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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. They are being represented as the debt buyer on my credit report and they are not the original creditor. Because of this, this agency can not assign me a monthly due date, nor report the balance as past due if we do not have a contracted agreement. In addition, the date last active is inaccurate and the date last reported is inaccurate. 

15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose. 
15 USC 1692D ( 4 ) The advertisement for sale of any debt to coerce payment of the debt is a violation. 

In addition, New York has placed a statue of limitations law under the Consumer Credit Fairness Act of three years. I am also not liable for this debt with XXXX XXXX and do not have a contract with them. XXXX XXXX did not provide me with the original application like I asked. Also, the name who the debt belong to is not my name.
Product: Credit card or prepaid card

For the past 60 days, I have received telemarketing calls ( 90 % of calls appear as 'Scam Likely..with XXXX XXXX .... ) on behalf of Discover Credit Card ( which I don't have ) Chase and Visa to qualify for 0 % promotion. I initially blocked the calls, but all the phone # s are similar and on average I receive 20 calls/day. When I have chosen to speak with someone ( option # 1 ) to request my phone # to be removed, they either agree to do so, or hang up on me. Then will call back. Most recently, I received a call from XXXX XXXX XXXX ( which is similar to my cell # ). When I called it back, I reached Asst. Atty XXXX XXXX who advised this was her personal ph #. Her advice was for me to file a complaint with the FBI in my local area. She provided the contact # and I called. Was advised to file an IC3 complaint.
Product: Credit card or prepaid card

In XXXX, I started seeing derogatory marks on an account I did not recognize. Upon research I discovered that there was a Synchrony Bank Paypal credit account showing delinquent. I opened several fraud claims as I did not authorize charges. I had to request statements to show the charges I did not authorize and received them in XX/XX/XXXX. I faxed this over and received a resolution letter showing fraud claim approved and my credit reports would be updated with all bureaus on XX/XX/XXXX. Account is still reporting on my credit report. Called back XX/XX/XXXX, and told all of my fraud claims have been denied and no proof of approval. I was told it was due to the type of fraud claim was showing identity theft and should've been transactional fraud. Told I needed to fax the charges again. I received a call on XX/XX/XXXX, when I called back on XX/XX/XXXX, no one knew what I was calling or talking about and had to go over all of the information again. I faxed the charges detail and the approval letter on XX/XX/XXXX. I also have mailed letters to the president of Paypal and Synchrony bank in XX/XX/XXXX and to date still have not received a resolution. Every time I call, it's 45 minutes of wasted time as I am told something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted.
Product: Credit card or prepaid card

Chase Ink Business Card from XXXX to XXXX account closed. 
Charges made on purchases were added as cash advances on the account. Which incurred other fees and a higher interest rate. 
Were also being charged for a balance transfer we never made on the account. 
We made a total of about {$2500.00} in cash advances in the last XXXX years all else were strictly normal credit card purchases. 
My wife closed the account about XXXX years ago after they told her the vendors were putting the purchases through as cash advances and refused to fix the problem. 
We now have a balance of about {$10000.00} all of which I was told was all interest and all being charged under the cash advance interest rate. 
Weve called all or most of our vendors and have been told they do not have the option of cash advance when charges are made. We also run a store and do not have that option either. So the only place that could happen would be at Chase. 
Spoke with them for about 2 hours today XX/XX/XXXX with zero resolve. 
Have never had any other credit card company do this, personal or business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXXEquifax after I purchased a credit report with XXXX XXXX dated XXXX XXXX After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Accounts : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}, on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please update these negativity IMMEDIATLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DIDNT INVESTIGATE XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY EQUIFAX CREDIT REPORT # XXXX. MY PROOF IS A COPY OF DEED FROM XXXX COUNTY COURT HOUSE, MY NAME IS NO WHERE ON THIS DOCUMENT.
Product: Student loan

In the month of XXXX, I sent 3 different emails and made one call to customer service to inquire as to why my loan payment had not been recalculated under the rules of the XXXX payment plan in effect beginning XX/XX/XXXX - specifically, the increase in the XXXX exclusion percentage from 150 % to 225 % - as is stated on the XXXX website. I have been in the REPAY payment plan since prior to the payment suspension, was automatically switched to the XXXX plan in XXXX, but the payment given to me by EdFinancial was not updated/recalculated and is the same as it was prior to the payment pause. 

I was informed by this representative that the XXXX rule change doesn't go into effect until XXXX of XXXX. I read the information from XXXX to the representative stating that it was in effect in for XXXX. She told me that was wrong. She checked with another person then told me again that was wrong and that my payment would not be recalculated under those rules until XX/XX/XXXX. I asked for a supervisor or someone else to talk to and was told there was no one else and even if there was, they would tell me the same thing. 

EdFinancial is not complying with the XXXX repayment program rules.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Regarding Identity Theft and Inaccurate Reporting From : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX Phone : XXXX Email : XXXX SSN : * -- XXXX Date of Birth : XX/XX/XXXX FTC Reference : # XXXX CFPB Case Number : ( Pending Submission ) Date : XX/XX/XXXX To Whom It May Concern, I am reaching out to formally address critical inaccuracies and fraudulent activity reflected on my TransUnion credit report, resulting in violations of my consumer rights. 

Background of the Issue Despite my proactive efforts to resolve this matter, including direct communication with XXXX XXXX and submissions to relevant agencies, discrepancies persist on my report. XXXX XXXX has confirmed they lack sufficient verification to attribute these accounts to me, which highlights a clear case of identity theft. Nonetheless, these errors remain uncorrected. 

Fraudulent Accounts & Inquiries XXXX. XXXX XXXX ( Closed ) Reason : Fraud Not my account Account # : XXXX Amount : {$5500.00} / {$8900.00} Date : XX/XX/XXXX Type : Personal Card XXXX. XXXX XXXX ( Closed ) Reason : Fraud Not my account Account # : XXXX Amount : {$5000.00} / {$7500.00} Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX Bank XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX SYNCB/Lowes : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX CU : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Refer to included report Supporting Attachments I have included the following : XXXX. Affidavit affirming fraudulent accounts and inquiries. 


XXXX. Identity Theft Complaint filed with appropriate agencies.

3. CFPB Filings ( Pending Submission ).

4. Correspondence, including letters from XXXX XXXX  and XXXX, corroborating my claims. 


XXXX. Copies of my ID and Social Security card for verification.

Applicable Legal Standards 1. 15 U.S.C. 1681s-2 : Prohibits creditors from reporting inaccurate information with knowledge or reasonable cause of its falsity.

2. 15 U.S.C. 1681c-2 : Mandates the removal or blocking of information resulting from identity theft.

Precedent cases such as Smith v. TransUnion LLC underscore the legal obligations of credit bureaus to ensure accuracy and compliance with the Fair Credit Reporting Act.

Request for Action I request the following immediate actions : 1. Removal of all fraudulent accounts and inquiries listed above. 


XXXX. Deletion of the address XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, as it is unrelated to me. 



This matter requires urgent attention to prevent further harm to my financial integrity. I trust TransUnion will fulfill its obligations under the law. Please provide written confirmation of the corrections within 30 days. Should this issue remain unresolved, I will consider additional legal remedies. 

AND FOR THESE CREDITORS TO BE BLOCKED FROM ACCESSING MY CREDIT REPORT IN THE FUTURE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX Email : XXXX Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The loan company I was with before they repossessed my car keeps pulling my credit report every other month. I didnt authorize nor give them permission to since I signed for the car on XX/XX/XXXX of 2022. If you look at the photos Ive sent, theres two separate reported accounts from the company. There should only be one account. I dont want to keep dealing with this company or the manager who runs the store. Is there anything I can do too stop this from happening further
Product: Credit reporting or other personal consumer reports

There are two hard inquires that I do not recognize on my credit report. 

ONE MAIN FINANCIAL - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX XXXX
Product: Mortgage

Not advised of the options available to give the home back to the bank after a bankruptcy. Was advised account was noted and that was the end of it. Account is now in foreclosure and to be sold when we could have done a short sale to prevent foreclosure.
Product: Mortgage

I fell delinquent on my mortgage as of XXXX of 2018. I called my mortgage company the month before in XXXX of 2018 and advised then I would need 1 payment put to the back of the loan as I was experiencing a hardship. The rep on the phone with my mortgage company advised they could not help me unless I was three payments behind and I would need to be three payments behind in order to qualify for any assistance they could provide. Once I did what I was instructed to do I applied for loss mitigation on my loan and to no avail I was immediately denied for any and all retention options. I have applied several times for loss mitigation and every time they deny my request. However I would not be in this situation if I never listened to the rep and was told to not make 3 consecutive payments. I have gone directly to my investor to open up a case as per the guidelines of XXXX XXXX they can make exceptions and they to are not interested in helping me at all and now want to foreclose on my home. The denial reason is bogus because they are not willing to reduce my interest rate to market rate which would automatically qualify my for a modification although they can reduce it. The investor is part of the issue as well as the servicer. The lenders are able to do whatever they please to homeowners and the CFPB does absolutely nothing to protect the consumers at all.
Product: Credit reporting or other personal consumer reports

This account contains several inaccuracies that falsely manipulate the statute of limitations. Your failure to investigate this account properly has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 
Specifically, you have violated 15 U.S. Code 1681c, which requires accurate reporting of information, and 15 U.S. Code 1681b ( c ), which governs the permissible purposes of consumer reports. 

I demand the deletion of the following account : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting two old XXXX XXXX XXXXXXXX XXXX loan account balances even though the accounts have been transferred to XXXX and is in good standing there. XXXX and XXXX corrected the accounts but Equifax has not changed anything and does not reply to my letters. 

Because the account is showing up twice on Equifax my debt to income is too high to get a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information about me and accounts are wrong and needs to be removed
Product: Debt collection

Ive asked them to provide documentation that I entered into an agreement with this company and or had anything signed by me agreeing to ownership of this debt. This was not provided. I dont have and have never possessed anything with the company sleep number and therefore I dont owe the original creditor a debt or the company who has brought the debt and is negatively impacting my credit.
Product: Debt collection

MIDLAND has violated Federal laws concerning the use of private information. MIDLAND is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting MIDLAND to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If MIDLAND isn't able to provide said items, negative accounts must be removed immediately.

Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify alleged debt MIDLAND you are interfering with commerce and this is a Federal Crime.
Product: Credit card

I am filing this complaint against Robinhood Credit XXXX XXXX due to their failure to provide the required initial privacy notice as mandated by 15 U.S. Code 6803. This violation has resulted in the improper sharing of my nonpublic personal information with consumer reporting agencies without my informed notice. 

Detailed Summary : 1. **Lack of Initial Privacy Notice : ** According to 15 U.S. Code 6803, Robinhood Credit XXXX XXXX is required to provide a clear and conspicuous privacy notice at the inception of our customer relationship. I do not recall receiving such a notice at the start of my relationship with Robinhood CrediXXXX XXXX XXXX 

2. **Violation of Federal Privacy Laws : ** The absence of this required initial privacy notice constitutes a violation of federal privacy laws. This failure to comply with legal requirements has compromised the transparency and understanding of how my personal information is handled. 

3. **Improper Information Sharing : ** Due to the lack of the required privacy notice, I was not informed about Robinhood Credit XXXX XXXX XXXX policies and practices regarding the sharing of my nonpublic personal information with consumer reporting agencies and other third parties as allowed under section 6802 ( e ). As a result, Robinhood Credit XXXX XXXX has shared my personal information without providing me with adequate notice.
Product: Checking or savings account

On XX/XX/2023 I noticed there were unauthorized transaction reversals on my checking account. I was a victim of identity theft, and this person stole my online banking, username and password, and was able to access my account. While they were accessing my account, they were disputing transactions, and when the bank gave provisional credit, they transferred the provisional credit out on an XXXX XXXX card, they also try to contact the bank and impersonate me to get my banking information. The fraudster disputed and reversed over XXXX transactions going back to XX/XX/2023. They reversed car payments, payment to my sons school and even tried to reverse my mortgage payment. I contacted Chase Bank on XX/XX/XXXX when I saw the transactions. Chase bank changed my online banking username and password. However the fraudster had changed my online banking alerts to go to their Android and they knew that I changed my online banking information. On XX/XX/2023 I noticed more transactions being reversed and contacted Chase again. And at that point they closed my debit card but never put any restrictions on my account so the foster was able to still transfer out money when provisional credit was given for the disputes. Then on XX/XX/2023 another transaction was reversed, and I once again called and the call center at Chase Bank, and at that point, I was finally told to go into the branch and the branch can close my account. By that time the fraudster had stolen almost {$12000.00} from my checking account. At no time did chase report suspicious activity contact me about the disputes put a freeze on my account after there was a suspicious caller, they did nothing to protect my account. Ive contacted Chase to it to ask for my money back and they told me that they were not able to give me my money back. I would like Chase to be held accountable for the fraudulent transactions that happen on my account, and to be refunded the money that was taken from my account. This fraudster also spoofed my phone number and was intercepting text messages that Chase was sending to verify transactions. I had to get a new phone number since my phone number was compromised. I also filled out a police report with my local police station regarding the identity theft, and the theft of my online banking username and password. 

Police report number : XXXX, Ohio XXXX
Product: Credit card

denied credit card with XXXX credit scores and great records black balled me with credit at XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I purchases concert tickets from someone over the internet. I sent them the money and they sent me the tickets. I go to the concert only to find out that the concert was cancelled. I sent then the money through the app zelle. I have tried constantly contacting the person back for the XXXX dollars i have sent them to be sent back and they never respond but are still active on the social media i connected with them through. I contacted zelle services and they said there was nothing they can do. Same thing with my bank ( XXXX XXXX ) The person I purchases the tickets from gets a refund from the concert company, so this person has just taken my money and also received money back for their purchase from the company themselves.
Product: Debt collection

Account was fraudulently opened under my name. Bank sent me a letter dismissing the account and deleting the account a debt collector is violating my right for the 3 time they were able to post the same debt under my credit. Please removed the account from the 3rd time this is absolutely annoying and disrespectful after I proved them I got nothing to do with that collection. 
Debt collector is XXXX XXXX XXXX Account was opened in XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of inaccuracies on my credit report as a result of fraud. I have filed 2 different FTC Identity Theft reports and have forwarded them to all 3 credit bureaus, but the information remains on my credit report. My brother 's name, XXXX XXXX, is/was also listed on my credit report ( s ) at some point, though it seems to have been removed at this point. The fraudulent accounts listed are : XXXX XXXX XXXX {$2300.00} XXXX and XXXX XXXX {$180.00} XXXX. The fraudulent inquiries are : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX.
Product: Debt collection

This company is reporting to my credit file with a debt that is not owed by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account as fraudulent 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of
Product: Credit card

We files a dispute with Huntington National Bank 3 times for the incorrect charge of {$850.00} for 2 concert tickets by XXXX and never received our ticket. We need the money refunded back off our credit card for the amount of {$850.00} plus interest that has occurred. We believe that the XXXX is a scam or bogus website for fraud tickets.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were added without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately blocked and removed. 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 Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the debt listed from XXXX XXXXXX/XX/XXXX. I have disputed this with XX/XX/XXXX who upheld the debt. I have no idea what this is or why it's on my report. It is showing an open balance of {$3000.00} and opened on XX/XX/ but it does not indicate what the debt even is! 
Please help!