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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed the debt with another collections company, they in turn sold the debt to Resurgent Capital Servies.
Product: Debt collection

My complaint is regarding XXXX XXXX XXXX. Cons headquarters is located at XXXX XXXX XXXX XXXX Texas XXXX. Cons phone # XXXX. The CEO is XXXX XXXX, COO is XXXX XXXX and CFO is XXXX XXXX. 
This complaint is surrounding Cons failure to clarify exactly what the terms of the agreement created XX/XX/XXXX. I have been a long-standing customer of XXXX XXXX XXXX since XX/XX/XXXX. My complaint is regarding Conns account # XXXX ; monthly payment of {$94.00}. 
In XX/XX/XXXX, I received a solicitation letter stating that my credit limit increased. I called the number provided and spoke to the credit department who confirmed my limit was $ 3000.00+. At that time my # XXXX balance was little under {$300.00}. With the increased credit line, I purchased three items. Unbeknownst to me, the credit increase was not added to the existing balance. Conns created a whole new loan, account # XXXX, with a payment amount of {$190.00}. 
Once I realized what occurred I called customer service. Records should show the several attempts to resolve this matter directly with Conns. I explained on each occasion that I could not afford to pay for two accounts with the payments totaling {$280.00} a month. The reason I was given why they could not combine the accounts was because # XXXX balance was under {$300.00} too low per their policy. 
Conns is reporting negative data to the Credit Bureaus. Im trying to improve my credit score ; this issue has damaged my credit. Since this debacle, I have made two small payments toward the old account # XXXX. The new account is current with a next due of XX/XX/XXXX iao {$190.00}. To add insult to injury, Conns default group calls me daily, sometimes as many as 12 times a day including Sundays. 
This complaint is regarding XXXX XXXX XXXX, customer service, collection, credit and financial departments. I am requesting that Conns move the current balance of {$170.00} from account # XXXX to account # XXXX. Also remove any late fees and negative reporting from all three credit bureaus. I ask this since the terms of the new account regarding my old account were not clearly explained to me at the time of financing.
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding the accounts listed below, which appear on my credit report inaccurately and in violation of federal statutes and credit reporting guidelines : XXXX. Account Name : [ e.g., XXXX XXXX XXXX ] Account Balance : {$1000.00} Violation : Lack of permissible purpose to report this account on my credit file under 15 U.S.C. 1681b.

Communication practices that violate 15 U.S.C. 1692c of the FDCPA. 
XXXX. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$2500.00} Violation : Same as above. 
XXXX. Account Name : [ XXXX XXXX XXXX XXXX ] Account Balance : {$3000.00} Violation : Same as above. 
XXXX. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$7100.00} Violation : Same as above. 

Key Issues : These accounts are being reported inaccurately and possibly without legal authority or compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
The reporting entities have not provided validation of the debt, nor proof of a permissible purpose to access or report my credit file. 
These accounts are non-compliant with Metro 2 guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have rights under the Fair Credit Reporting Act. 
TransUnion and XXXX are both in violation of the FCRA Section 604. Permissible purposes of consumer reports and Section 607. Compliance Procedures. THEY VIOLATED THE UNITED STATES CODE LAW.

My personal information was exposed in the XXXX breach in XXXX and I sent two dispute letters to Transunion and XXXX about some impermissible inquires on my consumer credit report. The first letter was sent on XX/XX/XXXX and the second letter was sent on XX/XX/XXXX. Transunion nor XXXX has yet to remove these impermissible inquires from my consumer credit report. FCRA Section 607 states that CRAs are required to make sure that consumer reports are only being used by appropriate people and for legitimate purposes, as spelled out in Section 604. 

FCRA Section 604. Permissible purposes of consumer reports clearly state any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue, such as a subpoena, and in connection with proceedings before a Federal grand jury 2. In accordance with the written instructions of the consumer to whom it relates 3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer B. intends to use the information for employment purposes C. intends to use the information in connection with the underwriting of insurance involving the consumer D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ii. to review an account to determine whether the consumer continues to meet the terms of the account.

IMPERMISSIBLE CREDIT REPORT ACCESS IS A BREACH OF PRIVACY Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave Transunion and Equifax any written consent to report anything on my consumer report, nor did I instruct or give consent to anyone in writing to obtain my consumer report. No consent is Identity Theft. As a consumer, these inquires in this complaint must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also, I have already involved and sent a letter to the attorney general 's office, XXXX XXXX XXXX and federal trade commission.
Product: Debt collection

XXXX ( Reference previous dispute that was removed ) This account is appearing again under a different company, this time with " XXXX XXXX ''. XXXX, a representative answered the phone saying, he was XXXX... I asked did he work directly for XXXX..He then replied I work for The Law Office that handled the judgement for your case. This account is over XXXX XXXX XXXX. XXXX stated he is not a collection agency, therefore does not have to give mini maranda. ( call was made XX/XX/23 at XXXX They say every call is recorded and maybe monitored. ) This is not only a misrepresentation of the representative of himself as well as the company, but also a misrepresentation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Acct #. XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy.

I contacted " Transunion '' asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that 3 debts that I seen on my credit report be verified through transunion. I requested written proof via copies of any signed documents that I have with the reporting compaies. TransUnion just wrote back to me that everything was verified for XXXX XXXX in XXXX XXXX department store without showing me any proof of the debts in question. 

Also, they did not respond about the third company question. It has been over 30 days and I have not received a response so I would like credit first removed from my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to bring to your attention an ongoing issue regarding my credit report, specifically related to an account I had with XXXX XXXX XXXX, which is inaccurately reported by TransUnion.

I have received several stall letters from TransUnion concerning this account, and it has come to my attention that the information being reported does not align with the actual status of my account. Under the Fair Credit Reporting Act ( FCRA ), it is clear that reporting inaccurate information on a consumer 's credit report constitutes a violation.

I would like to emphasize that this account was never reported as a Collection or Charge Off ; rather, it was reported as current. Given these circumstances, I respectfully request that this account be removed from my consumer report to ensure compliance with the FCRA and to rectify this misinformation.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely
Product: Bank account or service

I opened a bank account with Wells Fargo about 3 weeks ago. I told them that I did XXXX for companies all over the world. I also told them I would be receiving many wires from all over the world for services I did. They told me that this would not be a problem. Well, so I recieved a wire for {$990.00} for XXXX services I did. Then I received XXXX more wires into my account for other services/website design I did. Well, then I contacted them to find out when I saw there were no pending transactions to ask about withdrawing my funds the following Monday. This was the previous Friday I called them on. At that time, I was told there was a hold on my account and that I could not get my funds out then. I was told because the customer I did work for received their completed XXXX services a little late eve though I did complete services for them that the customer claimed this was an unauthorized wire. I was also told verbally and in writing in a letter that my account was slated to be closed on today, XXXX/XXXX/15 and for my funds to be sent to me in a check on this coming Monday, XXXX/XXXX/15. Well, I called Wells Fargo fraud department today to ask what the status of my account was since I could still view it on line. I was told that they had sent out for information from XXXX XXXX and was waiting on a response back that they had not recieved and because this information was not received, that they were pushing the account hold back to XX/XX/XXXX. They did not say they were closing the account down then and sending me my funds which total a little more than $ 13,000+. They only told me that they would post notes at that time and that I could contact them on XX/XX/XXXX to see what the status was at that time. 

I have talked to all levels of management all the way up to and including the regional manager who all did what they could but got no favorable resolution. In fact a committee that this matter was escalated to in order to see if they would release my funds early said no. They also told me they would release my funds on XX/XX/XXXX and send them out to me in check form on Monday, XXXX/XXXX/15. They have not done this at all and now say my hold on my account is delays again until XX/XX/XXXX in spite of the fact that I have a hard copy letter stating that i would be sent my money on Monday, XXXX/XXXX/15 which I was told b Wells Fargo fraud department will not happen
Product: Money transfer, virtual currency, or money service

I was sent {$100.00} on Cash App by a family member to pay my light bill at XXXX XXXX on XXXX XXXX. I then had the money scheduled to go to my bill the following day. At XXXX XXXX on XX/XX/2019, I received some notifications on my phone stating that I sent {$20.00} then {$80.00} to a person that I did not know. When I went to look at my account it showed that someone had added their email to my account and sent the money to their Cash App account. When I went to refresh the page to look at the email address they had deleted their account by that time and also removed their email address from my account. I then went to ask for a refund of my money and the app said they were unable to request cash from that person. I also changed my pin number and removed my bank card from the account. After that I contacted the Cash App Support Team at XXXX XXXX on XX/XX/2019 and they contacted me back at XXXX XXXX on XX/XX/2019 and filed a claim. The support team contacted me back and said that they will investigate the claim and that I would hear back from them shortly. After I explained what happened, I have not heard from them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize any of this inquiry and I didnt authorize to pull my credited Because of that I activated a fraud alert in my report -XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX -XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX - XXXX XXXX  Inquiry date XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date : XXXX XXXX -XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX -XXXXXXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX - XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Between the dates of XX/XX/2024 to XX/XX/2024 XXXX unauthorized XXXX ACH transactions totaling {$12000.00} from my Arvest business bank account. When I logged into my online account on XX/XX/2024, these transactions were not showing, On XX/XX/2024, I looked back into to my online account and seen the previously mentions ACH transactions had been deducted out of my account. I contacted Arvest Bank on XX/XX/2024 to Inform them of the unauthorized transactions and was told to go into my local Arvest branch the next day and close my account. On XX/XX/2024 | went into the XXXX, XXXX Arvest Branch and closed my account that had the unauthorized transactions and submitted a claim to get my money refunded. Since XX/XX/2024, Arvest Bank continued to tell me that they were reviewing the claim up until XX/XX/2024 when they Informed me that they was denying my claim to refund my money stating that I only had 24hr to submit a claim based on XXXX  regulations. Additionally, on XX/XX/2024 | had contacted Arvest Bank and canceled my debit cards associated with this account due to my XXXX business ad account being compromised and informing then of potential fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent dispute a letter to XXXX, TransUnion and XXXX detailing harmful errors existing on my credit report currently.
Product: Checking or savings account

I started to notice in XX/XX/2018 that when I deposited money in my checking account, the balance was always low. I made a deposit of {$500.00} and the next day my balance was less than {$200.00}. When I called Wells Fargo to investigate, I was told I had two checking accounts and the other one did not have the minimum balance required therefore they took the fees from my deposit. I never consented to a second checking account. I demanded Wells Fargo return my {$500.00} but was told there was nothing they can do.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}
Product: Debt collection

I spoke with XXXX from XXXX XXXX XXXX XXXX on XX/XX/2020 in regards to a debt with XXXX XXXX XXXX. I asked if they would be able to send the debt back to LDA and she stated no. I then offered to pay the amount owed of {$130.00} in exchange for the account being deleted from all three credit reporting agencies. She stated they would request to have the account removed once payment was made. I proceeded to give her my card information to have payment debited from my account on XX/XX/2020. She stated the receipt would be available through their website on XX/XX/2020, however it wasnt available until XX/XX/2020. I check my credit report today XX/XX/2020, and the account is still reporting to all 3 credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and my personal information was also compromised in the XXXX Data Breach. I am attaching supporting documentation on the fraudulent accounts that are appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : Volkswagen Credit Account XXXX 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.

15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This company and account have been going against my rights and violation as a consumer under the fair credit reporting act this is unconstitutional. I have rights and Volkswagen Credit has violated them all they sold my information to a third party reporting agencies without consent and I am being harassed and denied by banks and extension of credit for this detrimental and defamation of character being falsely reported to my credit report I ask that this account be investigated and corrected please send me a report with updated information
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act 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 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