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

Tranunion credit report company is misusing my credit Report by Alerting others reporting companies. l hired credit spe XXXX like XXXX credit XXXX credit repair. to remove items off my account due to dispute. oCame back Of certain items. On ther accounts. information without my consent to other credit Bureau. Which tranunion on purposely made it hard for me tl can not received housing. homeless due to information being placed on my Account. Dispute.. Recently l have had more inquiries about homes rental etc I'm being Denied. Due to TransUnion reporting .. XXXX XXXX. I have build up due to makes payments on times .etc purposesly not removing items has been on my report l have proven ltems not mine. Whom do l report to regarding this situation which has effect my life tremendously. Consumer government needs fro investigation. 
TransUnion my credit account has fell XXXX within XXXX  month. .including disputes. I have attached documents sent to my XXXX XXXX alerts received information from tranunion reports. I l Haven't released any information to report to XXXX XXXX XXXX
Product: Mortgage

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit reporting or other personal consumer reports

I see on my credit report that my transaction history is being reported. As per 5USC 552a, the Privacy Act of XX/XX/1974, and 16 CFR 313, I invoke my right to protect my privacy and for XXXX and credit reporting agencies to uphold the law, that includes experian XXXX and XXXX
Product: Debt collection

I received a call today they left a message and I returned the call. The man said is this XXXX XXXX? I said it is. He said iare the last XXXX of your social XXXX. I said yes. He said Im calling about a debt you owe to XX/XX/XXXXXXXX. I said Ive never had an XX/XX/XXXXcard. I said can you send me something to show me? I said Im wondering if someone is using my ss #. He said you can just pay Pennies on the dollar and it will be gone. I said why pay something I dont owe that Seems silly. He said well we will place a judgement against you. Garnish your wages So the lawyers will be in touch Im sending to them and hung up on me. A couple hours later I got a phone call saying this is to notify XXXX XXXX she is served and if you dont call in XXXX hours to this number there is a judgment. Repeat. And again it was a a recording! They never sent anything never confirmed it was mine - its not! They can go to court in some other state and get a judgement if I dont show up to court by just leaving a phone message? Thats our justice system? This company should be put out of business! The company is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Number XXXX XXXX, XXXX XXXX AND XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX In correct Employers : XXXX XXXX, XXXX XXXX XXXX. Incorrect Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect Names : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is selling a " rental screening program '' that they rate applicants and provide credit and background screening on for landlords. After being turned down by 2 landlords, they provided me with the report they received from " Transunion SmartMove '' program and found out much of the information was wrong! Here are the items that were wrong and had a negative affect on my Transunion " scoring '' system they use and provide to their landlords using the service. 
-Current Employer, and income amount WRONG and state the landlords that I'm not being truthful on my employment and amount of income I make. 
-Current credit discrepancies ( loan balances, monthly loan amounts due, open credit amounts, and use " inquiries '' as a negative whether any loan or credit has been opened from any institution who may have " inquired '' ) With today 's online application companies, one online app can get sent to MANY co. for review, etc and it should be a negative just because of that. 
- Transunion told me it is NOT their responsbility to provide accurate information to their client for which their landlord " smartmove '' service, but rather everything is up to me to ensure that their information they have about me is correct -even though I wasn't given that chance prior to them providing all of it to their landlord and providing their service of rating and recommendations as well - all based on inaccurate information, and information that they claim to not have the responsibility to verify the validity or correctness of.
Product: Credit card or prepaid card

WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A PREPAID DEBIT CARD WITH OUR OWN MONEY!!! WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! ****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR XXXX   prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! ****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****
Product: Debt collection

I received a notice from the Department of Revenue on Monday, XX/XX/2021 regarding an alleged debt I owe. 

On the Notice from the Department of Revenue it stated : theRequest for Hearing ( Letter ) needs to be postmarked by Friday, XX/XX/2021 and listed XXXX XXXX as the point of contact, should I want to Submit a Request for Hearing ( Letter ). 

I tired getting in contact with XXXX XXXX because I needed a mailing address for the Hearing ( Letter ), eventually hearing back from XXXX XXXX on either Wednesday, XX/XX/XXXX or Thursday, XX/XX/XXXX ; after contacting XXXX XXXX XXXX, College Bursar / Director of Student Payments ( got in contact with XXXX XXXX and elevated the urgency of the matter ). 

This experience was not pleasant and totally unprofessional. 

So, I sent a letter to XXXX XXXX XXXX XXXX on Thursday, XX/XX/2021 disputing an alleged debt under the Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX ( b ) : Validating Debts clause. 

And I sent a letter to The Allen Daniel Associates, Inc on Thursday, XX/XX/2021 disputing an alleged debt under the Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX ( b ) : Validating Debts clause. 

- After sending both letters, the original creditor of this alleged debt ( XXXX XXXX XXXX XXXX ) has not verified that I am responsible for the alleged debt, nor have they sent a copy of any judgment. 

- Because I have disputed this alleged debt in writing within 30 days of receipt of the initial notice, The Allen Daniel Associates , Inc. must obtain verification of the debt or a copy of the judgment against me and mail these items to me at their expense ; of which they have not. 

- Furthermore, under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, any attempt to collect this debt without validating it violates the FDCPA ; and I have received two phone calls from The Allen Daniel Associates, Inc on : + Monday, XX/XX/2021 at XXXX from XXXX ( XXXX ) XXXX. 

+ Friday, XX/XX/2021 at XXXX from XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX, trans union, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ( XXXX ) acct # XXXX ... ending in XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 USC 1681 section 604 a ( 2 ) a consumer reporting agency can not furnish information without my written instruction 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

15 U.S. Code 1681l consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) reporting confidential/private information has caused adverse actions in my livelihood, causing me to be oppressed note balance and high balance are incorrect causing harm to my score
Product: Debt collection

Wrong person this account// bankruptcy doesnt belong to me and I would like it removed please. Not my bankruptcy
Product: Credit reporting or other personal consumer reports

It unauthorized credit inquires on my credit report that I didnt make
Product: Checking or savings account

I am filing this complaint regarding XXXX XXXX decision to close my account without providing any clear explanation. I have contacted the bank several times requesting reasoning for this action, but their responses have been vague and non-specific. This lack of communication is creating unnecessary hardship for me as I try to manage my finances. 

My account was always in good standing, and I believe I am entitled to know why this action was taken. Furthermore, my attempts to open a new account with Wells Fargo have also been denied, with no proper justification provided.
Product: Checking or savings account

I received an en email on XX/XX/2023 from Chime stating they were going to take a XXXX out of my account on XX/XX/2023 for a dispute claim # XXXX. I never had a dispute for that claim number. That claim number belongs to a claim for XXXX for XXXX XXXX which I disputed and was denied the dispute. Why I dont know. I gave Chime proof of purchase for the airline ticket and they still denied my dispute.. The XXXX dispute was opened by me on XX/XX/XXXX and closed by me on XXXX the XXXX living no room for a provisional credit to have been made to my account. On XX/XX/2023 XXXX XXXX gave me a refund for XXXX for rebooking for a trip I double booked on XX/XX/XXXX to XXXX XXXX. XXXX was a refund. And I used XXXX XXXX to book another ticket. I have documents for all of this
Product: Credit card

On or around XX/XX/XXXX I purchased a hydro water bottle from Walmart. Sold by, XXXX, order number XXXX. I never received it. I emailed the seller, and I never received a reply. I disputed it with Capital one. They removed the charge. On or around XX/XX/XXXX they put the charge back on my XXXX I unt. {$28.00}. They said, my resolution was not approved. I said my purchases are protected. XXXX THE REP COULD not help me. I don't have any issues like this when I make purchases. Happy to pay. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a closed account issued by XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

Equifax previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$490.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX ( opened XX/XX/XXXX ) ; and XXXX ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, Equifax has since relisted the accounts as belonging to be with has negatively affected my credit and finances.
Product: Credit reporting

I paid Trans Union credit reporting agency to provide me with credit reports and credit scores for all XXXX reporting bureaus, but got a vague report and speculated credit score. I checked my credit score through XXXX website to find a completely different number. When I spoke with a supervisor ( Name XXXX ) he told me they calculate the score for all XXXX companies in their own way and that I agreed to some writing about it. They have the actual XXXX logo on top of the credit score with a different number than XXXX actually reports. This is misadvertisement. I did not receive what they advertise.
Product: Vehicle loan or lease

I lost my job and am struggling to make my payments. I just need help to get current with my auto loan so I can refinance it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Product: Debt collection

XXXX XXXX XXXX, XXXX. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from LVNV Funding LLC ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was reviewing my credit report I examined a large amount of incorrect information listed on my report. I was apart of a massive data breach in the 2013 XXXX breach. The event of the breach severely exposed ALL of my personal information.. The negative items listed on my report that I was unaware of are due to me being a victim of identity Fraud. I am requesting that ALL of the items are removed or blocked off my report immediately according to the Fair credit reporting act section 605B.
Product: Credit reporting or other personal consumer reports

Info was hacked in data breach. Citing 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Consumer Loan

I applied to take over a lease on a XXXX vehicle with Ally Bank. There is approximately 24 months left on the lease with the aggregate payments amounting to no more than {$34000.00}. I submitted a credit application which Ally Bank rejected citing " credit experiences are insufficient for dollar amount requested. '' Meanwhile, in its rejection letter, Ally acknowledges that my credit score was XXXX out of XXXX. As indicated in my credit application, my annual income is nearly {$XXXX} ; I 've been employed with the same employer for over 13 years and resided in my residence for nearly 10 years. The only outstanding debt that I have is a student loan in the sum of {$50000.00} with no late payments and a car lease for one of my assistants from XXXX with {$3000.00} left. I have no negatives on my credit, I carry no credit card debts and all components of my credit are designated as " Excellent '' by all three credit reporting agencies. In fact, my credit score and income exceeds that of the original lease holder for the car. The only possible reason for Ally 's refusal to approve this transaction is either a racial and/or national origin bias. I believe that Ally is discriminating against me due to my XXXX ( the original lease holder has a XXXX ). Given the vast discrepancy between its explanation and my credit history, there can be no legitimate reason aside from discrimination. In fact, Ally has a history of discrimination against minorities with relation to auto loans, having had to pay over {$90.00} XXXX in 2013 as a result thereof. I believe that I am not the only person of XXXX having experienced this matter and know of at least one other who has excellent credit, but was denied an auto lease for the same or similar reason by Ally Bank. Furthermore, I had authorized Ally Bank to check my credit score once. However, it did so on at least two occasions, thereby negatively affecting my overall credit rating.
Product: Student loan

-Applying the wrong amounts to principal and interest. My statements show {$230.00} going to interest and only {$34.00} going to principal. 

-Very high interest rates compared to other federal/private lenders. I have asked many time to have this reduced to a lower amount to make paying off loans easier.
Product: Credit reporting or other personal consumer reports

My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.