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

My application for an apartment was denied today because tenant data reported my credit score wrong. I have been working on my credit all year and all 3 of my scores are above XXXX. I was denied because I didnt meet the XXXX or over my credit score came up at a XXXX. When is this data updated?? I have worked my behind off all year to grow my credit score and with 3.5 weeks to spare, my children and I could be XXXX  because of outdated information. I would have never applied if I was worried about that being the factor that wouldnt get us into our new home.
Product: Credit reporting or other personal consumer reports

t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX  # XXXX These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer. 
t has come to my attention that you have reported inaccurate information concerning my credit report to the credit reporting agencies. Under 15 U.S. Code 1681c, you are legally obligated to ensure that all information reported is accurate, up-to-date, and not misleading in any way. Your failure to comply with these legal requirements is unacceptable and has caused significant harm to my creditworthiness and financial standing. 

The inaccuracies on my credit report include but are not limited to : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies constitute a blatant violation of my rights under the FCRA . Your actions are not only unlawful but also demonstrate a reckless disregard for my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX  ( XX/XX/year> ) XXXX OF XXXX ( XX/XX/year> )
Product: Money transfer, virtual currency, or money service

made a purchase with online retailer XXXX for {$98.00}, the merchant online store was closed and product never sent. i disputed on chargeback with proof of store closure, and cashapp denied my chargeback stating the merchant provided proof. I requested proof, and cashapp did not send.
Product: Credit card

On XX/XX/2024 I, the CONSUMER applied for American Express Gold Card and was denied. 

Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS COMPANY due to the response I received. 
AMERICAN EXPRESS COMPANY is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, bit credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS COMPANY. 

Failure to reverse their decision, will force my hand to sue for Securities Fraud.
Product: Credit reporting or other personal consumer reports

Experian is continuously reporting inaccurate addresses that belongs to someone else on my credit report. This is unfair is and causing damage to my livelihood and image. Continously reporting inaccurate and unfair information after being made aware multiple times can result in a lawsuit of a XXXX $ per fine.The following address XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX MI XXXX should both be removed from credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX while checking my credit report on TransUnion reporting agency, I found a hard inquiry notification dated on XX/XX/XXXX from XXXX XXXX XXXX XXXX 
XXXX 's address is : XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX I have not applied for any this sort of credit. 
Please, help me to correct this. 
Thanks, XXXX XXXX
Product: Credit card

I get my report and I saw capital one account has opend under my name that account wasn't belong to me and account is fradulent,, CAPITAL ONE date opened XX/XX/2023 /// balance : {$320.00} I never applied
Product: Credit reporting or other personal consumer reports

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


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

SoFi offers a welcome bonus XXXX XXXX XXXX XXXX XXXX of {$300.00} if direct deposits of more than {$5000.00} are deposited in the account within 25 days of the XXXX direct deposit. 

I qualified for the bonus but never got the bonus ( $ XXXX salary deposited on XX/XX/XXXX and another $ XXXX on XX/XX/XXXX ). Called the bank on XX/XX/XXXX and got told there was a " coding issue '' that my salary was flagged as a " deposit '' and not a " direct deposit '' by the bank 's system. looks like this has happened to others as well XXXX XXXX XXXX XXXX XXXX 

Very concerning that a financial institution is able to brush this under the carpet so easily as a coding issue. So many customers would have been ripped off under the guise of a coding issue. To rectify the problem the bank 's agent offered to submit a request to flag my future salary deposits as " direct deposits '' so the bank can offer me the bonus. I can't trust SoFi to handle my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, and XXXX XXXX XXXXXXXX acct 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 or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$1700.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to dispute an account listed on my credit report that is the result of identity theft. The account in question is : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX  Balance : {$1100.00}. I have already contacted XXXX and XXXX, who have removed this account from their records after finding an error. I am confused as to how you have verified this account while the other bureaus have removed it. I remind you that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a quick and thorough investigation into these issues. I demand that you take immediate action to remove this account from my credit report and inform me of the steps taken to prevent this from happening again. I appreciate your prompt attention to this matter and request that you contact me as soon as possible with the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. transunion has me at a score around XXXX. That is a huge differenceXXXX transunion  paints me as a Bum. my XXXX  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 XXXX 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 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

I contacted the company via regular mail and certified mail no response back to validate the debt and it's been since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this before with XXXX, but they apparently do n't want to hear the truth. Clark county collections is saying I owe them XXXX from an original XXXX XXXX XXXX that not mine. I just want to see something with my signature, that shows that it 's mine. I am XXXX XXXX XXXX XXXX XXXX which use to be my XXXX XXXX, I 'm just starting to try to right with my XXXX XXXX. I do n't know how it could be mine, show me my supposed signature.
Product: Checking or savings account

I opened a checking and savings account {$13000.00} XXXX was to be deposited in to my savings, remaining XXXX in to my checking. 

I would like to understand how a deposit of {$13000.00}. XXXX Turned in to {$20000.00}. Because when tax time comes the irs willask me.
Product: Credit reporting

I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to XXXX of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number XXXX Services of XXXX XXXX XXXX XXXX
Product: Debt collection

I am a military service member and I was XXXX overseas to XXXX in XXXX of 2013. Shortly after that time I returned for the XXXX of my child and had my XXXX account closed and balance paid in full due to my relocation. My XXXX account was not closed properly and I was charged while I was XXXX overseas. I have since returned and XXXX has accounted for their mistake and credited the account, but they have not removed the collections account from my credit history as they should since it was never my fault to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found issues on my reports so I sent the bureaus disputes after reading about the laws understanding the use of them on how to help myself better my credit with my identity and proof of what I discovered.This is holding me back from many things in which my credit is needed. 
I sent out 2 different letters both 30 days apart yet I got no timely response? reply all bureaus received my letters EXP XXXX XXXX I will attach the most recent letters so you can see that they were sent certified but if you need any other proof i can do so as well.
Product: Debt collection

Here is further proof that the transfer of assignment filed in XXXX County Land Records office on XX/XX/XXXX was fraudulent and American Home Mortgage Servicing Inc knew it was fraudulent. 

When our mortgage loan became delinquent we received letters from XXXX XXXX XXXX, which is the first time we learned that the " holder of the note '' was XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. We made a qualified writted request - verification of proof of claim request of XXXX XXXX XXXX to provide copies of any transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX was the " holder of the note '' because no transfers or assignments had been filed in the XXXX County Land Records office that transferred the note or deed of trust from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was not able to provide any of the documentation to show the note or deed of trust was ever transferred to the trust. 
We also made the same request of AHMSI and XXXX XXXX XXXX XXXX to provide copies of any transfers or assignments to show that note or deed of trust was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXX. From XXXX  's website I was able to see the attached communication from AHMSI 's research department that shows the qualified written request - verification of proof of claim request that was made and a cease and desist notice that had been filed in the XXXX County Land Records office, which AHMSI decided to disregard. 

There is also an attached email dated XX/XX/XXXX from AHMSI 's Legal Correspondence Group to disregard my cease and desist request regarding the foreclosure action and as we know, the fraudulent transfer of assignment was filed 10 months later. 

The attached response from AHMSI 's Loan Administration Research Specialist were documents to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX was the holder of the note. But the attached documents just shows that as of XX/XX/XXXX, the holder was XXXX XXXX XXXX XXXX and that note and deed of trust had not been transferred to the trust, which is also evidenced by the title search we did in XX/XX/XXXX. 
AHMSI had no idea that XXXX XXXX XXXX XXXX did not transfer the note or deed of trust to XXXX XXXX and requested that we direct our concerns to XXXX XXXX XXXX. As we know from the declaration of President of XXXX XXXX XXXX, XXXX XXXX XXXX did not own any residential mortgages to transfer as of XX/XX/XXXX. So how is the transfer of assignment that was filed in XX/XX/XXXX valid? 
Again, we have not received any valid transfers or assignments to show that XXXX XXXX XXXX XXXX as trustee for XXXX XXXX is the holder of the note. We have been making this same request from XX/XX/XXXX and have not received the requested documents. We have only received the fabricated documents to wrongfully foreclose on our homestead and collect our monthly mortgage.
Product: Checking or savings account

I had an unauthorized purchase on my XXXX acct, I call them and they told me to go thru my bank for a refund. 
they also said that they don't have a fraud dept and said there's nothing they can do as they feel it was authorized because it came out of my account, which makes no sense. I never have purchased anything that expensive ever from them. So I called the bank Truist and file a fraud claim. Tried to explain what was going on and that I was never notified of such a big amount on my account as I have set up. Told them that this amount XXXX was not mine and its unauthorized. And that it needs to be refunded as I am a XXXX  and on a limited income. I needed my funds to pay my bills and that this is not my purchase this was a fraudulent one. They denied telling me basically that I was lying and it was authorized. They used the excuse that I had one unauthorized before for a small amount and that this one is part of that even though its months ago. Which is nonsense, I even managed to get the shipping address from XXXX which isn't mine, to give to the bank to check into but they did not. They just said no, they would not refund my money no matter what I said, how insulting and degrading to a XXXX  who lives on a limited income and call me a liar. I need my money back in my account that is all I have to live off of. I need someone help to get this fixed. The bank is very cold and stonewalled me with it all.
Product: Debt collection

XXXX XXXX says I didn't turn in their device and wrongfully charged me {$170.00} on XX/XX/2020 when I provided proof of location.
Product: Money transfers

Western Union Money Transfer on XXXX XXXX, 2016 : Western Union provides 3 opitions on line for money transfer. One is a credit card option, however when you choose it, Western Union gives you the illusion of proceeding with the transaction, asks for personal information, like driver licence etc. After you provide all info and submit your credit card information, the web site gives a message " your transaction could n't be completed '' and forces you to chose WU option for payment. When I called Western Union, after being conected with someone in XXXX, I was told that my credit card company denied the transaction. I called my credit card ( XXXX XXXX XXXX ) and was told by them that nothing was denied by the credit card company, moreover, that no transaction was ever received. When I called WU again ( conected to a foreign country again ), the only information I was receiving was to take cash and go to a local Western Union agent ( highly inconvenient and burdensome ), or to choose the WU option on line. My complaints about the previous wrong info as well as questions about when the credit card option on WU web site would work, were completely ignored. 
Western Union deceives people on their website to obtain personal, sensitive and financial information from their customers, therefore it is kindly requested that the US Government investigate those practices and take further legal action if necessary.
Product: Mortgage

Wells Fargo failed to pay my hazard insurance on time. This resulted in a lapse in my insurance and I had to pay the insurance company directly in order to restore my coverage.
Product: Debt collection

I have received multiple calls from High Point Asset at XXXX. 
They claim that I must respond to an important civil matter or they will " forward my file to litigation. '' I dealt with this last year during tax time and asked for verification of debt, which they never provided. Now they are calling me again. I have not spoken with them to review this debt, as I know it is not mine and I am afraid they are trying to get additional information out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00} and XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}