23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After receiving my monthly consumer report, I l reviewed it and noticing several accounts that's reporting to my consumer report without my consent and which is also inaccurate or invalid. I've mailed Equifax a dispute letter asking them to investigate this account that isn't authorized to be reporting. Without my consent, that is a violation. This unverified account is negatively impacting my credit score in which it doesn't even belong. How are they reporting a debt if there aren't any agreements by me to report it? How can I owe a debt if me and the creditor never had any existing agreements on a balance in order for this debt to occur? I have no knowledge of this company reporting this account in which Equifax should be able to see that we haven't agreed on anything. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account shouldn't be reporting.

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect payment history reported, In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

Hello : In XX/XX/XXXXI purchased my residence, a new home that cost {$210000.00}, with a down payment of {$70000.00} that was required at closing by XXXX XXXX. The payments were around {$1100.00} a month after paying the monthly payment with {$100.00} extra towards the principal they lowered my payments to around {$1000.00} by the year XXXX. In XXXX I became XXXX unable to work contacted XXXX XXXX  immediately. Advised them of the situation, they said they could help with a modification. We began working on the Making Home Affordable Loan. After working on the loan, I was told I was appoved. I just had to make 3 payments of the amount which I did. They accepted the payments, but Foreclosed on me sold the house to themselves broke in changed the locks. At the time I was working with Legal Aid who contacted XXXX XXXX who after checking the payments that were accepted told XXXX XXXX to let us move back in. Which we did, and we were told that the sale would be rescended. XXXX told Legal Aid and myself that it would take some time for the lawyers to rescend the sale and they would get back to us. The next month I make the payment they send it back and tell us they are n't accepting any payments. I wait some time, cotact the lawyer we force them to put the house back in my name after rescending, with a good faith promise for a modification. After months of paperwork they forclose on us. Legal Aid advises of filing bancruptcy which I do. In bancruptcy XXXX sells the account to Green Tree which approves me for a modification in XXXX every payment is being paid. Green Tree hands us to Ditech LLC which is XXXX, but our payments are still being maid. The bancruptcy ends in XXXX of XX/XX/XXXXbut payments are still being paid no problems. XX/XX/XXXX my phone rings XXXX XXXX says you owe Ditech {$44000.00} how do plan to pay. I ask her how do I owe Ditech that money she says you have n't paid what I owe and my modification was never approved. I tell her I was told that thew bancruptcy paid {$29000.00} to XXXX XXXX, Green Tree and Ditech on top of us making our payments. She says I will look into it, on XX/XX/XXXX I receive 3 letters from Ditech that say that contact us for your past Due amount of XXXX. I have the bancrupty payments the Ditech mail delivered and the approval from Gree Tree. Also the first time I hear about past due amount is 3 weeks before selling my home on XX/XX/XXXX.
Product: Credit card

I am writing to express my concerns about potentially misleading advertising practices related to credit card offers on your platform. 
Specifically, I am concerned about the use of terms like " guaranteed approval '' or the suggestion of a " {$50.00} XXXX card '' as an incentive to apply for certain credit cards. I believe these promotions XXXX be misleading, as they XXXX lead consumers to believe they are guaranteed approval or that they will receive a XXXX card regardless of approval status, which XXXX not be the case. 




I have attached copies of all my denied credit applications. These were all credit karma guarantee approval. I have yet to receive any allocated funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are being updated rith away XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that XXXX, as a credit reporting agency, immediately block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint : XXXX XXXX XXXX Account Number : XXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$1000.00} XXXXXXXX XXXX Account Number : XXXX {$48000.00} XXXX XXXX XXXX Account Number : XXXX {$6200.00} These accounts, along with associated hard inquiries and collections, are the result of identity theft and fraud. I have attached a copy of my consumer FICO credit report from XXXX, which clearly shows these fraudulent items. Additionally, I have included a list of the fraudulent hard inquiries and a copy of my FTC Identity Theft Complaint # XXXX as evidence. 

I request that you take immediate action to remove this inaccurate and harmful information from my credit report.
Product: Credit card or prepaid card

Before the summer this year, I applied XXXX premier rewards gold card and got approved. I also applied authorized card for my wife and got approved. Since then, both my wife and I keep receiving the emails from XXXX, which requires more personal info from my wife because of this authorized card, such as birthday date, driver license, SSN/ITIN number, and passport number. On the first time we received the email, we called in immediately and provided all the necessary info that XXXX required. The representative told us all the info are recorded and we should not receive the email any more. However, XXXX repeated sending such emails to require the same info. We have to called in no less than 5 times to provide the same info again and again. Each time, the representative guaranteed this issue will not shown up again since they can see the full info we provided. In XXXX, we received one mail from XXXX, which notifying us that my wife 's card is closed since we did n't provide the required info, which we have provided many times. Thus, I called XXXX again to find out what on earth happened probably on XXXX XXXX XXXX. One representative listened the whole story, he said he does n't know what happened. What he can do is to re-apply an authorized card for my wife from my account. He mentioned about one spending offer for adding my wife into my account and ask permission to let him process my wife 's card. I agreed and was told that my wife is all set. The new authorized card will be mailed within 7-10 business days. On XXXX XXXX, I am so shocked and angry about the mail I received from XXXX. It says that my application ( ref # XXXX ) for the premier rewards gold card was denied. The reason for the decision is that my prior applications has been approved and my card has been sent to me. Thus I wo n't be approved the same type card twice. Since I never ask to apply the same card or a new account for myself, I am sure XXXX  mistakenly apply a new account for me not for additional card for my wife. The whole thing of requesting an authorized card became a drama of applying an new account for me. However, the question is how dare XXXX can apply me a new account without my permission, even though it is true that XXXX get my only permission to apply authorized card for my wife. Now the result is that I had an unexpected hard inquiry because of the XXXX XXXX fault, which will affect my credit score that decides a lot of financial factors. In my understanding, without client 's permission to apply the new account is illegal and frauding. I called XXXX twice on XXXX XXXX XXXX. In the second call, one manager admitted it is XXXX XXXX  system glitch to close my wife 's account previously. Thus he instated her card. As for mistakenly applying the new account for me, he do n't know what happened, he suggested me to file a claim via a mail to XXXX. But I decided to file a claim via CFPB since I could not confirm if XXXX will receive my complaints via the mail.
Product: Debt collection

To whom it may concern : A certified mail debt validation letter was delivered to OPORTUN/PROGESO FINANCE on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. OPORTUN responded in a letter dated XX/XX/21 that they can not verify my information with their accounts. They continue to contact me and send me statements ignoring my concerns. The three bureaus said it was accurate/updated but not one bureau truly investigated my case. I have not seen or received any validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Account Name XXXX XXXX Account # XXXX Date opened XXXX COMPANY SOLD : XXXX Status : Discharged through XXXX XXXX XXXX/Never late. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Product: Prepaid card

My claim was denied they said it had been too long so i was told if there was exteuating circumstances i could ask for a review if i could provide proof which i did i sent in immediately my doctors note, that aside its so hard to get a person on the phone that of corse i couldnt repot it in a timly manner. My complain is follow up from my last one with the way2go XXXX  child support card, some did send me an email asking for my number I replied immediately with my number and then two more times but never heard anything, never got so much as a missed call, I reached out everyday waiting sometimes upto 2 hours on hold only to be told call back tomorrow no one has reviewed my info yet.i did this for a week. And then finally got an email from that same person saying since they didn't here from me they assume my complain has been resolved!! Which it has not. And I replied to that email as well but they just give you the run around and ignore you. I am a single mom {$1000.00} is alot to me that will make or break my family I need help
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the accounts that are listed on my credit report. I've contacted my lawyer to investigate the issue and come to find out that the accounts aren't mine. You can't continue to accuse me or force me to accept the accounts. If I know for sure that these aren't mine please stop accusing me please seriously. Now I'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I'm not someone who uses credit at no point I'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it's not removed I will take legal actions against each creditor.
Product: Debt collection

My identity was stolen in XXXX and used to open a series of retail electricity accounts in XXXX, Texas. Two of those accounts were opened in XX/XX/XXXX with XXXX XXXX XXXX. I never authorized those accounts and had no knowledge of them. In XX/XX/XXXX, those accounts were reported to the credit bureaus as being in collections with LVNV Funding. I disputed this with the credit bureaus, and LVNV Funding falsely said they had verified the account as being mine.
Product: Debt collection

Calvary Portfolio Service would not disclose who they were or who they represented. 
They claimed that a XXXX credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in jail, and ruin your f**king credit! ''
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. XXXX 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 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card or prepaid card

I have credit card account with chase bank and the bank requested information regarding my social security, they supposedly mailed the request to me but I never received it. after a period of time without responding ( because I never received the initial request ) my credit card account was closed. I found out when I received a notice of closure and immediately followed up with the bank. every time I call customer service, I am transferred an unreasonably large amount of times, last time i spoke to 18 people over about an hour and a half and had to provide my information each time. when I spoke to the bank they mailed me a copy of the form I needed to file which I did 4 times already and provided it to them 4 times in an attempt top get my account reopened like they said will happen. at the time of this writing the issue has been going on for almost 2 months with no resolution and a large impact on my credit score because I have a balance but no active account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681-2 : ( 2 ) 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S.C 1681 : ( c ) The term consumer means an individual.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, TransUnion, & XXXX have violated my rights to privacy and have shown a disregard for my credit file. I have never given written permission to have anything placed on my credit reports, such as UTILIZATION of Credit, and TRANSACTIONS published on my credit reports. 
15 U.S.C. Section 604 ( A ) ( 2 ) A consumer reporting agency can not Furnish an account without my written permission 15 U.S.C 1681 ( A ) ( 4 ) Here is a need to insure that Consumer Reporting Agencies Exercise their grave responsibilities with fairness, impartiality And a respect for the consumers rights to privacy. 

In addition, it is also my understanding that Under the FCRA 15 U.S.C 1681 ( i ), every single one even each any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax via mail to inform them that inquiries were on my credit report that I didn't authorize. They sent me a letter stating that inquiries are factual and will remain on my report for 2 years. I disagree and I would like the following unknown inquiries to be removed from my report immediately XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a chase sapphire credit card. I use cash app and XXXX, and do not like connecting my bank account to third party apps. I found out this month that Chase has recently decided to consider XXXX and XXXX XXXX as cash advance even though no cash is involved. 

On a {$1.00} cash app I sent I got a credit card process fee named by XXXX XXXX, then there was a hidden {$10.00} fee from chase Sapphire, and a 29.9 % interest fee that is not mentioned online, but only shown in the end of month statement. 

I made several cash app purchases with no notification from the bank that there was a fee. I was then told that the only way to pay off the 29.9 % interest was to zero my credit card balance ( not merely zero the statement balance ). 

I was told by chase sapphire that I would have to file a complaint by fax or mail which is a further hindrance to non exploitation. 

The only reason I knew it was a cash advance was because I called Chase Sapphire and asked. 

I then went to chase Bank where the tellers told me they think cash app and XXXX were not a cash advance and then I was told by the bank manager, " XXXX XXXX is not a cash advance ''. When I showed her the feed she told me I didn't know how credit cards work and it was my fault. I asked them to show me in the paperwork I signed where it specified that peer to peer payment services are cash advance and they could not. 


Online XXXX returned no results that XXXX  is a cash advance on chase Sapphire or cashapp website, but XXXX and one ny times article said that some credit cards may consider it as such.