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

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/XXXXCompany : XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XX/XX/XXXX Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company :  XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/ Company : XX/XX/XXXXXXXX XX/XX/XXXXDate : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/XXXXCompany : XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date:XX/XX/XXXX Company : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/ Company : XXXX XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XX/XX/XXXX Date:XX/XX/XXXXCompany : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ Company : XXXX XXXX XXXX XXXX Date : XX/XX/ Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/ There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX  Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX  XXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : Untitled { Medical ) Account # XXXX Amount : {$1000.00}
Product: Credit reporting or other personal consumer reports

A hard inquiry was placed on my Transunion credit report unknown to myself, without my approval, on XX/XX/year> from XXXX XXXX. At this time, the inquiry is causing harm to my credit report. I do not have an open account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, TransUnion and XXXX in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If XXXX, TransUnion, and XXXX fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint again to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$150.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance {$430.00} ; XXXX  XXXX XXXX XXXX XXXXXXXX Balance {$580.00} ; XXXX XXXX XXXX Balance {$900.00} ; XXXX & XXXX XXXX XXXX Balance {$180.00} XXXX XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX.
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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

TransUnion Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activities. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX CO XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activities, not later than XXXX business days after the date of receipt.
Product: Credit card

When I applied for this card and paid the fee, one of the benefits was to be able to redeem points to get XXXX free night when you book XXXX or more consecutive award nights. However, they have now taken away that benefit, which was why I paid the fee. I believe this to be false advertising.
Product: Mortgage

BANK OF AMERICA has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment.     BANK OF AMERICA HAS FAILED TO DO THE FOLLOWING  1 . ) BANK OF AMERICA has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action.     2. ) BANK OF AMERICA has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose.     3. ) BANK OF AMERICA has failed to set forth the information establishing the partys right to foreclose as set forth in  I.C.2  in a communication to be sent to the borrower as indicated in  I.A.18.      4. ) BANK OF AMERICA has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that  Servicer  and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case  may  be. In the event that  Servicer  prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control,  Servicer  shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that  Servicer  has made a good faith effort in accordance with its procedures for locating the lost note or assignment.      5.  ) BANK OF AMERICA has intentionally provided us through Bank of America,  XXXX   XXXX   XXXX   XXXX , Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, Bank of America trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because Bank of America provided them through the CFPB but they are not.     6. ) BANK OF AMERICA has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
Product: Debt collection

This company sent my loan to collections, I received a call from someone claiming to be from the county court house. This person stated a warrant has been placed against me for a civil suit with no trial date been set and that I had to pay to avoid court. I told them I needed to do my own research on the matter prior to paying and they insisted I call whoever you want they will make you call us again. As it turns out there is no civil suit and it was just a high pressure scare tactic to get the debt paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On  XXXX   XXXX ,   XXXX   I sent a certified letter to Equifax regarding unverified negative items being reported on my credit report. I specified that I was requesting Equifax to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Equifax 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Equifax regarding these negative items and have yet to get this resolved. Equifax has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised me that the infor mation is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke wi th a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Equifax uses a " form '' that they send to the courthouse. I asked what type of " form '' and  where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Equifax refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.
Product: Credit card

XX/XX/XXXX Charged by Capital One ( Credit Card Company ) for purchase at WalmarXXXX  **Incorrect item was received by WalmartXXXX** XX/XX/XXXX Received Purchase Adjustment from Capital One while dispute investigation is in process XX/XX/XXXX Received Letter from Capital One stating that WalmartXXXX  had provided evidence that product had been delivered ( never in dispute ). Requested I send information by XX/XX/XXXX to continue dispute. At this point in time, I decided to work with the merchant ( WalmartXXXX ) instead of continuing with the dispute as it seemed simpler. I initiated a return for INCORRECT ITEM on XX/XX/2023. I was provided a XXXX code for XXXX. I called WalmartXXXX to confirm that the account was noted as having the wrong item so there would be no issues with the return process. Per XXXX tracking, item was received by WalmartXXXX returns on XX/XX/2023. On XX/XX/XXXX, XXXX chat confirmed item had been received and refund was being processed. 

XX/XX/XXXX -- WalmarXXXX  states that return is FRAUDULENT as the item returned did not match the item in the order .... 

XXXX XXXX I contacted Capital One and explained the situtation. I was told to upload various documents such as proof of incorrect item, proof of return, proof of attempts to resolve, and a personal statement regarding everything that happened. 

XXXX XXXX Documents provided to Capital One as requested. 

XXXX XXXX Capital One states they received the requested documents but the documents did not have the requested information to validate dispute. 

XXXX XXXX I called Capital One and was told by the agent to re-submit the documents with more clarity. Secure link was provided. 

XXXX XXXX Requested documents were uploaded. 

XXXX XXXX Capital One states that the time frame for dispute has expired. 

I called Capital One and was told that I needed to have submitted all documentation prior to XXXX for the dispute to be considered. This information was NEVER disclosed to me. I believed that when I spoke to the agent on XX/XX/XXXX, that I was continuing or re-opening the dispute as I had not received the promised refund. I was never told that the information was invalid. When I called on XX/XX/XXXX, I was never told that the information was invalid because of the date. Capital One will not let me open a new dispute either and the merchant refuses to resolve the situation with me.
Product: Money transfer, virtual currency, or money service

I opened paypal so that i be using it pay my bills,. I used it only XXXX times but later limited me from using it.. I Don't know why that happened
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Debt collection

Upon reaching out to XXXX XXXX XXXX XXXX after noticing a charged off account on my credit report, who is the original creditor, they informed me that the debt of account ending in XXXX was placed with National Enterprise Systems without notifying me. I have not received proper notification from such company and I'm unaware of this debt. If in fact they do believe that I am responsible for such debt, provide the certified receipt with my signature on it stating that I have received such notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I tried to get my free annual credit report from TransUnion utilizing the XXXX XXXX website. Before I had a chance to print or save a pdf version, my session timed out and I could not get the report again. I had since tried contacting TransUnion about this problem but they kept insisting I have to purchase a 3 credit bureau report and score for {$29.00} in order for me to continue. 
Please assist as I felt cheated and unfairly treated. I spoke to a customer service representative called XXXX on XXXX XXXX at XXXX XXXX central time. She was very evasive and refused to provide her last name.
Product: Credit reporting or other personal consumer reports

XXXX downgraded my credit score from XXXX ( excellent ) to XXXX ( fair ) for no reason. When I looked up " What changed? '' on the report, there were 3 changes to my credit card utilization. However, the sum total of these changes was that I had reduced my net credit card debt by {$1000.00} during that period. There were no negative comments on the report at all. In fact, all the criteria for maintaining good credit ( such as credit card utilization, meeting payment requirements, etc. ) were in my favor. 
I am deeply concerned that there has been a transaction that does not appear on the report where I have been defrauded, but I can not get the company to respond.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a collection with XXXX XXXX XXXX in the amount of {$29000.00}. I have requested a copy of the original contract, with my signature on it pursuant to my rights afforded me by section 609 of the Fair Credit Reporting Act. I have not received this signed contract after multiple requests, however the collection remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX along with XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy, 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a a payment on a credit account under an open end consumer credit plan as late for any purpose. The provided data to the XXXX on or about XXXX XXXX XXXX. Listed below is their contact infor : LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX XXXX I gave no legal authority to collect or disseminate my personal information at any time. This has resulted in a denial of XXXX Please seek maximum damages on my behalf!!
Product: Credit reporting

I 'm using the Annual Credit Report site with no way to contact any of the XXXX credit companies except by mail. NO PHONE NUMBERS OR CHAT OPTIONS!! When I completed my application, I got a msg that I had already received an credit report from XXXX. When I requested a report from Equifax the little 'computer is thinking ' circle went on forever. I tried two different days to no avail. I searched for recent reviews online and saw XXXX other similar complaints within the month of XXXX 2015. This is unacceptable service. Please look into this. Thank you.
Product: Money transfer, virtual currency, or money service

I sent money using XXXX on Wells Fargo. I accidently sent it to my partner old number instead of her new number. Per XXXX websit it state of the recipient doesnt accept payment I can get my money back. The amount was XXXX I contacted my bank and explained the situation and they only gave me {$50.00} back. Even though the number I sent it to was disconnected at the time