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

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRANSUNION Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with SELFINC/LEAD, which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card. 

XXXX : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor. 
Account type : Credit line secured. 

XXXX : No information reported regarding this account. 

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. TransUnion and XXXX report different balances, with XXXX listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, XXXX notes an unpaid balance reported as a loss, while TransUnion does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history.

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible. 


For your reference, I have attached copies of my credit reports showing these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

So today I received a notification that a XXXX XXXX credit account, allegedly mine was closed. I then used due diligence and fully investigated my credit report, and noticed an immense number of things on my credit report that didn't belong to me. First and foremost, I was just incarcerated for attempted murder and a number of other offenses, from XX/XX/XXXX to XX/XX/XXXX ; I served a sentence of XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX in the Pennsylvania Department of Corrections. With that being said, the XXXX  XXXX account which I previously mentioned was opened in XX/XX/XXXX which indicates that I couldn't have opened this account being as though I was in prison. Furthermore, Experian, XXXX, and XXXX has engaged in the act of fraud, violating 15 USC Section 1651e et seq, as they have reported fraudulent information concerning me which I did not consent to, approve of, etc. Wherefore, I am asking that the credit bureaus and/or reporting agencies remove the following accounts from my credit report, as well as, any inquiries ( hard or soft ) that are related to these accounts. The accounts are as follows : ( 1 ) XXXX  XXXX opened on XXXX XXXX, XXXX ( 2 ) XXXX XXXX XXXX  opened on XX/XX/XXXX ( 3 ) XXXX XXXX opened XXXX XXXX, XXXX ( 4 ) XXXX/XXXX  opened XX/XX/XXXX Please, delete these items from my credit report, as I was locked up while all of these accounts were opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$240.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

2. XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contact transunion credit bureau and also did it online and they have not removed the inquiries that they have posted without my consent and when they are not mine and they hurting my chances for me to get a home because they reporting inquiries that are not mine. I need all this inquiries to be verified and removed inmidiatly of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The Bureau found that for years after the inception of Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). The Bureau also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. The Bureau further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPAs prohibition on unfair practices. In addition, the Bureau found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. The Bureau also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution. The order requires Block to change its practices to comply with the law, pay at least {$75.00} XXXX in redress to consumers, up to {$120.00} XXXX. The order further requires Block to pay {$55.00} XXXX in civil money penalties. 

Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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: Vehicle loan or lease

XX/XX/year> was involved in XXXX XXXX, involving another individual where the the vehicle was XXXX XXXX. Contacted the company to cancel payment account and file a claim in which information was giving from police report ( XXXX XXXX Police department ) and was told would be contacted at a later time. I was never contacted, instead I was mailed an outstanding bill of late payments at last present address ( XXXX XXXX ) and recently received a letter from attorney implicating I'm being or could be sued for lack of payments and collector may try to garnish payments from employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting done by AFNI. Submitted collection to my credit report for an account that was not mine and that I did not maintain. AFNI is reporting creditor for collection of XXXX. XX/XX/XXXX was reporting date. I contacted company and indicated debt was not mine and to remove. No action taken.
Product: Debt collection

I tried to communicate with the company on multiple occasion to explain that the debt owed is not mine, I did not ever applied for this credit card. I did not take out this debt. They started a wage garnishment and I tired to explain to them again this is not debt. 
Every time i tried to call them, they give me the run around and put me on hold for hours. This is unacceptable and i know my rights.
Product: Debt collection

Someone named XXXX XXXX out of my county 's Consumer Dispatch called at an unknown number saying they will make an attempt for XXXX summons and if failed, there may be a bench warrant for my arrest. They left a phone number of XXXX and a case file number. When I called, I gave the case file number and was put on hold for a long time. Then a guy named XXXX came on the phone and indicated my name, address, phone number, social, and work history. He said I am to talk to my husband about the call because a settlement was discussed with him. That I am to talk about it tonight with him. I told him if it 's about me, I am to know. He accused me for owing money for a credit card. He began spewing credit cards I have currently and kept threatening me I 'd be going to court. I asked him if he was a lawyer and he said he represented XXXX XXXX. Again he indicated my job history. I asked him what does that have to do with anything? He said it means you got money. My husband who also got the same voice message and felt the same feeling I did. This is a scam. When my husband called, he related it to the guy being a XXXX or something. Very unprofessional by saying, so you got the money or what? This is reported to our local police department and if probable the Federal Trade Commission. Someone has my identifying info.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Debt collection

A companie called United debt holding call me and my family threatened my to suit me and saying that I have a court date and a amount of almost XXXX $ to pay if I dont do a payment of XXXX so out of fear I did an arrangement of XXXX mount payment. Contact the bank that I own money they dont have any information also they give me there number and no one pick up. After making the arrangements to the payment I have a notification that my email and some of my password has been exposed on different side without my authorization. Also I have no documentation provided by that company
Product: Money transfer, virtual currency, or money service

I used Paypal to pay for an item i ordered but according to XXXX, despite being sent to the right city, the package was delivered to a completely different address and name than my own. I have contacted the vendor and received no response and have filed 3 claims with Paypal but my claims continue to be rejected because the vendor allegedly had provided proof of shipment, despite me attaching the XXXX document with proof of the wrong delivery address in the claim. This process of filing claims has been extremely involved and unnecessarily time consuming as every time i have attempted to file a claim I have been on the phone for no less than an hour. Additionally, the Paypal representatives are clueless and have told me every time that there was something wrong with the previous dispute and that this time it would be solved. Because neither the vendor nor Paypal has satisfied my needs, I have resorted to writing this complaint in hopes that I will receive the refund that is due to me.
Product: Debt collection

When this debt was reported to me I had made three attempts to settle my original debt with XXXX creditor in the sum of {$99.00} for a false claim that I owed that sum. My checks were returned XXXX time from XXXX XXXX with the explanation that I had already met my purchase obligations. Funds were available in my accounts I used to send checks for XXXX that I had already paid for under the clubs mandatory purchase policy. This original transaction with my XXXX creditor took place sometime around XXXXwhen my check was returned. My account was passed to RJMXXXX around XXXX XXXX, XXXX and I continued to dispute that collection notice. 
RJMXXXX continued to harass me over the next 2 years for the {$99.00} sum that they claimed I owed since I refused to pay until they were able to prove that I owed that original debt but they were never able to produce any documentation from XXXX that I failed to meet my obligation in purchasing the required membership DVDs. 
I eventually relented and paid the {$99.00} sometime in XXXX XXXX. 

My RJMXXXX account number reads XXXX I recently attempted to contact RJMXXXX at the following address : RJM ACQUISITIONS LLC/ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone # : XXXX The reason for my recent attempt to call RJMXXXX was to ask them to remove this {$99.00} collection notice from my credit report since I consider it to be incorrect and I have continued to dispute this item from the inception. 

As of today 's date I have not been able to contact RJMXXXX or any of their representative that have inherited their active accounts since I have been informed that RJMXXXX is no longer handling my account and every number that I call is either not in service or the representative or their supervisor can not do anything about my request since they do n't have my account since has been closed
Product: Checking or savings account

This bank like institution whom in the past couple years I've hadn't had many problems with, decided to try and feed me XXXX. The month prior they have this incentive that allows you to send what they call a boost that's sepperate from their other products basically stating that I can send 5 boost to people aswell as receive XXXX back in the amount of XXXX dollars. Well my friend asked me to do that for him and I did but he claimed he never got it and I showed him that I sent it ... he sent one to me and I received his. So I sent it back. So this month curiously I emptied my account before the 1st to show a XXXX balance and requested he send me a boost. I got confirmation from this banking app that he sent one. But I never received it. I contacted customer service multiple times the first time I was told to check back the next day the next day came around the next associate disconnected with me not answering my question. I then reached out to the banking complaint line. I explained to them the situation... I'll gladly share those emails with you as well. They first tried to tell me that I had already received it ... so I asked then if I had received it who sent it to me ... because I only had one friend send me one and that was on the first. And on their system it said that I had received it already... which then I showed them thar I had not received it. I find it hard to believe that this establishment was able to predict the future one day before I asked My friend to boost me... with that being said I also find it hard to understand that if they give you XXXX to send then you should once again be able to receive XXXX. And since I had in their eyes already received this " Illusionary boost '' then why am I not able to receive the one my friend sent. Makes no sense... regardless all I got was XXXX. Now I'm responsible for paying them back for something i didn't receive ... which goes back to my friends situation. If they stole XXXX dollars from him and are trying to steal XXXX dollars from me.. how many people have they been stealing XXXX dollars from claiming these people received something they didn't. Had they just admitted they made a mistake this could have easily been avoided. But once again I'm being brushed off as if I don't matter well XXXX them I matter you let them try and feed that XXXX to you. Because I ain't eating it.
Product: Mortgage

My US BANK home mortgage account is being reported inaccurately to credit reporting agencies and its impacting my loans and credit cards.
Product: Credit card

i applied for a credit card and i got rejected beacause i have no credit historyif i dont have a credit card then how would i build up my credit history
Product: Credit reporting or other personal consumer reports

I called the bank on XX/XX/2023 to alert them about the inquiry and told them it was fraudulent because i have not applied to any credit card and they said they will cancell the application
Product: Credit reporting or other personal consumer reports

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

I was traveling on a transatlantic cruise from XXXX to XXXX, XXXX that was to arrive in XXXX on XX/XX/XXXX. My XXXX year old husband, my XXXX XXXX XXXX  brother, and my sister in law were with me. All of us are seniors. On XX/XX/XXXX, we received notice from family members telling us of the travel ban instituted by our President. Originally XXXX was not one of the airport approved for returning citizens however, we did not know that. We quickly started searching for flights to get us safely home and purchased 4 tickets on XXXX which I paid for with my Barclay XXXX XXXX credit card. At the time of the purchase I agreed to include the offered insurance, but XXXX accepted the ticket purchase and then notified me that the insurance had ( conveniently ) been denied. Within minutes I was on ship to shore radio, provided at the kindness of the cruiseline, asking XXXX to cancel the charge. In the chaos of the travel ban, the customer service agents at XXXX were overwhelmed and frankly very uncaring. All I got was we cant help you. I also reached out to them through their message method and got the same thing. I called Barclay and XXXX and got no help from Barclay and no answer of the phone or messages from XXXX. I have worked very hard now for 6 months to get some assistance from my credit card company that claimed when they signed me up to be my advocate. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME OF INQUIRY TO BE DELETED IS XXXX XXXX XXXX DATED ON XX/XX/2023.
Product: Mortgage

Loan XXXX with Mid America Mortgage was modified XX/XX/2019, but my monthly statements never reflected the modification or showed me current ( and yes I was making my payments ) until the loan was transferred and sat on for 4 months. Loan balance at the time of modification was {$130000.00}. with a maturity date of XXXX/2047 this was reflected on XX/XX/2019 statement. On XX/XX/2019 statement my monthly payment as well as a payment amount of {$25000.00} was shown in my unapplied balance. Neither amount was posted so I was still showing past due. I called the servicing company and asked why this was and was told they were working on my loan so I continued making payments over the phone. Then my loan transferred to XXXX XXXX XXXX loan # XXXX and I finally received a statement in XXXX after not receiving XXXX. I was upset to see that the program made to help XXXX XXXX came at such a huge cost. My new statement still showed me past due with additional fees added that came from the previous servicer according to XXXX XXXX. Well after 2 years of phone calls and life changing events I was able to bring my account current and hoped they would take me seriously and correct all the months of fees and interest that accrued in error. And post my payments correctly so my statements are understandable. I have sent several requests and made more phone calls and have gotten no response. MidAmerica Mortgage operates under several names and seems to change servicers following a modification or charging you huge fees.