remove Hard Inquiries when asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Finance is reporting an inquire on XXXX  credit report but has been removed from XXXX  and XXXX. I sent the company a dispute letter several times with no response on the issues that they are reporting not on all 3 credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a XXXX, and got an email from CashNetUSA on XXXX XXXX, XXXX for someone else -- her name is listed in the email -- advising she was denied credit. I can only presume this person filled an online application out and made a mistake in the email address -- so it came to me. 

I emailed the company to advise of the issue, presuming they would contact the applicant. 

Instead, they sent a further email including the person 's credit score and reasons she was denied credit. This is a huge privacy breach, and while she may have made a mistake in typing her email address on the application, I emailed them specifically to advise of the mistake and whatever system they have in place replied with personal information that I should never have seen. I do n't know the applicant and do n't have enough information to find her and inform her of this issue, and the company wo n't respond, so I wanted to let you know as this is something I 'd be concerned about if the tables were turned.
Product: Debt collection

It appears that the universe has bestowed upon me the honor of educating others on the value of privacy and the importance of safeguarding information. How delightful! 

On XX/XX/2022, certain information purportedly belonging to me has been pilfered, wandering off into the murky abyss of unauthorized access. A credit card was taken in my name for {$300.00} and was given to Collections in XX/XX/2022. 

This information was a mailed surprise as USPS ensured to forward these mails to my address. I still fighting this battle with disputes and reports. How delightful.
Product: Debt collection

I debt was paid as agreed and on time. They show it as COLLECTION ACTION PAID. That is not accurate. That needs to be removed from all credit reporting agencies XXXX ALPINE CREDIT INC # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CO XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 


XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Checking or savings account

I deposited a check on the date of XX/XX/year> through an atm from the branch Chase bank an amount of XXXX. Then later I deposited with my phone through the app with an amount of XXXX. The day that this was supposed to be available they closed my account and terminated relationship with me right away with no opportunity to do something about it. When I called they told me I need to provide a phone number to release my checks which I provided plus is the phone number printed on the checks. The company doesnt have any other phone number than the phone numbers of the differents branch they have around the US . I provided the company phone number as required and they havent been able to release my checks which I dont have any other way to get them. They said they would give it to the state in a certain time and I wont be able to have this money in XXXX  years or never. Ive tried to provide proof of work, year tax reports, any other tool to proof I work in this place. 
I also got a direct deposit that is been hold from my other job. This is an amount of XXXX the company name is XXXX. They are holding on this one as well. Making a total of XXXX hold on my account. Plus any other amount of money which I dont remember well how much I had before I got the direct the deposit and the checks I deposited. 
Theyve told me to recall the checks but this havent been possible either because my account is closed. Ive been running in a circle where I have no choices more then loose money. I would like to get helped.
Product: Debt collection

These company are reporting late and should have XXXX balance. I have never been late on these account.

1.Tower Loan should be reporting paid in full with no lates. 
XXXX. XXXX XXXX XXXX should be paid in full with no lates XXXX XXXX XXXX should be reporting paid in full with no lates. 
XXXX. XXXX XXXXXXXX XXXX  should be paid in full with no lates XXXX. XXXX XXXX should be reporting paid in full with no lates
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding unauthorized credit inquiries appearing on my credit reports from TransUnion. These inquiries were made without my consent, and I believe them to be indicative of potential identity theft. 

Upon reviewing my credit reports from each of your bureaus, I discovered the following unauthorized inquiries : XXXX XXXX Inquiry Date XX/XX/year> and XXXX XXXX Inquiry Date XX/XX/year>. 

I want to emphasize that I did not authorize any individuals or entities associated with these inquiries to access my credit reports. This is a clear violation of my privacy rights and raises serious concerns about the security of my personal information.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$230000.00} XXXX XXXX Balance : {$10000.00}
Product: Debt collection

I was a victim in the Equifax information breach where my information was stolen by XXXX knows who and ever since I've had random charges and accounts opened. I've attempted to reach out to one of these companies in particular who will not work with me and understand and at the time I did not know my information had been stolen from Equifax at that point. Now after researching I've discovered that that is the case and I have the paperwork to show as well. I need to have national credit adjusters that shows as a write off removed from my credit report immediately as I have stated over and over and are you the fact that it is not mine and never was and I have no clue where this company even received my information from. I've never done business with them or given anybody permission to have my information so I don't know what it's even comes from but now I do.
Product: Debt collection

CBE Group summit bad remarks on my credit last XX/XX/2018 where is possible to send proof of full amount las XX/XX/2018 directly in XXXX XXXX office
Product: Debt collection

This debt was paid with XXXX assistance and went to collection hospital says I do n't owe it I faxed proof to company all ready and still will not put it as paid company will not accept my proof bills are from XX/XX/XXXX though XX/XX/XXXX the person I talked to was unwilling to try to help and said I owed it no matter what but I have never received no bills to this matter just found on my credit report ...
Product: Credit card or prepaid card

someone got a credit card in my name at XXXXXXXX XXXX XXXX XXXX i don't have the card but it is showing in my credit report. i don't know how someone was able to do this without my ID. It shows in my XXXX XXXX dated XX/XX/2022. a XXXX $ charge.
Product: Debt collection

Reported a collection item on my credit for XXXX from 2014 ... I did not have XXXX service in 2014 and have not for at least 7 years. I believe I have disputed this before and gotten it removed but have not seen it in several years. Popped up again this month.
Product: Debt collection

XXXX XXXX XXXX XXXX contacted my place of employment and called me claiming to be outside my home and my job to serve me with " litigation. '' I contacted them and spoke to a paralegal who told me that they had filed a lawsuit against me. I asked him not to contact my job after they had already called my employer and said they had certified mail to deliver to me. He said that he could not stop contacting my employer because they were attempting to process serve me with a lawsuit. After i reveled to him that he was speaking to a lawyer he admitted that it was not actually a lawsuit but a demand letter. He then said he would put a " hold '' on everything as a curtsey and not contact my job but threatened me that if i didn't handle the demand letter they had no issue suing me. The debt they are claiming to collect on is over XXXX XXXX XXXX and i have not heard from this company in over 10 years. He threatened me and was rude to me during the entire phone call. He lied about an active lawsuit which was never filed and refused to stop contacting my job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date : XXXX **Consumer Financial Protection Bureau ( CFPB ) ** 1700 G Street NW Washington , DC 20552 **Subject : Complaint Against Experian Regarding Unfair Credit Practices** Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian regarding their unfair credit practices , which I believe violate consumer protection laws. 

**Details of the Issue : ** On [ XXXX XXXX, XX/XX/XXXX ], I initiated a dispute with Experian concerning inaccuracies on my credit report related to my account with XXXX XXXX XXXX Despite my efforts to provide updated information and documentation confirming my account status, Experian failed to adequately investigate my dispute. 

Experian 's actions have been misleading and deceptive. For instance, they reported my account on XX/XX/XXXX, but just a few minutes later, they deleted my XXXX XXXX XXXX account, which has resulted in a shortened credit history. This misrepresentation has adversely affected my credit score and limited my access to financial opportunities. 

I have a letter from XXXX XXXX confirming that they have updated my information and reported it to all three credit reporting agencies. However, I continue to receive disputes from Experian stating that this account is not showing on my credit report. Despite reaching out to the CFPB and FTC, Experian continues to ignore my requests, regardless of the documentation I have provided. 

I have made multiple attempts to resolve this issue directly with Experian. When I called their customer service on [ XX/XX/XXXX ], I found it impossible to get in touch with a live person. Their automated system took me around and around without providing any meaningful assistance. 

Given these circumstances, I urge the CFPB to investigate Experian 's practices and take appropriate action to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. I look forward to your response. 

Experian intended to mislead consumers. They can include false advertising, misleading claims, and failing to deliver promised products or services. 
Examples of not reporting all accurate information on credit reports, failing to update information from the original creditor. 


PLEASE SUBMIT THIS TO THE CFPB OFFICE FOR REVIEW
Product: Vehicle loan or lease

I was told I was behind about 3 months and the total was {$1800.00} and I paid it, the young lady understood that I wanted to get my car back but i said I was going to sue and she immediately advised she had to transfer me because I said sue and I could no longer have the arrangement to have the car back and she transferred me to the legal department and they sold my truck for about XXXX and then dropped the balance of XXXX on my credit report.
Product: Checking or savings account

I currently bank with us bank and was a victim of fraud where someone cashed checks out of our business account. I filed a claim with the bank and went through a lengthy paperwork process and got the funds refunded back to me. Then few months after the same thing happened and I went through the same process of filling a. Claim and police report. After 2 months I get a letter stating my claim was denied. I contacted the bank immediately and was told that in the claims paperwork was a form called the indemnity Agreement which relieved that bank for any future fraud. At no point was I explained what I was being asked to sign nor was I ever told to close my account down. I have been left high and dry by my own bank and has put my business in a financial bind due to the non reimbursement of the fraudulent charges.
Product: Mortgage

Hello, I am not having difficulty refinancing with my existing mortgage company. I am not looking to refinance with them. 
My difficulty is with the information that my current mortgage company Specialized Loan Servicing, SLS provides to companies that I apply to for refinancing. My principle balance on the loan is approximately {$9000.00} as evidenced by information on the website. However, in a recent inquiry from a potential refinancer SLS stated that my balance is {$130000.00}! 
In fact, I have requested a copy of my most recent refi with SLS that happened approximately five years ago. I was told that the most recent request was mailed XXXX. I do not have it yet. I made three prior requests for copies as well. Two requests were made in XXXX of last year and most recently in XXXX of this year. 
When the loan was sold to SLS in XXXX it was conventional with XXXX months. Far from ideal, but a portfolio in which my loan was included was sold. In fact the organization that sold the loan to SLS was not the loan originator. My loan had been firmly established. 
In XXXX I inherited a childhood home that I sold one year later. Until I sold it, I rented to tenants who were often late with payments. I was left in the position of managing a home equity line of credit and two mortgages- my own and the remaining mortgage on my family 's home. I survived by selling the house in XXXX. In fact I am in a far different position now. During that time SLS offered what had been presented as a 30 year fixed mortgage. What it appears that I have is a 52 year mess. How does one go from a 30 year fixed conventional loan to a refi of 52 years WITH a balloon attachment? I became aware of the balloon attachment when I checked my credit report, and it stated that my balance on the house was {$120000.00} last year. It was recently presented to XXXX XXXX at {$130000.00}. 
My principal balance on the loan in XXXX XXXX  was {$88000.00}. This was according to the information on SLS 's website.

I have complained to CFPB in the past about SLS 's affinity to negatively amortize loans- my escrow payments were far out of proportion to my principal payments. As a result, the escrow payments were spread out over five years.

I am NOT willing to pay SLS {$130000.00} on a principal balance of {$88000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Debt collection

Starting on or around XX/XX/2013 I started receiving harassing and threating phone calls and texts on XXXX from XXXX XXXX who works for XXXX XXXX XXXX. Prior to I never had a missed payment but I had traded in my XXXX XXXX XXXX which had been paid off by XXXX XXXX XXXX XXXX. I receieved email confirmation that XXXX  again had paid off the XXXX but someone XXXX XXXX after recovering payments on the vehicle still requested payments for the XXXX. Was told by XXXX XXXX XXXX XXXX backed out on the loan and wanted their check back. XXXX not only found me on social media but was stalking me on XXXX and everything else for 1 payment. All due to a trade in mishap. I eventually blocked XXXX.
Product: Credit card

I have been a customer with Synchrony Bank XXXX XXXX XXXX XXXX  card for several years. Never missed a payment, kept low balance sometime no balance and all of the sudden the company ran my credit report without my permission and closed my account. They never informed me or reached out to me or asked permission to run my report. Apparently because I currently have high revolving credit account with high balances theu decided to close my account. I have never had this ahppened before even when I have fallen behind in my payments with other companies they have taken the liberty to close my credit account, I have never had a credit card company run my credit report without my permission. 
The law in the Fair credit reporting act protects the consumer https : //www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are predatory lending practices and are out of the scope of the law. This company should not be allowed to operate. I will never do business with this company ever again in fact my wife and I will be closing any synchrony accounts that we have. Also when I use their chat portal to discuss this with a representative and account manager when I wanted to print the chat all of the sudden the feature was not working after I told them I was going to file a complaint. I am attaching the picture of the message in the chat portal.
Product: Credit card

I noticed a credit inquiry from chase bank through XXXX. The date was XXXX. I never applied for this. I've been trying to contact Chase for 2 days now for a total of XXXX hours on the phone. This inquiry needs to be removed.